BankUnited (BKU)
Commercial bank pairing regional relationship coverage with national specialty lending and deposit platforms.
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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
Target rangeAs of Sep 22, 2026
Latest analyst notes
| Date | Firm | Action | Prior | Current |
|---|---|---|---|---|
| Aug 10, 2026 | Wells Fargo | Reiterate | Rating: —Target: $50 | Target: $54 |
| Aug 3, 2026 | Barclays | Reiterate | Rating: —Target: $50 | Target: $48 |
| Jul 23, 2026 | RBC Capital | Reiterate | Rating: —Target: $53 | Target: $50 |
| Jul 23, 2026 | Barclays | Reiterate | Rating: —Target: $52 | Target: $50 |
| Jul 7, 2026 | Barclays | Reiterate | Rating: —Target: $55 | Target: $52 |
EPSReportedEstimate
RevenueReportedEstimate
Balance sheet, Jun 30, 2026Cash & short-term investments $9.69B · Total debt $2.21B · Total assets $34.88B · Shareholders' equity $3.00B
- Revenue
- $223.7M
- Operating income
- −$81.7M
- Net income
- $70.7M
HistoryDividendAnnual yield
| Institutions | ≈ 101.63% | 73.87M shares | |
|---|---|---|---|
| 350 holders · as of Jun 30, 2026 · largest filers plus last quarter's tail | |||
| Insiders | 0.94% | 683.2K shares | |
| 15 holders · as of Aug 21, 2026 | |||
| Strategic holders | 21.52% | 15.64M shares | |
| 2 holders · as of Mar 17, 2026 | |||
| Adds to | 124.09% | ||
72.68M company shares as of Aug 25, 2026 · institutions as of Jun 30, 2026 · holders as of their latest filing
This quarter's institutional total failed a plausibility check; shown: the largest filers plus last quarter's remainder.
These groups come from separate filings that can overlap, so they add to 124.09%; nothing is left for Other.
Top shareholders13F · 13D/G · Form 4
| Holder | Stake | Shares | Date |
|---|---|---|---|
BlackRock, Inc.Strategic | 15.82% | 11.50M | filed Jan 20, 2023 |
BlackRock, Inc.Institution | 14.72% | 10.70M | as of Jun 30, 2026 |
Vanguard Portfolio Management LLCInstitution | 6.85% | 4.98M | as of Jun 30, 2026 |
Dimensional Fund Advisors LPInstitution | 6.45% | 4.69M | as of Jun 30, 2026 |
State Street CorpInstitution | 6.23% | 4.53M | as of Jun 30, 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 |
- JPMorgan Chase
Money-center scale in Florida and New York banking
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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
Compare
| Company | Price | Change | |||||
|---|---|---|---|---|---|---|---|
| BankUnited | $43.73 | −0.11% | $3.18B | 12.3 | 10.3 | 1.7 | +3.9% |
| JPMorgan Chase | $337.86 | −0.63% | $911.03B | 14.6 | 14.0 | 3.1 | +27.8% |
| Bank of America | $55.83 | −0.66% | $398.83B | 12.9 | 11.4 | 2.0 | +19.3% |
| Truist Financial | $47.61 | −0.96% | $59.89B | 11.4 | 10.1 | 2.0 | +6.5% |
| PNC Financial Services Group | $226.04 | −0.84% | $90.96B | 12.5 | 11.1 | 2.6 | +21.4% |
| Valley National Bancorp | $13.01 | −0.84% | $7.27B | 10.9 | 9.2 | 2.4 | +13.3% |
| Regions Financial | $27.66 | −0.91% | $23.82B | 11.4 | 10.2 | 2.5 | +2.2% |
| Toronto-Dominion Bank | $120.82 | −1.49% | $207.22B | 18.5 | 16.6 | 2.6 | −22.1% |
| M&T Bank | $220.96 | −1.10% | $32.38B | 11.8 | 11.1 | 2.6 | +5.7% |
| Median | 12.2 | 11.1 | 2.5 | +9.9% |