BankUnited, Inc.

BankUnited, Inc.

BKUยทNYSE

$45.59

-0.46%
Financial ServicesBanks - Regional

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 payment, and cash management services. Its loans portfolio includes commercial loans, including equipment loans, secured and unsecured lines of credit, formula-based loans, owner-occupied commercial real estate term loans and lines of credit, mortgage warehouse lines, 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 also offers online, mobile, and telephone banking services. As of December 31, 2021, it operated through a network of 63 banking centers located in 13 Florida counties; and 4 banking centers in the New York metropolitan area. The company was formerly known as BU Financial Corporation. BankUnited, Inc. was incorporated in 2009 and is headquartered in Miami Lakes, Florida.

At a Glance

Live Snapshot
Market Cap$3.31B
EPS3.5600
P/E Ratio12.81
Earnings Date07/22/2026
BankUnited, Inc.

BankUnited, Inc. Fair Value Envelope

BKU ยท NYSE

Our analysis suggests that BKU has a fair value of HIDDEN per share in the Base Case projection. With shares currently trading at $45.59, this represents a potential HIDDEN relative to our calculated worth for BankUnited, Inc..

Intrinsic Value
Current Price: $45.59

Owner Earnings Valuation Tool

Warren Buffett's Owner Earnings DCF analysis for intrinsic value calculation

Historical Financial Data

Base year metrics used for projections

$
%
$
%
$
$

Projection Settings

Forecast period and terminal assumptions

%
%

DCF Valuation Summary

Calculation flow from present value to intrinsic value per share

Present Value$1.5B
+ Cash & Equivalents$217.8M
Firm Value$1.7B
- Debt$2.0B
Equity Value-$244.9M
/ Shares Outstanding75,142,571B
DCF Value-$3
OVERVALUED BY 107%

Owner Earnings Projections

Operating Cash Flow - Maintenance CapEx = Owner Earnings

Metric
Year 1
Year 2
Year 3
Year 4
Year 5
Year 6
Year 7
Year 8
Year 9
Year 10
Operating Cash Flow
$296.5M
$245.1M
$202.6M
$167.5M
$138.5M
$114.5M
$94.7M
$78.3M
$64.7M
$53.5M
Maintenance CapEx
-$0
-$0
-$0
-$0
-$0
-$0
-$0
-$0
-$0
-$0
Owner Earnings
$296.5M
$245.1M
$202.6M
$167.5M
$138.5M
$114.5M
$94.7M
$78.3M
$64.7M
$53.5M
Discount Factor
0.926
0.857
0.794
0.735
0.681
0.630
0.583
0.540
0.500
0.463
Present Value
$274.5M
$210.1M
$160.9M
$123.1M
$94.3M
$72.1M
$55.2M
$42.3M
$32.4M
$24.8M
Terminal Value represents 27.9% of Enterprise Value