BankUnited (BKU) Stock Fundamentals, Analysis & Risk Signals

Health score, price, valuation, risk signals, and key metrics at a glance.

BankUnited

NYSE•Financial Services•Banks - Regional

$44.77+0.02(<0.01%)Market closed

Market Cap

$3.20B

P/E

11.7x

P/S

1.7x

P/B

1.1x

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, payments and cash management services. Its loans portfolio includes commercial loans, including equipment loans, secured and unsecured lines of credit, formula-based lines of credit, owner-occupied commercial real estate term loans and lines of credit, mortgage warehouse lines, subscription finance facilities, 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 offers loan servicing and deposit transaction processing systems, cloud-based data storage, electronic funds transfer transaction processing, online banking services, ERP systems and computer and networking infrastructure. It operates through a network of banking centers located in Florida counties and the New York metropolitan area, as well as Dallas, Texas. The company was formerly known as BU Financial Corporation. BankUnited, Inc. was incorporated in 2009 and is headquartered in Miami Lakes, Florida.

How this company scores

WeakMetricSide Score: 73/100

Grade capped at D — Interest coverage below 1× (0.6x) — earnings cannot cover interest. Strongest: Cash & Earnings Quality (23/25); weakest: Growth (11/25).

Profitability21/25

Growth11/25

Balance Sheet & Red Flags18/25

Cash & Earnings Quality23/25

Strengths

Strong marginsLow leverageCash-backed earningsConsistent free cash flow

Grade capped at D

Interest coverage below 1× (0.6x) — earnings cannot cover interest.

Valuation vs. 5-year range

Today's multiple positioned against its own trailing range — a visual premium/discount check.

P/E · 11.7x5y range 6.0x – 14.6x

Currently near its 20-quarter median.

P/S · 1.7x5y range 0.9x – 3.5x

Currently near its 20-quarter median.

P/B · 1.1x5y range 0.6x – 1.3x

Currently near its 20-quarter median.

Watch items

Data-driven signals worth keeping an eye on across the last 8 quarters

High Risk

Earnings Quality

Watch

FCF/Net Income has dropped below 0.7x in 3 quarters — monitor for earnings quality deterioration.

Revenue Decline

Red Flag

Revenue declined in 7 of the last 7 quarters — persistent contraction signals a fundamental problem.

Price & Volume

Market Cap $3.20B

Metrics at a Glance

as of June 2026

Revenue & Profit

Revenue, EBITDA, operating income, net income, EPS, and shares

TTM Revenue: $1.85B
Q. Revenue: $455.75M
TTM EBITDA: $433.26M
TTM Op. Income: $363.87M
Q. Op. Income: $94.36M
TTM Net Income: $273.65M
Q. Net Income: $70.66M
EPS: $0.97
Shares Out.: $71.45M

$1.85B in TTM revenue declined 5.2% YoY, reaching $455.75M last quarter. TTM EBITDA of $433.26M and TTM operating income of $363.87M show growth is flowing through to the bottom line. TTM net income of $273.65M means revenue is converting into profit. Across the last 8 quarters, TTM revenue has fallen for 7 consecutive quarters — a weakening trend.

Margins

Gross, EBITDA, operating, and net margin trends

Gross Margin: 62.4%
EBITDA Margin: 23.1%
Op. Margin: 20.7%
Net Margin: 15.5%

Op. margin of 20.7% is up 1.2% YoY — cost efficiency is improving. Net margin at 15.5% and gross margin of 62.4% show how much of each revenue dollar survives to profit. Over the past year, operating margin is up 6% — an improving trend.

Price Ratios

P/E, P/S, P/B, EV/EBITDA, FCF yield, and earnings yield

P/E Ratio: 11.7x
P/S Ratio: 1.7x
P/B Ratio: 1.1x

At 11.7x P/E, the stock trades below typical market levels. P/S of 1.7x and P/B of 1.1x provide additional context. Use the growth and margin sections to judge whether the multiple is justified. Across the last 8 quarters, P/E has fallen for 2 consecutive quarters — an improving trend.

Assets & Liabilities

Total assets, cash, debt, book value, and leverage

Total Assets: $34.88B
Cash: $367.87M
Long-Term Debt: $318.94M
Book Value: $3.00B
D/E Ratio: 0.1
Debt/EBITDA: 3.0

With $34.88B in assets and $318.94M in long-term debt, D/E is 0.1and book value is $3.00B — a conservative capital structure with a cushion to weather downturns. Across the last 8 quarters, debt/equity has risen for 2 consecutive quarters — a weakening trend.

Cash Flow

Operating cash flow, free cash flow, FCF margin, and earnings quality

Op. Cash Flow: $128.62M
TTM Free Cash Flow: $330.38M
FCF Margin: 17.8%
FCF / Net Income: 1.2

TTM FCF of $330.38M on $128.62M in operating cash flow. The FCF / Net Income ratio of 1.2x means free cash flow covers net income — earnings are backed by cash. Across the last 8 quarters, free cash flow has fallen for 3 consecutive quarters — a weakening trend.