BankUnited, Inc. (BKU) is a publicly traded company in the Financial Services — Banks - Regional industry listed on NYSE. This overview shows the latest price, key valuation ratios, profitability metrics and financial-health indicators used by fundamental investors.
BankUnited, Inc. serves as the holding company for BankUnited, its national banking subsidiary, which delivers a comprehensive array of financial services throughout the United States. The company's product suite includes various deposit options such as checking, money market, and savings accounts, as well as certificates of deposit. It also extends services like treasury management, commercial payments, and cash management solutions.
Analysis Summary
BankUnited, Inc. reported revenue of $2.14B in the most recent fiscal year, growing at a 5-year CAGR of 12.3%. Net income reached $268.4M, with a 6.3% 5-year CAGR.
Trailing-twelve-month margins: gross margin 44.9%, operating margin 9.8%, net margin 14.7%. Free cash flow grew at -15.7% CAGR over 5 years.
At the current price of $45.04, BKU trades at a P/E of 12.32 and an ROE of 9.04%. Market capitalisation stands at $3.3B.
Balance sheet quality for BKU: current ratio of 15.4, net debt of $1.76B. A debt-to-equity below 1.0 typically signals conservative capital structure, while a current ratio above 1.5 indicates comfortable short-term liquidity.
Cash flow quality is strong: free cash flow of $358.6M represents 134% conversion of reported net income. High conversion (above 90%) suggests earnings translate cleanly into cash; lower conversion may indicate working capital tightness or accounting timing differences.
Price
| Price | $45.04 |
| Market Cap | $3.3B |
| Exchange | NYSE |
| Country | US |
Valuation Ratios
| P/E Ratio | 12.32 |
| Price / Book | 1.13 |
| EV / EBITDA | 26.48 |
| Dividend Yield | 2.88% |
Profitability
| Return on Equity | 9.04% |
| Return on Invested Capital | 2.35% |
| Return on Assets | 0.78% |
| Gross Margin | 44.85% |
| Operating Margin | 9.83% |
| Net Margin | 14.67% |
Financial Health
| Debt / Equity | 0.74 |
| Current Ratio | 0.33 |
What to look at in Banking companies
- Efficiency Ratio (<=55%) — Operating expenses / revenue. Top banks below 55%.
- ROA (>=1%) — How much they earn per dollar of assets. ROE misleads in banks due to leverage.
- ROTCE (>=12%) — Return on Tangible Common Equity. Strips goodwill and intangibles.
- Equity / Assets (Tier 1 proxy) (>=8%) — Capital ratio proxy. FMP does not expose regulatory Tier 1 directly.
- P/B (1.0-1.5x) — Classic banking metric. <1x can be opportunity or distress.
- Sustainable dividend yield (>=2%, <8%) — EU banks pay 5-7% normally. >8% is distress signal.
Peer Comparison
| Symbol | Company | Market Cap | P/E | P/B | ROE |
|---|---|---|---|---|---|
| BKU | BankUnited, Inc. | $3.2B | 12.32 | 1.13 | 9.0% |
| FULT | Fulton Financial Corporation | $4.5B | 11.36 | 1.17 | 11.2% |
| CATY | Cathay General Bancorp | $4.2B | 12.13 | 1.37 | 11.7% |
| WSBC | WesBanco, Inc. | $3.8B | 11.30 | 0.93 | 8.7% |
| FHB | First Hawaiian, Inc. | $3.1B | 11.04 | 1.11 | 10.3% |
| TBBK | The Bancorp, Inc. | $2.1B | 9.34 | 2.96 | 33.1% |
| RNST | Renasant Corporation | $3.7B | 12.06 | 0.97 | 8.1% |
| FBP | First BanCorp. | $4.2B | 11.76 | 2.18 | 19.0% |
Price Performance
| 1 month | -6.91% |
| 3 months | -6.44% |
| Year-to-date | -0.20% |
| 1 year | +16.59% |
| 3 years | +86.81% |
52-Week Range
| 52-week High | $52.11 |
| 52-week Low | $35.10 |
| Avg Volume (90d) | 854K |
Dividend History
| Date | Amount | Yield |
|---|---|---|
| 2026-07-10 | $0.3300 | 2.93% |
| 2026-04-10 | $0.3300 | 2.93% |
| 2026-01-09 | $0.3100 | 2.75% |
| 2025-10-10 | $0.3100 | 2.75% |
| 2025-07-11 | $0.3100 | 2.75% |
| 2025-04-11 | $0.3100 | 2.75% |
| 2025-01-10 | $0.2900 | 2.58% |
| 2024-10-11 | $0.2900 | 2.58% |
| 2024-07-12 | $0.2900 | 2.58% |
| 2024-04-11 | $0.2900 | 2.58% |
Related companies: CATY · CBU · FBP · FHB · FULT · RNST · TBBK
Explore sector: Financial Services · Banks - Regional
More sections of BKU: Financials · Valuation · Statistics · Estimates · Technical · Ownership · News · Events
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