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Upturn AI SWOT - About
BKU 
BankUnited Inc (BKU)
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Upturn Advisory Summary
10/21/2025: BKU (1-star) is a SELL. SELL since 3 days. Simulated Profits (-6.33%). 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 $42.39
1 Year Target Price $42.39
| 2 | Strong Buy |
| 1 | Buy |
| 6 | Hold |
| 1 | Sell |
| 0 | Strong Sell |
Analysis of Past Performance
Type Stock | Historic Profit 5.14% | Avg. Invested days 39 | Today’s Advisory SELL |
Upturn Star Rating | Upturn Advisory Performance  3.0 | Stock Returns Performance  2.0 |
| Profits based on simulation | Last Close 10/21/2025 |
Key Highlights
Company Size Mid-Cap Stock | Market Capitalization 2.78B USD | Price to earnings Ratio 10.67 | 1Y Target Price 42.39 |
Price to earnings Ratio 10.67 | 1Y Target Price 42.39 | ||
Volume (30-day avg) 10 | Beta 1.28 | 52 Weeks Range 27.47 - 42.95 | Updated Date 10/20/2025 |
52 Weeks Range 27.47 - 42.95 | Updated Date 10/20/2025 | ||
Dividends yield (FY) 3.31% | Basic EPS (TTM) 3.46 |
Earnings Date
Report Date 2025-10-22 | When Before Market | Estimate 0.88 | 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 10.67 | Forward PE 10.02 | Enterprise Value 4881067008 | Price to Sales(TTM) 2.78 |
Enterprise Value 4881067008 | Price to Sales(TTM) 2.78 | ||
Enterprise Value to Revenue 5.54 | Enterprise Value to EBITDA - | Shares Outstanding 75212773 | Shares Floating 74510286 |
Shares Outstanding 75212773 | Shares Floating 74510286 | ||
Percent Insiders 0.94 | Percent Institutions 106.28 |
Upturn AI SWOT
BankUnited Inc
Company Overview
History and Background
BankUnited, Inc. was formed in 2009 after acquiring the assets of the failed BankUnited, FSB. It has grown through organic expansion and strategic acquisitions, focusing on commercial and retail banking services in Florida and New York.
Core Business Areas
- Commercial Banking: Offers a range of lending and deposit products to businesses, including commercial real estate financing, business loans, and treasury management services.
- Retail Banking: Provides banking services to individuals, including checking and savings accounts, mortgages, and personal loans.
- Wealth Management: Offers wealth management and trust services to high-net-worth individuals.
Leadership and Structure
Rajinder P. Singh serves as Chairman, President, and Chief Executive Officer. The organizational structure consists of executive management, business line leaders, and support functions, overseen by a board of directors.
Top Products and Market Share
Key Offerings
- Commercial Real Estate Loans: Provides financing for commercial real estate projects. Market share data is difficult to pinpoint precisely due to fragmented market, but represents a significant portion of BankUnited's loan portfolio. Competitors include regional and national banks like Wells Fargo, Truist, and Regions Bank.
- Small Business Loans: Offers various loan products to small businesses. No precise market share available. Competitors include Chase, Bank of America, and online lenders.
- Mortgage Loans: Provides mortgage financing to individuals. Market share data is difficult to pinpoint precisely due to fragmented market, and varies based on geographic location. Competitors include Chase, Rocket Mortgage and other large mortgage lenders.
Market Dynamics
Industry Overview
The banking industry is highly competitive and subject to regulatory changes, interest rate fluctuations, and economic conditions. Digital transformation and fintech innovation are reshaping the industry landscape.
Positioning
BankUnited is positioned as a regional bank with a focus on relationship banking and serving the needs of businesses and individuals in its core markets. It differentiates itself through its service quality and local market expertise.
Total Addressable Market (TAM)
The TAM for banking services in Florida and New York is substantial, encompassing a large population and diverse economy. BankUnited is positioned to capture a share of this market through its branch network and digital offerings.
Upturn SWOT Analysis
Strengths
- Strong presence in Florida and New York
- Experienced management team
- Solid credit quality
- Focus on relationship banking
- Efficient operations
Weaknesses
- Geographic concentration
- Reliance on interest income
- Limited brand recognition outside core markets
- Smaller scale compared to national banks
Opportunities
- Expanding into new markets
- Leveraging digital channels
- Growing wealth management business
- Increasing lending to small and medium-sized enterprises (SMEs)
- Acquiring smaller banks
Threats
- Competition from larger banks and fintech companies
- Economic downturn
- Rising interest rates
- Increased regulatory scrutiny
- Cybersecurity risks
Competitors and Market Share
Key Competitors
- JPM
- BAC
- WFC
- C
- KEY
Competitive Landscape
BankUnited faces intense competition from larger national banks and regional players. Its strengths lie in its local market expertise and relationship-based approach, while its weaknesses include its smaller scale and geographic concentration.
Major Acquisitions
Herald National Bank
- Year: 2010
- Acquisition Price (USD millions): 86
- Strategic Rationale: Expanded presence in the New York market.
Growth Trajectory and Initiatives
Historical Growth: BankUnited has experienced moderate growth in recent years, driven by organic expansion and strategic acquisitions. Detailed revenue and profit growth data are needed to quantify these trends.
Future Projections: Analyst estimates would need to be gathered from financial news sources or investment research reports to provide projections for future growth.
Recent Initiatives: Recent initiatives would need to be identified from press releases and investor presentations.
Summary
BankUnited is a well-managed regional bank with a strong presence in Florida and New York. Its focus on relationship banking and efficient operations are key strengths. The bank faces challenges from larger competitors and economic uncertainty, however, future growth depends on strategic expansion and effective digital transformation.
Peer Comparison
Sources and Disclaimers
Data Sources:
- Company website
- SEC filings
- Financial news sources
- Yahoo Finance
- Marketwatch
Disclaimers:
This analysis is based on publicly available information and is for informational purposes only. It should not be considered financial advice. Market share figures are estimations. Please consult with a qualified financial advisor before making any investment decisions.
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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