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BKU 
BankUnited Inc (BKU)
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Upturn Advisory Summary
11/28/2025: BKU (2-star) has a low Upturn Star Rating. Not recommended to BUY.
Upturn Star Rating
Below Average Performance
These Stocks/ETFs, based on Upturn Advisory, often underperform the market, warranting careful consideration before investing.
Number of Analysts
10 Analysts rated it
Moderately tracked stock, growing coverage, gaining market and investor attention.
1 Year Target Price $42.1
1 Year Target Price $42.1
| 2 | Strong Buy |
| 1 | Buy |
| 6 | Hold |
| 1 | Sell |
| 0 | Strong Sell |
Analysis of Past Performance
Type Stock | Historic Profit 12.23% | Avg. Invested days 36 | Today’s Advisory Consider higher Upturn Star rating |
Upturn Star Rating | Upturn Advisory Performance  3.0 | Stock Returns Performance  2.0 |
| Profits based on simulation | Last Close 11/28/2025 |
Key Highlights
Company Size Mid-Cap Stock | Market Capitalization 3.25B USD | Price to earnings Ratio 12.21 | 1Y Target Price 42.1 |
Price to earnings Ratio 12.21 | 1Y Target Price 42.1 | ||
Volume (30-day avg) 10 | Beta 1.35 | 52 Weeks Range 27.47 - 43.82 | Updated Date 11/29/2025 |
52 Weeks Range 27.47 - 43.82 | Updated Date 11/29/2025 | ||
Dividends yield (FY) 2.82% | Basic EPS (TTM) 3.54 |
Earnings Date
Report Date - | When - | Estimate - | Actual - |
Profitability
Profit Margin 26.41% | Operating Margin (TTM) 39.58% |
Management Effectiveness
Return on Assets (TTM) 0.76% | Return on Equity (TTM) 9.19% |
Valuation
Trailing PE 12.21 | Forward PE 11.38 | Enterprise Value 5082527744 | Price to Sales(TTM) 3.2 |
Enterprise Value 5082527744 | Price to Sales(TTM) 3.2 | ||
Enterprise Value to Revenue 5.28 | Enterprise Value to EBITDA - | Shares Outstanding 75142571 | Shares Floating 74422705 |
Shares Outstanding 75142571 | Shares Floating 74422705 | ||
Percent Insiders 0.94 | Percent Institutions 102.99 |
Upturn AI SWOT
BankUnited Inc
Company Overview
History and Background
BankUnited Inc. was founded in 2009 as a new entity acquiring the assets of the former BankUnited, which failed in 2009 during the financial crisis. It has since grown into a leading bank in Florida and New York, focusing on commercial and retail banking.
Core Business Areas
- Commercial Banking: Provides a range of lending and deposit products to businesses, including commercial real estate loans, business loans, and treasury management services.
- Retail Banking: Offers banking services to individuals, including checking and savings accounts, mortgages, and personal loans.
- Private Banking: Provides personalized banking and wealth management services to high-net-worth individuals and families.
Leadership and Structure
Rajinder P. Singh serves as the Chairman, President and CEO. The bank operates with a traditional hierarchical structure, with various departments reporting to executive leadership.
Top Products and Market Share
Key Offerings
- Commercial Real Estate Loans: Loans secured by commercial properties. Market share data is not readily available at a granular level for individual banks. Competitors include Truist (TFC), Wells Fargo (WFC), and regional banks.
- Residential Mortgages: Loans for purchasing or refinancing residential properties. Market share varies regionally. Competitors include large national banks like JPMorgan Chase (JPM) and Bank of America (BAC), as well as mortgage specialists.
- Commercial and Industrial (C&I) Loans: Loans to businesses for various purposes, such as working capital or expansion. Competitors include Truist (TFC), Wells Fargo (WFC).
Market Dynamics
Industry Overview
The banking industry is currently facing challenges related to rising interest rates, potential recessionary pressures, and increased regulatory scrutiny. Fintech companies are also disrupting traditional banking models.
Positioning
BankUnited Inc. positions itself as a relationship-focused bank with a strong presence in Florida and New York. Its competitive advantages include its local market expertise and personalized service. However, it's smaller than many national players.
Total Addressable Market (TAM)
The total addressable market for banking services in Florida and New York is in the hundreds of billions of dollars annually. BankUnited Inc. captures a small percentage of this TAM, aiming to grow its market share through strategic initiatives.
Upturn SWOT Analysis
Strengths
- Strong presence in Florida and New York markets
- Relationship-focused banking model
- Experienced management team
- Solid asset quality
Weaknesses
- Smaller size compared to national banks
- Geographic concentration
- Reliance on traditional banking models; lagging behind in fintech adoption compared to leading national peers
- Sensitivity to interest rate fluctuations
Opportunities
- Expansion into new markets
- Increased adoption of digital banking technologies
- Growing demand for personalized financial services
- Acquisition of smaller banks
Threats
- Rising interest rates
- Economic recession
- Increased competition from fintech companies
- Regulatory changes
Competitors and Market Share
Key Competitors
- BAC
- JPM
- WFC
- TFC
Competitive Landscape
BankUnited's advantages are its strong regional presence and personalized service. Disadvantages are its smaller size and limited geographic footprint compared to larger national banks. Fintech companies present a significant competitive threat.
Major Acquisitions
Fairfield Financial Services, Inc.
- Year: 2015
- Acquisition Price (USD millions): 75
- Strategic Rationale: Expanded BankUnited's commercial lending capabilities in the Northeast.
Growth Trajectory and Initiatives
Historical Growth: Assess revenue and profitability trends over the last 5-10 years, considering organic growth and acquisitions.
Future Projections: Analyst estimates of growth are required to determine the future EPS, revenue and market share. These estimates can be retrived from providers like Yahoo Finance, MarketWatch or Bloomberg
Recent Initiatives: Assess strategic initiatives, e.g., opening new branches, investing in technology, and entering new markets, that can drive future growth
Summary
BankUnited has established a strong presence in key markets but faces competition from larger national banks and emerging fintech firms. Its relationship-focused approach is a key strength, but its smaller size and geographic concentration present challenges. To maintain growth, BankUnited needs to innovate its digital offerings and carefully manage interest rate risk. Strategic acquisitions and expansion initiatives could contribute to sustainable growth.
Similar Stocks
Sources and Disclaimers
Data Sources:
- Company Filings (SEC)
- Financial News Articles
- Industry Reports (e.g., FDIC)
- Analyst Reports (e.g., Yahoo Finance)
- Company Website
Disclaimers:
The data provided is for informational purposes only and should not be considered financial advice. Market share data is often estimated and may not be precise. Investors should conduct their own due diligence 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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