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Upturn AI SWOT - About
BKU 
BankUnited Inc (BKU)
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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
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
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
| 2 | Strong Buy |
| 1 | Buy |
| 6 | Hold |
| 0 | Under performing |
| 1 | Sell |
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 Advisory Performance  3.0 | Stock Returns Performance  1.0 |
| 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 - |
Upturn AI SWOT
BankUnited Inc
Company Overview
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.
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 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
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
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
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.
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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