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Upturn AI SWOT - About
BKU 
BankUnited Inc (BKU)
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Upturn Advisory Summary
08/14/2025: BKU (1-star) is a SELL. SELL since 2 days. Profits (7.07%). Updated daily EoD!
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 $41.69
1 Year Target Price $41.69
| 2 | Strong Buy |
| 1 | Buy |
| 6 | Hold |
| 1 | Sell |
| 0 | Strong Sell |
Analysis of Past Performance
Type Stock | Historic Profit 16.78% | Avg. Invested days 40 | Today’s Advisory SELL |
Upturn Star Rating | Upturn Advisory Performance  3.0 | Stock Returns Performance  2.0 |
| Profits based on simulation | Last Close 08/14/2025 |
Key Highlights
Company Size Mid-Cap Stock | Market Capitalization 2.88B USD | Price to earnings Ratio 11.25 | 1Y Target Price 41.69 |
Price to earnings Ratio 11.25 | 1Y Target Price 41.69 | ||
Volume (30-day avg) 10 | Beta 1.32 | 52 Weeks Range 27.69 - 43.28 | Updated Date 08/14/2025 |
52 Weeks Range 27.69 - 43.28 | Updated Date 08/14/2025 | ||
Dividends yield (FY) 3.16% | Basic EPS (TTM) 3.4 |
Earnings Date
Report Date 2025-07-23 | When Before Market | Estimate 0.78 | Actual 0.91 |
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 11.25 | Forward PE 10.86 | Enterprise Value 5015697408 | Price to Sales(TTM) 2.88 |
Enterprise Value 5015697408 | Price to Sales(TTM) 2.88 | ||
Enterprise Value to Revenue 5.54 | Enterprise Value to EBITDA - | Shares Outstanding 75212800 | Shares Floating 74489226 |
Shares Outstanding 75212800 | Shares Floating 74489226 | ||
Percent Insiders 0.94 | Percent Institutions 102.89 |
Upturn AI SWOT
BankUnited Inc
Company Overview
History and Background
BankUnited, Inc. was founded in May 2009 to acquire the assets of the failed BankUnited, FSB. It quickly became one of Florida's largest banks. Headquartered in Miami Lakes, Florida, it operates primarily in Florida and the New York metropolitan area, providing a wide range of banking services.
Core Business Areas
- Commercial Banking: Offers lending, treasury management, and other financial services to businesses of various sizes.
- Retail Banking: Provides deposit accounts, loans, and other banking services to individual customers.
- Real Estate Lending: Offers financing for commercial and residential real estate projects.
Leadership and Structure
Rajinder P. Singh serves as Chairman, President, and Chief Executive Officer. The company has a board of directors overseeing strategic direction and management teams responsible for different business areas.
Top Products and Market Share
Key Offerings
- Commercial Loans: Loans to businesses for working capital, expansion, and other purposes. Difficult to ascertain exact market share but competes with national and regional banks. Competitors include Truist, Wells Fargo, and JPMorgan Chase.
- Deposit Accounts: Checking, savings, and money market accounts for individuals and businesses. Competes with all banks and credit unions. Market share varies geographically.
- Real Estate Financing: Loans for commercial and residential real estate projects. Competitors include insurance companies and private equity firms. Market share varies by property type and location.
Market Dynamics
Industry Overview
The banking industry is currently navigating rising interest rates, increased competition from fintech companies, and evolving regulatory landscape.
Positioning
BankUnited Inc. positions itself as a relationship-focused bank offering a comprehensive suite of services to businesses and individuals in its key markets. Competitive advantage lies in market expertise and customer service.
Total Addressable Market (TAM)
The TAM for banking services in Florida and the New York metropolitan area is in the hundreds of billions of dollars. BankUnited's market share allows for significant expansion. TAM is estimated $500 Billion. BankUnited Inc is well positioned to capitalize on this market.
Upturn SWOT Analysis
Strengths
- Strong presence in Florida and New York markets
- Experienced management team
- Solid capital base
- Focus on relationship banking
Weaknesses
- Concentrated geographic footprint
- Sensitivity to interest rate fluctuations
- Higher cost structure relative to larger institutions
- Limited product diversification compared to national banks
Opportunities
- Expansion into new markets within Florida and the Southeast
- Increased adoption of digital banking technologies
- Growth in commercial lending activity
- Strategic acquisitions of smaller banks or fintech companies
Threats
- Increased competition from national and regional banks
- Potential economic downturn impacting loan quality
- Rising interest rates reducing net interest margin
- Cybersecurity risks and data breaches
Competitors and Market Share
Key Competitors
- JPM
- BAC
- WFC
- KEY
Competitive Landscape
BankUnited Inc. faces intense competition from larger national banks with greater resources and brand recognition. Smaller regional banks and credit unions also compete for customers. BankUnited's strength lies in its personalized service and local market expertise.
Growth Trajectory and Initiatives
Historical Growth: Need to research up to date information
Future Projections: Analysts anticipate moderate growth for BankUnited Inc., driven by expansion in its core markets and increased lending activity. However, growth is dependent on overall economic conditions and interest rate environment.
Recent Initiatives: BankUnited Inc. has focused on expanding its digital banking capabilities and strengthening its relationships with commercial clients. Also expanding in key markets such as Florida
Summary
BankUnited is a regional bank with a solid presence in Florida and New York. Its focus on relationship banking is a key strength, but its concentrated geographic footprint and sensitivity to interest rates pose challenges. The company's growth prospects depend on expanding into new markets, adopting digital technologies, and managing credit risk effectively. Overall, it is a solid bank with growth potential but must carefully navigate the competitive landscape.
Peer Comparison
Sources and Disclaimers
Data Sources:
- SEC Filings
- Company Website
- Analyst Reports
- FDIC.gov
Disclaimers:
This analysis is for informational purposes only and should not be considered financial advice. Investment decisions should be based on individual research and consultation with a financial professional. Market share data is approximate and based on available public information.
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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