📊 BKU Key Takeaways
Investment Thesis
BankUnited demonstrates strong profitability with substantial net income of $268.4M and healthy free cash flow of $354.2M, supported by a conservative debt-to-equity ratio of 0.10x. However, the dramatic 98.8% revenue decline and critically low interest coverage ratio of 0.5x raise serious concerns about operational sustainability and debt servicing capability that overshadow otherwise solid balance sheet metrics.
BKU Strengths
- Strong absolute net income of $268.4M with 2.2% YoY growth despite revenue collapse
- Conservative leverage with debt-to-equity ratio of only 0.10x and substantial $3.1B stockholders equity
- Robust free cash flow of $354.2M providing financial flexibility and capital deployment capacity
BKU Risks
- Catastrophic 98.8% revenue decline signals severe operational distress or potential data anomaly requiring investigation
- Interest coverage ratio of 0.5x indicates insufficient operating income to cover interest obligations, creating debt sustainability risk
- Extremely elevated operating and net margins (1664.6% and 1234.8%) are atypical for banking sector and suggest data quality issues or one-time gains masking underlying problems
Key Metrics to Watch
- Revenue trajectory and normalization in subsequent quarters
- Interest coverage ratio improvement and debt service capability
- Net interest margin and core lending profitability metrics
- Asset quality indicators and loan loss provisions
- Return on assets improvement toward industry standards
BKU Financial Metrics
💡 AI Analyst Insight
The 1,629.9% 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 Profitability Ratios
BKU vs Default Sector
How BankUnited, Inc. compares to Default sector averages
Sector benchmarks are approximate industry averages. Actual sector performance may vary.
BKU Balance Sheet & Liquidity
BKU 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 Growth Metrics (YoY)
BKU Quarterly Performance
| Quarter | Revenue | Net Income | EPS |
|---|---|---|---|
| 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 |
| Q2 2023 | $5.3M | $58.0M | $0.78 |
Data sourced from SEC EDGAR 10-Q quarterly filings. Figures may represent quarterly or cumulative values.
BKU Capital Allocation
BKU SEC Filings
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 an AI rating of HOLD with 45% confidence, based on fundamental analysis of SEC EDGAR filings.
What are BKU's key strengths?
Strong absolute net income of $268.4M with 2.2% YoY growth despite revenue collapse. Conservative leverage with debt-to-equity ratio of only 0.10x and substantial $3.1B stockholders equity.
What are the risks of investing in BKU?
Catastrophic 98.8% revenue decline signals severe operational distress or potential data anomaly requiring investigation. Interest coverage ratio of 0.5x indicates insufficient operating income to cover interest obligations, creating debt sustainability risk.
What is BKU's revenue and growth?
BankUnited, Inc. reported revenue of $21.7M.
Does BKU pay dividends?
BankUnited, Inc. pays dividends, with $91.9M 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 $3.53.
How is the AI analysis conducted?
Our AI (Claude) analyzes publicly available SEC EDGAR filings including 10-K annual reports and 10-Q quarterly reports to evaluate financial health, profitability ratios, balance sheet strength, and growth metrics.