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

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.

Bankunited Inc Financials

BKU

Source SEC Filings (10-K/10-Q) Data as of Mar 31, 2026 Currency USD FYE December

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).

Rhea AI BKU FY2025 2026-05-07

BankUnited’s earnings rebound reflects lower funding costs and active deleveraging more than growth in its balance sheet.

From FY2023 to FY2025, net income rose from $179M to $268M even though total assets did not expand. Interest expense dropped to about $805M from $984M while SG&A kept rising, so the earnings rebound came from relief in funding costs and leverage rather than from scale.

The balance sheet is carrying more of the business with equity and less with borrowed capital: long-term debt fell to $297M from $682M by FY2025. With retained earnings still building, debt-to-equity dropped to 0.1x from 0.3x, which means a slightly smaller asset base now sits on a thicker capital cushion.

The return profile has recovered, with ROA improving to 0.8% from 0.5% since FY2023. But that is still below roughly 1.2% in FY2021, and with SG&A up to $341M, the bank has healed from its trough without yet matching its earlier efficiency.

Financial Health Signals

Financial Health Score 31/100

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

Growth

Capital

Efficiency

Stability

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

$21.7M

YoY+7.4%

5Y CAGR+5.7%

10Y CAGR-30.1%

Bankunited Inc generated $21.7M in revenue in fiscal year 2025. This represents an increase of 7.4% from the prior year.

EBITDA

N/A

Net Income

$268.4M

YoY+15.4%

5Y CAGR+6.3%

10Y CAGR+2.8%

Bankunited Inc reported $268.4M in net income in fiscal year 2025. This represents an increase of 15.4% from the prior year.

EPS (Diluted)

$3.53

YoY+14.6%

5Y CAGR+11.4%

10Y CAGR+6.1%

Bankunited Inc earned $3.53 per diluted share (EPS) in fiscal year 2025. This represents an increase of 14.6% from the prior year.

Cash & Balance Sheet

Free Cash Flow

N/A

Cash & Debt

$217.8M

YoY-55.7%

5Y CAGR-11.3%

10Y CAGR+1.5%

Bankunited Inc held $217.8M in cash against $296.9M in long-term debt as of fiscal year 2025.

Dividends Per Share

$1.24

YoY+6.9%

5Y CAGR+6.2%

10Y CAGR+4.0%

Bankunited Inc paid $1.24 per share in dividends in fiscal year 2025. This represents an increase of 6.9% from the prior year.

Shares Outstanding

74M

YoY-0.8%

5Y CAGR-4.4%

10Y CAGR-3.1%

Bankunited Inc had 74M shares outstanding in fiscal year 2025. This represents a decrease of 0.8% from the prior year.

Margins & Returns

Gross Margin

N/A

Operating Margin

N/A

Net Margin

1234.8%

YoY+85.5pp

5Y CAGR+35.4pp

10Y CAGR+1208.8pp

Bankunited Inc's net profit margin was 1234.8% in fiscal year 2025, showing the share of revenue converted to profit. This is up 85.5 percentage points from the prior year.

Return on Equity

8.8%

YoY+0.5pp

5Y CAGR+2.2pp

10Y CAGR-1.2pp

Bankunited Inc's ROE was 8.8% in fiscal year 2025, measuring profit generated per dollar of shareholder equity. This is up 0.5 percentage points from the prior year.

Capital Allocation

R&D Spending

N/A

Share Buybacks

$44.8M

5Y CAGR-15.0%

Bankunited Inc spent $44.8M on share buybacks in fiscal year 2025, returning capital to shareholders by reducing shares outstanding.

Capital Expenditures

N/A

BKU Income Statement

Metric	FY25	FY24	FY23	FY22	FY21	FY20
Revenue	$21.7M+7.4%	$20.2M-3.3%	$20.9M-7.1%	$22.5M+3.8%	$21.7M+31.5%	$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	$341.0M+8.1%	$315.6M+12.4%	$280.7M+5.7%	$265.5M+9.0%	$243.5M+12.1%	$217.2M
Operating Income	N/A	N/A	N/A	N/A	N/A	N/A
Interest Expense	$805.2M-20.3%	$1.0B+2.8%	$983.8M+209.9%	$317.5M+93.9%	$163.8M-48.2%	$315.9M
Income Tax	$93.4M+11.3%	$83.9M+43.6%	$58.4M-35.2%	$90.2M+162.1%	$34.4M-33.2%	$51.5M
Net Income	$268.4M+15.4%	$232.5M+30.1%	$178.7M-37.3%	$285.0M-31.3%	$415.0M+109.7%	$197.9M
EPS (Diluted)	$3.53+14.6%	$3.08+29.4%	$2.38-32.8%	$3.54-21.7%	$4.52+119.4%	$2.06

Metric	Q1'26	Q4'25	Q3'25	Q2'25	Q1'25	Q4'24	Q3'24	Q2'24
Revenue	$6.2M-98.6%	$442.4M+8112.4%	$5.4M+1.2%	$5.3M+1.7%	$5.2M-98.9%	$468.0M+9229.9%	$5.0M+2.2%	$4.9M
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	$96.7M-44.0%	$172.8M+102.8%	$85.2M+2.5%	$83.2M+0.5%	$82.7M-48.4%	$160.5M+96.2%	$81.8M+8.2%	$75.6M
Operating Income	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Interest Expense	$173.2M-6.0%	$184.2M-9.2%	$202.8M-2.3%	$207.7M-1.4%	$210.6M-7.9%	$228.7M-11.4%	$258.2M+0.4%	$257.3M
Income Tax	$19.9M-3.5%	$20.6M-21.1%	$26.1M+3.8%	$25.1M+16.4%	$21.6M-8.8%	$23.7M+9.0%	$21.7M+13.0%	$19.2M
Net Income	$61.9M-10.7%	$69.3M-3.6%	$71.9M+4.5%	$68.8M+17.6%	$58.5M-15.6%	$69.3M+12.8%	$61.5M+14.4%	$53.7M
EPS (Diluted)	$0.83-7.8%	$0.90-5.3%	$0.95+4.4%	$0.91+16.7%	$0.78-14.3%	$0.91+12.3%	$0.81+12.5%	$0.72

BKU Balance Sheet

Metric	FY25	FY24	FY23	FY22	FY21	FY20
Total Assets	$35.0B-0.6%	$35.2B-1.5%	$35.8B-3.4%	$37.0B+3.4%	$35.8B+2.3%	$35.0B
Current Assets	N/A	N/A	N/A	N/A	N/A	N/A
Cash & Equivalents	$217.8M-55.7%	$491.1M-16.5%	$588.3M+2.7%	$572.6M+81.9%	$314.9M-20.8%	$397.7M
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	N/A
Total Liabilities	$32.0B-1.4%	$32.4B-2.3%	$33.2B-4.1%	$34.6B+5.5%	$32.8B+2.3%	$32.0B
Current Liabilities	N/A	N/A	N/A	N/A	N/A	N/A
Long-Term Debt	$296.9M-56.6%	$683.9M+0.2%	$682.5M-1.5%	$692.5M+0.2%	$691.2M+0.2%	$689.9M
Total Equity	$3.1B+8.5%	$2.8B+9.2%	$2.6B+5.8%	$2.4B-19.8%	$3.0B+1.8%	$3.0B
Retained Earnings	$3.0B+6.2%	$2.8B+5.5%	$2.7B+3.9%	$2.6B+8.8%	$2.3B+16.5%	$2.0B

Metric	Q1'26	Q4'25	Q3'25	Q2'25	Q1'25	Q4'24	Q3'24	Q2'24
Total Assets	$35.4B+0.9%	$35.0B-0.1%	$35.1B-1.1%	$35.5B+1.8%	$34.8B-1.2%	$35.2B-1.5%	$35.8B+1.0%	$35.4B
Current Assets	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Cash & Equivalents	$384.9M+76.8%	$217.8M-61.1%	$559.5M-30.2%	$801.3M+80.6%	$443.7M-9.6%	$491.1M-44.8%	$889.9M+105.3%	$433.5M
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	$32.3B+1.1%	$32.0B-0.2%	$32.0B-1.4%	$32.5B+1.8%	$31.9B-1.5%	$32.4B-1.7%	$33.0B+0.8%	$32.7B
Current Liabilities	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Long-Term Debt	$319.3M+7.6%	$296.9M+0.1%	$296.7M-58.1%	$708.9M0.0%	$709.1M+3.7%	$683.9M-3.5%	$708.7M0.0%	$708.8M
Total Equity	$3.0B-1.3%	$3.1B+0.7%	$3.0B+2.7%	$3.0B+1.9%	$2.9B+3.0%	$2.8B+0.2%	$2.8B+4.0%	$2.7B
Retained Earnings	$3.0B+1.3%	$3.0B+1.5%	$2.9B+1.7%	$2.9B+1.6%	$2.8B+1.3%	$2.8B+1.7%	$2.7B+1.5%	$2.7B

BKU Cash Flow Statement

Metric	FY25	FY24	FY23	FY22	FY21	FY20
Operating Cash Flow	$358.6M-17.3%	$433.8M-34.0%	$657.5M-49.2%	$1.3B+6.0%	$1.2B+41.2%	$864.2M
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	-$214.4M-152.3%	$409.7M-58.2%	$980.6M+146.2%	-$2.1B-29.5%	-$1.6B+37.5%	-$2.6B
Financing Cash Flow	-$417.5M+55.6%	-$940.7M+42.0%	-$1.6B-249.6%	$1.1B+223.8%	$334.9M-82.7%	$1.9B
Dividends Paid	$91.9M+7.5%	$85.5M+8.1%	$79.1M-0.4%	$79.4M-7.4%	$85.8M-0.8%	$86.5M
Share Buybacks	$44.8M	$0-100.0%	$55.2M-86.3%	$401.3M+26.0%	$318.5M+215.4%	$101.0M

Metric	Q1'26	Q4'25	Q3'25	Q2'25	Q1'25	Q4'24	Q3'24	Q2'24
Operating Cash Flow	$18.3M-85.3%	$124.9M+25.2%	$99.7M-15.2%	$117.6M+617.1%	$16.4M-91.2%	$185.5M+302.8%	$46.1M-66.0%	$135.7M
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	$10.4M+101.9%	-$552.9M-318.5%	$253.0M+235.7%	-$186.4M-168.6%	$271.9M+110.2%	$129.3M+568.7%	$19.3M+108.5%	-$226.5M
Financing Cash Flow	$138.4M+60.5%	$86.2M+114.5%	-$594.5M-239.4%	$426.4M+227.0%	-$335.6M+53.0%	-$713.6M-282.5%	$391.0M+279.6%	$103.0M
Dividends Paid	$24.1M+3.4%	$23.3M0.0%	$23.3M+0.4%	$23.2M+4.5%	$22.2M+2.5%	$21.6M0.0%	$21.6M+0.5%	$21.5M
Share Buybacks	$60.0M	N/A	N/A	N/A	$0	$0	$0	$0

BKU Financial Ratios

Metric	FY25	FY24	FY23	FY22	FY21	FY20
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	1234.8%+85.5pp	1149.3%+294.7pp	854.6%-411.3pp	1266.0%-647.7pp	1913.7%+714.3pp	1199.4%
Return on Equity	8.8%+0.5pp	8.3%+1.3pp	6.9%-4.8pp	11.7%-2.0pp	13.7%+7.0pp	6.6%
Return on Assets	0.8%+0.1pp	0.7%+0.2pp	0.5%-0.3pp	0.8%-0.4pp	1.2%+0.6pp	0.6%
Current Ratio	N/A	N/A	N/A	N/A	N/A	N/A
Debt-to-Equity	0.10-0.1	0.24-0.0	0.26-0.0	0.28+0.1	0.230.0	0.23
FCF Margin	N/A	N/A	N/A	N/A	N/A	N/A

Metric	Q1'26	Q4'25	Q3'25	Q2'25	Q1'25	Q4'24	Q3'24	Q2'24
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	994.9%+979.3pp	15.7%-1318.1pp	1333.8%+41.9pp	1291.9%+174.8pp	1117.0%+1102.2pp	14.8%-1210.3pp	1225.1%+130.5pp	1094.6%
Return on Equity	2.1%-0.2pp	2.3%-0.1pp	2.4%+0.0pp	2.3%+0.3pp	2.0%-0.4pp	2.5%+0.3pp	2.2%+0.2pp	2.0%
Return on Assets	0.2%-0.0pp	0.2%0.0pp	0.2%+0.0pp	0.2%+0.0pp	0.2%-0.0pp	0.2%+0.0pp	0.2%+0.0pp	0.1%
Current Ratio	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Debt-to-Equity	0.110.0	0.100.0	0.10-0.1	0.240.0	0.240.0	0.240.0	0.25-0.0	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 $21.7M in total revenue for fiscal year 2025. This represents a 7.4% 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 7.4% year-over-year, from $20.2M to $21.7M 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 1234.8%.

How much debt does Bankunited Inc have?

As of fiscal year 2025, Bankunited Inc (BKU) had $217.8M in cash and equivalents against $296.9M in long-term debt.

What is Bankunited Inc's net profit margin?

Bankunited Inc (BKU) had a net profit margin of 1234.8% in fiscal year 2025, representing the share of revenue converted into profit after all expenses.

Does Bankunited Inc pay dividends?

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

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

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.

What is Bankunited Inc's operating cash flow?

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

What are Bankunited Inc's total assets?

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

Does Bankunited Inc buy back shares?

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

How many shares does Bankunited Inc have outstanding?

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

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

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.

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

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.

What is Bankunited Inc's Piotroski F-Score?

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.

Are Bankunited Inc's earnings high quality?

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.

How financially healthy is Bankunited Inc?

Bankunited Inc (BKU) scores 31 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.