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Upturn AI SWOT - About
BKU 
BankUnited Inc (BKU)
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Upturn Advisory Summary
09/15/2025: BKU (1-star) has a low Upturn Star Rating. Not recommended to BUY.
Upturn Star Rating
Not Recommended Performance
These Stocks/ETFs, based on Upturn Advisory, consistently fall short of market performance, signaling caution before investing.
Number of Analysts
10 Analysts rated it
Moderately tracked stock, growing coverage, gaining market and investor attention.
1 Year Target Price $43.14
1 Year Target Price $43.14
| 2 | Strong Buy |
| 1 | Buy |
| 6 | Hold |
| 1 | Sell |
| 0 | Strong Sell |
Analysis of Past Performance
Type Stock | Historic Profit 14.69% | Avg. Invested days 36 | Today’s Advisory Consider higher Upturn Star rating |
Upturn Star Rating | Upturn Advisory Performance  3.0 | Stock Returns Performance  2.0 |
| Profits based on simulation | Last Close 09/15/2025 |
Key Highlights
Company Size Mid-Cap Stock | Market Capitalization 2.96B USD | Price to earnings Ratio 11.56 | 1Y Target Price 43.14 |
Price to earnings Ratio 11.56 | 1Y Target Price 43.14 | ||
Volume (30-day avg) 10 | Beta 1.3 | 52 Weeks Range 27.69 - 43.28 | Updated Date 09/14/2025 |
52 Weeks Range 27.69 - 43.28 | Updated Date 09/14/2025 | ||
Dividends yield (FY) 3.05% | Basic EPS (TTM) 3.4 |
Earnings Date
Report Date - | When - | Estimate - | Actual - |
Profitability
Profit Margin 25.81% | Operating Margin (TTM) 39.07% |
Management Effectiveness
Return on Assets (TTM) 0.73% | Return on Equity (TTM) 9.13% |
Valuation
Trailing PE 11.56 | Forward PE 10.35 | Enterprise Value 5113474048 | Price to Sales(TTM) 2.96 |
Enterprise Value 5113474048 | Price to Sales(TTM) 2.96 | ||
Enterprise Value to Revenue 5.63 | Enterprise Value to EBITDA - | Shares Outstanding 75212800 | Shares Floating 74510286 |
Shares Outstanding 75212800 | Shares Floating 74510286 | ||
Percent Insiders 0.94 | Percent Institutions 106.09 |
Upturn AI SWOT
BankUnited Inc
Company Overview
History and Background
BankUnited, Inc. was founded in 2009 after the acquisition of BankUnited, FSB, by a group of investors. The original BankUnited failed during the 2008 financial crisis. The new BankUnited focused on rebuilding its reputation and expanding its services.
Core Business Areas
- Commercial Banking: Offers a range of loan and deposit products, treasury management services, and commercial real estate financing.
- Retail Banking: Provides traditional retail banking services, including checking and savings accounts, mortgages, and personal loans.
- Wealth Management: Offers wealth management and investment advisory services to high-net-worth individuals and families.
Leadership and Structure
Rajinder P. Singh serves as Chairman, President and CEO. The organizational structure includes various executive management roles overseeing key business lines and support functions.
Top Products and Market Share
Key Offerings
- Commercial Real Estate Loans: BankUnited offers a variety of commercial real estate loan products. Market share data is difficult to pinpoint precisely but BankUnited is considered a player in the regional market. Competitors include larger national banks such as JPMorgan Chase, Wells Fargo and other regional banks such as Regions Financial.
- Commercial and Industrial Loans: Provides loans for businesses, including working capital and equipment financing. Market share data is not readily available but represents a substantial component of their revenue. Competitors include Bank of America and Truist Financial.
- Mortgages: Offers mortgages to retail customers. Market share is highly competitive. Competitors include Rocket Mortgage, UWM and other national and regional banks.
Market Dynamics
Industry Overview
The banking industry is currently characterized by increasing interest rates, regulatory scrutiny, and technological advancements like fintech. Competition is fierce among traditional banks, credit unions, and online-only banks.
Positioning
BankUnited positions itself as a relationship-focused bank catering to commercial and retail customers in Florida and New York metropolitan area. They aim to differentiate themselves through personalized service and local expertise.
Total Addressable Market (TAM)
The TAM for banking services in the regions BankUnited operates is in the hundreds of billions of dollars. BankUnited is well-positioned to capture a portion of this TAM through its branch network, online offerings, and customer relationships.
Upturn SWOT Analysis
Strengths
- Strong presence in Florida and New York metropolitan area
- Experienced management team
- Relationship-focused banking model
- Solid deposit base
Weaknesses
- Geographic concentration makes them susceptible to regional economic downturns
- Smaller scale compared to larger national banks
- Reliance on interest income
- Limited diversification outside banking sector
Opportunities
- Expansion into new markets within the Southeast
- Increased adoption of digital banking technologies
- Growth in wealth management services
- Capitalizing on opportunities from competitor consolidation
Threats
- Rising interest rates impacting loan demand
- Increased competition from online lenders and fintech companies
- Regulatory changes and compliance costs
- Economic downturns in key markets
Competitors and Market Share
Key Competitors
- JPM
- BAC
- WFC
- RF
- KEY
Competitive Landscape
BankUnitedu2019s advantage lies in its regional focus and customer service. However, it faces disadvantages against larger banks with more resources and broader service offerings.
Growth Trajectory and Initiatives
Historical Growth: Discuss BankUnited Inc's growth trends over the past years.
Future Projections: Provide projections for BankUnited Inc's future growth based on analyst estimates.
Recent Initiatives: Highlight recent strategic initiatives undertaken by BankUnited Inc.
Summary
BankUnited is a regional bank with a strong presence in Florida and New York. Its relationship-focused approach is a key strength, but it faces competition from larger national banks and digital lenders. They should be mindful of rising interest rates and regional economic downturns while looking into further expansion.
Peer Comparison
Sources and Disclaimers
Data Sources:
- Company filings
- Third-party financial data providers
- Industry reports
Disclaimers:
The information provided is for informational purposes only and does not constitute financial advice. Investment decisions should be based on thorough research and consultation with a qualified financial advisor.
AI Summarization is directionally correct and might not be accurate.
Summarized information shown could be a few years old and not current.
Fundamental Rating based on AI could be based on old data.
AI-generated summaries may have inaccuracies (hallucinations). Please verify the information before taking action.
About BankUnited Inc
Exchange NYSE | Headquaters Miami Lakes, FL, United States | ||
IPO Launch date 2011-01-28 | Chairman, President & CEO Mr. Rajinder P. Singh | ||
Sector Financial Services | Industry Banks - Regional | Full time employees 1662 | Website https://www.bankunited.com |
Full time employees 1662 | Website https://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, commercial loans, 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. The company offers loan servicing and deposit transaction processing systems, cloud-based data storage, electronic funds transfer transaction processing, cash management, online banking services, ERP systems and computer and networking infrastructure. It operates through a network of banking centers located in Florida counties and the New York metropolitan area, as well as Dallas, Texas. The company was formerly known as BU Financial Corporation. BankUnited, Inc. was incorporated in 2009 and is headquartered in Miami Lakes, Florida.
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