BankUnited, Inc. (BKU)

BankUnited reported positive financial results in the past six months, announcing increased net income and EPS for Q3 2025, with an expanded net interest margin. The company redeemed $400 million of outstanding senior debt, positively impacting its funding mix. The stock price has increased by 12.70% over the last six months. KBRA affirmed BankUnited's ratings but assigned a Negative Outlook, citing weakened earnings power and reliance on market-priced wholesale funding.

BankUnited experiences demand seasonality in certain product and service areas, specifically in the title solutions and government banking verticals. These seasonal patterns contribute to declines in non-interest bearing demand deposits and non-brokered deposits, particularly in the third quarter. The bank generally observes an early-year deposit growth and an end-of-year asset growth on the loan side.

BankUnited's core business revolves around commercial lending and deposit services, offering commercial loans, real estate loans, and treasury solutions. For individual customers, BankUnited provides consumer deposit products, mortgage and home equity loans, and personal loans. The bank also offers specialized services like SBA lending, HOA banking, national title solutions, alternative funds group, and ESG focused loans. Digital banking services are also key offerings.

BankUnited is headquartered in Miami Lakes, Florida, with a significant presence throughout Florida, the New York metropolitan area, and Dallas, Texas. The company also maintains a wholesale office in Atlanta, targeting the Southeast region, and has operations in Morristown, New Jersey, and Charlotte, North Carolina.

BankUnited has a positive brand reputation, recognized as one of America's Most Trustworthy Companies by Newsweek in 2025. The company has been acknowledged as a top-performing financial institution by industry sources, including being ranked as the #1 South Florida Community Bank based on assets. A Community Reinvestment Act (CRA) performance evaluation assigned BankUnited a "Satisfactory" rating. BankUnited's participation in programs like the Paycheck Protection Program (PPP) and Main Street Lending Program, along with its efforts to provide temporary relief to customers during the COVID-19 pandemic, have positively contributed to its public image.

BankUnited, Inc. is primarily owned by institutional investors, who collectively hold 103.35% of the company's shares, while individual insiders own 59.67%. Major institutional owners include Blackrock Inc., Vanguard Group Inc., Dimensional Fund Advisors LP, State Street Corp, and Jpmorgan Chase Co. Carlyle Group Management LLC is noted as the largest individual shareholder.