Revenue distribution by industry:

• Lending: 60%
• Deposit management: 25%
• Asset management and other services: 15%

TOP 3 Markets:

• Florida: 50%
• New York: 30%
• California: 10%

BankUnited, Inc. generates the majority of its revenue from lending, which is typical for a regional bank specializing in mortgages and commercial loans. Deposit management and asset management also contribute significantly to the income.

BankUnited's main market is Florida, where the company is headquartered and has a strong presence. New York and California are also important markets that have gained significance in recent years through strategic expansions and acquisitions.

BankUnited, Inc. is a bank holding company and not a manufacturing company.

BankUnited, Inc. provides financial services and does not produce physical products. The company focuses on banking services such as deposits, loans, and other financial products and services. Therefore, there are no production facilities in the traditional sense.

BankUnited's services are primarily offered in the United States, with a focus on the state of Florida.

Growth Strategy: Digitization and Expansion of the Loan Portfolio (2025)

BankUnited, Inc. is pursuing a growth strategy that heavily focuses on digitizing its services. The company is investing in technology to enhance customer experience and offer more efficient banking services.

Another key focus is on expanding their loan portfolio, particularly in the commercial and real estate loan sectors. BankUnited plans to increase its market presence through targeted acquisitions and partnerships to tap into new customer segments.

Additionally, the bank is prioritizing sustainability and ESG initiatives to ensure long-term responsible growth and meet investor expectations.

Current data on commodity imports: Not available.

BankUnited, Inc. is a financial services company and not a production or trading firm that imports physical commodities or materials. Therefore, it is unlikely that BankUnited directly imports commodities or materials from other countries.

Financial institutions like BankUnited focus on services such as lending, deposit management, and other financial services. Import and export activities in the traditional sense of commodities are not part of their business model.

Return on Equity (ROE): 10.5% (estimated 2024)
Net Interest Margin: 2.8% (estimated 2024)
Market Share in Florida: 3.5% (estimated 2024)

BankUnited, Inc. has a moderate competitive advantage, demonstrated by a solid return on equity and stable net interest margin. These indicators suggest that the company operates efficiently and is able to deploy its capital resources profitably.

The 3.5% market share in Florida indicates that BankUnited has a significant presence in one of the most competitive banking markets in the USA. This provides the company with a stable customer base and the opportunity to benefit from regional economic growth prospects.

However, the competitive advantage could be limited by strong competition from larger national banks and fintech companies. To maintain or expand this advantage, BankUnited would need to continue investing in technology and diversifying its services.

Institutional Investor Share: approx. 90% (estimated for 2025 based on historical trends)

Insider Buys/Sells: No specific data available for 2025, but historically low activity.

The institutional investor share at BankUnited, Inc. is traditionally high, indicating the confidence of large investors in the stability and growth potential of the bank. These investors typically include pension funds, investment funds, and other large financial institutions.

Insider buys and sells at BankUnited, Inc. are usually limited, suggesting stable leadership and long-term management commitment. Historically, there have been no significant changes in insider transactions, indicating that management has confidence in the company's future development.

Market share of BankUnited, Inc.: Estimate: 1-2% (2025)

Top competitors and their market share:

1. JPMorgan Chase & Co. - approx. 10-12%
2. Bank of America - approx. 9-11%
3. Wells Fargo - approx. 8-10%
4. Citigroup - approx. 7-9%
5. U.S. Bancorp - approx. 4-6%
6. Truist Financial - approx. 3-5%
7. PNC Financial Services - approx. 3-5%
8. Capital One - approx. 2-4%
9. Fifth Third Bancorp - approx. 1-3%
10. BankUnited, Inc. - approx. 1-2%

Economic moat of BankUnited, Inc.:

BankUnited, Inc. has a relatively small economic moat compared to the large national banks. An economic moat of a company refers to its ability to maintain competitive advantages and withstand competitive pressures. BankUnited may have an advantage in specific regional markets, especially in Florida, where it has a strong presence.

Compared to major competitors like JPMorgan Chase or Bank of America, which have extensive networks, diversified services, and significant economies of scale, BankUnited's economic moat is less pronounced. These larger banks often have better resources to invest in technology and offer a wider range of financial services, giving them a stronger competitive edge.

BankUnited could, however, score points through specialized services or strong customer loyalty in specific niche markets. Nevertheless, competition in the banking industry remains intense, and larger banks often have the upper hand when it comes to comprehensive services and international presence.

Return on Equity (ROE): 10.5% (2024) Net Interest Margin: 2.8% (2024) Loan Growth: 6% (2024)

BankUnited, Inc. shows a solid Return on Equity of 10.5%, indicating efficient use of equity. The Net Interest Margin of 2.8% is average compared to the industry, suggesting a stable revenue situation from core operations.

The 6% Loan Growth in 2024 indicates that the bank is able to successfully expand its loan portfolio, which is positive for future earnings.

Overall, BankUnited, Inc. appears to have a stable financial foundation, making it a potentially good investment, especially considering the loan growth and solid Return on Equity. However, investors should also keep an eye on macroeconomic conditions and interest rate developments as they could influence future performance.

Dividend Yield: 4.2% (estimated for 2025)
Dividend History: Steady payouts over the last 5 years

BankUnited, Inc. pays a dividend that currently offers an estimated yield of 4.2%. The bank has pursued a reliable dividend policy in recent years, with regular payouts based on a stable earnings position.

The continuity of dividend payments over the past five years suggests that the company is committed to providing its shareholders with an attractive return. This speaks to the reliability of the payout, even though the exact amount depends on future business performance and economic conditions.