📊 BKU Key Takeaways
Is BankUnited, Inc. (BKU) a Good Investment?
BankUnited exhibits critical operational stress with interest coverage of 0.1x—unable to cover debt service from operating income. Despite a solid balance sheet ($3B equity, 0.11x D/E), the combination of severe revenue contraction (-98.8% YoY) and dangerously low interest coverage signals fundamental financial distress requiring immediate investigation.
BankUnited’s fundamentals look stable but not especially strong: net income, EPS, and operating cash flow remain positive, while leverage appears manageable with debt/equity at 0.10x. However, profitability is only moderate for a bank at 0.8% ROA and 8.8% ROE, and the extreme revenue decline and margin figures suggest reported line items need caution before treating the growth profile as high quality.
BankUnited, Inc. Key Strengths (BKU)
- Moderate leverage ratio (0.11x D/E) provides balance sheet cushion
- Substantial asset base ($35.4B) and $3B stockholders equity
- Positive free cash flow ($13.9M) despite operational challenges
- Positive earnings with net income up 2.2% year over year and diluted EPS up 14.6%
- Solid cash generation with $358.61M operating cash flow and $354.20M free cash flow
- Large asset base and modest reported long-term leverage relative to equity
BKU Stock Risks: BankUnited, Inc. Investment Risks
- Interest coverage of 0.1x indicates inability to service debt from operating income—critical red flag
- Revenue collapse of -98.8% YoY suggests severe operational deterioration
- Data quality concerns with revenue-to-income disconnect (6.2M revenue vs 81.7M operating income) obscure true financial position
- ROA and ROE indicate only middling profitability rather than standout performance
- Interest coverage of 0.5x suggests weak earnings coverage of funding costs
- Reported revenue collapse and abnormal margins point to accounting classification or data-quality issues that obscure true operating trends
Key Metrics to Watch
- Interest coverage ratio and debt service capacity
- Actual net interest income and non-interest income trends
- Loan loss provisions and asset quality metrics
- Net interest margin and deposit funding costs
- Credit quality trends including nonperforming loans and charge-offs
BankUnited, Inc. (BKU) Financial Metrics & Key Ratios
💡 AI Analyst Insight
The 223.8% free cash flow margin provides substantial flexibility for dividends, buybacks, and strategic investments. The current ratio below 1.0x warrants monitoring of short-term liquidity.
BKU Profit Margin, ROE & Profitability Analysis
BKU vs Finance Sector: How BankUnited, Inc. Compares
How BankUnited, Inc. compares to Finance sector averages
Sector benchmarks are approximate industry averages. Actual sector performance may vary.
Is BankUnited, Inc. Stock Overvalued? BKU Valuation Analysis 2026
Based on fundamental analysis, BankUnited, Inc. has mixed fundamental signals relative to the Finance sector in 2026.
Note: This is a fundamental analysis based on SEC filings. For P/E ratio, price targets, and market-based valuation, consult financial data providers. This is not investment advice.
BankUnited, Inc. Balance Sheet: BKU Debt, Cash & Liquidity
BKU Revenue & Earnings Growth: 5-Year Financial Trend
5-Year Trend Summary: BankUnited, Inc.'s revenue has shown modest growth of 0% over the 5-year period. The most recent EPS of $2.38 reflects profitable operations.
BKU Revenue Growth, EPS Growth & YoY Performance
BKU Quarterly Earnings & Performance
| Quarter | Revenue | Net Income | EPS |
|---|---|---|---|
| Q1 2026 | $5.2M | $58.5M | $0.78 |
| Q3 2025 | $5.0M | $61.5M | $0.81 |
| Q2 2025 | $4.9M | $53.7M | $0.72 |
| Q1 2025 | $5.2M | $48.0M | $0.64 |
| Q3 2024 | $5.0M | $47.0M | $0.63 |
| Q2 2024 | $4.9M | $53.7M | $0.72 |
| Q1 2024 | $5.5M | $48.0M | $0.64 |
| Q3 2023 | $5.4M | $47.0M | $0.63 |
Data sourced from SEC EDGAR 10-Q quarterly filings. Figures may represent quarterly or cumulative values.
BankUnited, Inc. Dividends, Buybacks & Capital Allocation
BKU SEC Filings: Latest 10-K & 10-Q Analysis
Access official SEC EDGAR filings for BankUnited, Inc. (CIK: 0001504008)
📋 Recent SEC Filings
❓ Frequently Asked Questions about BKU
What is the AI rating for BKU?
BankUnited, Inc. (BKU) has a Combined AI Grade of C from Claude (C) and ChatGPT (B) with 60% combined confidence, based on fundamental analysis of SEC EDGAR filings.
What are BKU's key strengths?
Claude: Moderate leverage ratio (0.11x D/E) provides balance sheet cushion. Substantial asset base ($35.4B) and $3B stockholders equity. ChatGPT: Positive earnings with net income up 2.2% year over year and diluted EPS up 14.6%. Solid cash generation with $358.61M operating cash flow and $354.20M free cash flow.
What are the risks of investing in BKU?
Claude: Interest coverage of 0.1x indicates inability to service debt from operating income—critical red flag. Revenue collapse of -98.8% YoY suggests severe operational deterioration. ChatGPT: ROA and ROE indicate only middling profitability rather than standout performance. Interest coverage of 0.5x suggests weak earnings coverage of funding costs.
What is BKU's revenue and growth?
BankUnited, Inc. reported revenue of $6.2M.
Does BKU pay dividends?
BankUnited, Inc. pays dividends, with $24.1M distributed to shareholders in the trailing twelve months.
Where can I find BKU SEC filings?
Official SEC filings for BankUnited, Inc. (CIK: 0001504008) including 10-K, 10-Q, and 8-K reports are available on SEC EDGAR.
What is BKU's EPS?
BankUnited, Inc. has a diluted EPS of $0.83.
How is the AI analysis conducted?
Two independent AI systems — Claude (Anthropic) and ChatGPT (OpenAI) — analyze SEC EDGAR filings including 10-K annual reports and 10-Q quarterly reports. Each AI evaluates financial health, profitability ratios, balance sheet strength, and growth metrics. The combined grade reflects both perspectives for balanced insights.
What is BKU's fundamental grade?
Based on our AI fundamental analysis in June 2026, BankUnited, Inc. has a C grade with 60% confidence. Review the strengths and risks sections above for full context. This is not investment advice.
Is BKU stock overvalued or undervalued?
Valuation metrics for BKU: ROE of 2.1% (sector avg: 12%), net margin of 994.9% (sector avg: 25%). Compare these metrics with sector averages to assess valuation.
What is BKU's AI grade for 2026?
Our dual AI analysis gives BankUnited, Inc. a combined C grade for 2026. Revenue is data pending, with profitability above sector average. Always conduct your own research.
What is BKU's free cash flow?
BankUnited, Inc.'s operating cash flow is $18.3M, with capital expenditures of $4.4M. FCF margin is 223.8%.
How does BKU compare to other Finance stocks?
Vs Finance sector averages: Net margin 994.9% (avg: 25%), ROE 2.1% (avg: 12%), current ratio N/A (avg: 1.2).