BKU
Financial ServicesBankUnited, Inc. · Banks - Regional · $3B
What is BankUnited, Inc.?
BankUnited, Inc. is the holding company for BankUnited, a national bank serving retail and commercial customers primarily across Florida and the New York metropolitan area. It offers a broad range of deposit, lending, and cash management services.
BankUnited generates revenue through traditional banking activities: accepting deposits and deploying capital into a diversified loan portfolio. Commercial lending — including lines of credit, equipment loans, and commercial real estate — forms the core of its business. The bank also serves consumers through residential mortgages and offers digital banking channels alongside its physical branch network concentrated in Florida.
BankUnited was incorporated in 2009 and is headquartered in Miami Lakes, Florida.
- Commercial and small business loans
- Commercial real estate and residential mortgage lending
- Deposit accounts and cash management services
- Online, mobile, and telephone banking
Is BKU a Good Stock to Buy?
UQS Score rates BKU as Good overall, reflecting a balanced but mixed profile across the five quality pillars.
BKU's most notable relative strengths lie in its Risk and Valuation pillars, which are rated Good and Attractive respectively — suggesting the bank manages credit and operational risk at an above-average level for regional peers and that the shares are not priced at a premium.
The Moat and Growth pillars both register as Weak, indicating limited competitive differentiation and below-average earnings expansion relative to sector peers.
See the exact pillar breakdown and full financial metrics by signing up for a UQS Pro account. Sign up free →
Past performance does not guarantee future results. UQS Score is based on fundamental data and is not a buy/sell recommendation.
Does BKU pay dividends?
Yes — BankUnited, Inc. pays a dividend.
BankUnited pays a regular dividend, consistent with the income-oriented tradition of established regional banks. The dividend reflects the company's relatively stable deposit-funded business model and its capacity to return capital to shareholders. Income-focused investors may find the cadence predictable, though dividend sustainability should always be weighed against the bank's earnings trajectory.
When does BKU report earnings?
BankUnited reports earnings on a quarterly cadence, typical for US-listed bank holding companies.
The bank's results have reflected the broader regional banking environment, with net interest income sensitive to rate movements and credit quality trends. Growth has been measured, consistent with the Weak Growth pillar rating in the UQS framework.
For the most recent quarter's results and guidance, visit BankUnited's investor relations page directly.
BKU Price History
+15.4% over 5Y
Monthly close, adjusted for stock splits and dividend reinvestment.
What if I invested in BankUnited, Inc.?
Based on BankUnited, Inc.'s historical closing prices, adjusted for stock splits and dividend reinvestment. Past performance does not guarantee future results. This is for informational purposes only and is not financial advice.
BKU Long-term Outlook
BKU's fundamental outlook is shaped by its Good Risk rating and Weak Growth profile. The bank appears positioned for steady, if modest, performance rather than rapid expansion. The Attractive Valuation label suggests the market has not priced in aggressive growth expectations, which may limit downside but also caps near-term upside potential. Risk management discipline remains a key factor supporting the overall Good composite rating.
Growth drivers
- Expansion of commercial lending relationships in core Florida markets
- Potential net interest margin benefit from a stable or rising rate environment
- Incremental growth in digital banking adoption among existing customers
Key risks
- Limited competitive moat in a crowded regional banking landscape
- Weak Growth pillar signals below-sector earnings momentum
- Credit quality sensitivity to Florida real estate market cycles
BKU vs Peers
BankUnited competes with other regional and community bank holding companies that share similar deposit-funded, loan-driven business models.
First Interstate operates primarily across the Mountain West and Pacific Northwest, giving it a distinct geographic footprint compared to BKU's Florida and New York concentration.
WesBanco focuses on the Mid-Atlantic and Midwest regions, with a community banking model that emphasizes local relationship lending over larger commercial credits.
Cathay General Bancorp serves a significant Chinese-American customer base across major US cities, differentiating itself through specialized trade finance and cross-border banking services.
Frequently Asked Questions
What does BankUnited do?
BankUnited is a national bank holding company that provides commercial and consumer banking services. It accepts deposits and makes loans — primarily commercial, commercial real estate, and residential mortgages — through branches concentrated in Florida and the New York area, as well as digital banking channels.
Does BKU pay dividends?
Yes, BankUnited pays a regular dividend. This is consistent with its stable, deposit-funded banking model and its approach to returning capital to shareholders. Investors should review the company's investor relations page for the current dividend rate and payment schedule.
When does BKU report earnings?
BankUnited reports financial results on a quarterly basis, in line with standard practice for US-listed bank holding companies. For the exact schedule and most recent results, check BankUnited's investor relations page.
Is BKU a good stock to buy?
UQS Score rates BKU as Good overall. Its Risk pillar is rated Good and its Valuation pillar is Attractive, but the Moat and Growth pillars are both Weak. Whether BKU fits your portfolio depends on your own investment criteria — the full pillar breakdown is available to UQS Pro members.
Is BKU overvalued?
The UQS Valuation pillar for BKU is rated Attractive, suggesting the shares are not trading at a significant premium relative to the bank's fundamentals. This does not constitute a price target or guarantee of returns, but it indicates the market has not priced in aggressive growth expectations.
How does BKU compare to its competitors?
BKU operates in a competitive regional banking space alongside peers such as First Interstate BancSystem, WesBanco, and Cathay General Bancorp. Each competitor has a distinct geographic focus and customer mix. UQS Pro members can view side-by-side UQS Score comparisons across these peers.
What is BKU's market cap bracket?
BankUnited is classified as a mid-cap company. This places it in the range of established regional banks with meaningful scale but below the largest national banking institutions.
Who founded BankUnited?
BankUnited, Inc. was incorporated in 2009 following the acquisition of the failed BankUnited FSB out of FDIC receivership. John Kanas, a well-known banking executive, was instrumental in leading the new entity. Full founding details are publicly available through the company's filings and history.
Is BKU a long-term quality investment?
From a long-term quality perspective, BKU's Good UQS Score reflects a mixed picture. Its Risk management is rated Good and Valuation is Attractive, but the Weak Moat and Growth pillars suggest limited competitive durability and below-average expansion potential. Long-term quality indicators are detailed in the full UQS Pro report.
What sector does BKU belong to?
BankUnited operates in the Financial Services sector, specifically as a regional bank holding company. Regional banks are sensitive to interest rate cycles, credit quality trends, and local economic conditions — all factors reflected in the UQS Risk and Moat pillar assessments.
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Pro Analysis
BKU — Score History
| Date | UQS | Quality | Moat | Growth | Risk | Value | Change |
|---|---|---|---|---|---|---|---|
| May 23, 2026 | 45.5 | 59.6 | 24.0 | 37.2 | 28.0 | 86.6 | 0.0 |
| May 22, 2026 | 45.5 | 59.6 | 24.0 | 37.2 | 28.0 | 86.1 | 0.0 |
| May 21, 2026 | 45.5 | 59.6 | 24.0 | 37.2 | 28.0 | 86.2 | -0.2 |
| May 20, 2026 | 45.7 | 59.6 | 24.0 | 37.2 | 28.0 | 87.4 | +0.1 |
| May 19, 2026 | 45.6 | 59.6 | 24.0 | 37.2 | 28.0 | 87.1 | 0.0 |
| May 17, 2026 | 45.6 | 59.6 | 24.0 | 37.2 | 28.0 | 86.9 | -0.1 |
| May 16, 2026 | 45.7 | 59.6 | 24.0 | 37.2 | 28.0 | 87.5 | +0.1 |
| May 15, 2026 | 45.6 | 59.6 | 24.0 | 37.2 | 28.0 | 86.6 | 0.0 |
| May 14, 2026 | 45.6 | 59.6 | 24.0 | 37.2 | 28.0 | 86.8 | +0.1 |
| May 12, 2026 | 45.5 | 59.6 | 24.0 | 37.2 | 28.0 | 86.2 | +0.1 |
BKU — Pillar Breakdown
Quality
— 59.6/100 (25%)BankUnited, Inc. shows solid profitability with healthy returns on capital and reasonable margins.
Profitability relative to shareholders' equity.
Ability to convert revenue into operating profit.
Bottom-line profit as a share of revenue.
Free cash flow relative to market value.
Growth
— 37.2/100 (20%)BankUnited, Inc. shows steady but unspectacular growth, typical for mature companies.
Revenue trajectory over the last twelve months.
Compound annual revenue growth rate over 3 years.
Year-over-year earnings per share growth.
Analyst consensus for future revenue growth.
Analyst consensus for future earnings growth.
Risk
— 28.0/100 (15%)BankUnited, Inc. presents elevated risk with concerns around leverage or financial stability.
Total debt relative to shareholder equity.
Short-term liquidity — ability to pay near-term obligations.
Earnings capacity relative to interest payments.
Valuation
— 88.7/100 (15%)BankUnited, Inc. appears attractively valued relative to its earnings, cash flows, and sector peers.
Inverse of forward P/E — higher yield means cheaper stock.
How many years of FCF the market cap represents.
P/E relative to earnings growth — lower is more attractive.
Enterprise value multiple relative to sector median.
Moat
— 24/100 (25%)BankUnited, Inc. operates in a highly competitive environment with limited sustainable advantages. The Moat pillar evaluates competitive advantages across five dimensions: Switching Costs, Network Effects, Cost Advantage, Intangible Assets, and Scale & Ecosystem. Sign in to customize moat ratings for BKU.
Score Composition
Financial Data
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How is the BKU UQS Score Calculated?
The UQS (Unified Quality Score) for BankUnited, Inc. is calculated using a proprietary 6-pillar framework with 29 financial metrics. Each pillar evaluates a different dimension on a 0–100 scale, then combines into a single weighted score. Scoring thresholds are calibrated per sector. Momentum is an optional Pro toggle — without it, you get the 5-pillar / 25-metric core shown below.
Quality (25%) measures profitability and capital efficiency — ROIC, ROE, margins, GP/Assets, and FCF Yield.
Moat (25%) assesses BankUnited, Inc.'s competitive advantages across switching costs, network effects, cost advantages, intangible assets, and ecosystem scale.
Growth (20%) tracks revenue trajectory and earnings momentum, combining historical results with analyst forward estimates.
Risk (15%) is inversely scored — lower leverage and strong balance sheet health result in higher scores.
Valuation (15%) measures whether BankUnited, Inc. is fairly priced using earnings yield, price-to-FCF, PEG ratio, and EV/EBITDA relative to sector peers.
Six investor-inspired presets are available, each with different pillar weights: Balanced, Buffett, Munger, Lynch, Cathie Wood, and Graham. The public score shown here uses the Balanced preset. Learn more in our FAQ.