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BankUnited, Inc.

BKU Financial Banks Regional

BankUnited, Inc.’s revenue for fiscal 2025 (year ended December 2025) was $1.9 billion, down 6.22% from fiscal 2024.

Revenue
−5.99%
EPS
+6.25%
Free cash flow
+9.39%
Total debt
−7.45%

Quarter to September 2026, against a year earlier

44.23 0.31 −0.70%
Market cap
$3.2B
P/E
11.9×
Fwd P/E
11.2×
Dividend yield
2.92%
F-score
6/9
Altman Z
n/a
Beneish M
n/a
Dividend safety
n/a
Overview
Financials
Income Statement Balance Sheet Cash Flow Metrics & Ratios

Insider Decisions last twelve months

Sold, $m 0.98
Trades a month
Jan 26 Apr 26 Jul 26 Oct 26
Buy — — — — — — — — — — — —
Sell — — 2 1 — — 2 — 1 — — —
Insider Ownership 0.00%

Capital & Financial Ratios $m

Size
Market Cap 3,170.00
Revenue ttm 1,824.84
Net income ttm 273.65
Free cash flow ttm 371.58
Net debt Q 1,499.82
Valuation
P/E 11.94
Forward P/E 11.20
Price / sales 1.71
Forward P/S Powerpack
Price / FCF 5.62
Price / book 1.10
Financial health
Current ratio Q 0.83
Debt / equity Q 0.68
Interest coverage Q —
Growth
Revenue growth Q −5.99% (below 0%: shrinking)
Operating income growth Q −1.02% (below 0%: shrinking)
EPS, this year +8.25%
EPS, next year A +12.65%
Revenue, next year A −40.06% (below 0%: weak)
EPS, past 5 yrs +11.37%
EPS, next 5 yrs A +9.90%

Green and red mark values outside typical ranges; (Q) is the latest quarter, (A) analysts’ estimates. How we judge →

Valuation vs history

P/E against its own 10 years 56.11%
10-year low 10-year high
P/S against its own 10 years 31.83%
10-year low 10-year high
P/B against its own 10 years 43.27%
10-year low 10-year high

Dividends raised 7 years running

Yield
2.92%
Annual rate
1.30
Payout ratio
35.0%
Growth, 2018–26
+5.61%/yr
  1. 0.84 ’18
  2. 0.84 ’19 +0
  3. 0.90 ’20 +7
  4. 0.92 ’21 +2
  5. 0.98 ’22 +7
  6. 1.06 ’23 +8
  7. 1.14 ’24 +8
  8. 1.22 ’25 +7
  9. 1.30 ’26 +7
paid change on the year, % Powerpack

Assets vs Liabilities $m

2023 2024 2025 Q'26
Cash 588 491 218 425
Receivables — — — —
Inventory — — — —
Other — — — —
25,019 24,566 24,272 24,019
2023 2024 2025 Q'26
Payables 26,538 27,866 29,353 28,311
ST’ Debt — — — —
Other — — — —
27,247 28,574 29,673 28,859

Compound Annual Growth %

10y 5y 3y
Sales 6.80% 9.59% 13.22%
Cash Flow 5.03% (16.13%) (34.80%)
Earnings 0.83% 6.81% (2.10%)
Book Value 3.13% 0.47% 7.83%

Earnings Trends EPS, adjusted, against the consensus

Q3 FY26 Estimate 1.05 Actual 1.03

Earnings per share against the consensus, by quarter
Quarter Estimate Reported Result
Q4 FY25 0.85 0.94 Beat by 0.09
Q1 FY26 0.97 0.83 Miss by 0.14
Q2 FY26 1.02 0.97 Miss by 0.05
Q3 FY26 1.05 1.03 Miss by 0.02
Q4 FY26 1.08 — Reports 20 January 2027

EPS $

Mar Jun Sep Dec Year
’26 0.83 0.97 1.01 — —
’25 0.78 0.91 0.95 0.90 3.53
’24 0.64 0.72 0.81 0.91 3.08
’23 0.70 0.78 0.63 0.27 2.38
’22 0.79 0.82 1.12 0.82 3.54
’21 1.06 1.11 0.94 1.41 4.52
’20 (0.33) 0.80 0.70 0.89 2.06
Fiscal quarters ending in the months shown.

Revenue $m

Mar Jun Sep Dec Year
’26 447 456 450 — —
’25 466 482 478 472 1,898
’24 508 507 515 493 2,024
’23 457 489 498 500 1,944
’22 250 280 349 428 1,308
’21 276 275 260 283 1,094
’20 317 306 291 286 1,201
Fiscal quarters ending in the months shown.

Operating Cash Flow $m

Mar Jun Sep Dec Year
’26 18 129 — — —
’25 16 118 100 125 359
’24 66 136 46 186 434
’23 141 282 170 64 657
’22 457 598 262 (23) 1,294
’21 386 191 375 267 1,220
’20 64 257 314 229 864
Fiscal quarters ending in the months shown.

Free Cash Flow $m

Mar Jun Sep Dec Year
’26 18 129 — — —
’25 18 118 103 125 359
’24 113 136 178 186 434
’23 143 282 220 114 758
’22 457 598 285 6 1,346
’21 348 191 370 280 1,189
’20 64 238 314 229 845
Fiscal quarters ending in the months shown.

Target Price Range

Analyst price targets

Recommendation Rating

2.7
1Buy 2 3Hold 4 5Sell

Ten years at a glance Fiscal years to December

Ten-year view Analyst estimates Powerpack
Group Line 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 TTM Sep ’26 Trend 10 yrs 2026e 2027e 2028e Next 3/yr
Income, $m
Income, $m Revenue 1,166 1,362 1,581 1,429 1,201 1,094 1,308 1,944 2,024 1,898 1,825 +5.6% 1,138 1,194 1,239 (13.3%)
Gross margin, % 83.80 81.34 74.76 62.98 73.70 85.03 75.73 49.41 50.06 57.59 61.75 (26.2) pt
EBT 335 404 416 404 249 449 375 237 316 362 363 +0.8%
EBT margin, % 28.78 29.69 26.29 28.27 20.77 41.09 28.68 12.19 15.63 19.05 19.88 (9.7) pt
Net income 226 614 325 313 198 415 285 179 232 268 274 +1.9%
Per share, $
Per share, $ Revenue 11.32 12.92 15.24 14.97 13.09 12.10 16.60 26.52 27.51 25.68 26.08 +9.5%
Earnings 2.11 5.60 3.01 3.14 2.06 4.52 3.55 2.39 3.10 3.55 3.73 +6.0%
Cash flow 3.00 3.02 7.95 6.66 9.42 13.50 16.42 8.97 5.89 4.85 0.00 +5.5%
Capex (0.85) (0.90) (1.00) (0.67) (0.21) (0.35) 0.66 1.37 0.00 0.00 0.00 n/m
Free cash flow 2.14 2.12 6.94 5.99 9.21 13.15 17.08 10.34 5.89 4.85 0.00 +9.5%
Book value 23.49 28.69 28.18 31.23 32.53 33.60 30.91 35.16 38.24 41.31 40.34 +6.5%
Shares, m 103 105 104 95 92 90 79 73 74 74 72 (3.6%)
Valuation, ×
Valuation, × P/E 17.94 7.23 9.98 11.61 16.88 9.32 9.33 13.59 12.31 12.52 11.94 12.1
P/S 3.33 3.13 1.96 2.44 2.66 3.50 2.01 1.23 1.39 1.74 1.71 2.3
P/B 1.60 1.41 1.06 1.17 1.07 1.26 1.08 0.92 1.00 1.08 1.10 1.2
EV/Sales 7.44 6.49 4.76 5.43 4.93 4.95 5.71 3.55 2.59 2.44 — 4.8
EV/FCF 39.31 39.45 10.44 13.56 7.22 4.56 5.52 8.76 7.36 8.55 — 14.5
Cash, $m
Cash, $m Operating cash flow 309 319 824 636 864 1,220 1,294 657 434 359 372 +1.7%
Capex (88) (95) (104) (64) (20) (31) 52 100 — — 183 n/m
Free cash flow 221 224 720 572 845 1,189 1,346 758 434 359 372 +5.6%
Balance, $m
Balance, $m Working capital (162) (781) (1,766) (1,625) (4,367) (6,405) (3,110) (2,228) (4,008) (5,401) (4,840) +47.7%
Net debt 4,791 4,576 4,414 4,266 2,725 1,590 4,847 4,527 2,439 1,337 1,500 (13.2%)
Shareholders’ equity 2,418 3,026 2,924 2,981 2,983 3,038 2,436 2,578 2,814 3,054 2,822 +2.6%
Returns, %
Returns, % ROA 0.84 2.03 1.00 0.92 0.56 1.15 0.77 0.48 0.64 0.75 0.77 (0.1) pt
ROIC 2.91 3.33 3.54 3.48 2.73 6.07 3.22 2.09 3.76 5.15 5.25 +2.2 pt
ROE 9.31 21.71 10.48 10.15 6.34 13.59 10.23 6.98 8.47 8.95 9.19 (0.4) pt
People
People Employees 1,706 1,763 1,790 1,511 1,495 1,495 1,636 1,616 1,680 1,803 — +0.6%
Revenue/emp, $m 0.68 0.77 0.88 0.95 0.80 0.73 0.80 1.20 1.20 1.05 — +4.9%
Negative figures in brackets.
estimates

All 10 years →

Fiscal years to Dec 2025 · latest quarter Sep 2026 · fundamentals updated 2 Nov 2026

BankUnited, Inc. vs peers in Banks Regional (Q) = latest quarter vs a year earlier

Company Market cap P/E Fwd P/E Revenue growth (Q) EPS growth (Q) FCF growth (Q) Gross margin (Q) EBIT margin (Q) Compare
MCHB Mechanics Bancorp $3.4B 11.9× 16.4× +32.34% (above 0%: growing) +18.88% (above 0%: growing) −31.39% (below 0%: shrinking) 76.78% 0.00% Compare
CBU Community Financial System, Inc. $3.4B 14.7× 13.6× +6.18% (above 0%: growing) +11.54% (above 0%: growing) +15.96% (above 0%: growing) 83.56% 0.00% Compare
SFNC Simmons First National Corporation $3.4B 12.9× 12.8× +180.46% (above 0%: growing) n/m +89.30% (above 0%: growing) 70.51% 0.00% Compare
PRK Park National Corporation $3.3B 15.7× 14.6× +24.17% (above 0%: growing) +7.57% (above 0%: growing) +4.77% (above 0%: growing) 84.27% 0.00% Compare
SBCF Seacoast Banking Corporation of Florida $3.3B 18.8× 16.4× +29.89% (above 0%: growing) +48.07% (above 0%: growing) −19.23% (below 0%: shrinking) 73.05% 0.00% Compare
BKU BankUnited, Inc. $3.2B 11.9× 11.2× −5.99% (below 0%: shrinking) +6.25% (above 0%: growing) +9.39% (above 0%: growing) 62.35% 0.00%
FHB First Hawaiian, Inc. $3.1B 11.2× 12.4× −2.99% (below 0%: shrinking) −11.86% (below 0%: shrinking) +105.64% (above 0%: growing) 79.21% 0.00% Compare
PFS Provident Financial Services, Inc $3.0B 9.7× 9.5× +4.27% (above 0%: growing) −3.56% (below 0%: shrinking) −40.48% (below 0%: shrinking) 64.68% 0.00% Compare
CLBK Columbia Financial $3.0B 32.8× 20.1× +5.07% (above 0%: growing) +15.99% (above 0%: growing) +34.28% (above 0%: growing) 55.42% 0.00% Compare
Median of peers $3.3B 13.8× 14.1× +15.18% +11.54% +10.36% 74.92% 0.00%

All 327 Banks Regional stocks →

Pay and ownership Proxy statement filed 10 April 2026

Chief executive’s pay

Year Total pay Actually paid $100 invested
2025 7.44m 13.29m 150.72
2024 6.62m 7.28m 124.67
2023 5.96m 7.25m 102.05
2022 5.67m 1.81m 102.38
2021 5.91m 7.10m 124.39

Ownership

Directors and executive officers, together 1.00%
BlackRock, Inc. 14.50%
The Vanguard Group 12.40%
Dimensional Fund Advisors LP 6.30%
State Street Corporation 6.20%
Millennium Management LLC 6.00%
Total pay is as the Summary Compensation Table states it; actually paid revalues the year’s share awards at its end, as the SEC’s pay-versus-performance rule asks. $100 invested is what $100 in the company’s shares at the start of the earliest year shown was worth at each year’s end. Ownership is the proxy’s own table: the directors and officers as a group, and every holder of 5% or more. Read the proxy statement

BankUnited, Inc. (BKU) Latest News

28 Oct

Impact 3 · · The Motley Fool earnings

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21 Oct

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Impact 3 · · Business Wire

30 Sep

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29 Sep

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26 Jul

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23 Jul

Impact 3 · · Moby transcript

22 Jul

Impact 3 · transcript
Impact 3 · · MarketBeat transcript
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29 Jun

Impact 3 ·

24 Apr

Impact 4 · · Zacks
Impact 3 · · Simply Wall St.

23 Apr

Impact 4 · · GuruFocus.com
Impact 3 · · MarketBeat
Impact 3 · · Zacks
Impact 3 · · StockStory

22 Apr

Impact 3 · · Moby
Impact 3 · · Zacks
Impact 3 · · Zacks

BKU metrics, ten years each

stockrow.com/BKU · Data as of Nov 2, 2026 · For information only; not investment advice. · © 2026 stockrow.com