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Bankunited Inc (BKU) Financials

BKU
Trailing 12 months to June 30, 2026
Revenue $1.1B +6.8% YoY
Net Income $273.6M +6.1% YoY
EPS (Diluted) $3.65 +7.0% YoY
Operating Cash Flow $371.6M +1.6% YoY
Market Cap $3.2B as of Sep 10, 2026
Price / Sales 2.9x on $1.1B revenue, trailing 12 months to June 30, 2026
Price / Earnings 11.8x on $273.6M net income, trailing 12 months to June 30, 2026
Price / Book 1.1x on $3.0B equity, Q2 FY2026

A multiple compares the market's price with a filed figure; it says what the market pays, not how the business is doing. The market capitalization is the vendor's as of Sep 10, 2026; every other figure is from the SEC filings on this page. Not financial advice.

Source SEC Filings (10-K/10-Q) Latest period Q2 FY2026, ended Jun 30, 2026 Reported Currency USD FYE December

Newest figures come from the 10-Q for Q2 FY2026, filed Aug 6, 2026. Each column of the statement tables below links to the filing it was taken from, and every filing is listed on the BKU SEC filings page.

Bankunited Inc (BKU) reported $1.1B in revenue over the twelve months to Jun 30, 2026, up 6.8% from the prior twelve months. This page shows its 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).

Rhea AI BKU FY2025

BankUnited’s earnings recovery is occurring alongside lower interest expense and a steadily less leveraged balance sheet.

Between FY2024 and FY2025, interest expense fell from $1.0B to $805M while revenue rose to $1.1B. Net income increased from $232M to $268M, indicating that funding costs are a major swing factor in reported profitability rather than revenue growth alone.

The asset base stayed near $35B while liabilities fell to $32.0B. Equity rose to $3.1B, bringing debt-to-equity down to 0.1x and showing a less debt-dependent balance-sheet structure.

Reported operating cash flow fell from $434M to $359M even as profitability recovered. That cash-flow divergence means the earnings improvement was not matched by operating cash generation, suggesting balance-sheet movements remain important to the bank’s cash profile.

[ NOT FINANCIAL ADVICE ]

Financial Health Signals

Earnings Growth Capital Efficiency CreditQuality Stability 33 / 100
Financial Health Score 33/100
Scored as: Banks peer group

Scored against banks for FY2025. Each of the six dimensions is a percentile rank within that peer group; the overall is their average, with missing dimensions counted as zero out of six. A high score means strong standing among peers, not absolute cross-industry strength. How this score is calculated →

Health score ≠ stock price. This rates the quality of Bankunited Inc's business: profitability, growth, balance sheet strength. It doesn't tell you whether the stock is a good buy at today's price. Not financial advice. Use it alongside valuation analysis and your own research.

Earnings
34

Bankunited Inc earned a return on assets of 0.8% in fiscal year 2025, which is the profit it made on every dollar of assets on its books. This is up from 0.7% the prior year. Earnings ranks banks on that return over three years, and Bankunited Inc scores 34/100 among other banks.

Growth
44

Bankunited Inc reported revenue of $1.1B in fiscal year 2025, against $1.0B in fiscal year 2024. Growth ranks banks on the three-year path of their net revenue, which is interest income and fee income less the interest they pay out, and Bankunited Inc scores 44/100 among other banks.

Capital
16

Bankunited Inc funded 8.7% of its assets with shareholders' equity at the end of fiscal year 2025, holding $3.1B of equity against $35.0B of assets. Capital ranks banks on that cushion, and Bankunited Inc scores 16/100 among other banks.

Efficiency
54

Efficiency measures what a bank spends running itself against the revenue that spending brings in, so a lower ratio is the better one. Bankunited Inc scores 54/100 on it among other banks.

Credit Quality
0

Not available for Bankunited Inc, and counted as zero in the overall score.

Stability
48

Bankunited Inc reported net income of $268.4M in fiscal year 2025, against $232.5M in fiscal year 2024. Stability ranks banks on how steady net income has been across five years, and Bankunited Inc scores 48/100 among other banks.

Piotroski F-Score Partial
7/7

Bankunited Inc passes 7 of 7 computable financial strength tests (2 of the nine could not be computed from available data). All 4 profitability signals pass (positive income, cash flow, and earnings quality), all 2 leverage/liquidity signals pass, both operating efficiency signals pass.

Earnings Quality Cash-Backed
1.34x

For every $1 of reported earnings, Bankunited Inc generates $1.34 in operating cash flow ($358.6M OCF vs $268.4M net income). This indicates profits are well-supported by actual cash generation, not accounting adjustments.

Key Financial Metrics

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Earnings & Revenue

Revenue
$284.6M
YoY+3.9%
QoQ+4.0%
5Y CAGR+4.3%
10Y CAGR+1.6%

Bankunited Inc generated $284.6M in revenue in Q2 2026. This represents an increase of 3.9% from the same quarter a year earlier. Against the prior quarter it is up 4.0%.

Net Income
$70.7M
YoY+2.8%
QoQ+14.2%
5Y CAGR-7.4%
10Y CAGR+2.2%

Bankunited Inc reported $70.7M in net income in Q2 2026. This represents an increase of 2.8% from the same quarter a year earlier. Against the prior quarter it is up 14.2%.

EPS (Diluted)
$0.97
YoY+6.6%
QoQ+16.9%
5Y CAGR-2.7%
10Y CAGR+6.4%

Bankunited Inc earned $0.97 per diluted share (EPS) in Q2 2026. This represents an increase of 6.6% from the same quarter a year earlier. Against the prior quarter it is up 16.9%.

EBITDA

Not reported for Q2 2026.

Cash & Balance Sheet

Cash & Debt
$367.9M
YoY-54.1%
QoQ-4.4%
5Y CAGR-16.3%
10Y CAGR+0.2%

Bankunited Inc held $367.9M in cash against $318.9M in long-term debt as of Q2 2026.

Dividends Per Share
$0.33
YoY+6.5%
QoQ0.0%
5Y CAGR+7.5%
10Y CAGR+4.6%

Bankunited Inc paid $0.33 per share in dividends in Q2 2026. This represents an increase of 6.5% from the same quarter a year earlier. It is unchanged from the prior quarter.

Shares Outstanding
71M
YoY-5.3%
QoQ-2.0%
5Y CAGR-5.2%
10Y CAGR-3.7%

Bankunited Inc had 71M shares outstanding in Q2 2026. This represents a decrease of 5.3% from the same quarter a year earlier. Against the prior quarter it is down 2.0%.

Free Cash Flow

Not reported for Q2 2026.

Margins & Returns

Net Margin
24.8%
YoY-0.3pp
QoQ+2.2pp
5Y CAGR-20.2pp
10Y CAGR+1.5pp

Bankunited Inc's net profit margin was 24.8% in Q2 2026, showing the share of revenue converted to profit. This is down 0.3 percentage points from the same quarter a year earlier. Against the prior quarter it is up 2.2 percentage points.

Return on Equity
2.4%
YoY0.0pp
QoQ+0.3pp
5Y CAGR-0.9pp
10Y CAGR-0.1pp

Bankunited Inc's ROE was 2.4% in Q2 2026, measuring profit generated per dollar of shareholder equity. That is unchanged from the same quarter a year earlier. Against the prior quarter it is up 0.3 percentage points.

Gross Margin

Not reported for Q2 2026.

Operating Margin

Not reported for Q2 2026.

Capital Allocation

Share Buybacks
$50.6M
QoQ-15.5%

Bankunited Inc spent $50.6M on share buybacks in Q2 2026, returning capital to shareholders by reducing shares outstanding. Against the prior quarter it is down 15.5%.

R&D Spending

Not reported for Q2 2026.

Capital Expenditures

Not reported for Q2 2026.

BKU Income Statement

Figures in USD, abbreviated K (thousand), M (million), B (billion), T (trillion). Negative values carry a minus sign and red type. Each change compares the year with the year before it, and each quarter with the same quarter a year earlier.

BKU quarterly income statement
MetricQ2'2610-QQ1'2610-QQ4'2510-KQ3'2510-KQ2'2510-QQ1'2510-QQ4'2410-KQ3'2410-K
Revenue$284.6M+3.9%$273.7M+7.2%$288.2M+9.0%$275.7M+7.3%$273.9M+9.5%$255.4M+5.7%$264.5M+12.9%$257.0M+6.0%
SG&A Expenses$89.4M+7.6%$96.7M+16.9%$172.8M+7.7%$85.2M+4.2%$83.2M+10.0%$82.7M+9.0%$160.5M-15.9%$81.8M+18.8%
Interest Expense$171.2M-17.6%$173.2M-17.7%$184.2M-19.5%$202.8M-21.5%$207.7M-19.3%$210.6M-21.0%$228.7M-14.0%$258.2M+1.0%
Income Tax$23.7M-5.7%$19.9M-8.0%$20.6M-13.1%$26.1M+20.0%$25.1M+30.7%$21.6M+12.3%$23.7M+602.1%$21.7M+40.7%
Net Income$70.7M+2.8%$61.9M+5.8%$69.3M-0.1%$71.9M+16.9%$68.8M+28.0%$58.5M+21.9%$69.3M+233.0%$61.5M+30.8%
EPS (Basic)$0.97+6.6%$0.83+6.4%$0.91-1.1%$0.96+17.1%$0.91+26.4%$0.78+21.9%$0.92+240.7%$0.82+30.2%
EPS (Diluted)$0.97+6.6%$0.83+6.4%$0.90-1.1%$0.95+17.3%$0.91+26.4%$0.78+21.9%$0.91+237.0%$0.81+28.6%
Diluted Shares (Avg)72M-3.8%74M-0.7%N/A75M+0.4%75M+0.8%74M+1.0%N/A74M+1.0%

Not reported in any period shown, so not listed: Cost of Revenue, Gross Profit, R&D Expenses, Operating Income, EBITDA.

BKU Balance Sheet

Figures in USD, abbreviated K (thousand), M (million), B (billion), T (trillion). Negative values carry a minus sign and red type. Each change compares the year with the year before it, and each quarter with the same quarter a year earlier.

BKU quarterly balance sheet
MetricQ2'2610-QQ1'2610-QQ4'2510-KQ3'2510-KQ2'2510-QQ1'2510-QQ4'2410-KQ3'2410-K
Total Assets$34.9B-1.6%$35.4B+1.5%$35.0B-0.6%$35.1B-2.0%$35.5B+0.1%$34.8B-0.8%$35.2B-1.5%$35.8B+1.1%
Cash & Equivalents$367.9M-54.1%$384.9M-13.3%$217.8M-55.7%$559.5M-37.1%$801.3M+84.9%$443.7M+5.3%$491.1M-16.5%$889.9M+127.1%
Short-Term Investments$0$0$0$0$0$0$0$0
Long-Term Investments$0$0$0$0$0$0$0$0
Total Liabilities$31.9B-1.9%$32.3B+1.3%$32.0B-1.4%$32.0B-2.8%$32.5B-0.7%$31.9B-1.6%$32.4B-2.3%$33.0B+0.3%
Long-Term Debt$318.9M-55.0%$319.3M-55.0%$319.7M-54.9%$320.4M-54.8%$708.9M0.0%$709.1M0.0%$708.6M-0.1%$708.7M-0.9%
Total Equity$3.0B+1.7%$3.0B+4.1%$3.1B+8.5%$3.0B+8.0%$3.0B+9.4%$2.9B+9.7%$2.8B+9.2%$2.8B+11.2%
Retained Earnings$3.1B+6.2%$3.0B+6.2%$3.0B+6.2%$2.9B+6.4%$2.9B+6.2%$2.8B+5.8%$2.8B+5.5%$2.7B+3.7%

Not reported in any period shown, so not listed: Current Assets, Inventory, Accounts Receivable, Goodwill, Current Liabilities, Non-Current Liabilities.

BKU Cash Flow Statement

Figures in USD, abbreviated K (thousand), M (million), B (billion), T (trillion). Negative values carry a minus sign and red type. Each change compares the year with the year before it, and each quarter with the same quarter a year earlier.

BKU quarterly cash flow statement
MetricQ2'2610-QQ1'2610-QQ4'2510-KQ3'2510-KQ2'2510-QQ1'2510-QQ4'2410-KQ3'2410-K
Operating Cash Flow$128.6M+9.4%$18.3M+11.8%$124.9M-32.7%$99.7M+116.5%$117.6M-13.3%$16.4M-75.3%$185.5M+190.9%$46.1M-72.9%
Depreciation & Amortization$11.1M-15.9%$8.7M-38.0%$11.1M-19.4%$12.6M-28.1%$13.2M+14.2%$14.1M-18.2%$13.8M-19.0%$17.5M-6.9%
Stock-Based CompensationN/A$5.7M+9.6%N/AN/AN/A$5.2M-12.0%N/AN/A
Investing Cash Flow$260.3M+239.7%$10.4M-96.2%-$552.9M-527.4%$253.0M+1207.9%-$186.4M+17.7%$271.9M-44.2%$129.3M+176.7%$19.3M-95.8%
Financing Cash Flow-$406.0M-195.2%$138.4M+141.2%$86.2M+112.1%-$594.5M-252.0%$426.4M+313.9%-$335.6M+53.5%-$713.6M-336.9%$391.0M+172.7%
Dividends Paid$24.3M+4.6%$24.1M+8.6%$23.3M+7.6%$23.3M+7.6%$23.2M+7.6%$22.2M+7.1%$21.6M+7.9%$21.6M+7.9%
Share Buybacks$50.6M$60.0MN/AN/A$0$0$0$0

Not reported in any period shown, so not listed: Capital Expenditures, Free Cash Flow.

BKU Financial Ratios

Margins and returns are percentages; the remaining ratios are unitless multiples. Each change compares the year with the year before it, and each quarter with the same quarter a year earlier.

BKU quarterly financial ratios
MetricQ2'2610-QQ1'2610-QQ4'2510-KQ3'2510-KQ2'2510-QQ1'2510-QQ4'2410-KQ3'2410-K
Net Margin24.8%-0.3pp22.6%-0.3pp24.0%-2.2pp26.1%+2.1pp25.1%+3.6pp22.9%+3.0pp26.2%+17.3pp23.9%+4.5pp
Return on Equity2.4%0.0pp2.1%0.0pp2.3%-0.2pp2.4%+0.2pp2.3%+0.3pp2.0%+0.2pp2.5%+1.7pp2.2%+0.3pp
Return on Assets0.2%0.0pp0.2%0.0pp0.2%0.0pp0.2%0.0pp0.2%0.0pp0.2%0.0pp0.2%+0.1pp0.2%0.0pp
Debt-to-Equity0.11-0.1x0.11-0.1x0.10-0.1x0.11-0.1x0.240.0x0.240.0x0.250.0x0.250.0x
Asset Turnover0.010.0x0.010.0x0.010.0x0.010.0x0.010.0x0.010.0x0.010.0x0.010.0x

Not reported in any period shown, so not listed: Gross Margin, Operating Margin, Current Ratio, FCF Margin.

Similar Companies

Newest fiscal year on record for each company. The health score is the peer-relative Financial Health Score for that year; a dash means no score is published for it.

Company Fiscal year Revenue Net income Net margin Market cap Health score
Bankunited Inc BKU FY2025 $1.1B $268.4M 24.6% $3.2B 33/100
Park National PRK FY2025 $664.4M $180.1M 27.1% $3.4B 77/100
First Interstate Bancsystem FIBK FY2025 $1.1B $302.1M 28.5% $3.5B 55/100
Community Financial System Inc CBU FY2025 $823.0M $210.5M 25.6% $3.3B 58/100

Frequently Asked Questions

What is Bankunited Inc's annual revenue?

Bankunited Inc (BKU) reported $1.1B in total revenue for fiscal year 2025. This represents a 7.9% 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 grew by 7.9% year-over-year, from $1.0B to $1.1B in fiscal year 2025.

Is Bankunited Inc profitable?

Yes, Bankunited Inc (BKU) reported a net income of $268.4M in fiscal year 2025, with a net profit margin of 24.6%.

Bankunited Inc (BKU) reported diluted earnings per share of $3.53 for fiscal year 2025. This represents a 14.6% 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.

As of fiscal year 2025, Bankunited Inc (BKU) had $217.8M in cash and equivalents against $319.7M in long-term debt.

Bankunited Inc (BKU) had a net profit margin of 24.6% in fiscal year 2025, representing the share of revenue converted into profit after all expenses.

Yes, Bankunited Inc (BKU) paid $1.24 per share in dividends during fiscal year 2025.

Bankunited Inc (BKU) has a return on equity of 8.8% for fiscal year 2025, measuring how efficiently the company generates profit from shareholder equity.

Bankunited Inc (BKU) generated $358.6M in operating cash flow during fiscal year 2025, representing cash generated from core business activities.

Bankunited Inc (BKU) had $35.0B in total assets as of fiscal year 2025, including both current and long-term assets.

Yes, Bankunited Inc (BKU) spent $44.8M on share buybacks during fiscal year 2025, returning capital to shareholders by reducing shares outstanding.

Bankunited Inc (BKU) had 74M shares outstanding as of fiscal year 2025.

Bankunited Inc (BKU) had a debt-to-equity ratio of 0.10 as of fiscal year 2025, measuring the company's financial leverage by comparing total debt to shareholder equity.

Bankunited Inc (BKU) had a return on assets of 0.8% for fiscal year 2025, measuring how efficiently the company uses its assets to generate profit.

Bankunited Inc (BKU) trades at 11.8x earnings, its market capitalization divided by net income of $273.6M net income, trailing 12 months to June 30, 2026. The market capitalization is $3.2B as of Sep 10, 2026; a multiple compares that price with a filed figure and says nothing about the quality of the business.

Bankunited Inc (BKU) trades at 2.9x sales, its market capitalization divided by revenue of $1.1B revenue, trailing 12 months to June 30, 2026. The market capitalization is $3.2B as of Sep 10, 2026; a multiple compares that price with a filed figure and says nothing about the quality of the business.

Bankunited Inc (BKU) has a Piotroski F-Score of 7 out of 7 computable signals; 2 of the nine could not be computed from available data, so the full-scale strength rating is not shown. 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 to 9 indicate strong and improving fundamentals. Learn more in our complete guide to financial health indicators.

Bankunited Inc (BKU) has an earnings quality ratio of 1.34x, 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.

Bankunited Inc (BKU) scores 33 out of 100 on our Financial Health Score, indicating weak standing within its banks peer group. The score is a 0-100 composite of six dimensions (Earnings, Growth, Capital, Efficiency, Credit Quality, Stability), each ranked as a percentile relative to companies in the same scoring family (banks against banks, REITs against REITs, and so on) rather than across all industries. It rates the quality of the business, not whether the stock is fairly priced, and is not financial advice. Learn more in our complete guide to financial health indicators.

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