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Earnings transcript
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BKU
BankUnited, Inc.
$47.67
0.53
(1.12%)
| Exchange: | NYSE |
| Market Cap: | 3.465B |
| Shares Outstanding: | 92.665M |
Delayed data
About The Company
| Sector: | Financial Services | |||||
| Industry: | Banks – Regional | |||||
| CEO: | Rajinder Singh | |||||
| Full Time Employees: | 1662 | |||||
| Address: |
| |||||
| Website: | https://www.bankunited.com |
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. Its extensive loan portfolio covers diverse commercial financing, including equipment loans, both secured and unsecured lines of credit, formula-based lending, and financing for owner-occupied commercial real estate (term loans and lines). Other commercial offerings include mortgage warehouse facilities, letters of credit, commercial credit cards, and specialized funding through the Small Business Administration (SBA), U.S. Department of Agriculture (USDA), and Export-Import Bank (Ex-Im Bank). The bank also facilitates trade finance and credit facilities for business acquisitions. Beyond commercial lending, its services encompass general commercial real estate loans, residential mortgages, and a range of other consumer loans. For customer convenience, BankUnited also provides online, mobile, and telephone banking services. As of December 31, 2021, its operations were supported by 63 banking centers across 13 Florida counties and an additional four branches in the New York metropolitan area. BankUnited, Inc., which was formerly known as BU Financial Corporation, was incorporated in 2009 and has its headquarters 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) | 1,269,227.651 | Full Access | Full Access | Full Access | Full Access |
| Estimated Revenue (High) | 1,271,348.417 | Full Access | Full Access | Full Access | Full Access |
| Estimated Revenue (Avg) | 1,270,288.034 | Full Access | Full Access | Full Access | Full Access |
| Estimated Ebitda (Low) | 344,801.898 | Full Access | Full Access | Full Access | Full Access |
| Estimated Ebitda (High) | 345,378.031 | Full Access | Full Access | Full Access | Full Access |
| Estimated Ebitda (Avg) | 345,089.965 | Full Access | Full Access | Full Access | Full Access |
| Estimated Net Income (Low) | 363,745.056 | Full Access | Full Access | Full Access | Full Access |
| Estimated Net Income (High) | 379,590.975 | Full Access | Full Access | Full Access | Full Access |
| Estimated Net Income (Avg) | 371,668.016 | Full Access | Full Access | Full Access | Full Access |
| Estimated SGA Expense (Low) | 268,484.843 | Full Access | Full Access | Full Access | Full Access |
| Estimated SGA Expense (High) | 268,933.457 | Full Access | Full Access | Full Access | Full Access |
| Estimated SGA Expense (Avg) | 268,709.150 | Full Access | Full Access | Full Access | Full Access |
| Estimated EPS (Avg) | 4.830 | Full Access | Full Access | Full Access | Full Access |
| Estimated EPS (High) | 4.930 | Full Access | Full Access | Full Access | Full Access |
| Estimated EPS (Low) | 4.730 | 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.
[intrinsic_calculator]
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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Daily snapshot
1.12
Trading Metrics:
| Open: | 47.6 | Previous Close: | 47.14 | |
| Day Low: | 47.19 | Day High: | 48.62 | |
| Year Low: | 33.33 | Year High: | 52.11 | |
| Price Avg 50: | 46.44 | Price Avg 200: | 43.84 | |
| Volume: | 637293 | Average Volume: | 813039 |
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Login — it's freeBKU full analysis
Welcome to MARKETSNAP’s SWOT analysis for BankUnited, Inc., also known by its ticker BKU. If you’re looking to build wealth through smart, long-term investments, you’re in the right place. Today, we’re diving deep into this regional banking player to uncover what makes it tick, where it shines, and where it might stumble. Let’s break it down with a full SWOT analysis, some fresh insights from recent data, and a long-term perspective to help you decide if this stock deserves a…
