Bankunited Inc Financials

BKU

Source SEC Filings (10-K/10-Q) Updated Sep 30, 2025 Currency USD FYE December

Financial Health Signals

Piotroski F-Score Neutral

4/9

Bankunited Inc passes 4 of 9 financial strength tests. All 4 profitability signals pass (positive income, cash flow, and earnings quality), no leverage/liquidity signals pass (rising debt, declining liquidity, or share dilution), neither operating efficiency signal passes.

Earnings Quality Cash-Backed

1.87x

For every $1 of reported earnings, Bankunited Inc generates $1.87 in operating cash flow ($433.8M OCF vs $232.5M net income). This indicates profits are well-supported by actual cash generation, not accounting adjustments.

This page shows Bankunited Inc (BKU) financial statements, including the income statement, balance sheet, cash flow statement, and key financial ratios. View 15 years of annual fundamentals and quarterly data, with year-over-year growth rates and compound annual growth rates (CAGR). All figures are derived from SEC filings (10-K and 10-Q reports).

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Key Financial Metrics

Revenue

$20.2M

YoY-3.3%

5Y CAGR+4.1%

10Y CAGR-30.6%

Bankunited Inc generated $20.2M in revenue in fiscal year 2024. This represents a decrease of 3.3% from the prior year.

EBITDA

N/A

Free Cash Flow

N/A

Net Income

$232.5M

YoY+30.1%

5Y CAGR-5.8%

10Y CAGR+1.3%

Bankunited Inc reported $232.5M in net income in fiscal year 2024. This represents an increase of 30.1% from the prior year.

EPS (Diluted)

$3.08

YoY+29.4%

5Y CAGR-0.3%

10Y CAGR+4.7%

Bankunited Inc earned $3.08 per diluted share (EPS) in fiscal year 2024. This represents an increase of 29.4% from the prior year.

Cash & Debt

$491.1M

YoY-16.5%

5Y CAGR+18.0%

10Y CAGR+10.1%

Bankunited Inc held $491.1M in cash against $683.9M in long-term debt as of fiscal year 2024.

Dividends Per Share

$1.16

YoY+7.4%

5Y CAGR+6.7%

10Y CAGR+3.3%

Bankunited Inc paid $1.16 per share in dividends in fiscal year 2024. This represents an increase of 7.4% from the prior year.

Shares Outstanding

75M

YoY+0.5%

5Y CAGR-4.7%

10Y CAGR-3.0%

Bankunited Inc had 75M shares outstanding in fiscal year 2024. This represents an increase of 0.5% from the prior year.

Gross Margin

N/A

Operating Margin

N/A

Net Margin

1149.3%

YoY+294.7pp

5Y CAGR-743.7pp

10Y CAGR+1123.3pp

Bankunited Inc's net profit margin was 1149.3% in fiscal year 2024, showing the share of revenue converted to profit. This is up 294.7 percentage points from the prior year.

Return on Equity

8.3%

YoY+1.3pp

5Y CAGR-2.2pp

10Y CAGR-1.7pp

Bankunited Inc's ROE was 8.3% in fiscal year 2024, measuring profit generated per dollar of shareholder equity. This is up 1.3 percentage points from the prior year.

R&D Spending

N/A

Share Buybacks

YoY-100.0%

Bankunited Inc spent $0 on share buybacks in fiscal year 2024, returning capital to shareholders by reducing shares outstanding. This represents a decrease of 100.0% from the prior year.

Capital Expenditures

N/A

BKU Income Statement

Metric	FY24	FY23	FY22	FY21	FY20	FY19
Revenue	$20.2M-3.3%	$20.9M-7.1%	$22.5M+3.8%	$21.7M+31.5%	$16.5M-0.3%	$16.5M
Cost of Revenue	N/A	N/A	N/A	N/A	N/A	N/A
Gross Profit	N/A	N/A	N/A	N/A	N/A	N/A
R&D Expenses	N/A	N/A	N/A	N/A	N/A	N/A
SG&A Expenses	N/A	N/A	N/A	N/A	N/A	N/A
Operating Income	N/A	N/A	N/A	N/A	N/A	N/A
Interest Expense	$1.0B+2.8%	$983.8M+209.9%	$317.5M+93.9%	$163.8M-48.2%	$315.9M-40.3%	$529.1M
Income Tax	$83.9M+43.6%	$58.4M-35.2%	$90.2M+162.1%	$34.4M-33.2%	$51.5M-43.3%	$90.9M
Net Income	$232.5M+30.1%	$178.7M-37.3%	$285.0M-31.3%	$415.0M+109.7%	$197.9M-36.8%	$313.1M
EPS (Diluted)	$3.08+29.4%	$2.38-32.8%	$3.54-21.7%	$4.52+119.4%	$2.06-34.2%	$3.13

Metric	Q3'25	Q2'25	Q1'25	Q4'24	Q3'24	Q2'24	Q1'24	Q4'23
Revenue	$5.4M+1.2%	$5.3M+1.7%	$5.2M-98.9%	$468.0M+9229.9%	$5.0M+2.2%	$4.9M-7.6%	$5.3M-98.9%	$483.2M
Cost of Revenue	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Gross Profit	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
R&D Expenses	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
SG&A Expenses	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Operating Income	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Interest Expense	$202.8M-2.3%	$207.7M-1.4%	$210.6M-7.9%	$228.7M-11.4%	$258.2M+0.4%	$257.3M-3.5%	$266.6M+0.2%	$266.0M
Income Tax	$26.1M+3.8%	$25.1M+16.4%	$21.6M-8.8%	$23.7M+9.0%	$21.7M+13.0%	$19.2M0.0%	$19.2M+469.9%	$3.4M
Net Income	$71.9M+4.5%	$68.8M+17.6%	$58.5M-15.6%	$69.3M+12.8%	$61.5M+14.4%	$53.7M+12.0%	$48.0M+130.5%	$20.8M
EPS (Diluted)	$0.95+4.4%	$0.91+16.7%	$0.78-14.3%	$0.91+12.3%	$0.81+12.5%	$0.72+12.5%	$0.64+137.0%	$0.27

BKU Balance Sheet

Metric	FY24	FY23	FY22	FY21	FY20	FY19
Total Assets	$35.2B-1.5%	$35.8B-3.4%	$37.0B+3.4%	$35.8B+2.3%	$35.0B+6.5%	$32.9B
Current Assets	N/A	N/A	N/A	N/A	N/A	N/A
Cash & Equivalents	$491.1M-16.5%	$588.3M+2.7%	$572.6M+81.9%	$314.9M-20.8%	$397.7M+85.3%	$214.7M
Inventory	N/A	N/A	N/A	N/A	N/A	N/A
Accounts Receivable	N/A	N/A	N/A	N/A	N/A	N/A
Goodwill	N/A	N/A	N/A	N/A	N/A	$78.0M
Total Liabilities	$32.4B-2.3%	$33.2B-4.1%	$34.6B+5.5%	$32.8B+2.3%	$32.0B+7.1%	$29.9B
Current Liabilities	N/A	N/A	N/A	N/A	N/A	N/A
Long-Term Debt	$683.9M+0.2%	$682.5M-1.5%	$692.5M+0.2%	$691.2M+0.2%	$689.9M+74.6%	$395.1M
Total Equity	$2.8B+9.2%	$2.6B+5.8%	$2.4B-19.8%	$3.0B+1.8%	$3.0B+0.1%	$3.0B
Retained Earnings	$2.8B+5.5%	$2.7B+3.9%	$2.6B+8.8%	$2.3B+16.5%	$2.0B+4.5%	$1.9B

Metric	Q3'25	Q2'25	Q1'25	Q4'24	Q3'24	Q2'24	Q1'24	Q4'23
Total Assets	$35.1B-1.1%	$35.5B+1.8%	$34.8B-1.2%	$35.2B-1.5%	$35.8B+1.0%	$35.4B+0.9%	$35.1B-1.8%	$35.8B
Current Assets	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Cash & Equivalents	$559.5M-30.2%	$801.3M+80.6%	$443.7M-9.6%	$491.1M-44.8%	$889.9M+105.3%	$433.5M+2.9%	$421.2M-28.4%	$588.3M
Inventory	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Accounts Receivable	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Goodwill	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Total Liabilities	$32.0B-1.4%	$32.5B+1.8%	$31.9B-1.5%	$32.4B-1.7%	$33.0B+0.8%	$32.7B+0.8%	$32.5B-2.2%	$33.2B
Current Liabilities	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Long-Term Debt	$296.7M-58.1%	$708.9M0.0%	$709.1M+3.7%	$683.9M-3.5%	$708.7M0.0%	$708.8M0.0%	$709.0M+3.9%	$682.5M
Total Equity	$3.0B+2.7%	$3.0B+1.9%	$2.9B+3.0%	$2.8B+0.2%	$2.8B+4.0%	$2.7B+2.2%	$2.6B+2.4%	$2.6B
Retained Earnings	$2.9B+1.7%	$2.9B+1.6%	$2.8B+1.3%	$2.8B+1.7%	$2.7B+1.5%	$2.7B+1.2%	$2.7B+1.0%	$2.7B

BKU Cash Flow Statement

Metric	FY24	FY23	FY22	FY21	FY20	FY19
Operating Cash Flow	$433.8M-34.0%	$657.5M-49.2%	$1.3B+6.0%	$1.2B+41.2%	$864.2M+35.9%	$635.7M
Capital Expenditures	N/A	N/A	N/A	N/A	N/A	N/A
Free Cash Flow	N/A	N/A	N/A	N/A	N/A	N/A
Investing Cash Flow	$409.7M-58.2%	$980.6M+146.2%	-$2.1B-29.5%	-$1.6B+37.5%	-$2.6B-143.7%	-$1.1B
Financing Cash Flow	-$940.7M+42.0%	-$1.6B-249.6%	$1.1B+223.8%	$334.9M-82.7%	$1.9B+612.1%	$272.4M
Dividends Paid	$85.5M+8.1%	$79.1M-0.4%	$79.4M-7.4%	$85.8M-0.8%	$86.5M+2.9%	$84.1M
Share Buybacks	$0-100.0%	$55.2M-86.3%	$401.3M+26.0%	$318.5M+215.4%	$101.0M-34.4%	$154.0M

Metric	Q3'25	Q2'25	Q1'25	Q4'24	Q3'24	Q2'24	Q1'24	Q4'23
Operating Cash Flow	$99.7M-15.2%	$117.6M+617.1%	$16.4M-91.2%	$185.5M+302.8%	$46.1M-66.0%	$135.7M+104.0%	$66.5M+4.3%	$63.8M
Capital Expenditures	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Free Cash Flow	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Investing Cash Flow	$253.0M+235.7%	-$186.4M-168.6%	$271.9M+110.2%	$129.3M+568.7%	$19.3M+108.5%	-$226.5M-146.5%	$487.5M+389.1%	-$168.6M
Financing Cash Flow	-$594.5M-239.4%	$426.4M+227.0%	-$335.6M+53.0%	-$713.6M-282.5%	$391.0M+279.6%	$103.0M+114.3%	-$721.1M-339.4%	$301.2M
Dividends Paid	$23.3M+0.4%	$23.2M+4.5%	$22.2M+2.5%	$21.6M0.0%	$21.6M+0.5%	$21.5M+4.0%	$20.7M+3.2%	$20.1M
Share Buybacks	N/A	N/A	N/A	$0	$0	$0	$0	$0

BKU Financial Ratios

Metric	FY24	FY23	FY22	FY21	FY20	FY19
Gross Margin	N/A	N/A	N/A	N/A	N/A	N/A
Operating Margin	N/A	N/A	N/A	N/A	N/A	N/A
Net Margin	1149.3%+294.7pp	854.6%-411.3pp	1266.0%-647.7pp	1913.7%+714.3pp	1199.4%-693.7pp	1893.1%
Return on Equity	8.3%+1.3pp	6.9%-4.8pp	11.7%-2.0pp	13.7%+7.0pp	6.6%-3.9pp	10.5%
Return on Assets	0.7%+0.2pp	0.5%-0.3pp	0.8%-0.4pp	1.2%+0.6pp	0.6%-0.4pp	0.9%
Current Ratio	N/A	N/A	N/A	N/A	N/A	N/A
Debt-to-Equity	0.24-0.0	0.26-0.0	0.28+0.1	0.230.0	0.23+0.1	0.13
FCF Margin	N/A	N/A	N/A	N/A	N/A	N/A

Metric	Q3'25	Q2'25	Q1'25	Q4'24	Q3'24	Q2'24	Q1'24	Q4'23
Gross Margin	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Operating Margin	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Net Margin	1333.8%+41.9pp	1291.9%+174.8pp	1117.0%+1102.2pp	14.8%-1210.3pp	1225.1%+130.5pp	1094.6%+191.5pp	903.1%+898.8pp	4.3%
Return on Equity	2.4%+0.0pp	2.3%+0.3pp	2.0%-0.4pp	2.5%+0.3pp	2.2%+0.2pp	2.0%+0.2pp	1.8%+1.0pp	0.8%
Return on Assets	0.2%+0.0pp	0.2%+0.0pp	0.2%-0.0pp	0.2%+0.0pp	0.2%+0.0pp	0.1%+0.0pp	0.1%+0.1pp	0.1%
Current Ratio	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Debt-to-Equity	0.10-0.1	0.240.0	0.240.0	0.240.0	0.25-0.0	0.260.0	0.270.0	0.26
FCF Margin	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A

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Frequently Asked Questions

What is Bankunited Inc's annual revenue?

Bankunited Inc (BKU) reported $20.2M in total revenue for fiscal year 2024. This represents a -3.3% change compared to the previous fiscal year. Revenue measures the total income earned from the company's primary business operations before any expenses are deducted.

How fast is Bankunited Inc's revenue growing?

Bankunited Inc (BKU) revenue declined by 3.3% year-over-year, from $20.9M to $20.2M in fiscal year 2024.

Is Bankunited Inc profitable?

Yes, Bankunited Inc (BKU) reported a net income of $232.5M in fiscal year 2024, with a net profit margin of 1149.3%.

What is Bankunited Inc's earnings per share (EPS)?

Bankunited Inc (BKU) reported diluted earnings per share of $3.08 for fiscal year 2024. This represents a 29.4% change compared to the previous fiscal year. EPS represents the portion of a company's net income allocated to each outstanding share of common stock and is widely used to evaluate profitability on a per-share basis.

How much debt does Bankunited Inc have?

As of fiscal year 2024, Bankunited Inc (BKU) had $491.1M in cash and equivalents against $683.9M in long-term debt.

What is Bankunited Inc's net profit margin?

Bankunited Inc (BKU) had a net profit margin of 1149.3% in fiscal year 2024, representing the share of revenue converted into profit after all expenses.

Does Bankunited Inc pay dividends?

Yes, Bankunited Inc (BKU) paid $1.16 per share in dividends during fiscal year 2024.

What is Bankunited Inc's return on equity (ROE)?

Bankunited Inc (BKU) has a return on equity of 8.3% for fiscal year 2024, measuring how efficiently the company generates profit from shareholder equity.

What is Bankunited Inc's operating cash flow?

Bankunited Inc (BKU) generated $433.8M in operating cash flow during fiscal year 2024, representing cash generated from core business activities.

What are Bankunited Inc's total assets?

Bankunited Inc (BKU) had $35.2B in total assets as of fiscal year 2024, including both current and long-term assets.

How many shares does Bankunited Inc have outstanding?

Bankunited Inc (BKU) had 75M shares outstanding as of fiscal year 2024.

What is Bankunited Inc's debt-to-equity ratio?

Bankunited Inc (BKU) had a debt-to-equity ratio of 0.24 as of fiscal year 2024, measuring the company's financial leverage by comparing total debt to shareholder equity.

What is Bankunited Inc's return on assets (ROA)?

Bankunited Inc (BKU) had a return on assets of 0.7% for fiscal year 2024, measuring how efficiently the company uses its assets to generate profit.

What is Bankunited Inc's Piotroski F-Score?

Bankunited Inc (BKU) has a Piotroski F-Score of 4 out of 9, indicating neutral financial health. The F-Score evaluates nine binary signals across profitability (positive ROA, positive cash flow, improving ROA, earnings quality), leverage (decreasing debt, improving liquidity, no share dilution), and operating efficiency (improving gross margin, improving asset turnover). Scores of 7–9 indicate strong and improving fundamentals. Learn more in our complete guide to financial health indicators.

Are Bankunited Inc's earnings high quality?

Bankunited Inc (BKU) has an earnings quality ratio of 1.87x, considered cash-backed (high quality). This ratio compares operating cash flow to net income. A ratio above 1.0x means the company generates more cash than its reported earnings, indicating sustainable, cash-backed profits. Ratios below 1.0x suggest earnings rely on accounting accruals rather than actual cash generation. Learn more in our complete guide to financial health indicators.