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
3Y-72.0%
5Y-59.0%
10Y+16.0%
3Y-90.0%
5Y-92.0%
10Y-94.0%
3Y-139.0%
5Y-122.0%
10Y-111.0%
BKU

BankUnited, Inc. Cash Conversion Engine

BKU ยท NYSE
Net Income268.35M
Depreciation & Amortization51.02M
Stock-Based Compensation20.47M
Change in Working Capital-129.73M
Others153.87M
Capital Expenditures0.00
Free Cash Flow358.61M

Cash Flow Quality Analysis

FCF Conversion Rate

133.6%

Excellent cash generation. The company converts earnings to cash at or above 100%, indicating high-quality earnings.

FCF Growth Trend

-17.3%

Significant FCF decline raises concerns. Urgent review needed of operational performance and capital allocation.

Working Capital Impact

-$129.73M

Moderate working capital outflow. Typical for growing businesses, but ensure it's supporting revenue growth, not inefficiency.

Cash Flow Quality Insight

Asset-light with strong cash conversion: Low capital requirements combined with efficient cash generation creates significant shareholder value through dividends, buybacks, or strategic investments.

BankUnited, Inc. Cash Flow Statement

BKU โ€ข NYSE

BankUnited, Inc. Cash Flow StatementDec 2025Dec 2024Dec 2023Dec 2022Dec 2021Dec 2020Dec 2019Dec 2018Dec 2017Dec 2016Dec 2015Dec 2014Dec 2013Dec 2012Dec 2011Dec 2010Dec 2009
OPERATING ACTIVITIES
268.4M
232.5M
178.7M
285M
415M
197.9M
313.1M
324.9M
614.3M
225.7M
251.7M
204.2M
208.9M
211.3M
63.2M
184.7M
119M
51M
60.1M
74.1M
77.6M
78.5M
72.5M
72.4M
64.3M
61.6M
56.4M
43.4M
31.6M
23.2M
15.1M
8M
3.4M
1.2M
-5.4M
-43.9M
-46.8M
1.4M
-9M
-27.6M
24.5M
67.8M
57.8M
30.2M
29.5M
-39.6M
8.2M
-72.2M
-15.1M
24.1M
-2.3M
20.5M
21.6M
19.6M
20.9M
15.9M
20.4M
23.4M
23.1M
22.7M
18M
16M
15.6M
13.9M
23.2M
144.8M
1.3M
0.0
153.9M
142.9M
327.5M
689.1M
687.9M
703.7M
263.8M
33M
-76.7M
-76.6M
-118.7M
-250.4M
-373.6M
-478M
-506.4M
-576M
-508M
(147.8M)
(101.8M)
(48.8M)
(0.0)
(248.5M)
(8.6M)
(229K)
(0.0)
(69.2M)
(16.5M)
(29.3M)
(130M)
(97.6M)
(258M)
(80.2M)
(197.2M)
(0.0)
-129.7M
20.6M
104.4M
219.8M
31.9M
-102.6M
-61.5M
311.2M
-360.9M
54.7M
-2.4M
-11.1M
52.2M
-50.9M
57M
-85.6M
37M
358.6M
433.8M
657.5M
1.3B
1.2B
864.2M
635.7M
824.3M
318.6M
308.5M
219.5M
-49.7M
-67.1M
-351.6M
-248.6M
-448.1M
-353.1M
INVESTING ACTIVITIES
(22.9M)
(148.3M)
(100.3M)
(52.2M)
-44.2M
-19.6M
-63.8M
-190.5M
-99.6M
-88.6M
-187.3M
-126.8M
-184.1M
-71.1M
-42.6M
-27.5M
-4.9M
(0.0)
(0.0)
(0.0)
(0.0)
(0.0)
(0.0)
(0.0)
(0.0)
(0.0)
(0.0)
-277.6M
(0.0)
(0.0)
-1.6M
(0.0)
-50.5M
(3.4B)
-4.1B
-2.7B
-950.4M
-3.4B
-5.9B
-4.3B
-4.3B
-4.4B
-3.4B
-3.3B
-2.2B
-1.6B
-1.1B
-1.3B
-2.1B
-1.5B
-1.8B
4.1B
2.8B
1.9B
2.9B
5B
3B
4.8B
2.9B
2.8B
2B
1.8B
761.5M
1.6B
1.6B
897.4M
913.7M
186.3M
-213.7M
187.4M
-106.7M
-1.6B
-691.6M
-1.3B
-1.5B
-275.7M
-1.8B
-2.5B
-3.7B
-2.8B
-2.9B
-15.5M
983.9M
1.6B
1.1B
-214.4M
(409.7M)
(980.6M)
-2.1B
-1.6B
-2.6B
-1.1B
-2B
-2.5B
-3.8B
-4.6B
-3.8B
-2.6B
(201M)
-235.9M
(965.5M)
(2.9B)
FINANCING ACTIVITIES
-44.8M
0.0
-55.2M
-401.3M
-318.5M
-101M
-154M
-300M
0.0
0.0
0.0
0.0
0.0
0.0
98.6M
2.5M
0.0
-1.8B
-2.2B
-305M
3.5B
-1.2B
-1.1B
-315M
25M
-469M
1.2B
1.1B
895M
495M
-310.6M
-25.3M
197.5M
-2.8B
-91.9M
-85.5M
-79.1M
-79.4M
-85.8M
-86.5M
-84.1M
-91.3M
-91.6M
-89.8M
-89M
-87.7M
-65.2M
-89M
-55.8M
-20M
(0.0)
-44.8M
(0.0)
-55.2M
-401.3M
-318.5M
-101M
-154M
-300M
(0.0)
(0.0)
(0.0)
(0.0)
(0.0)
(0.0)
(0.0)
(0.0)
(0.0)
1.5B
1.3B
-1.2B
-1.9B
2B
3.2B
825.5M
1.8B
2.4B
2.6B
3.5B
3B
2B
741.9M
205.9M
-489.2M
640.5M
-417.5M
-940.7M
-1.6B
1.1B
334.9M
1.9B
272.4M
1.4B
1.9B
3.7B
4.5B
3.8B
2.4B
342.2M
223.4M
-309.2M
-2.2B
CASH FLOW SUMMARY
-273.3M
-97.2M
15.6M
257.8M
-82.9M
183M
-167.4M
187.5M
-253.7M
180.8M
80M
-65.2M
-242.6M
191.6M
-261M
208.6M
356.2M
491.1M
588.3M
572.6M
314.9M
397.7M
214.7M
382.1M
194.6M
448.3M
267.5M
187.5M
252.7M
495.4M
303.7M
564.8M
356.2M
0.0
217.8M
491.1M
588.3M
572.6M
314.9M
397.7M
214.7M
382.1M
194.6M
448.3M
267.5M
187.5M
252.7M
495.4M
303.7M
564.8M
356.2M
358.6M
433.8M
657.5M
1.3B
1.2B
844.6M
571.9M
633.8M
219.1M
220M
32.2M
-176.6M
-251.2M
-422.7M
-291.2M
-475.6M
-358M

SEC Filings

BKU - Filing history and reports

Filing TypeFiling DatePeriod EndingFiscal YearActions
8-K

8-K 2026

N/A

May 21, 2026
May 21, 2026
2026
8-K

8-K 2026

N/A

May 12, 2026
May 11, 2026
2026
10-Q

10-Q 2026 Q1

Q1

May 07, 2026
March 31, 2026
2026
8-K

8-K 2026

N/A

April 22, 2026
April 22, 2026
2026
DEF 14A

DEF 14A 2025

N/A

April 10, 2026
December 31, 2025
2025
10-K

10-K 2025 FY

FY

February 26, 2026
December 31, 2025
2025
8-K

8-K 2026

N/A

February 11, 2026
February 11, 2026
2026
8-K

8-K 2026

N/A

January 21, 2026
January 21, 2026
2026
8-K

8-K 2025

N/A

November 21, 2025
November 19, 2025
2025
8-K

8-K 2025

N/A

November 10, 2025
November 10, 2025
2025
Showing 1 to 10 of 243 filings