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BankUnited cash flow, quarter by quarter

Latest: Q3 2026 · from the cash-flow statements filed with the SEC

Free cash flow$251M in Q3 2026 · $523M over twelve months

Operating cash flow$251M
Free cash flow+$251M
Cash / net income3.5×

Analysis

In Q3 2026, BankUnited generated $251M of operating cash flow. That is $151M more than in Q3 2025 ($99.7M).

Over the twelve months to Sep 30, 2026, operating cash flow was $523M; the largest uses were buybacks ($253M), other financing ($244M), dividends ($95.3M); the cash balance fell by $134M.

Operating cash flow was $251M against net income of $72.2M — 3.5× profit, cash ran ahead of reported earnings. The largest differences: other liabilities +$117M, prepaid and other assets +$29.3M, depreciation & amortization +$11.6M.

Free cash flow

BankUnited: free cash flow by quarterBankUnited: free cash flow by quarter$186MQ4 2024$16.4MQ1 2025$118MQ2 2025$99.7MQ3 2025$125MQ4 2025$18.3MQ1 2026$129MQ2 2026$251MQ3 2026
Operating cash flow less capital spending.
BankUnited: operating cash flow against capital spendingBankUnited: operating cash flow against capital spendingOperating cash flowCapital spending$186M$0Q4 2024$16.4M$0Q1 2025$118M$0Q2 2025$99.7M$0Q3 2025$125M$0Q4 2025$18.3M$0Q1 2026$129M$0Q2 2026$251M$0Q3 2026
Latest (Q3 2026): Operating cash flow $251M, Capital spending $0.

Capital allocation, year by year

BankUnited: where the cash came from (up) and went (down), by fiscal yearBankUnited: where the cash came from (up) and went (down), by fiscal yearOperating cash flowNet borrowingShares issuedBuybacksDividendsFY2021: Operating cash flow $1.2BFY2021: Net borrowing −$3.2MFY2021: Shares issued $25KFY2021: Buybacks −$318MFY2021: Dividends −$85.8M$1.2BFY2021FY2022: Operating cash flow $1.3BFY2022: Net borrowing −$2.7MFY2022: Buybacks −$401MFY2022: Dividends −$79.4M$1.3BFY2022FY2023: Operating cash flow $657MFY2023: Net borrowing −$2.7MFY2023: Buybacks −$55.2MFY2023: Dividends −$79.1M$657MFY2023FY2024: Operating cash flow $434MFY2024: Net borrowing −$2.3MFY2024: Dividends −$85.5M$434MFY2024FY2025: Operating cash flow $359MFY2025: Net borrowing −$391MFY2025: Buybacks −$44.8MFY2025: Dividends −$91.9M$359MFY2025
Over these 5 years operating cash flow totalled $4.0B; the largest uses were buybacks ($820M) and dividends ($422M). Cash-flow statements as filed.

Cash runway and the debt wall

Cash & investments$425M
Debt$297M
Net cash$128M

BankUnited funds itself: free cash flow was $523M over the last twelve months, and $425M of cash and investments stands against $297M of debt.

Where the cash came from and went

BankUnited: sources (+) and uses (−) of cash, Q3 2026BankUnited: sources (+) and uses (−) of cash, Q3 2026Other financing−$290MOperating cash flow$251MOther investing$218MBuybacks−$98.0MCash drawn (+) / kept (−)−$57.3MDividends−$23.7M
BankUnited: sources (+) and uses (−) of cash, TTM to Q3 2026BankUnited: sources (+) and uses (−) of cash, TTM to Q3 2026Operating cash flow$523MBuybacks−$253MOther financing−$244MCash drawn (+) / kept (−)$134MDividends−$95.3MOther investing−$64.4M

From profit to cash

BankUnited: net income to operating cash flow, Q3 2026BankUnited: net income to operating cash flow, Q3 2026Net income$72.2MDepreciation & amortization$11.6MStock-based pay$5.7MDeferred taxes−$7.4MGains on investments$2.3MPrepaid and other assets$29.3MOther liabilities$117MOperating cash flow$251M
Non-cash charges are added back; money tied up in receivables or inventory is subtracted.

Every quarter

QuarterOperating cash flowBuybacksDividendsCash drawn (+) / kept (−)Free cash flow
Q3 2026$251M−$98.0M−$23.7M−$57.3M$251M
Q2 2026$129M−$50.6M−$24.2M$17.1M$129M
Q1 2026$18.3M−$60.0M−$24.1M−$167M$18.3M
Q4 2025$125M−$44.8M−$23.3M$342M$125M
Q3 2025$99.7M—−$23.3M$242M$99.7M
Q2 2025$118M—−$23.2M−$358M$118M
Q1 2025$16.4M—−$22.2M$47.4M$16.4M
Q4 2024$186M—−$21.6M$399M$186M

BankUnited: income statement and cash flow

BankUnited, Q3 2026: revenue $280M (+2% year over year), operating margin 34.6%. The chart follows the revenue to costs, profit and cash.

BankUnited: every quarter, Q/Q and Y/Y → Open in the app

Read automatically from the company’s XBRL cash-flow statements; quarterly figures for the fourth quarter are the year less the first three. Errors are possible. Not investment advice.