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BankUnited (BKU) AI Stock Analysis
BankUnited
(NYSE:BKU)
The score is driven mainly by stable-to-moderate financial quality: materially improved leverage and steady cash flow support are positives, but the TTM revenue decline and weaker operating margins weigh on core earnings power. Valuation is supportive (P/E ~11.7 and ~3.07% yield), while technicals are a notable drag given the downtrend and negative MACD. The latest earnings call adds a constructive tilt due to improving NIM/returns, strong guidance, and ongoing capital returns, tempered by deposit competition and mortgage/title-business weakness.
BankUnited (BKU) vs. SPDR S&P 500 ETF (SPY)
- Market Cap
- $3.06B
- Dividend Yield
- 3.02%
- Average Volume (3M)
- 852.46K
- Price to Earnings (P/E)
- 11.7
- Beta (1Y)
- 0.97
- Revenue Growth
- -4.90%
- EPS Growth
- 4.43%
- Country
- US
- Employees
- 1,785
- Sector
- Financial
- Sector Strength
- 68
- Industry
- Banks - Regional
BankUnited Business Overview & Revenue Model
Company Description
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...
How the Company Makes Money
BankUnited primarily earns money through (1) net interest income and (2) noninterest (fee-based) income. Net interest income is the spread between interest income generated from interest-earning assets—such as commercial loans, consumer loans, and se...
BankUnited Earnings Call Summary
The call was predominantly positive. BankUnited reported higher adjusted earnings, improved NIM and returns, lower deposit costs, year-over-year growth in NIDDA and core loans, improving credit metrics, substantial capital returns, and strong fourth-quarter guidance. The main challenges were mortgage-related weakness in the title business, high loan payoffs, increased deposit competition, lower non-interest income, higher expenses, and continued caution around selected credit exposures and macroeconomic risks.
Q3-2026 Updates
Positive Updates
Negative Updates
Company Guidance
Fourth quarter 2026 guidance assumes one more rate increase in December, 25 basis points: core loans at a range of $17.6 billion-$17.7 billion ending balance, NIDDA at $8.65 billion, NIM at around 3.2%, net interest income of $265 million on a non-FTE basis, non-interest income returning more back to the normalized levels with some improved capital markets revenue and a non-repeat from some of the notable items, expenses around $178 million, PPNR of $115 million, and credit provision of $15 million; the company will come back in January to talk about 2027.
BankUnited Financial Statement Overview
Summary
Balance sheet strength is the key positive, with leverage improved to ~0.63x debt-to-equity and equity broadly stable (~$3.0B). Profitability is still solid (TTM net margin ~14.7%), but revenue is down ~12.1% TTM and operating margins have stepped down (TTM EBIT margin ~9.8% vs. ~15–17% in 2024–2025). Cash flow supports earnings quality (FCF consistently covering net income), though operating cash flow is well below 2021–2023 and has been choppy.
Income Statement
58NeutralBalance Sheet
67PositiveCash Flow
63Positive| Breakdown | TTM | Dec 2025 | Dec 2024 | Dec 2023 | Dec 2022 | Dec 2021 |
|---|---|---|---|---|---|---|
Income Statement | ||||||
| Total Revenue | 1.59B | 2.14B | 2.02B | 1.94B | 1.31B | 1.09B |
| Gross Profit | 834.74M | 1.06B | 958.35M | 873.03M | 915.44M | 996.96M |
| EBITDA | 217.74M | 408.34M | 376.46M | 311.14M | 452.75M | 527.88M |
| Net Income | 273.97M | 268.37M | 232.47M | 178.67M | 284.97M | 414.98M |
Balance Sheet | ||||||
| Total Assets | 34.58B | 35.04B | 35.24B | 35.76B | 37.03B | 35.82B |
| Cash, Cash Equivalents and Short-Term Investments | 9.33B | 217.78M | 491.12M | 588.28M | 572.65M | 314.86M |
| Total Debt | 2.47B | 1.97B | 3.64B | 5.82B | 6.33B | 2.83B |
| Total Liabilities | 31.75B | 31.99B | 32.43B | 33.18B | 34.59B | 32.78B |
| Stockholders Equity | 2.82B | 3.05B | 2.81B | 2.58B | 2.44B | 3.04B |
Cash Flow | ||||||
| Free Cash Flow | 271.85M | 358.61M | 433.78M | 657.50M | 1.29B | 1.19B |
| Operating Cash Flow | 271.85M | 358.61M | 433.78M | 657.50M | 1.29B | 1.22B |
| Investing Cash Flow | -282.13M | -214.43M | 409.71M | 980.57M | -2.12B | -1.64B |
| Financing Cash Flow | -181.34M | -417.52M | -940.66M | -1.62B | 1.08B | 334.87M |
BankUnited Technical Analysis
Price Trends
Market Momentum
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For BKU, the sentiment is Neutral. The current price of 43.00 is above the 20-day moving average (MA) of 42.49, below the 50-day MA of 43.64, and below the 200-day MA of 45.69, indicating a neutral trend. The MACD of -0.07 indicates Negative momentum. The RSI at 50.20 is Neutral, neither overbought nor oversold. The STOCH value of 62.59 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Neutral sentiment for BKU.
BankUnited Risk Analysis
BankUnited disclosed 42 risk factors in its most recent earnings report. BankUnited reported the most risks in the "Finance & Corporate" category.
Latest Risks Added
0 New RisksBankUnited Peers Comparison
Overall Rating
TCBI78Outperform
SBCF73Outperform
FSUN68Neutral
BANC66Neutral
AMTB65Neutral- BKU62Neutral
Financial Indicators
| Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
| TCBI | 78Outperform | $4.42B | 11.47 | 10.11% | 0.39% | 3.07% | 27.52% |
| SBCF | 73Outperform | $3.20B | 18.35 | 6.12% | 2.30% | 28.80% | 3.87% |
| FSUN | 68Neutral | $1.78B | 19.59 | 4.14% | ― | 44.68% | -37.79% |
| Sector * | 68Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% |
| BANC | 66Neutral | $2.89B | -55.24 | -0.23% | 2.52% | -14.21% | -130.73% |
| AMTB | 65Neutral | $1.17B | 17.55 | 8.03% | 1.20% | -8.09% | 6.96% |
| BKU | 62Neutral | $3.06B | 11.72 | 9.21% | 3.02% | -4.90% | 4.43% |
* Financial Sector Average
Performance Comparison
| Show on chart | Ticker | Company Name | Price | Change | % Change |
|---|---|---|---|---|---|
| BKU | Bankunited | 43.00 | 3.47 | 8.78% | |
| BANC | Banc of California Inc. | 18.23 | 1.71 | 10.38% | |
| SBCF | Seacoast Banking Corporation Of Florida | 33.03 | 3.30 | 11.11% | |
| TCBI | Texas Capital Bancshares | 101.77 | 16.81 | 19.78% | |
| AMTB | Amerant Bancorp Inc. Class A | 29.94 | 13.10 | 77.74% | |
| FSUN | FirstSun Capital Bancorp | 39.17 | 5.72 | 17.10% |
Disclaimer
This AI Analyst Stock Report is automatically generated by our AI systems using advanced algorithms and publicly available financial, technical, and market data. While the information provided aims to be accurate and insightful, it is intended for informational purposes only and should not be considered financial advice. Any content created by an AI (Artificial Intelligence) system may contain inaccuracies and/or contain errors. Investing in stocks carries inherent risks, and past performance is not indicative of future results. This report does not account for your personal financial circumstances, objectives, or risk tolerance. Always conduct your own research or consult with a qualified financial advisor before making investment decisions. The analysis and recommendations provided are based on historical and current data and may not fully reflect future market conditions or unexpected developments. Neither the creators of this report nor its affiliated entities guarantee the accuracy, completeness, or reliability of the information presented. Use this report at your own discretion and risk.
Date of analysis: Oct 21, 2026