The bank maintains a thin capital cushion with an equity-to-assets ratio of 0.09, while total assets remain range-bound at $35.4 billion as of 2026Q1.
| Metric | TTM | Dec'25 | Dec'24 | Dec'23 | Dec'22 | Dec'21 | Dec'20 | Dec'19 | Dec'18 | Dec'17 | Dec'16 | Dec'15 | Dec'14 | Dec'13 | Dec'12 | Dec'11 | Dec'10 | Dec'09 |
|---|
| Cash & Short Term Investments | 11.87B | 217.78M | 491.12M | 588.28M | 572.65M | 314.86M | 397.72M | 214.67M | 382.07M | 6.88B | 6.52B | 5.13B | 4.77B | 3.89B | 4.66B | 4.48B | 560.21M | 356.21M |
| Cash & Due from Banks | 13.34M | 217.78M | 491.12M | 588.28M | 572.65M | 314.86M | 397.72M | 214.67M | 382.07M | 194.58M | 448.31M | 267.5M | 180.84M | 250.64M | 491.42M | 300.54M | 560.21M | 356.21M |
| Short Term Investments | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 6.68B | 6.07B | 4.86B | 4.59B | 3.64B | 4.17B | 4.18B | 0 | 0 |
| Total Investments | 33.95B | 9.4B | 33.41B | 33.62B | 34.79B | 33.84B | 33.01B | 31.11B | 30.34B | 28.26B | 25.65B | 21.65B | 17.11B | 12.77B | 9.82B | 8.42B | 6.81B | 6.83B |
| Investments Growth % | -71.21% | -71.85% | -0.62% | -3.36% | 2.8% | 2.52% | 6.1% | 2.54% | 7.34% | 10.18% | 18.5% | 26.54% | 33.94% | 30.07% | 16.61% | 23.75% | -0.39% | - |
| Long-Term Investments | 99.49B | 9.4B | 33.41B | 33.62B | 34.79B | 33.84B | 33.01B | 31.11B | 30.34B | 21.58B | 19.58B | 16.79B | 12.52B | 9.14B | 5.65B | 4.24B | 6.81B | 6.83B |
| Accounts Receivables | 0 | 24.05B | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 10.86M | 0 |
| Goodwill & Intangibles | 77.64M | 77.64M | 77.64M | 77.64M | 77.64M | 77.64M | 77.64M | 77.67M | 77.72M | 77.8M | 78.05M | 78.33M | 68.41M | 69.07M | 69.77M | 68.67M | 69.01M | 60.98M |
| Goodwill | 77.64M | 77.64M | 77.64M | 77.64M | 77.64M | 77.64M | 77.64M | 0 | 77.72M | 77.8M | 78M | 78M | 67M | 67M | 67.23M | 67.23M | 67.23M | 0 |
| Intangible Assets | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 77.67M | 0 | 0 | 47K | 330K | 1.41M | 2.07M | 2.54M | 1.44M | 1.78M | 60.98M |
| PP&E (Net) | 150.21M | 171.37M | 223.84M | 371.91M | 539.8M | 640.73M | 663.52M | 698.15M | 702.35M | 599.5M | 539.91M | 483.52M | 314.56M | 196.48M | 38.73M | 70.6M | 35.65M | 0 |
| Other Assets | 1.16B | 305.31M | 1.04B | 1.11B | 1.05B | 943.52M | 865.68M | 773.65M | 664.18M | 1.21B | 1.1B | 1.3B | 1.42B | 1.69B | 1.89B | 2.44B | 3.39B | 3.86B |
| Total Current Assets | 13.34M | 24.27B | 491.12M | 588.28M | 572.65M | 314.86M | 397.72M | 214.67M | 382.07M | 6.88B | 6.52B | 5.13B | 4.77B | 3.89B | 4.67B | 4.49B | 571.07M | 356.21M |
| Total Non-Current Assets | 35.35B | 9.96B | 34.75B | 35.17B | 36.45B | 35.5B | 34.61B | 32.66B | 31.78B | 23.47B | 21.36B | 18.76B | 14.44B | 11.16B | 7.71B | 6.84B | 10.3B | 10.77B |
| Total Assets | 35.36B | 35.04B | 35.24B | 35.76B | 37.03B | 35.82B | 35.01B | 32.87B | 32.16B | 30.35B | 27.88B | 23.88B | 19.21B | 15.05B | 12.38B | 11.32B | 10.87B | 11.13B |
| Asset Growth % | -0.95% | -0.57% | -1.45% | -3.42% | 3.38% | 2.3% | 6.51% | 2.2% | 5.99% | 8.85% | 16.73% | 24.32% | 27.67% | 21.58% | 9.31% | 4.16% | -2.34% | - |
| Return on Assets (ROA) | 0.77% | 0.76% | 0.65% | 0.49% | 0.78% | 1.17% | 0.58% | 0.96% | 1.04% | 2.11% | 0.87% | 1.17% | 1.19% | 1.52% | 1.78% | 0.57% | 1.68% | 1.07% |
| Accounts Payable | 0 | 29.35B | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 114.01M |
| Total Debt | 2.07B | 1.97B | 3.64B | 5.82B | 6.33B | 2.83B | 4.03B | 5.01B | 5.37B | 5.17B | 5.64B | 4.41B | 3.32B | 2.41B | 1.93B | 2.24B | 2.26B | 2.08B |
| Net Debt | 2.06B | 1.76B | 3.15B | 5.24B | 5.76B | 2.51B | 3.63B | 4.8B | 4.99B | 4.98B | 5.19B | 4.14B | 3.14B | 2.16B | 1.43B | 1.94B | 1.69B | 1.72B |
| Long-Term Debt | 297.02M | 319.74M | 3.61B | 5.8B | 6.11B | 2.6B | 3.81B | 4.88B | 5.19B | 5.16B | 5.63B | 4.4B | 3.31B | 2.41B | 1.92B | 2.24B | 2.26B | 2.08B |
| Short-Term Debt | 1.75B | 1.58B | 0 | 0 | 190M | 199M | 180M | 100M | 175M | 0 | 0 | 0 | 0 | 0 | 0 | 206K | 492K | 2.97M |
| Other Liabilities | 30.27B | 30.01B | 923.17M | 821.24M | 750.47M | 514.12M | 506.17M | 486.08M | 392.52M | 268.62M | 328.68M | 290.06M | 327.68M | 171.21M | 106.11M | 185.5M | 192.01M | 172.9M |
| Total Current Liabilities | 1.75B | 1.58B | 27.87B | 26.54B | 27.7B | 29.64B | 27.68B | 24.49B | 23.65B | 21.88B | 19.49B | 16.94B | 13.51B | 10.53B | 8.54B | 7.36B | 7.16B | 7.78B |
| Total Non-Current Liabilities | 30.59B | 30.5B | 4.56B | 6.65B | 6.89B | 3.14B | 4.35B | 5.4B | 5.59B | 5.44B | 5.97B | 4.7B | 3.65B | 2.59B | 2.03B | 2.42B | 2.45B | 2.25B |
| Total Liabilities | 32.34B | 31.99B | 32.43B | 33.18B | 34.59B | 32.78B | 32.03B | 29.89B | 29.24B | 27.32B | 25.46B | 21.64B | 17.16B | 13.12B | 10.57B | 9.79B | 9.62B | 10.04B |
| Total Equity | 3.02B | 3.05B | 2.81B | 2.58B | 2.44B | 3.04B | 2.98B | 2.98B | 2.92B | 3.03B | 2.42B | 2.24B | 2.05B | 1.93B | 1.81B | 1.54B | 1.25B | 1.09B |
| Equity Growth % | 29.98% | 8.51% | 9.17% | 5.83% | -19.81% | 1.84% | 0.07% | 1.95% | -3.38% | 25.13% | 7.78% | 9.32% | 6.42% | 6.75% | 17.68% | 22.48% | 14.55% | - |
| Equity / Assets (Capital Ratio) | 8.53% | 8.72% | 7.99% | 7.21% | 6.58% | 8.48% | 8.52% | 9.07% | 9.09% | 9.97% | 8.67% | 9.4% | 10.68% | 12.82% | 14.6% | 13.56% | 11.53% | 9.83% |
| Return on Equity (ROE) | 9.02% | 9.15% | 8.62% | 7.13% | 10.41% | 13.79% | 6.64% | 10.61% | 10.92% | 22.56% | 9.68% | 11.71% | 10.26% | 11.19% | 12.64% | 4.53% | 15.74% | 10.88% |
| Book Value per Share | 39.19 | 39.68 | 38.04 | 35.06 | 30.91 | 33.60 | 32.52 | 31.16 | 28.09 | 28.59 | 23.33 | 21.79 | 20.40 | 19.33 | 19.26 | 16.06 | 12.93 | 11.81 |
| Tangible BV per Share | 38.18 | 38.67 | 36.99 | 34.01 | 29.93 | 32.74 | 31.67 | 30.35 | 27.35 | 27.85 | 22.58 | 21.03 | 19.72 | 18.64 | 18.51 | 15.34 | 12.21 | 11.15 |
| Common Stock | 734K | 741K | 747K | 744K | 757K | 856K | 931K | 951K | 991K | 1.07M | 1.04M | 1.04M | 1.02M | 1.01M | 950K | 977K | 930K | 928K |
| Additional Paid-in Capital | 209.27M | 271.69M | 301.67M | 283.64M | 321.73M | 707.5M | 1.02B | 1.08B | 1.22B | 1.5B | 1.43B | 1.41B | 1.35B | 1.33B | 1.31B | 1.24B | 950.83M | 946.82M |
| Retained Earnings | 3.01B | 2.97B | 2.8B | 2.65B | 2.55B | 2.35B | 2.01B | 1.93B | 1.7B | 1.47B | 949.68M | 813.89M | 651.63M | 535.26M | 413.38M | 276.22M | 269.78M | 119.05M |
| Accumulated OCI | -203.08M | -189.59M | -284.54M | -357.42M | -437.9M | -15.94M | -49.15M | -31.83M | 4.87M | 54.99M | 41.25M | 22.18M | 46.35M | 57.48M | 83.98M | 18.02M | 31.97M | 27.25M |
| Treasury Stock | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Preferred Stock | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 54K | 0 | 0 | 0 |
CRE concentration and funding
According to recent financial statements, BankUnited's total assets have remained largely range-bound near $35.4 billion as of 2026Q1, suggesting that the firm is struggling to achieve meaningful organic expansion while navigating a challenging interest rate environment and heightened regulatory scrutiny of its commercial lending portfolio.
The lack of significant asset growth over the last ten quarters implies that the bank is prioritizing balance sheet stability over aggressive market share acquisition. This trend warrants investigation into whether the firm is intentionally de-risking or if it is constrained by capital requirements and competitive pressures in its core Florida and New York markets.
As reported in quarterly filings, BankUnited's equity-to-assets ratio has hovered at approximately 0.09 as of 2026Q1, indicating a thin capital cushion that may limit the bank's flexibility to absorb potential credit losses or pursue strategic capital deployment in a volatile macroeconomic climate.
The consistent equity-to-assets ratio suggests a management team focused on maintaining regulatory compliance rather than building a significant capital buffer. Investors should monitor whether this level of capitalization is sufficient to support the bank's commercial-heavy loan book if credit conditions deteriorate further.
Based on BKU's reported figures, cash and cash equivalents plummeted to just $13.3 million in 2026Q1 from $217.8 million in the prior quarter, highlighting a potential reliance on securities portfolio rotation to manage immediate liquidity needs in the face of shifting interest rate expectations.
The dramatic reduction in cash balances suggests that the bank is actively deploying liquidity into its securities portfolio, which may expose the firm to duration risk. This strategy appears to prioritize yield over immediate liquidity, which could prove problematic if deposit volatility increases unexpectedly.
As indicated by the $34.0 billion investment securities balance in 2026Q1, BankUnited maintains a massive securities portfolio relative to its total assets, which may hide significant unrealized losses and duration mismatches that are not immediately apparent in the headline equity figures.
The heavy concentration in investment securities suggests that the bank's balance sheet is highly sensitive to interest rate fluctuations. This positioning may create a false sense of stability, as the market value of these assets could be significantly lower than their carrying value in a sustained high-rate environment.
Quick answers to the most common questions about buying BKU stock.
As of 2025, BankUnited, Inc. (BKU) had total assets of $35.04B including $24.27B in current assets.
BankUnited, Inc. (BKU) carries total debt of $1.97B. Comparing total debt to cash helps evaluate the company's debt burden and net leverage.
BankUnited, Inc. (BKU) has total shareholders' equity (book value) of $3.05B ($39.68 book value per share). Book value represents the net worth of the company belonging to common stock holders.
BankUnited, Inc. (BKU) reported a current ratio of 15.41x. A current ratio above 1.0x indicates that the company has more current assets than current liabilities, suggesting sufficient short-term liquidity.