Stocks · Financial Services · Banks - Regional
BankUnited, Inc. BKU
$43.38 +1.54% Close, Oct 2, 2026 · NYSE · Market cap $3.15B
Next earnings report: Oct 21, 2026
Scroll or pinch to zoom, drag to move. Daily prices adjusted for splits. Markers: E = earnings (green beat, red miss), S = split, D = dividend.
Three things to know
- Operating margin narrowed to 9.8% from 17.9% a year earlier.
- Net debt is 9.6× EBITDA, a high level of leverage.
- The stock is in a downtrend: below its 200-day average, with the 50-day average below the 200-day.
PromtFinance scores
Each score is a percentile within the Financial Services sector (0–100). Under each score: how the stock ranks in its sector on every component. As of Oct 5, 2026.
How fast revenue, earnings and cash flow are growing.
- Revenue growth (TTM, YoY)Bottom 18%
- EPS growth (TTM, YoY)Bottom 32%
- FCF growth (TTM, YoY)Bottom 34%
- Revenue growth, 3-year CAGRTop 39%
- Revenue growth accelerationBottom 15%
Returns on capital, margins, earnings quality and balance-sheet strength.
- Return on invested capitalTop 42%
- Gross marginBottom 18%
- Operating marginBottom 21%
- Cash conversion (OCF / net income)Top 35%
- Accruals (lower is better)Bottom 49%
- Net debt / EBITDA (lower is better)Bottom 13%
- Interest coverBottom 16%
How cheap the shares are relative to earnings, cash flow and their own history.
- Earnings yieldTop 34%
- Free-cash-flow yieldTop 27%
- EBITDA / enterprise valueBottom 34%
- Sales / enterprise valueTop 37%
- P/E vs own 5-year history (lower is better)Bottom 36%
Strength and persistence of the price trend, including versus the S&P 500.
- 12-month return excluding last monthTop 36%
- 6-month returnBottom 14%
- 1-year return vs S&P 500Top 39%
- Distance from 52-week highBottom 30%
- Trend checklist (0–4)Bottom 9%
Earnings surprises and analyst sentiment (estimate-revision history is being collected).
- Average EPS surprise, last 4 quartersBottom 31%
- Consecutive EPS beatsBottom 17%
- Share of analysts rating BuyBottom 22%
- Upside to consensus price targetBottom 35%
Low volatility, shallow drawdowns, low market sensitivity and modest leverage.
- Volatility, 60 days (lower is better)Top 44%
- Maximum drawdown, 3 yearsBottom 42%
- Beta vs S&P 500 (lower is better)Bottom 21%
- Net debt / EBITDA (lower is better)Bottom 13%
What changed
Latest four quarters versus the same period a year earlier (growth: versus one quarter earlier).
| Measure | Before | Now | |
|---|---|---|---|
| Revenue growth (YoY) | 7.1% | -4.6% | ↓ |
| EPS growth (YoY) | 10.6% | 4.7% | ↓ |
| Gross margin | 51.1% | 44.9% | ↓ |
| Operating margin | 17.9% | 9.8% | ↓ |
| FCF margin | 18.7% | 19.9% | ↑ |
Fundamental momentum
| Measure | Now (TTM) | Year / quarter before | Sector rank | |
|---|---|---|---|---|
| Revenue growth (TTM, YoY) | -4.6% | 7.1% | ↓ | Bottom 18% |
| EPS growth (TTM, YoY) | 4.7% | 10.6% | ↓ | Bottom 32% |
| Gross margin | 44.9% | 51.1% | ↓ | Bottom 18% |
| Operating margin | 9.8% | 17.9% | ↓ | Bottom 21% |
| Net margin | 14.7% | 13.2% | ↑ | — |
| Free-cash-flow margin | 19.9% | 18.7% | ↑ | — |
| Return on invested capital | 2.3% | — | Top 42% | |
| Revenue growth, 3-year CAGR | 17.9% | — | Top 39% |
Quality of earnings and balance sheet
- Cash conversion (OCF / net income)Above 1× means profits are backed by cash.
- 1.36×
- Accruals (net income − OCF) / assetsLower is better; high accruals can signal weaker earnings quality.
- -0.3%
- Stock-based compensation / revenueA cost to shareholders through dilution.
- 1.1%
- Net debt / EBITDABelow 1× is conservative; above 3× is high leverage.
- 9.62×
- Interest cover (operating income / interest)How many times operating profit covers interest.
- 0.3×
Shareholder returns
- Dividend yield (dividends paid, TTM)
- 3.01%
- Net buyback yield (TTM)
- 4.93%
- Shareholder yield
- 7.94%
- Share count change, 1 year
- +3.5%
- Share count change, 3-year CAGR
- +1.6%
Shareholder yield = dividends + net buybacks over the last four quarters, divided by market cap.
Based on the four quarters through Jun 30, 2026 (filed Aug 6, 2026).
Earnings and expectations
Earnings momentum
- Consecutive EPS beats
- 0
- Beats in the last 8 reports
- 6 of 8
- Average EPS surprise, last 4
- +0.5%
- Average 2-day reaction, last 8
- +0.8%
- Positive 20 days after report
- 4 of 8
Analysts
- Consensus price target
- $48.00
- Target vs current price
- +10.7%
- Analysts with a rating
- 29
- Share rating Buy or Strong Buy
- 28%
- Consensus rating
- Hold
How the stock reacted to recent reports
| Report date | EPS surprise | 2 days | 5 days | 20 days | 60 days |
|---|---|---|---|---|---|
| Jul 22, 2026 | -3.0% | -4.4% | -2.5% | -0.6% | — |
| Apr 22, 2026 | -13.0% | -1.6% | +1.0% | -3.4% | +4.5% |
| Jan 21, 2026 | +10.6% | +8.5% | +2.6% | +5.7% | +1.1% |
| Oct 22, 2025 | +7.5% | +1.7% | +8.0% | +5.7% | +27.8% |
| Jul 23, 2025 | +15.2% | +2.1% | -2.6% | -4.0% | +0.6% |
| Apr 28, 2025 | +4.6% | -2.2% | +0.5% | +2.7% | +17.6% |
| Jan 24, 2025 | +4.3% | +2.3% | +4.3% | -5.0% | -23.2% |
| Oct 22, 2024 | +9.5% | -0.3% | +2.0% | +17.1% | +13.4% |
Returns from the close before each report. Past reactions do not determine future ones.
Earnings history
| Report date | EPS | Estimate | Surprise | Revenue |
|---|---|---|---|---|
| Jul 22, 2026 | $0.97 | $1.00 | -3.0% | $284.6M |
| Apr 22, 2026 | $0.83 | $0.95 | -13.0% | $273.7M |
| Jan 21, 2026 | $0.94 | $0.85 | +10.6% | $288.2M |
| Oct 22, 2025 | $0.95 | $0.88 | +7.5% | $275.7M |
| Jul 23, 2025 | $0.91 | $0.79 | +15.2% | $273.9M |
| Apr 28, 2025 | $0.78 | $0.75 | +4.6% | $255.4M |
| Jan 24, 2025 | $0.72 | $0.69 | +4.3% | $264.5M |
| Oct 22, 2024 | $0.81 | $0.74 | +9.5% | $257.0M |
Valuation in context
| Multiple | Now | 5-year median | 5-year percentile | Sector rank (cheapness) |
|---|---|---|---|---|
| P/E (trailing) | 12.2× | 10.7× | 71th | Top 34% |
| P/E (forward) | 11.1× | — | — | — |
| EV / EBITDA | 26.1× | — | — | Bottom 34% |
| EV / Sales | 2.68× | — | — | Top 37% |
| Free-cash-flow yield | 11.79% | — | — | Top 27% |
| Earnings yield | 8.23% | — | — | Top 34% |
P/E over the past five years
Range 5.6× – 15.3× since Jun 30, 2021. Each point: price on the filing date divided by trailing-twelve-month EPS known then.
What moved the stock over the past year
- Price return, 1 year
- +14.4%
- Earnings per share growth (TTM)
- +4.7%
- Change in P/E multiple
- +24.4%
Most of the move came from a change in the valuation multiple.
Technical state
Trend checklist
- ✗ Price above 20-day average
- ✗ Price above 50-day average
- ✗ Price above 200-day average
- ✗ 50-day average above 200-day
- ✗ MACD histogram positive
Trend quality
- Days above the 50-day average
- 0
- Days above the 200-day average
- 0
- 50-day average slope (20 days)
- -3.6%
- 200-day average slope (20 days)
- +0.2%
- Distance from 50-day average
- -5.0%
- Distance from 200-day average
- -6.9%
- RSI (14)
- 40.5
- Relative volume
- 1.17×
Risk and drawdowns
- Volatility, 60 days (annualized)
- 19.6%
- Volatility vs own 5-year history
- 0th percentile · Low for this stock
- Beta vs S&P 500 (2 years, weekly)
- 1.00
- Correlation with S&P 500
- 0.53
- Current drawdown from 1-year high
- -14.8%
- Maximum drawdown, 3 years
- -31.8%
Largest declines in the past six years
| From peak | To low | Decline | Length | Recovery |
|---|---|---|---|---|
| Mar 12, 2021 | May 12, 2023 | -67.2% | 546 days | 674 days (Jan 21, 2026) |
| Feb 6, 2026 | Sep 30, 2026 | -17.1% | 162 days | Not yet recovered |
| Jan 12, 2021 | Jan 27, 2021 | -14.2% | 10 days | 13 days (Feb 16, 2021) |
| Oct 23, 2020 | Nov 4, 2020 | -11.6% | 8 days | 3 days (Nov 9, 2020) |
Declines of 10% or more from a closing high, measured on daily closes.
Financial statements
- Market cap
- $3.15B
- P/E (TTM)
- 12.2
- EPS, diluted (TTM)
- $3.57
- Revenue (TTM)
- $1.87B
- Dividend yield
- 3.71%
- 52-week range
- $35.10 – $52.11
| FY 2021 | FY 2022 | FY 2023 | FY 2024 | FY 2025 | |
|---|---|---|---|---|---|
| Revenue | $1.09B | $1.31B | $1.94B | $2.02B | $2.14B |
| Gross profit | $997.0M | $915.4M | $873.0M | $958.3M | $1.06B |
| Operating income | $449.4M | $375.1M | $237.1M | $316.3M | $357.3M |
| Net income | $415.0M | $285.0M | $178.7M | $232.5M | $268.4M |
| EPS (diluted) | $4.52 | $3.54 | $2.38 | $3.08 | $3.54 |
| Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | |
|---|---|---|---|---|---|---|---|---|
| Revenue | $515.2M | $493.2M | $466.0M | $481.6M | $722.5M | $472.4M | $446.9M | $223.7M |
| Net income | $61.5M | $69.3M | $58.5M | $68.8M | $71.9M | $69.3M | $61.9M | $70.7M |
| EPS (diluted) | $0.81 | $0.91 | $0.78 | $0.91 | $0.95 | $0.90 | $0.80 | $0.92 |
| FY 2021 | FY 2022 | FY 2023 | FY 2024 | FY 2025 | |
|---|---|---|---|---|---|
| Operating cash flow | $1.22B | $1.29B | $657.5M | $433.8M | $358.6M |
| Capital expenditure | -$31.4M | $0 | $0 | $0 | $0 |
| Free cash flow | $1.19B | $1.29B | $657.5M | $433.8M | $358.6M |
| Dividends paid | -$85.8M | -$79.4M | -$79.1M | -$85.5M | -$91.9M |
| Net share buybacks | -$318.5M | -$401.3M | -$55.2M | $0 | -$44.8M |
Cash outflows are shown as negative numbers.
- Cash and short-term investments
- $9.69B
- Total assets
- $34.88B
- Total liabilities
- $31.88B
- Total debt
- $2.21B
- Net debt
- $1.85B
- Shareholders’ equity
- $3.00B
As of Jun 30, 2026 (filed Aug 6, 2026).
Dividends
| Ex-date | Amount | Paid |
|---|---|---|
| Oct 9, 2026 | $0.33 | Oct 30, 2026 |
| Jul 10, 2026 | $0.33 | Jul 31, 2026 |
| Apr 10, 2026 | $0.33 | Apr 30, 2026 |
| Jan 9, 2026 | $0.31 | Jan 30, 2026 |
| Oct 10, 2025 | $0.31 | Oct 31, 2025 |
| Jul 11, 2025 | $0.31 | Jul 31, 2025 |
| Apr 11, 2025 | $0.31 | Apr 30, 2025 |
| Jan 10, 2025 | $0.29 | Jan 31, 2025 |
Short interest
- Shares sold short
- 3,336,570
- Days to cover
- 3.61
- Change vs previous report
- +16.3%
FINRA short interest, settlement date Sep 15, 2026.