BK
BankUnited Inc
BKU—
BankUnited Inc AI Insights
Informational only. Not investment advice.Snapshot
- Net margin TTM 25.1% vs industry median 25.8% - in line with peers despite interest expense of 849.7M (79% of revenue)[Net Margin]
- P/B ratio 1.19x vs book value $40.53/share - trading near tangible book with ROE 9.2% (below median 10%)[Price to Book Ratio]
- FCF TTM 419.3M equals 39% of net income - strong cash conversion with minimal capex requirements[Free Cash Flow]
Watch Triggers
- Net Margin: Falls below 20% — Would signal NIM compression accelerating beyond manageable levels
- ROE: Rises above 12% — Would indicate earnings power recovering to justify premium to book
- Total Revenue 3Y Growth: Accelerates above 5% — Would suggest market share gains offsetting rate pressure
Bull Case
Trading at 1.19x book with 9.2% ROE and 3.3% dividend yield ($1.20/share TTM) - value play if rates stabilize
Price to Book RatioROEDividends Paid Per Share
Debt/equity 0.79x conservative for banks; goodwill only 2.6% of equity (77.6M) - minimal impairment risk
Debt to EquityGoodwillCommon Stockholders Equity
Bear Case
Revenue growth 2.1% 3Y CAGR trails industry median 5.1% - market share stagnation in competitive regional banking
Total Revenue 3Y GrowthTotal Revenue
ROE 9.2% and ROIC 4.3% both below cost of equity - value destruction unless profitability improves
ROEROIC
Bull vs Bear Balance
AI-generated sentiment analysis based on fundamental metrics and market conditions.
40%
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Forward Thesis
Net interest margin pressure likely to persist as 849.7M interest expense compresses spreads
1-3ymed
- Interest expense 79% of revenue TTM
- Revenue 3Y CAGR only 2.1%
- ROA 0.76% below industry median 0.98%
Interest expense TTM 849.7MTotal revenue TTM 1.07BROA TTM 0.76%
Valuation Context
Caveats
Public Strategies Rankings
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BKU Fundamentals
Finance and Insurance → Credit Intermediation and Related Activities
| Metric | Value | YoY Growth | Industry Percentile |
|---|---|---|---|
$3.52B | — | ||
$5.36B | — | ||
13 | — | ||
$1.07B | +8.8% | — | |
$3.54 | +45.1% | — | |
0% | — | ||
25.1% | +6.4% | — | |
$419.25M | +34.4% | — | |
0.09 | +2.3% | — | |
Beta 5Y (Monthly) | unknown | — |
BKU Dividend History
60 dividends
2026
$0.310001/09/26$0.3100
2025
$1.220010/10/25$0.3100
07/11/25$0.3100
04/11/25$0.3100
01/10/25$0.2900
2024
$1.140010/11/24$0.2900
07/12/24$0.2900
04/11/24$0.2900
01/11/24$0.2700
2023
$1.060010/12/23$0.2700
07/13/23$0.2700
04/11/23$0.2700
01/12/23$0.2500
2022
$0.980010/13/22$0.2500
07/13/22$0.2500
04/13/22$0.2500
01/13/22$0.2300
2021
$0.920010/13/21$0.2300
07/14/21$0.2300
04/14/21$0.2300
01/13/21$0.2300
2020
$0.900010/14/20$0.2300
07/14/20$0.2300
04/13/20$0.2300
01/13/20$0.2100
2019
$0.840010/11/19$0.2100
07/11/19$0.2100
04/11/19$0.2100
01/11/19$0.2100
2018
$0.840010/15/18$0.2100
07/13/18$0.2100
04/11/18$0.2100
01/11/18$0.2100
2017
$0.840010/13/17$0.2100
07/12/17$0.2100
04/11/17$0.2100
01/11/17$0.2100
2016
$0.840010/13/16$0.2100
07/13/16$0.2100
04/13/16$0.2100
01/13/16$0.2100
2015
$0.630009/29/15$0.2100
06/29/15$0.2100
03/30/15$0.2100
2014
$1.050012/29/14$0.2100
09/29/14$0.2100
06/27/14$0.2100
03/28/14$0.2100
01/07/14$0.2100
2013
$0.630009/27/13$0.2100
07/02/13$0.2100
03/27/13$0.2100
2012
$0.720012/11/12$0.2100
09/27/12$0.1700
06/28/12$0.1700
03/29/12$0.1700
2011
$0.560012/29/11$0.1400
09/29/11$0.1400
06/29/11$0.1400
03/30/11$0.1400
BKU Stock Splits
No stock splits
BKU SEC Filings
| Filing Date | Report Date | Report Type | Filing Link |
|---|---|---|---|
11/05/25 | 09/30/25 | 10-Q | |
08/05/25 | 06/30/25 | 10-Q | |
05/08/25 | 03/31/25 | 10-Q | |
02/28/25 | 12/31/24 | 10-K | |
11/04/24 | 09/30/24 | 10-Q | |
08/05/24 | 06/30/24 | 10-Q | |
04/25/24 | 03/31/24 | 10-Q | |
02/20/24 | 12/31/23 | 10-K | |
11/01/23 | 09/30/23 | 10-Q | |
08/02/23 | 06/30/23 | 10-Q | |
05/02/23 | 03/31/23 | 10-Q | |
02/22/23 | 12/31/22 | 10-K | |
11/01/22 | 09/30/22 | 10-Q | |
08/02/22 | 06/30/22 | 10-Q | |
05/04/22 | 03/31/22 | 10-Q | |
02/24/22 | 12/31/21 | 10-K | |
11/02/21 | 09/30/21 | 10-Q | |
08/03/21 | 06/30/21 | 10-Q | |
05/05/21 | 03/31/21 | 10-Q | |
02/26/21 | 12/31/20 | 10-K | |
11/05/20 | 09/30/20 | 10-Q | |
08/10/20 | 06/30/20 | 10-Q | |
05/08/20 | 03/31/20 | 10-Q | |
02/28/20 | 12/31/19 | 10-K | |
11/08/19 | 09/30/19 | 10-Q | |
08/06/19 | 06/30/19 | 10-Q | |
05/07/19 | 03/31/19 | 10-Q | |
02/27/19 | 12/31/18 | 10-K | |
11/06/18 | 09/30/18 | 10-Q | |
08/07/18 | 06/30/18 | 10-Q | |
05/08/18 | 03/31/18 | 10-Q | |
03/01/18 | 12/31/17 | 10-K | |
11/08/17 | 09/30/17 | 10-Q | |
08/08/17 | 06/30/17 | 10-Q | |
05/09/17 | 03/31/17 | 10-Q | |
02/28/17 | 12/31/16 | 10-K | |
11/07/16 | 09/30/16 | 10-Q | |
08/05/16 | 06/30/16 | 10-Q | |
05/06/16 | 03/31/16 | 10-Q | |
02/26/16 | 12/31/15 | 10-K | |
10/30/15 | 09/30/15 | 10-Q | |
08/07/15 | 06/30/15 | 10-Q | |
05/08/15 | 03/31/15 | 10-Q | |
02/26/15 | 12/31/14 | 10-K | |
11/07/14 | 09/30/14 | 10-Q | |
08/08/14 | 06/30/14 | 10-Q | |
05/08/14 | 03/31/14 | 10-Q | |
02/27/14 | 12/31/13 | 10-K | |
11/08/13 | 09/30/13 | 10-Q | |
08/08/13 | 06/30/13 | 10-Q | |
05/09/13 | 03/31/13 | 10-Q | |
02/25/13 | 12/31/12 | 10-K | |
11/09/12 | 09/30/12 | 10-Q | |
08/09/12 | 06/30/12 | 10-Q | |
05/10/12 | 03/31/12 | 10-Q | |
02/28/12 | 12/31/11 | 10-K | |
11/14/11 | 09/30/11 | 10-Q | |
08/12/11 | 06/30/11 | 10-Q | |
05/16/11 | 03/31/11 | 10-Q | |
03/31/11 | 12/31/10 | 10-K | |
01/31/11 | 09/30/10 | 424B1 | |
10/29/10 | 06/30/10 | S-1 | |
05/16/11 | 03/31/10 | 10-Q |