Filing Flows › Financials › BankUnited (BKU)
BankUnited (BKU) earnings and revenue breakdown
Latest: Q3 2026 · 10-Q filed Nov 5, 2026 · BankUnited (BKU) Q3 2026 earnings results →
Q3 2026 Revenue up 2% year over year to $280M · 26¢ of every $1 of revenue kept as net profit · operating margin 34.6%
BankUnited made $280M in Q3 2026 (+2% Y/Y): Net interest income $261M, Noninterest income $19.8M. Operating margin 34.6%, net earnings $72.2M. See where every dollar goes — costs, profit and cash — as a Sankey from the 10-Q filed Nov 5, 2026.
Drawing the Sankey…
Open the interactive Sankey → click any line for what the company wrote about it, compare Y/Y and Q/Q, export as PNG or PDF
What changed this quarter
Revenue was $280.4M in Q3 2026, up 2% year over year and down 1% from the previous quarter. Net interest income was the largest line at 93% of revenue. Net interest income added $10.5M year over year (up 4%), 221% of the total change. Noninterest income declined 23%.
Operating profit was $96.9M, a 34.6% margin (down 1.0 points year over year). Operating profit fell $1.0M even though revenue rose $4.8M versus Q3 2025, so costs grew faster than sales. Total costs grew 3% against revenue growth of 2%. Net earnings were $72.2M, roughly flat year over year. The effective tax rate was 25.5%.
Operating cash flow was $250.9M (up 152% year over year), 348% of net earnings. Non-cash charges added back $11.6M of depreciation and amortization and $5.7M of share-based compensation. Working capital and other items added $161.4M.
Quarterly history
| Quarter | Form | Filed | Revenue | Y/Y | Op. margin | Net earnings | Op. cash flow |
|---|---|---|---|---|---|---|---|
| Q3 2026 | 10-Q | Nov 5, 2026 | $280M | +2% | 34.6% | $72.2M | $251M |
| Q2 2026 | 10-Q | Aug 6, 2026 | $285M | +4% | 33.2% | $70.7M | $129M |
| Q1 2026 | 10-Q | May 7, 2026 | $274M | +7% | 29.9% | $61.9M | $18.3M |
| Q4 2025 | 10-K | Feb 26, 2026 | $288M | +9% | 31.2% | $69.3M | $125M |
| Q3 2025 | 10-Q | Nov 5, 2025 | $276M | +7% | 35.5% | $71.9M | $99.7M |
| Q2 2025 | 10-Q | Aug 5, 2025 | $274M | +10% | 34.3% | $68.8M | $118M |
| Q1 2025 | 10-Q | May 8, 2025 | $255M | +6% | 31.4% | $58.5M | $16.4M |
Charts
Interactive views
The same charts as the app — open one to draw it.
💵Where each $1 goesinteractive
Loading the interactive chart…
🌏Named in Asian annual reportsinteractive
Loading the interactive chart…
🔄Rotation against the market and its industry (RRG)interactive
Loading the interactive chart…
🔍Earnings qualityinteractive
Loading the interactive chart…
⚖️Fair value by methodinteractive
Loading the interactive chart…
🔭Outlook & guidanceinteractive
Loading the interactive chart…
📈Investments: gains and what it boughtinteractive
Loading the interactive chart…
🏭Its industry’s money flow (input-output)interactive
Loading the interactive chart…
About BankUnited
BankUnited, Inc., with total consolidated assets of $35.0 billion at December 31, 2025, is a bank holding company with one direct wholly-owned subsidiary, BankUnited, collectively, the Company. BankUnited, a national banking association headquartered in Miami Lakes, Florida, with operations in Florida, New York Tri-State, Dallas, Atlanta, and Charlotte. BankUnited provides a full range of consumer and commercial banking products and services to individuals, small businesses, middle-market companies, large corporations and institutions, and offers certain commercial lending and deposit products through national platforms and certain consumer deposit products through an online channel.
In its own words, from its 10-K, filed Feb 26, 2026.
BankUnited against its Savings Institution, Federally Chartered peers
The largest companies of the same SEC industry, each at its latest quarter. Revenue growth: +2% against the peers' median +8%. Operating margin: 34.6% against the peers' median 37.1%.
| Company | Quarter | Revenue | Y/Y | Op. margin |
|---|---|---|---|---|
| BKU BankUnited | Q3 2026 | $280M | +2% | 34.6% |
| AX Axos Financial | Q1 FY27 | $395M | +22% | 44.3% |
| EBC Eastern Bankshares | Q3 2026 | $307M | +27% | 45.7% |
| PFS Provident Financial Services | Q3 2026 | $239M | +8% | 38.8% |
| NRIM Northrim Bancorp | Q3 2026 | $69.9M | -9% | 26.8% |
| HTB HomeTrust Bancshares | Q3 2026 | $55.5M | +3% | 37.1% |
| KRNY Kearny Financial | Q1 FY27 | $45.3M | +4% | 28.0% |
| PDLB Ponce Financial Group | Q3 2026 | $34.8M | +30% | 35.5% |
| FMAO Farmers & Merchants Bancorp | Q3 2026 | $34.8M | +11% | 40.8% |
Source: BankUnited 10-Q on SEC EDGAR · CIK 1504008 · Savings Institution, Federally Chartered
Guidance and outlook
13F: who owns BKU and who is buying
More on BKU
History
Every quarter: Q3 2026 results · Q2 2026 results · Q1 2026 results · Q4 2025 results · Q3 2025 results · Q2 2025 results · Q1 2025 results