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BKU

BankUnited, Inc.

BKU

BankUnited, Inc. • NYSE
$43.21 ▼ -0.18% (-0.08)
Market Cap $3.25 B
52w High $43.82
52w Low $28.21
Dividend Yield 1.22%
P/E 12.21
Volume 335.04K
Outstanding Shares 75.14M

Income Statement

Period Revenue Operating Expense Net Income Net Profit Margin Earnings Per Share EBITDA
Q3-2025 $722.474M ▲ $179.946M ▲ $67.428M ▼ 9.333% ▼ $0.96 ▲ $97.932M ▼
Q2-2025 $481.589M ▲ $164.327M ▲ $68.766M ▲ 14.279% ▲ $0.91 ▲ $107.147M ▲
Q1-2025 $465.959M ▼ $160.226M ▼ $58.476M ▼ 12.55% ▼ $0.78 ▼ $94.144M ▼
Q4-2024 $493.193M ▼ $160.472M ▼ $69.302M ▲ 14.052% ▲ $0.92 ▲ $106.783M ▲
Q3-2024 $515.244M $164.582M $61.452M 11.927% $0.82 $100.692M

Balance Statement

Period Cash & Short-term Total Assets Total Liabilities Total Equity
Q3-2025 $1.436B ▼ $35.076B ▼ $32.043B ▼ $3.032B ▲
Q2-2025 $10.202B ▲ $35.46B ▲ $32.507B ▲ $2.953B ▲
Q1-2025 $9.544B ▲ $34.832B ▼ $31.934B ▼ $2.898B ▲
Q4-2024 $491.116M ▼ $35.242B ▼ $32.427B ▼ $2.814B ▲
Q3-2024 $9.971B $35.785B $32.977B $2.808B

Cash Flow Statement

Period Net Income Cash From Operations Cash From Investing Cash From Financing Net Change Free Cash Flow
Q3-2025 $71.851M ▲ $99.736M ▼ $252.966M ▲ $-594.491M ▼ $-241.789M ▼ $99.736M ▼
Q2-2025 $68.766M ▲ $117.584M ▲ $-186.413M ▼ $426.378M ▲ $357.549M ▲ $117.584M ▲
Q1-2025 $58.476M ▼ $16.398M ▼ $271.876M ▲ $-335.645M ▲ $-47.371M ▲ $16.398M ▼
Q4-2024 $69.302M ▲ $185.535M ▲ $129.346M ▲ $-713.633M ▼ $-398.752M ▼ $185.535M ▲
Q3-2024 $61.452M $46.065M $19.342M $391.009M $456.416M $46.065M

Five-Year Company Overview

Income Statement

Income Statement BankUnited’s revenue has been climbing steadily after the pandemic period, showing that its core banking and fee businesses are generally growing. Profitability, however, peaked a few years ago and has been choppier since, reflecting pressure from higher funding costs and a tougher rate environment. Recent results show some recovery in operating and net income compared with the prior year, but earnings are still below the best years of this cycle. Overall, the bank looks more like a stable, slow improver than a high-growth profit story, with margins that remain under some pressure.

Balance Sheet

Balance Sheet The balance sheet looks broadly stable in size, with total assets moving in a relatively narrow range over the past several years. Debt levels spiked mid‑period and have since been brought down, which suggests management has been actively managing funding and leverage, though overall borrowings are still meaningful for a regional bank. Equity has been rebuilt after a dip, indicating that capital strength has improved from the low point but is not dramatically higher than in the past. Cash and liquid resources are reasonable and better than a few years ago, though slightly below the most recent peak, which points to a cautious but not overly conservative liquidity stance.

Cash Flow

Cash Flow BankUnited consistently generates positive cash flow from its operations, a key sign that the underlying business is self‑funding. Operating and free cash flow were particularly strong a couple of years ago and have come down since, in line with the moderation in earnings and a more challenging interest‑rate backdrop. Capital spending is modest, so most of the cash generated is available for balance sheet resilience, shareholder returns, or growth initiatives. The pattern suggests a bank that remains cash‑generative but is no longer enjoying the unusually strong cash flow it had at the earlier peak of the cycle.

Competitive Edge

Competitive Edge BankUnited competes as a regional bank with a clear tilt toward relationship‑driven commercial banking and niche sectors rather than mass‑market retail. Its strengths lie in specialized lending areas such as healthcare, non‑profits, ESOP financing, SBA lending, and trade finance, where deep expertise can justify better pricing and stickier client relationships. The bank pairs this high‑touch model with a more modern digital platform, aiming to offer both personal service and competitive online tools. Key risks to its position include concentration in niche markets, intense competition from larger banks and fintechs, and the usual regional bank sensitivities to credit quality, funding stability, and local economic conditions.

Innovation and R&D

Innovation and R&D While BankUnited does not do “R&D” in the technology‑company sense, it is clearly investing in innovation. Internally, its AI assistant for employees and the broader AI initiative are aimed at making staff more efficient and improving response quality for clients. Externally, the upgraded digital banking platform and hiring of in‑house engineering talent show a commitment to continuous improvement of the customer experience rather than relying on off‑the‑shelf solutions alone. The opportunity is to turn these tools into better service, lower costs, and differentiated offerings; the risk is execution—ensuring that AI and digital investments translate into real, sustained business benefits and remain secure and compliant in a tightly regulated industry.

Summary

BankUnited today looks like a disciplined, niche‑oriented regional bank that is leaning into technology to sharpen its edge. Financially, revenue is on an upward trend, but profits have not fully regained prior highs and still reflect margin and funding cost pressures. The balance sheet and cash flows appear solid and managed with care, though not without the usual regional bank exposures to interest rates and credit conditions. Strategically, the bank’s focus on specialized commercial segments, relationship banking, and targeted AI‑driven digital improvements gives it a clear identity that differentiates it from more generic regional banks. The main things to watch are credit quality, funding costs, the economic environment in its key markets, and how well its AI and digital initiatives convert into durable customer loyalty and stable, growing earnings over time.

NEWS

November 10, 2025 · 6:45 AM UTC

BankUnited Appoints James G. Mackey as Chief Financial Officer

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October 22, 2025 · 6:45 AM UTC

BankUnited, Inc. Reports Third Quarter 2025 Results

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September 25, 2025 · 10:16 AM UTC

PriceMDs announced that it has entered into a senior secured credit facility of up to $20 million

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September 24, 2025 · 4:30 PM UTC

BankUnited, Inc. Announces Quarterly Dividend

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September 23, 2025 · 4:30 PM UTC

BankUnited, Inc. to Announce Third Quarter Results

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