BankUnited
Commercial bank pairing regional relationship coverage with national specialty lending and deposit platforms.
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Profile
Provides commercial and consumer banking, earning mainly from interest spreads on loans, investments, deposits, and borrowings. A Florida and New York-centered footprint is supplemented by regional commercial offices, national specialty platforms, and online consumer deposits, all reported as one segment.
Provides commercial and consumer banking through BankUnited, N.A., with banking centers in Florida, metropolitan New York, and Dallas. Commercial offices in Atlanta, Charlotte, and Morristown extend the footprint, while national platforms and an online channel serve customers elsewhere.
Products include commercial and industrial credit, commercial real estate finance, mortgage warehouse lending, residential mortgages, deposits, treasury services, and capital-markets products. The platform combines regional relationship coverage with specialty capabilities as the balance sheet shifts toward core commercial loans and customer deposits.
Operates as a single reportable segment. Earnings depend chiefly on the spread between returns on loans and investments and costs of deposits and borrowings, alongside credit performance. Commercial real estate, interest rates, and deposit stability are recurring exposures. The holding company is regulated by the Federal Reserve and the national bank by the OCC.
Company facts
Categories
Key statistics
Year to date +3.7% · Average volume (30d) 801.3K
Analysts
Ratings
Target range
Latest analyst notes
| Date | Firm | Action | Prior rating | Rating | Prior target | Target |
|---|---|---|---|---|---|---|
| Aug 10, 2026 | Wells Fargo | Reiterate | Overweight | $50 | $54 | |
| Aug 3, 2026 | Barclays | Reiterate | Equal Weight | $50 | $48 | |
| Jul 23, 2026 | RBC Capital | Reiterate | Sector Perform | $53 | $50 | |
| Jul 23, 2026 | Barclays | Reiterate | Equal Weight | $52 | $50 | |
| Jul 7, 2026 | Barclays | Reiterate | Equal Weight | $55 | $52 |
Earnings
EPS
Revenue
History
| Report date | EPS est | EPS | Surprise | Revenue est | Revenue | Surprise | Next session |
|---|---|---|---|---|---|---|---|
| Jul 22, 2026Q2 FY26 | $1.00 | $0.97 | −3.0% | $290.3M | $284.6M | −2.0% | +2.26% |
| Apr 22, 2026Q1 FY26 | $0.97 | $0.83 | −14.4% | $284.2M | $273.7M | −3.7% | +1.74% |
| Jan 21, 2026Q4 FY25 | $0.85 | $0.94 | +10.6% | $280.1M | $288.2M | +2.9% | −0.24% |
| Oct 22, 2025Q3 FY25 | $0.88 | $0.95 | +7.5% | $280.2M | $519.7M | +85.5% | −1.52% |
Financial highlights
| 12 quarters | Q1 FY25 | Q2 FY25 | Q3 FY25 | Q4 FY25 | Q1 FY26 | Q2 FY26 | |
|---|---|---|---|---|---|---|---|
| Revenue | $466.0M | $481.6M | $722.5M | $472.4M | $446.9M | $223.7M | |
| Gross profit | $240.3M | $258.2M | $273.5M | $288.2M | $249.1M | $26.0M | |
| Operating income | $80.1M | $93.9M | $93.5M | $89.8M | $81.7M | −$81.7M | |
| Net income | $58.5M | $68.8M | $71.9M | $69.3M | $61.9M | $70.7M | |
| Diluted EPS | $0.78 | $0.91 | $0.95 | $0.90 | $0.80 | $0.92 | |
| Gross margin | 51.6% | 53.6% | 37.8% | 61.0% | 55.7% | 11.6% | |
| Operating margin | 17.2% | 19.5% | 12.9% | 19.0% | 18.3% | -36.5% |
Fiscal years (4-quarter sums)FY21 $1.09B · FY22 $1.31B · FY23 $1.94B · FY24 $2.02B · FY25 $2.14B
Balance sheet, Jun 30, 2026Cash & short-term investments $9.69B · Total debt $2.21B · Total assets $34.88B · Shareholders' equity $3.00B
Dividends
Raised for 14 straight years — most recently to $0.33 from $0.31 in Apr 2026. To collect a payout, hold shares through the close before the ex-date.
History
| Ex-date | Record | Paid | Amount | Note |
|---|---|---|---|---|
| Jul 10, 2026 | Jul 10 | Jul 31 | $0.33 | |
| Apr 10, 2026 | Apr 10 | Apr 30 | $0.33 | raised from $0.31 |
| Jan 9, 2026 | Jan 9 | Jan 30 | $0.31 | |
| Oct 10, 2025 | Oct 10 | Oct 31 | $0.31 | |
| Jul 11, 2025 | Jul 11 | Jul 31 | $0.31 | |
| Apr 11, 2025 | Apr 11 | Apr 30 | $0.31 | raised from $0.29 |
| Jan 10, 2025 | Jan 10 | Jan 31 | $0.29 | |
| Oct 11, 2024 | Oct 11 | Oct 31 | $0.29 |
Ownership
A 13F quarter can total more than the shares outstanding — sub-advisers file the same block twice, and a filer's own share count can be a quarter stale. No split is drawn from it.
Shares outstanding 72.68M · Float 72.02M · 99.1% free float
Top shareholders13F · 13D/G · Form 4
| Holder | Shares | % outstanding | Form | Filed |
|---|---|---|---|---|
| BlackRock, Inc. | 10.70M | 14.72% | 13F | Aug 7, 2026 |
| Vanguard Portfolio Management LLC | 4.98M | 6.85% | 13F | Aug 13, 2026 |
| Dimensional Fund Advisors LP | 4.69M | 6.45% | 13F | Aug 11, 2026 |
| State Street Corp | 4.53M | 6.23% | 13F | Aug 7, 2026 |
| Integrated Core Strategies (US) LLC | 4.14M | 5.60% | 13G | Mar 17, 2026 |
Insider tradesForm 4
| Date | Insider | Role | Shares | Avg price |
|---|---|---|---|---|
| Aug 13, 2026 | Douglas J. Pauls | director | −3,000 | $47.90 |
| Jun 15, 2026 | Jay D. Richards | officer: Officer of Subsidiary | −4,000 | $48.67 |
| Jun 1, 2026 | John N. DiGiacomo | director | −1,000 | $45.97 |
| Mar 4, 2026 | Kevin A. Malcolm | other: Officer of Subsidiary | −3,447 | $47.11 |
| Feb 9, 2026 | Sanjiv Sobti | director | −5,000 | $50.88 |
Peers
- JPMorgan Chase
Money-center scale in Florida and New York banking
- Bank of America
National bank pressure across deposits and commercial banking
- Truist Financial
Southeast and Florida regional-bank scale
- PNC Financial Services Group
Diversified regional bank with national corporate reach
- Valley National Bancorp
Direct New York/New Jersey/Florida regional-bank peer
- Regions Financial
Florida and Southeast commercial-bank overlap
- Toronto-Dominion Bank
U.S. East Coast and Florida bank overlap
- M&T Bank
New York and Mid-Atlantic commercial-bank competitor
CompareAfter-hours close
| Company | Price | Change | |||||
|---|---|---|---|---|---|---|---|
| BankUnited | $46.39 | −0.01% | $3.37B | 13.0 | 10.9 | 1.8 | +3.9% |
| JPMorgan Chase | $357.66 | +0.05% | $958.25B | 15.4 | 14.8 | 3.2 | +27.8% |
| Bank of America | $62.30 | −0.04% | $442.26B | 14.4 | 12.7 | 2.3 | +19.3% |
| Truist Financial | $53.13 | +5.37% | $62.83B | 12.0 | 10.6 | 2.1 | +6.5% |
| PNC Financial Services Group | $256.30 | +5.78% | $96.65B | 13.3 | 11.9 | 2.7 | +21.4% |
| Valley National Bancorp | $13.92 | 0.00% | $7.71B | 11.6 | 9.8 | 2.6 | +13.3% |
| Regions Financial | $30.33 | +0.02% | $25.88B | 12.4 | 11.1 | 2.7 | +2.2% |
| Toronto-Dominion Bank | $120.19 | −0.90% | $204.85B | 18.1 | 15.8 | 2.5 | −22.1% |
| M&T Bank | $237.29 | −0.08% | $34.39B | 12.5 | 11.9 | 2.8 | +5.7% |
| Median | 12.9 | 11.9 | 2.6 | +9.9% |