BKU at a glance
BankUnited, Inc. (BKU, SEC CIK 1504008) filed its latest 10-K annual report on February 26, 2026, a 10-Q quarterly report on August 6, 2026, an 8-K current report on July 22, 2026 and Form 4 insider filings as recently as August 21, 2026. SignalX summarizes each filing with AI and tracks the company's insider trades and institutional holders.
- For the fiscal year ended December 31, 2025 (FY2025), BankUnited, Inc. (BKU) reported revenue of $21.7 million (up 7.4% from FY2024) and net income of $268.4 million. Diluted EPS was $3.53.
- As of June 30, 2026, 33 institutional investment managers tracked by SignalX reported holding BankUnited, Inc. (BKU) shares worth $1.9 billion in 13F-HR filings.
- The most recent insider open-market sale reported on Form 4 was by PAULS DOUGLAS J on August 13, 2026 of 3,000 shares at $47.90 per share.
- In the last 90 days, BKU insiders reported 0 open-market purchases ($0) and 1 open-market sale ($144K) on Form 4, a net sale of $144K.
Source: SEC EDGAR (XBRL financial data, 13F-HR and Form 4 filings).
- Revenue · FY2025
- $21.7M
- +7.4% vs prior year
- Insiders · 90 days
- 0 buys · 1 sell
- Net −$144K
- 13F holders
- 33 funds
- $1.9B · +2 vs prior quarter
- Latest 8-K
- Jul 22, 2026
- Item 2.02
AI 10-K Annual Report Analysis
Latest 10-K, fiscal year ended Dec 31, 2025
Business Overview
- Core business model: regional bank providing deposit, lending, and financial services with emphasis on regulatory compliance and risk management
- Emphasis on enhanced anti-money laundering programs and data privacy compliance under evolving regulations in FY2026
- Strategic growth dependent on regulatory approval for acquisitions and de novo branch expansions, with increased regulatory scrutiny noted this year
- Heightened focus on managing FDIC insurance premium risks amid potential future assessment increases affecting financial condition
- Noteworthy regulatory risk management framework limitations acknowledged, highlighting vulnerability to unknown or unanticipated risks impacting results
Risk Factors
- ACL sensitive to macroeconomic scenarios; downside scenario could increase allowance for credit losses by $111 million
- Exposure to U.S. commercial real estate loans with ACL to CRE office loans at 2.03% amid uncertain collateral values
- Wholesale funding reliance reduced, but FHLB advances still represent $2.9 billion as of December 31, 2025
- Competitive pressure on deposit pricing from lower Federal funds rate causing average deposit costs to decline to 3.39% in 2025
- Key-person risk in credit loss estimation due to reliance on management’s complex judgment and modeling for ACL calculations
Management Discussion & Analysis
- No profitability or margin figures provided
- No segment performance data given
- No cash flow, buybacks, dividends, or capex dollar amounts mentioned
- Forward-looking risks: competition for deposits, economic conditions, interest rate uncertainty, ability to grow core client relationships, talent attraction, and technology delivery
AI summary of the BKU 10-K filed . Generated from the filing text; verify against the original.View on SEC EDGARHow to read a 10-K
AI 10-Q Quarterly Report Analysis
Latest 10-Q, quarter ended Jun 30, 2026
Management Discussion & Analysis
- Q2 2026 net income $70.7M; no quarterly revenue figure disclosed
- Net interest margin 3.06% vs 2.93% YoY; net interest income $259.2M vs $249.5M
- NIDDA increased $1B; wholesale funding declined $1.4B
- Total loans declined $206M; core loans increased $195M
- Share repurchases of 1.1M shares for $50.1M; headcount investments and higher deposit costs remained headwinds
Risk Factors
- No material changes to risk factors since the 2025 Form 10-K filed February 26, 2026
- Carried-forward regulatory risk, including banking supervision and compliance obligations
- Carried-forward credit risk from borrower defaults and deterioration in loan portfolios
- Carried-forward interest-rate risk affecting net interest income and funding costs
- Carried-forward liquidity risk affecting the Company’s ability to meet funding obligations
AI summary of the BKU 10-Q filed . Generated from the filing text; verify against the original.View on SEC EDGAR10-K vs 10-Q vs 8-K
AI 8-K Current Report Analysis
The most recent material events, by 8-K item
Item 2.02: Results of Operations and Financial Condition
- BankUnited reported second-quarter results for the period ended June 30, 2026
- Press release and supplemental slides furnished as Exhibits 99.1 and 99.2
Item EX-99.1: Item EX-99.1
- 2Q26 net income $70.7M and diluted EPS $0.97, up from $61.9M and $0.83 in 1Q26
- NIM expanded to 3.06% from 2.99%, supported by lower deposit costs and stronger non-interest-bearing deposit mix
Item 5.02: Departure/Appointment of Directors or Principal Officers
- CFO James Mackey’s change-in-control protection converted from retention bonus to double-trigger severance
- Eligibility requires termination without cause or resignation for good reason within two years after a change in control
Item 2.02: Results of Operations and Financial Condition
- BankUnited reported first-quarter 2026 results for the period ended March 31, 2026
- Press release and supplemental presentation furnished as Exhibits 99.1 and 99.2
Item EX-99.1: Item EX-99.1
- 1Q26 net income $61.9M and diluted EPS $0.83, up from $0.78 year over year but down from $0.90 sequentially
- NIM 2.99%, up 18 bps year over year despite seasonal pressure, while PPNR rose 12% to $106.3M
AI summaries of BKU 8-K current reports filed with the SEC. What 8-K item codes mean
SignalX for BKU
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- Alerts as it files. A push when BKU files an 8-K or an insider trades.
- Fund moves. Which tracked funds opened, added or cut BKU, by share count.
- Ask anything. An AI agent that reads every BKU filing and answers with sources.
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Recent Insider Transactions (Form 4)
Latest reported trades by officers, directors and 10% owners
| Insider | Type | Date | Shares | Price |
|---|---|---|---|---|
| Mackey James G. | M | Aug 20, 2026 | 8,937 | - |
| Mackey James G. | M | Aug 20, 2026 | 8,937 | - |
| Mackey James G. | F | Aug 20, 2026 | 3,517 | $46.83 |
| PAULS DOUGLAS J | Sell | Aug 13, 2026 | 3,000 | $47.90 |
| Richards Jay D. | Sell | Jun 15, 2026 | 4,000 | $48.67 |
| DiGiacomo John N. | Sell | Jun 1, 2026 | 1,000 | $45.97 |
| DiGiacomo John N. | A | May 21, 2026 | 1,511 | - |
| Rubenstein William S. | A | May 21, 2026 | 1,511 | - |
Financial SummaryXBRL
| Metric | FY2023 | FY2024 | FY2025 | |
|---|---|---|---|---|
| Profitability | ||||
| Revenue | $21.7M | $20.2M | $21.7M | |
| Net Income | $178.7M | $232.5M | $268.4M | |
| Net Margin | 824.1% | 1149.3% | 1234.8% | |
| Balance Sheet | ||||
| Total Assets | $35.8B | $35.2B | $35.0B | |
| Equity | $2.6B | $2.8B | $3.1B | |
| ROE | 6.9% | 8.3% | 8.8% | |
| Per Share | ||||
| EPS | $2.38 | $3.08 | $3.53 | |
| Cash Flow | ||||
| Operating CF | $657.5M | $433.8M | $358.6M | |
Source: XBRL data in BankUnited, Inc. (BKU)'s 10-K filings on SEC EDGAR, in USD. Compare across companies →
13F Fund Holdings: Quarterly Trend
Latest: Q2 2026Aggregate BKU share value held by 13F filers tracked by SignalX, by quarter.
Quarterly totals table
| Quarter | Funds | Total value |
|---|---|---|
| Q2 2026 | 33 | $1.90B |
| Q1 2026 | 31 | $1.81B |
| Q4 2025 | 28 | $1.83B |
| Q3 2025 | 28 | $1.68B |
| Q2 2025 | 28 | $1.61B |
| Q1 2025 | 25 | $1.09B |
| Q4 2024 | 21 | $1.03B |
| Q3 2024 | 19 | $634.8M |
- JPMorgan Chase & Co+149.2K (+11%)
- BNY Mellon+122.8K (+15%)
- Franklin Resources+88.5K (+82%)
- State Street Corp+78.3K (+2%)
- Ameriprise Financial+72.6K (+6%)
- Millennium Management−559.5K (-37%)
- Citadel Advisors LLC−384.4K (-64%)
- Morgan Stanley−378.6K (-33%)
- BlackRock−184.6K (-2%)
- Bank of America Corp−100.7K (-12%)
- Mangrove Partners+9.0K
- D.E. Shaw & Co+4.9K
Source: 13F-HR filings on SEC EDGAR (aggregated from 213 fund-quarter rows). Reflects only 13F filers tracked by SignalX, not the full institutional ownership universe. How 13F filings work
BKU filing archive
AI analysis pages for each 10-K, 10-Q and 8-K
10-K annual reports
10-Q quarterly reports
8-K current reports
Latest 2026 SEC Filings: 10-K, 10-Q, 8-K & Form 4
| Form | Filing date | Period | Analysis | SEC |
|---|---|---|---|---|
| 4 | Aug 21, 2026 | - | - | - |
| 4 | Aug 13, 2026 | - | - | - |
| 10-Q | Aug 6, 2026 | Jun 30, 2026 | Analysis | |
| 8-K | Jul 22, 2026 | - | Analysis | - |
| 4 | Jun 16, 2026 | - | - | - |
| 4 | Jun 2, 2026 | - | - | |
| 4 | May 21, 2026 | - | - | |
| 4 | May 21, 2026 | - | - | |
| 4 | May 21, 2026 | - | - | |
| 4 | May 21, 2026 | - | - | |
| 4 | May 21, 2026 | - | - | |
| 4 | May 21, 2026 | - | - | |
| 4 | May 21, 2026 | - | - | |
| 4 | May 21, 2026 | - | - | |
| 8-K | May 12, 2026 | - | Analysis | |
| 10-Q | May 7, 2026 | Mar 31, 2026 | Analysis | |
| SC 13G | Apr 29, 2026 | - | - | |
| SC 13G | Apr 28, 2026 | - | - | |
| 8-K | Apr 22, 2026 | - | Analysis | - |
| 4 | Apr 2, 2026 | - | - | - |
| 4 | Apr 2, 2026 | - | - | - |
| 4 | Apr 2, 2026 | - | - | - |
| 4 | Apr 2, 2026 | - | - | - |
| SC 13G | Mar 17, 2026 | - | - | |
| 4 | Mar 11, 2026 | - | - | - |
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BKU SEC filings: frequently asked questions
Are BKU insiders buying or selling?
In the last 90 days, BankUnited, Inc. (BKU) officers, directors and 10% owners reported no open-market purchases and 1 open-market sale worth $143,700 by 1 insider on Form 4. Many insider sales are pre-planned or for taxes, so purchases usually carry more information.
Which institutions hold BKU stock?
As of June 30, 2026, the largest BankUnited, Inc. (BKU) holders among the 13F filers tracked by SignalX were BlackRock ($518.5 million), Vanguard Portfolio Management LLC ($241.1 million), Dimensional Fund Advisors ($227.3 million), State Street Corp ($219.5 million), Vanguard Capital Management LLC ($158.6 million). 13F-HR reports are filed up to 45 days after each quarter ends.
What was BKU's revenue in fiscal year 2025?
For the fiscal year ended December 31, 2025 (FY2025), BankUnited, Inc. (BKU) reported revenue of $21.7 million (up 7.4% from FY2024) and net income of $268.4 million. Diluted EPS was $3.53. The figures come from the XBRL data in the 10-K.
What are the main risks in BKU's latest 10-K?
In the 10-K filed February 26, 2026, BankUnited, Inc. (BKU) flagged: ACL sensitive to macroeconomic scenarios; downside scenario could increase allowance for credit losses by $111 million. Exposure to U.S. commercial real estate loans with ACL to CRE office loans at 2.03% amid uncertain collateral values. (AI summary of the Risk Factors section.)
What did BKU report in its latest 8-K?
BankUnited, Inc. (BKU) filed an 8-K on July 22, 2026 reporting Item 2.02 (Results of Operations and Financial Condition). BankUnited reported second-quarter results for the period ended June 30, 2026.
What are the latest BKU SEC filings?
BankUnited, Inc. (BKU) filed its latest 10-K annual report on February 26, 2026, a 10-Q quarterly report on August 6, 2026, an 8-K current report on July 22, 2026 and a Form 4 insider filing on August 21, 2026.
What is BKU's SEC CIK number?
BankUnited, Inc. (BKU)'s SEC Central Index Key (CIK) is 1504008. EDGAR lists every BKU filing under that number.
Ask anything about BKU
The research agent reads BKU's filings, financials, insider trades and 13F holders, then answers with sources.