BankUnited (BKU) Stock Overview
Operates as the bank holding company for BankUnited, a national banking association that provides a range of banking services in the United States. More details
| Snowflake Score | |
|---|---|
| Valuation | 3/6 |
| Future Growth | 1/6 |
| Past Performance | 3/6 |
| Financial Health | 5/6 |
| Dividends | 5/6 |
Rewards
Risk Analysis
No risks detected for BKU from our risk checks.
BKU Community Fair Values
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Analyst Price Targets
BankUnited, Inc. Competitors
Price History & Performance
| Historical stock prices | |
|---|---|
| Current Share Price | US$46.22 |
| 52 Week High | US$52.11 |
| 52 Week Low | US$33.06 |
| Beta | 1.18 |
| 1 Month Change | 0.46% |
| 3 Month Change | -7.69% |
| 1 Year Change | 33.82% |
| 3 Year Change | 135.70% |
| 5 Year Change | -3.29% |
| Change since IPO | 62.75% |
Recent News & Updates
Narrative Update • May 11
BKU: 2026 Dividend And Capital Returns Will Support Upside Repricing
Narrative Update on BankUnited Analysts have trimmed their BankUnited price target by about $0.64, reflecting updated assumptions on fair value, discount rate, revenue growth, profit margin, and future P/E. This aligns with recent mixed Street research that includes target cuts from Citi and Keefe Bruyette, alongside a prior target increase from Cantor Fitzgerald.Narrative Update • Apr 23
BKU: 2026 Dividend Strength And Earnings Resilience Will Support Further Upside Potential
Analysts have nudged their price targets on BankUnited higher, with Street research pointing to a cluster of upward revisions. Cantor Fitzgerald, for example, has moved its target to $56 from $51 as it factors in updated fair value estimates, discount rates, and future P/E assumptions.Seeking Alpha • Apr 22
BankUnited: Low Reserves Limit Upside
Summary BankUnited is maintained at 'Hold,' reflecting cautious optimism amid strong deposit growth but concerns over reserve adequacy. BKU's core deposit growth and declining deposit costs support net interest margin, but sequential NIM compression in Q1 was greater than expected. Commercial real estate and non-depository financial institution exposures are manageable, with diversified CRE and low NDFI risk relative to peers. Capital strength enables continued buybacks and a 2.8% dividend yield, but reserve levels below nonperforming loans limit valuation upside. Read the full article on Seeking AlphaRecent updates
Narrative Update • May 11
BKU: 2026 Dividend And Capital Returns Will Support Upside Repricing
Narrative Update on BankUnited Analysts have trimmed their BankUnited price target by about $0.64, reflecting updated assumptions on fair value, discount rate, revenue growth, profit margin, and future P/E. This aligns with recent mixed Street research that includes target cuts from Citi and Keefe Bruyette, alongside a prior target increase from Cantor Fitzgerald.Narrative Update • Apr 23
BKU: 2026 Dividend Strength And Earnings Resilience Will Support Further Upside Potential
Analysts have nudged their price targets on BankUnited higher, with Street research pointing to a cluster of upward revisions. Cantor Fitzgerald, for example, has moved its target to $56 from $51 as it factors in updated fair value estimates, discount rates, and future P/E assumptions.Seeking Alpha • Apr 22
BankUnited: Low Reserves Limit Upside
Summary BankUnited is maintained at 'Hold,' reflecting cautious optimism amid strong deposit growth but concerns over reserve adequacy. BKU's core deposit growth and declining deposit costs support net interest margin, but sequential NIM compression in Q1 was greater than expected. Commercial real estate and non-depository financial institution exposures are manageable, with diversified CRE and low NDFI risk relative to peers. Capital strength enables continued buybacks and a 2.8% dividend yield, but reserve levels below nonperforming loans limit valuation upside. Read the full article on Seeking AlphaNarrative Update • Apr 09
BKU: 2026 Capital Returns And Earnings Resilience Will Drive Upside Potential
Analysts have raised their average price target on BankUnited by a mid single digit dollar amount, with several firms moving into the higher $50s range, citing updated views on growth, profitability, and valuation assumptions. Analyst Commentary Recent Street research around BankUnited has centered on updated price targets, with several firms adjusting their views after a period of volatility for bank stocks and broader macro headlines.Narrative Update • Mar 26
BKU: 2026 Loan Momentum And Expanded Buybacks Will Drive Upside Potential
BankUnited's updated analyst price target edges slightly lower, with the model fair value moving from $54.09 to $53.64 as analysts fine tune discount rate and future P/E assumptions, while still citing a broad wave of recent target increases across Wall Street research. Analyst Commentary Recent Street research shows a cluster of higher price targets for BankUnited, even as some models build in more conservative assumptions.Narrative Update • Mar 08
BKU: 2026 Loan Momentum And Buybacks Are Expected To Drive Upside
The analyst price target for BankUnited has edged higher by about $0.45 to reflect a modestly raised fair value estimate of roughly $54, supported by a broad wave of recent target hikes from multiple firms that cite 2026 fundamentals as a key focus. Analyst Commentary Recent research shows a cluster of target hikes around BankUnited, with several firms revising their numbers higher and pointing to 2026 fundamentals as a key reference point.Narrative Update • Feb 20
BKU: 2026 Outlook Weighs Loan Momentum Against Credit Risk And Buybacks
Narrative Update on BankUnited Analysts have lifted their average price targets on BankUnited by a mid single digit dollar range, with multiple firms raising views by $4 to $13, citing factors such as loan growth expectations, net interest income momentum, operating leverage, and return improvement. Our fair value estimate of $53.64 and core assumptions remain essentially unchanged.Narrative Update • Feb 05
BKU: 2026 Outlook Balances Loan Momentum Credit Risk And Capital Returns
Analysts have raised their BankUnited fair value estimate by about US$5.55 to US$53.64, reflecting updated assumptions for revenue growth, profit margins and future P/E that align with a recent wave of higher price targets across Wall Street firms. Analyst Commentary Recent Street research on BankUnited features a cluster of higher price targets, including several US$6 to US$13 upward revisions and a fresh initiation with a constructive stance.Narrative Update • Jan 21
BKU: Loan Momentum And Credit Risk Will Shape Balanced 2026 Outlook
Analysts have raised their price targets on BankUnited, with our fair value estimate moving from US$45.90 to about US$48.09 as they highlight updated assumptions for loan growth, margins, and a slightly richer future P/E profile. Analyst Commentary Recent research updates on BankUnited show a mix of optimism around earnings power and ongoing caution around sector risks, which helps explain the modest lift in fair value estimates.Narrative Update • Jan 06
BKU: Final Asset Remixing And 2026 Guidance Expectations Will Shape Balanced Outlook
Analysts have nudged their fair value estimate for BankUnited to about $45.90 from roughly $45.10, citing updated assumptions for discount rate, revenue growth, profit margin and future P/E, while weighing recent Street research that includes a lowered US$40 price target and mixed Q3 results. Analyst Commentary Bullish Takeaways Bullish analysts see the updated fair value estimate of about $45.90 as still above the recent US$40 price target.Narrative Update • Dec 23
BKU: Asset Remixing Completion And 2026 Outlook Will Drive Balanced Risk Profile
Analysts have nudged their price target on BankUnited higher by about $1 to approximately $45 per share, reflecting expectations for modestly stronger long term growth, slightly improved profitability, and a more constructive outlook on balance sheet expansion as asset remixing nears completion. Analyst Commentary Recent Street commentary reflects a balanced view on BankUnited, with analysts weighing near term earnings pressure against improving medium term growth prospects and capital deployment flexibility.Narrative Update • Dec 09
BKU: Asset Remixing And 2026 Outlook Will Shape Balanced Risk Reward
Analysts have modestly raised their BankUnited price target from approximately $42 to about $44.10 per share, citing expectations that the bank's nearly completed asset remixing and anticipated 2026 balance sheet growth will support a slightly higher fair value despite recent mixed quarterly results. Analyst Commentary Analysts remain divided on BankUnited's near term risk and longer term upside, reflecting a balance between earnings pressure today and potential growth benefits from strategic repositioning.Narrative Update • Nov 23
BKU: Asset Remixing Progress And Mixed Results Will Influence 2026 Performance
Analysts have revised their price target for BankUnited slightly downward, from $42.00 to $40.00 per share. They cite mixed third-quarter results and a near-term outlook that balances asset remixing progress with expectations for improved growth in 2026.Narrative Update • Nov 07
BKU: Asset Remix Completion And Diminished Loan Activity Will Shape 2026 Outlook
Analysts have lowered their price target for BankUnited from $42 to $40 per share. This reflects mixed recent results and expectations for improved performance in 2026.Narrative Update • Oct 23
Analysts Divided on BankUnited as Price Target and Valuation Shift Amid Mixed Results
Analysts have slightly lowered BankUnited’s price target from $43.03 to $42.02, citing mixed quarterly results as well as expectations for improving balance sheet growth and guidance updates in the coming year. Analyst Commentary Analyst opinions on BankUnited are currently divided as the bank navigates ongoing changes to its business model and faces industry-wide challenges.Narrative Update • Sep 05
Sunbelt Expansion And Fee Channels Will Advance Future Prospects
BankUnited’s consensus price target was modestly increased to $43.03, reflecting analyst optimism on strong deposit growth, margin expansion, and solid quarterly performance, despite some credit quality concerns. Analyst Commentary Bullish analysts note strong deposit growth trends supporting upward price target revisions.Seeking Alpha • Apr 30
BankUnited: Credit Concerns Offset Deposit Growth In Q1
Summary BankUnited's strong deposit growth and solid capital position are overshadowed by weak loan demand and credit quality concerns, compressing margins and limiting interest income growth. Q1 results were mixed, with earnings beating estimates due to lower credit loss reserves, but net interest margin and loan book growth remain challenges. Despite improved funding costs and deposit composition, the bank's liquidity is a near-term drag, and reserve levels appear aggressive, given economic uncertainties. Shares are fairly valued at 10x earnings, with a secure 3.7% dividend yield; maintaining a "hold" rating, due to strong deposits but reserve risks. Read the full article on Seeking AlphaAnalysis Article • Mar 30
BankUnited (NYSE:BKU) Is Paying Out A Larger Dividend Than Last Year
BankUnited, Inc. ( NYSE:BKU ) has announced that it will be increasing its periodic dividend on the 30th of April to...Seeking Alpha • Jan 31
BankUnited: Solid Deposits But Light Reserves Leave Shares Fairly Valued (Rating Downgrade)
Summary BankUnited shares gained 36% over the past year, driven by improved deposit performance and hopes for an easier regulatory environment. Despite strong financials and a 16% return since September, I am less bullish due to valuation concerns and limited buyback prospects. The deposit mix has improved with NIB balances growing over the past year, which has improved NIM and return on equity. Credit quality shows some weakening, with nonperforming assets at 63bps and light reserves, but strong capital ratios provide financial flexibility. At ~1x adjusted book value and with a ~10% ROE, BKU stock is fairly valued at around $40. Read the full article on Seeking AlphaSeeking Alpha • Nov 29
BankUnited Might Be Ready For A Downgrade Before Too Long
Summary I initially rated BankUnited, Inc. a “buy” in June 2023, but after downgrading to “hold,” shares surged another 65.1%, outperforming the market. BankUnited's recent financials show growth in deposits, securities, and net interest income, but a decline in loans and non-interest income. The bank's valuation appears pricey with a P/E multiple of 17.3, higher than my preferred 6-10 range, and relatively low asset quality. Despite some positive growth, I maintain a “hold” rating for BankUnited, with potential for a downgrade if fundamentals deteriorate or share prices rise further. Read the full article on Seeking Alpha
New Narrative • Oct 27
Calculated Deposit Management And Talent Drive Growth In Banking Franchise
Proactive deposit management and NIDDA strategy enhance net interest margins, boosting profitability through cheap funding.Seeking Alpha • Sep 13
BankUnited: Strong Deposit Trends Enable Further Upside
Summary BankUnited shares have surged nearly 40% over the past year, driven by strong deposit growth and conservative underwriting, outperforming the market significantly. Q2 earnings rose to $0.72 per share, with net interest margin improving and strong deposit growth, particularly in noninterest-bearing deposits, which improves the forward outlook. Despite some concerns in commercial real estate, BKU's conservative underwriting and strong capital position mitigate potential risks, supporting continued balance sheet growth. With a fair value estimate of $37-37.50, BKU offers a potential 10-11% total return, making it an attractive investment. Read the full article on Seeking AlphaSeeking Alpha • Jun 25
BankUnited: Upside Even With Potential CRE Weakness
Summary BankUnited shares have risen over 26% in the past year but remain below pre-crisis levels, given increased funding costs. Recent commercial real estate worries have impacted regional banking sector performance, but BKU's loan portfolio is well positioned, even if there is a further downturn. BankUnited's deposit growth and conservative underwriting position it well for future earnings growth and potential upside for investors. Read the full article on Seeking AlphaSeeking Alpha • Apr 05
Downgrading BankUnited After A Fantastic Run Higher
Summary BankUnited's stock has outperformed the S&P 500 since June 2023, but there are concerns about the institution's financial performance. The bank's net interest income has fallen for three consecutive years, and total interest-bearing liabilities have risen. Non-interest income has increased, but net profits have declined, and the value of deposits, loans, and securities on the balance sheet has decreased. Read the full article on Seeking AlphaAnalysis Article • Apr 04
BankUnited's (NYSE:BKU) Shareholders Will Receive A Bigger Dividend Than Last Year
BankUnited, Inc.'s ( NYSE:BKU ) dividend will be increasing from last year's payment of the same period to $0.29 on...Shareholder Returns
| BKU | US Banks | US Market | |
|---|---|---|---|
| 7D | 2.2% | 3.2% | 1.0% |
| 1Y | 33.8% | 22.4% | 28.7% |
Return vs Industry: BKU exceeded the US Banks industry which returned 21.3% over the past year.
Return vs Market: BKU exceeded the US Market which returned 27.1% over the past year.
Price Volatility
| BKU volatility | |
|---|---|
| BKU Average Weekly Movement | 3.7% |
| Banks Industry Average Movement | 3.5% |
| Market Average Movement | 7.2% |
| 10% most volatile stocks in US Market | 16.4% |
| 10% least volatile stocks in US Market | 3.1% |
Stable Share Price: BKU has not had significant price volatility in the past 3 months compared to the US market.
Volatility Over Time: BKU's weekly volatility (4%) has been stable over the past year.
About the Company
| Founded | Employees | CEO | Website |
|---|---|---|---|
| 2009 | 1,794 | Raj Singh | 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, 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.
BankUnited, Inc. Fundamentals Summary
| BKU fundamental statistics | |
|---|---|
| Market cap | US$3.37b |
| Earnings (TTM) | US$277.36m |
| Revenue (TTM) | US$1.03b |
12.1x
P/E Ratio1.1x
P/B RatioIs BKU overvalued?
See Fair Value and valuation analysisEarnings & Revenue
| BKU income statement (TTM) | |
|---|---|
| Revenue | US$1.03b |
| Cost of Revenue | US$0 |
| Gross Profit | US$1.03b |
| Other Expenses | US$756.72m |
| Earnings | US$277.36m |
Last Reported Earnings
Mar 31, 2026
Next Earnings Date
n/a
| Earnings per share (EPS) | 3.82 |
| Gross Margin | 100.00% |
| Net Profit Margin | 26.82% |
| Debt/Equity Ratio | 70.4% |
How did BKU perform over the long term?
See historical performance and comparisonDividends
2.9%
Current Dividend Yield34%
Payout RatioCompany Analysis and Financial Data Status
| Data | Last Updated (UTC time) |
|---|---|
| Company Analysis | 2026/05/22 07:06 |
| End of Day Share Price | 2026/05/22 00:00 |
| Earnings | 2026/03/31 |
| Annual Earnings | 2025/12/31 |
Data Sources
The data used in our company analysis is from S&P Global Market Intelligence LLC. The following data is used in our analysis model to generate this report. Data is normalised which can introduce a delay from the source being available.
| Package | Data | Timeframe | Example US Source * |
|---|---|---|---|
| Company Financials | 10 years |
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| Analyst Consensus Estimates | +3 years |
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| Market Prices | 30 years |
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| Ownership | 10 years |
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| Management | 10 years |
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| Key Developments | 10 years |
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* Example for US securities, for non-US equivalent regulatory forms and sources are used.
Unless specified all financial data is based on a yearly period but updated quarterly. This is known as Trailing Twelve Month (TTM) or Last Twelve Month (LTM) Data. Learn more.
Analysis Model and Snowflake
Details of the analysis model used to generate this report is available on our Github page, we also have guides on how to use our reports and tutorials on Youtube.
Learn about the world class team who designed and built the Simply Wall St analysis model.
Industry and Sector Metrics
Our industry and section metrics are calculated every 6 hours by Simply Wall St, details of our process are available on Github.
Analyst Sources
BankUnited, Inc. is covered by 28 analysts. 10 of those analysts submitted the estimates of revenue or earnings used as inputs to our report. Analysts submissions are updated throughout the day.
| Analyst | Institution |
|---|---|
| Jared David Shaw | Barclays |
| Matthew Keating | Barclays |
| Leanne Caravaggio | BMO Capital Markets Equity Research |