BKU
BankUnited, Inc.
BKU's fundamentals are mixed: revenue grew 5.4%, but its operating margin fell 2 points to 32%. At 12x earnings, it's trading in line with its usual 11x. Analysts expect earnings growth.
BKU Fundamentals
| Metric | Status |
|---|---|
| Stable | |
| Strong | |
| N/A | |
| N/A |
BKU's profitability is currently strong, and its revenue is stable. Free cash flow and net leverage aren't meaningful measures for financial services companies like BKU.
BKU PE Valuation
| Level | PE | Price | Vs current |
|---|---|---|---|
| Cheap | 8.6x | $31.80 | -28% |
| Forward | 10x | $43.91 | — |
| Fair | 11x | $41.41 | -5.7% |
| Current | 12x | $43.91 | — |
| Expensive | 14x | $50.31 | +15% |
Historical ranges are pointers, not guarantees.
BKU's PE is in its fair range at 12x. If earnings grow as analysts expect, today's price would be 10x next year's earnings.
BKU Forward outlook
| Metric | Outlook |
|---|---|
| Improving | |
| Growth | |
| Stable | |
| Improving | |
| Limited | |
| Moderate |
Analysts expect BKU's earnings to grow and its profitability to improve, with its revenue holding steady.
BKU Earnings Per Share
| Quarter | TTM EPS | YoY |
|---|---|---|
| Forward | $4.21 | +14% |
| Q3 2026 | $3.71 | +4.5% |
| Q2 2026 | $3.65 | +7% |
| Q1 2026 | $3.59 | +11% |
| Q4 2025 | $3.54 | +15% |
| Q3 2025 | $3.55 | +45% |
| Q2 2025 | $3.41 | +51% |
| Q1 2025 | $3.22 | +39% |
| Q4 2024 | $3.08 | +29% |
BKU's earnings per share have climbed steadily: $3.71 over the past year, up 4.5% from the year before, and higher year over year for eight quarters in a row.
BKU Quarterly Revenue
| Quarter | Revenue | YoY |
|---|---|---|
| Q3 2026 | $280.4M | +1.7% |
| Q2 2026 | $284.6M | +3.9% |
| Q1 2026 | $273.7M | +7.2% |
| Q4 2025 | $288.2M | +9% |
| Q3 2025 | $275.7M | +7.3% |
| Q2 2025 | $273.9M | +9.5% |
| Q1 2025 | $255.4M | +5.7% |
| Q4 2024 | $264.5M | +13% |
BKU's revenue has grown year over year for 10 quarters in a row: $280M last quarter, up 1.7% from the same quarter a year ago.
| Quarter | Margin | YoY |
|---|---|---|
| Q3 2026 | 35% | -1 points |
| Q2 2026 | 33% | -1.1 points |
| Q1 2026 | 30% | -1.5 points |
| Q4 2025 | 31% | -4 points |
| Q3 2025 | 36% | +3.2 points |
| Q2 2025 | 34% | +5.1 points |
| Q1 2025 | 31% | +3.6 points |
| Q4 2024 | 35% | +25 points |
BKU's operating margin was 35% last quarter, down 1 points from the same quarter a year ago.
BKU Free Cash Flow
| Quarter | Free cash flow | YoY |
|---|---|---|
| Q3 2026 | $250.9M | +152% |
| Q2 2026 | $128.6M | +9.4% |
| Q1 2026 | $18.3M | +12% |
| Q4 2025 | $124.9M | -33% |
| Q3 2025 | $99.7M | +117% |
| Q2 2025 | $117.6M | -13% |
| Q1 2025 | $16.4M | -75% |
| Q4 2024 | $185.5M | +191% |
BKU's free cash flow was $523M over the past year, up 25% from the year before. Free cash flow isn't a meaningful measure for financial services companies like BKU.
BKU Total Shares
| Period | Change % | Net change |
|---|---|---|
| Quarterly | -1.7% | -1.3M shares |
| 1 year | -5.7% | -4.3M shares |
| 3 years | -4.4% | -3.2M shares |
| 5 years | -23% | -20.5M shares |
| Available history | -26% | -25.1M shares |
BKU has 71M diluted shares, down 5.7% from a year ago.
| Quarter | Spent |
|---|---|
| Q3 2026 | $98M |
| Q2 2026 | $50.6M |
| Q1 2026 | $60M |
| Q4 2024 | — |
| Q3 2024 | — |
| Q2 2024 | — |
| Q1 2024 | — |
| Q4 2023 | — |
BKU Net Leverage
| Quarter | Net Leverage | Status |
|---|---|---|
| Q3 2026 | -0.3x | Net Cash |
| Q2 2026 | -0.1x | Net Cash |
| Q1 2026 | -0.2x | Net Cash |
| Q4 2025 | 0.3x | Very low |
| Q3 2025 | -0.6x | Net Cash |
| Q2 2025 | -0.2x | Net Cash |
| Q1 2025 | 0.7x | Very low |
| Q4 2024 | 0.6x | Very low |
BKU has more cash than debt. Net leverage isn't a meaningful measure for financial services companies like BKU.
BKU Weekly Momentum
| Metric | Value | Status |
|---|---|---|
| RSI | 45.6 | Neutral |
| Stochastic | 37.2 | Neutral |
BKU's weekly RSI is 46 (neutral) and its Stochastic is 37 (neutral).
BKU PE vs Financial Services Sector
| Metric | BKU | Sector median | Relative |
|---|---|---|---|
| PE | 12x | 13x | 9.1% below |
| PE % | 63 | 63 | Same percentile |
BKU is trading at 12x earnings, in line with the Financial Services sector's median of 13x.
BKU Weekly Moving Averages
| Moving average | MA price | Relative |
|---|---|---|
| 8 week MA | $43.2 | 1.6% above |
| 20 week MA | $45.4 | 3.3% below |
| 50 week MA | $46.1 | 4.7% below |
| 100 week MA | $41.6 | 5.7% above |
| 200 week MA | $35.4 | 24% above |
BKU's trend is mixed: it's above three of its five weekly moving averages, and 24% above its 200-week average.
BKU Yearly ROI
| Year | Start price | End price | ROI |
|---|---|---|---|
| 2020 | $36.4 | $34.1 | -6.2% |
| 2021 | $34.1 | $41.9 | +23% |
| 2022 | $41.9 | $33.7 | -20% |
| 2023 | $33.7 | $32.4 | -3.8% |
| 2024 | $32.4 | $38.4 | +18% |
| 2025 | $38.4 | $45.4 | +18% |
| 2026 YTD | $45.4 | $43.9 | -3.2% |
BKU has finished lower in three of the last six years. It's down 3.2% so far in 2026.