Home 
Today's Top Picks 
Top Performers 
Watchlist 
My Robo Portfolios 
ETF Zone 
Help & Tutorial 
Cancel anytime
- Chart
- Upturn Summary
- Highlights
- Valuation
- Analyst Ratings
Upturn AI SWOT - About
BKU 
BankUnited Inc (BKU)
- BUY Advisory
- SELL Advisory (Profit)
- SELL Advisory (Loss)
- Profit
- Loss
- Pass (Skip investing)
Stock price based on last close (see disclosures)
- ALL
- YEAR
- MONTH
- WEEK
Upturn Advisory Summary
06/13/2025: 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.
Analysis of Past Performance
Type Stock | Historic Profit -1.26% | Avg. Invested days 34 | Today’s Advisory WEAK BUY |
Upturn Star Rating | Upturn Advisory Performance  3.0 | Stock Returns Performance  1.0 |
| Profits based on simulation | Last Close 06/13/2025 |
Key Highlights
Company Size Mid-Cap Stock | Market Capitalization 2.54B USD | Price to earnings Ratio 10.48 | 1Y Target Price 39.42 |
Price to earnings Ratio 10.48 | 1Y Target Price 39.42 | ||
Volume (30-day avg) 712080 | Beta 1.3 | 52 Weeks Range 25.94 - 43.64 | Updated Date 06/15/2025 |
52 Weeks Range 25.94 - 43.64 | Updated Date 06/15/2025 | ||
Dividends yield (FY) 3.67% | 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 10.48 | Forward PE 10.22 | Enterprise Value 5203753472 | Price to Sales(TTM) 2.61 |
Enterprise Value 5203753472 | Price to Sales(TTM) 2.61 | ||
Enterprise Value to Revenue 5.5 | 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 - |
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. It quickly grew through organic expansion and acquisitions, focusing on commercial and retail banking in Florida and New York.
Core Business Areas
- Commercial Banking: Offers a range of lending and deposit products to businesses, including commercial real estate loans, commercial and industrial loans, and treasury management services.
- Retail Banking: Provides personal banking services, including checking and savings accounts, mortgages, and personal loans.
- Private Banking: Offers specialized services to high-net-worth individuals, including wealth management, lending, and deposit solutions.
Leadership and Structure
Rajinder P. Singh serves as Chairman, President, and Chief Executive Officer. The company operates with a traditional hierarchical structure, with various departments reporting to senior management.
Top Products and Market Share
Key Offerings
- Commercial Real Estate Loans: Loans secured by commercial properties, providing financing for construction, acquisition, and refinancing. Market share is difficult to pinpoint exactly but is dependent on Florida and NY markets. Competitors include regional and national banks like Truist, Wells Fargo, and Regions Bank.
- Commercial and Industrial Loans: Loans to businesses for working capital, equipment financing, and other operational needs. Similar market share dependencies to CRE loans. Competitors include regional and national banks like Truist, Wells Fargo, and Regions Bank.
- Residential Mortgages: Mortgages for primary residences, second homes, and investment properties. Market share is dependent on Florida and NY markets. Competitors include regional and national banks as well as mortgage specialists like Rocket Mortgage and loanDepot.
Market Dynamics
Industry Overview
The banking industry is currently facing challenges from rising interest rates, increased regulatory scrutiny, and competition from fintech companies. Consolidation within the industry is also a significant trend.
Positioning
BankUnited Inc. is positioned as a regional bank with a strong focus on commercial lending and a growing retail banking presence. Its competitive advantages include its local market expertise and strong customer relationships.
Total Addressable Market (TAM)
The TAM for banking services in Florida and New York is substantial, estimated to be in the hundreds of billions of dollars. BankUnited's positioning allows it to capture a portion of this market, especially in commercial lending.
Upturn SWOT Analysis
Strengths
- Strong presence in Florida and New York markets
- Experienced management team
- Solid commercial lending portfolio
- Focus on customer relationships
- Adequate Capital Ratios
Weaknesses
- Geographic concentration
- Reliance on commercial real estate lending
- Smaller size compared to national banks
- Sensitivity to interest rate fluctuations
- Cost Structure
Opportunities
- Expansion into new markets
- Increased digital banking adoption
- Acquisition of smaller banks
- Growth in wealth management services
- Improved Operating Efficiencies
Threats
- Rising interest rates
- Increased regulatory scrutiny
- Competition from fintech companies
- Economic downturns
- Cybersecurity threats
Competitors and Market Share
Key Competitors
- Truist Financial Corporation (TFC)
- Regions Financial Corporation (RF)
- Citigroup Inc. (C)
Competitive Landscape
BankUnited's advantages lie in its local market knowledge and customer relationships. Its disadvantages include its smaller size and geographic concentration compared to larger national banks.
Major Acquisitions
Growth Trajectory and Initiatives
Historical Growth: BankUnited has grown steadily through organic expansion and strategic acquisitions.
Future Projections: Analyst estimates suggest continued growth in commercial lending and expansion of retail banking services.
Recent Initiatives: Recent initiatives include investments in digital banking technology and expansion into new markets within Florida and New York.
Summary
BankUnited is a regional bank with a strong presence in Florida and New York, focusing on commercial lending. It faces competition from larger national banks and fintech companies. Its strengths lie in its local market expertise and customer relationships, but its geographic concentration and reliance on commercial real estate lending are weaknesses. The company should capitalize on opportunities in digital banking and explore expansion into new markets.
Peer Comparison
Sources and Disclaimers
Data Sources:
- BankUnited Inc. Investor Relations
- SEC Filings
- Analyst Reports
- FDIC Data
Disclaimers:
The data provided is for informational purposes only and should not be considered investment advice. Market share data is estimated and may not be precise. Past performance is not indicative of future results.
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.
Note: This website is maintained by Upturn Corporation, which is an investment adviser registered with the U.S. Securities and Exchange Commission. Such registration does not imply a certain level of skill or training. Investing in securities has risks. Past performance is no guarantee of future returns. No assurance is provided as to any particular investment return, and you may lose money using our services. You are strongly advised to consult appropriate counsel before making any investments in companies you learn about through our services. You should obtain appropriate legal, tax, investment, accounting, and other advice that takes into account your investment portfolio and overall financial situation. You are solely responsible for conducting due diligence on a potential investment. We do not affect trades for you. You will select your own broker through which to transact. Investments are not FDIC insured, they are not guaranteed, and they may lose value. Please see the Privacy Policy, Terms of Use, and Disclosure for more information.