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Earnings transcript
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BKU
BankUnited, Inc.
$45.54
0.16
(0.35%)
| Exchange: | NYSE |
| Market Cap: | 3.422B |
| Shares Outstanding: | 92.665M |
About The Company
| Sector: | Financial Services | |||||
| Industry: | Banks – Regional | |||||
| CEO: | Rajinder Singh | |||||
| Full Time Employees: | 1662 | |||||
| Address: |
| |||||
| Website: | https://www.bankunited.com |
BankUnited, Inc. operates as the bank holding company for BankUnited, a national banking association that provides a range of banking services in the United States. The company offers deposit products, such as checking, money market deposit, and savings accounts; certificates of deposit; and treasury, commercial payment, and cash management services. Its loans portfolio includes commercial loans, including equipment loans, secured and unsecured lines of credit, formula-based loans, owner-occupied commercial real estate term loans and lines of credit, mortgage warehouse lines, letters of credit, commercial credit cards, small business administration and U.S. department of agriculture product offerings, export-import bank financing products, trade finance, and business acquisition finance credit facilities; commercial real estate loans; residential mortgages; and other consumer loans. The company also offers online, mobile, and telephone banking services. As of December 31, 2021, it operated through a network of 63 banking centers located in 13 Florida counties; and 4 banking centers in the New York metropolitan area. The company was formerly known as BU Financial Corporation. BankUnited, Inc. was incorporated in 2009 and is headquartered in Miami Lakes, Florida.
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Revenue Segmentation
EPS
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Earnings Call
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Key takeaways
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Login — it's freeIncome Statement
| Year | 2023 | 2024 | 2025 |
|---|---|---|---|
| Revenue | 1,944,419 | 2,024,271 | 2,142,418 |
| Gross Profit | 873,035 | 958,349 | 1,060,187 |
| EBITDA | 311,144 | 376,461 | 393,129 |
| Operating Income | 237,084 | 316,349 | 357,323 |
| Net Income | 178,671 | 232,467 | 268,367 |
(* All numbers are in thousands)
Balance Sheet
| Year | 2023 | 2024 | 2025 |
|---|---|---|---|
| Total Assets | 35,761,607 | 35,241,742 | 35,039,451 |
| Total Liabilities | 33,183,686 | 32,427,424 | 31,985,622 |
| Total Stockholders Equity | 2,577,921 | 2,814,318 | 3,053,829 |
| Total Debt | 5,823,973 | 3,638,553 | 1,874,740 |
| Cash and Cash Equivalents | 588,283 | 491,116 | 217,784 |
(* All numbers are in thousands)
Cash Flow Statement
| Year | 2023 | 2024 | 2025 |
|---|---|---|---|
| Operating Cash Flow | 657,496 | 433,780 | 459,324 |
| Capital Expenditure | 0 | 0 | 0 |
| Free Cash Flow | 657,496 | 433,780 | 459,324 |
| Net Income | 178,671 | 232,467 | 268,353 |
| Net Change in Cash | 15,636 | -97,167 | -51,130 |
(* All numbers are in thousands)
Analyst Estimates
| Fiscal Year | 2028 | Full Access | Full Access | Full Access | Full Access |
|---|---|---|---|---|---|
| Estimated Revenue (Low) | 1,262,409.353 | Full Access | Full Access | Full Access | Full Access |
| Estimated Revenue (High) | 1,281,810.351 | Full Access | Full Access | Full Access | Full Access |
| Estimated Revenue (Avg) | 1,272,109.852 | Full Access | Full Access | Full Access | Full Access |
| Estimated Ebitda (Low) | 342,949.620 | Full Access | Full Access | Full Access | Full Access |
| Estimated Ebitda (High) | 348,220.149 | Full Access | Full Access | Full Access | Full Access |
| Estimated Ebitda (Avg) | 345,584.885 | Full Access | Full Access | Full Access | Full Access |
| Estimated Net Income (Low) | 354,713.552 | Full Access | Full Access | Full Access | Full Access |
| Estimated Net Income (High) | 385,518.862 | Full Access | Full Access | Full Access | Full Access |
| Estimated Net Income (Avg) | 370,116.207 | Full Access | Full Access | Full Access | Full Access |
| Estimated SGA Expense (Low) | 267,042.540 | Full Access | Full Access | Full Access | Full Access |
| Estimated SGA Expense (High) | 271,146.512 | Full Access | Full Access | Full Access | Full Access |
| Estimated SGA Expense (Avg) | 269,094.526 | Full Access | Full Access | Full Access | Full Access |
| Estimated EPS (Avg) | 4.810 | Full Access | Full Access | Full Access | Full Access |
| Estimated EPS (High) | 5.010 | Full Access | Full Access | Full Access | Full Access |
| Estimated EPS (Low) | 4.610 | Full Access | Full Access | Full Access | Full Access |
| Number of Analysts (Estimated Revenue) | 2 | Full Access | Full Access | Full Access | Full Access |
| Number of Analysts (Estimated EPS) | 2 | Full Access | Full Access | Full Access | Full Access |
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Current Key Metrics
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Login — it's freeForward P/E Ratios
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Login — it's freeSWOT Analysis
Strengths (preview)
- Solid Financial Performance: BankUnited reported strong results in the third quarter of 2025, exceeding investor expectations as highlighted in the earnings call transcript. Key financial metrics such as revenue, net income, and EPS reflect robust growth, positioning the company favorably within the industry.
- Positive Free Cash Flow and Operating Efficiency: Analysis of cash flow statements indicates consistent net cash provided by operating activities and positive free cash flow, suggesting effective capital management and operational efficiency.
- Stable Dividend Yield: The dividend yield (TTM) remains competitive, as per key metrics, providing an attractive return to shareholders and signaling financial stability.
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At what price to buy it? -
Intrinsic Value Calculator
Based on current fundamentals and analyst forecasts, MARKETSnap estimates BKU intrinsic value between $56.54 – $85.68 per share. This depends on revenue growth, margins, and discount rate.
This is an automatic estimate. The most reliable way to know fair value for your own assumptions is to run the calculator below.
Common questions about BKU valuation
Is BankUnited, Inc. (BKU) overvalued or undervalued right now?
MARKETSnap estimates intrinsic value for BankUnited, Inc. (BKU) using its proprietary valuation methodology, which incorporates discounted cash flow (DCF) analysis together with long-term earnings and fundamentals assumptions. By comparing intrinsic value to the current market price, long-term investors can see whether the stock screens as potentially overvalued, fairly valued, or undervalued today.
Is BKU a buy, hold, or sell for long-term investors?
MARKETSnap does not give one-word “buy” or “sell” calls. Instead, it shows whether BKU trades at a premium or discount to its estimated intrinsic value, how sensitive that value is to growth and margin assumptions, and how the stock fits into a diversified, long-term portfolio so investors can make their own buy, hold, or sell decision.
What is BKU’s P/E ratio?
You can see BKU’s trailing P/E (TTM) and forward P/E estimates in the Current Key Metrics and Forward P/E Ratios sections above. The P/E ratio compares the current share price to earnings per share and helps investors gauge valuation relative to earnings.
How is intrinsic value calculated for BKU?
MARKETSnap uses its own valuation framework—not a generic spreadsheet DCF alone. Future cash flows and earnings are projected, discounted, and combined with MARKETSnap’s methodology so intrinsic value reflects fundamentals and long-term assumptions. You can run your own inputs and see the result using the Intrinsic Value Calculator above.
Is BKU a good long-term investment?
Whether BKU fits a long-term portfolio depends on your assumptions about growth, margins, and risk. MARKETSnap provides the metrics, intrinsic value calculator, and SWOT context so you can form your own view rather than rely on a single buy/sell rating.
BKU
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0.35
Trading Metrics:
| Open: | 44.87 | Previous Close: | 45.38 | |
| Day Low: | 44.26 | Day High: | — | |
| Year Low: | Year High: | |||
| Price Avg 50: | Price Avg 200: | |||
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