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BankUnited Inc (BKU)

Upturn stock ratingUpturn stock rating
$35.64
Last Close (24-hour delay)
Profit since last BUY-0.45%
upturn advisory
Consider higher Upturn Star rating
BUY since 32 days
  • BUY Advisory
  • SELL Advisory (Profit)​
  • SELL Advisory (Loss)​
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Upturn Stock infoUpturn Stock info Stock price based on last close
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Upturn Advisory Summary

06/27/2025: BKU (1-star) has a low Upturn Star Rating. Not recommended to BUY.

Upturn Star Rating

ratingratingratingratingrating

Not Recommended Performance

These Stocks/ETFs, based on Upturn Advisory, consistently fall short of market performance, signaling caution before investing.

Number of Analysts

rating

10 Analysts rated it

These Stocks/ETFs, based on Upturn Advisory, frequently surpass the market, reflecting reliable and trustworthy advice.

Year Target Price $39.42

Year Target Price $39.42

Analyst’s Price TargetsFor last 52 week
$39.42Target price
Low$27.5
Current$35.64
high$43.64

Analysis of Past Performance

Type Stock
Historic Profit 4.27%
Avg. Invested days 35
Today’s Advisory Consider higher Upturn Star rating
Upturn Star Rating Upturn stock ratingUpturn stock rating
Upturn Advisory Performance Upturn Advisory Performance 3.0
Stock Returns Performance Upturn Returns Performance 1.0
Upturn Profits based on simulationUpturn Profits based on simulation Profits based on simulation
Upturn Profits based on simulationUpturn Profits based on simulation Last Close 06/27/2025

Key Highlights

Company Size Mid-Cap Stock
Market Capitalization 2.68B USD
Price to earnings Ratio 11.07
1Y Target Price 39.23
Price to earnings Ratio 11.07
1Y Target Price 39.23
Volume (30-day avg) -
Beta 1.3
52 Weeks Range 27.50 - 43.64
Updated Date 06/29/2025
52 Weeks Range 27.50 - 43.64
Updated Date 06/29/2025
Dividends yield (FY) 3.48%
Basic EPS (TTM) 3.22

Earnings Date

Report Date -
When -
Estimate -
Actual -

Profitability

Profit Margin 24.99%
Operating Margin (TTM) 36.33%

Management Effectiveness

Return on Assets (TTM) 0.7%
Return on Equity (TTM) 8.77%

Valuation

Trailing PE 11.07
Forward PE 10.8
Enterprise Value 5345904128
Price to Sales(TTM) 2.76
Enterprise Value 5345904128
Price to Sales(TTM) 2.76
Enterprise Value to Revenue 5.64
Enterprise Value to EBITDA -
Shares Outstanding 75211904
Shares Floating 74481615
Shares Outstanding 75211904
Shares Floating 74481615
Percent Insiders 0.95
Percent Institutions 102.91

Analyst Ratings

Rating 3.4
Target Price 39.42
Buy 1
Strong Buy 2
Buy 1
Strong Buy 2
Hold 6
Sell 1
Strong Sell -
Strong Sell -

ai summary icon Upturn AI SWOT

BankUnited Inc

stock logo

Company Overview

overview logo History and Background

BankUnited, Inc. was founded in 2009 as a recapitalization of the former BankUnited FSB, which failed during the 2008 financial crisis. It quickly grew through strategic acquisitions and organic expansion, focusing on commercial and retail banking.

business area logo Core Business Areas

  • Commercial Banking: Provides lending, deposit, and treasury management services to businesses of various sizes.
  • Retail Banking: Offers banking services to individuals, including deposit accounts, loans, and wealth management services.
  • Commercial Real Estate Lending: Specializes in financing commercial real estate projects.

leadership logo Leadership and Structure

Rajinder P. Singh is the Chairman, President, and Chief Executive Officer. The organizational structure is typical of a regional bank, with departments focusing on specific business lines and support functions. The Board of Directors oversees the bank's strategy and risk management.

Top Products and Market Share

overview logo Key Offerings

  • Commercial Loans: Loans to businesses for working capital, expansion, and other purposes. Competitors include Truist Financial (TFC), Regions Financial (RF), and larger national banks. Market share data is difficult to obtain precisely due to the fragmented nature of the regional banking market, but BankUnited holds a significant position in Florida.
  • Commercial Real Estate Loans: Financing for commercial real estate projects. Competitors include other regional banks and specialized real estate lenders. Market share data is not readily available but BankUnited is considered a major player in its operating region.
  • Deposit Accounts: Checking, savings, and money market accounts for individuals and businesses. Competitors include all other banks and credit unions operating in its footprint.

Market Dynamics

industry overview logo Industry Overview

The banking industry is currently facing challenges such as rising interest rates, increased regulatory scrutiny, and technological disruption. Competition is intense, with traditional banks facing pressure from fintech companies and online lenders.

Positioning

BankUnited is positioned as a leading regional bank focused on serving businesses and individuals in Florida and the New York metropolitan area. Its competitive advantages include a strong understanding of the local markets and a commitment to providing personalized service.

Total Addressable Market (TAM)

The TAM for banking services in Florida and New York is estimated to be in the hundreds of billions of dollars. BankUnited is positioned to capture a portion of this market through its lending, deposit, and wealth management services. The TAM consists of commercial loans, real estate loans, consumer banking and wealth management services.

Upturn SWOT Analysis

Strengths

  • Strong presence in Florida and New York markets
  • Experienced management team
  • Solid financial performance
  • Focus on commercial banking

Weaknesses

  • Geographic concentration
  • Reliance on interest rate spread
  • Competition from larger banks
  • Susceptible to regional economic downturns

Opportunities

  • Expansion into new markets
  • Increased adoption of digital banking
  • Growing demand for commercial loans
  • Acquisition opportunities

Threats

  • Rising interest rates
  • Increased regulatory scrutiny
  • Competition from fintech companies
  • Economic recession

Competitors and Market Share

competitor logo Key Competitors

  • TFC
  • RF
  • FHN
  • CMA
  • MTB

Competitive Landscape

BankUnited faces competition from larger national banks and other regional players. Its advantages include local market knowledge and personalized service. Disadvantages include limited geographic reach and smaller balance sheet size relative to larger competitors.

Major Acquisitions

Herald National Bank

  • Year: 2010
  • Acquisition Price (USD millions): 71
  • Strategic Rationale: Expanded BankUnited's presence in the New York metropolitan area.

Growth Trajectory and Initiatives

Historical Growth: Historical growth trends have been positive due to organic growth and strategic acquisitions. Data would be placed here if pulled

Future Projections: Future growth projections rely on economic conditions and execution of strategy, analyst estimates would be sourced and data placed here.

Recent Initiatives: Recent initiatives include investments in digital banking and expansion of commercial lending operations.

Summary

BankUnited is a regional bank with a strong presence in Florida and New York, demonstrating solid financial performance. Its focus on commercial banking and strategic acquisitions has fueled growth. However, it faces competition from larger banks and must manage risks related to interest rates and economic cycles. Continued investment in digital banking and expansion into new markets could drive future growth.

Peer Comparison

Sources and Disclaimers

Data Sources:

  • SEC filings, Company reports, Market data providers, Analyst reports

Disclaimers:

The information provided is for informational purposes only and should not be considered financial advice. Market share data is estimated and may not be precise. Data may be delayed.

Upturn AI SummarizationUpturn AI Summarization AI Summarization is directionally correct and might not be accurate.

Upturn AI SummarizationUpturn AI Summarization Summarized information shown could be a few years old and not current.

Upturn AI SummarizationUpturn AI Summarization Fundamental Rating based on AI could be based on old data.

Upturn AI SummarizationUpturn AI Summarization 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
Full time employees 1662

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.