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BankUnited

BKU
50
Banks - Regional · Financial Services
Winston Score
50
Winston is curious
Mixed quality — meaningful strengths and weaknesses.
Data as of Aug 23, 2026 · filings through Jun 30, 2026
How the score breaks down
Bank Quality
Good
Growth
Good
Capital Strength
Exceptional
Asset Quality
Mixed
Valuation
Good
Dividends
Good
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Winston Score History

The full picture

BankUnited is a regional bank based in Miami Lakes, Florida. It offers everyday banking services like checking and savings accounts, loans, and mortgages to individuals and businesses. The bank focuses mainly on customers in Florida and the New York metro area, and it is one of the larger independent regional banks in the southeastern United States.

BankUnited makes money the traditional banking way — it takes in deposits and lends that money out at higher interest rates, earning the difference. It operates roughly 70 branches, mostly in Florida, with some presence in New York. Its competitive position depends heavily on attracting low-cost deposits and managing credit quality in its loan portfolio. The main risk the bank faces is interest rate sensitivity — when rates shift, the gap between what it earns on loans and what it pays on deposits can shrink, putting pressure on profits.

Score breakdown

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Bank Quality

Return on owners' money
Return on Equity
9.2%
no trend
Below its cost of capital — 9.2%

Standard mid-range return on equity. Acceptable.

Profit on lending
Net Interest Margin
3.01%
no trend
Healthy — 3.01% net interest margin
Cost of running the bank
Efficiency Ratio
57.0%
no trend
Efficient — 57.0% efficiency ratio

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Growth

Sales growth
Sales YoY
-4.6%
Shrinking sales (-4.6% YoY)
Profit growth
EPS YoY
+5.2%
Modest earnings growth (+5.2% YoY)

Single-digit earnings growth — steady but not exciting.

How steady the profit is
EPS Consistency
7/8 quarters
Every recent quarter grew earnings vs last year

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Capital Strength

Safety cushion
Capital Ratio
12.9%
no trend
Fortress balance sheet — 12.9% CET1

A strong capital cushion. This bank is well padded against a bad year.

Asset Quality

Loans not being repaid
Non-Performing Loans
1.95%
no trend
Some stress — 1.95% non-performing loans

Between 1% and 2% of loans are struggling. Worth watching, but not alarming.

Loans written off
Net Charge-Offs
0.60%
no trend
Rising losses — 0.60% net charge-offs

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Valuation

Price vs profit
P/E Ratio (TTM)
12.8x
no trend
Attractive valuation — P/E 12.8

P/E in the normal range. Price is roughly $15 for every $1 of yearly profit.

Cheaper or dearer next year
P/E vs Forward
+0.9
GROWING
Earnings roughly flat

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Dividends

Dividend
Dividend Yield
2.72%
no trend
Moderate income — 2.72% yield

Standard yield zone for stable dividend payers. A meaningful piece of total return.

Dividend record
Dividend Growth
+6.7%
no trend
Dividend growing modestly (6.7% YoY)

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