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BankUnitedBKU -0.17%72 Debt-to-Equity is 0.65 as of Jun. 2026, which is 63% below its 10-year median of 1.74. GuruFocus rates BKU with a GF Score™ of 72/100 and a GF Value™ of $42.17 (Modestly Overvalued). The stock has 7 warning signs investors should review. Among 1,421 Banks companies, BankUnited ranks worse than 54.26% on this metric.
A high debt to equity ratio generally means that a company has been aggressive in financing its growth with debt. This can result in volatile earnings as a result of the additional interest expense.
The historical rank and industry rank for BankUnited's Debt-to-Equity or its related term are showing as below:
BKU'
s Debt-to-Equity Range Over the Past 10 Years
Min: 0.61 Med: 1.74 Max: 3.33
Current: 0.65
During the past 13 years, the highest Debt-to-Equity Ratio of BankUnited was 3.33. The lowest was 0.61. And the median was 1.74.
BKU's Debt-to-Equity is ranked worse than 54.26% of 1421
companies
in the Banks industry
Industry Median: 0.58
vs BKU: 0.65
Because a company can increase its ROE % by having more financial leverage, it is important to watch the leverage ratio when investing in high ROE % companies.
BankUnited Debt-to-Equity Related Terms
BankUnited Debt-to-Equity Historical Data
* Premium members only.
The historical data trend for BankUnited's Debt-to-Equity can be seen below:
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
For the Banks - Regional subindustry, BankUnited's Debt-to-Equity, along with its competitors' market caps and Debt-to-Equity data, can be viewed below:
* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.
BankUnited Debt-to-Equity vs Banks Industry
For the Banks industry and Financial Services sector, BankUnited's Debt-to-Equity distribution charts can be found below:
* The bar in red indicates where BankUnited's Debt-to-Equity falls into.
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
BankUnited (BKU) has a Debt-to-Equity of 0.65 as of Jun. 2026. Debt-to-Equity ratio represents the ratio of total debt to total company equity. View historical data on BankUnited and its competitors. This is 63% below median its historical median of 1.74. Over the past decade, BankUnited's Debt-to-Equity has ranged from 0.61 to 3.33. According to the industry distribution chart, BankUnited ranks #771 out of 1421 companies in the Banks industry, placing it in the top 54.3%.
Is BankUnited's Debt-to-Equity too high?
BankUnited's current Debt-to-Equity of 0.65 is 63% below median its 10-year median of 1.74. Over the past 10 years, this metric has ranged from a low of 0.61 to a high of 3.33. The Banks industry median Debt-to-Equity is 0.58. BankUnited's value of 0.65 is 12.1% above this industry median. Based on the distribution chart, BankUnited ranks #771 out of 1421 companies in the Banks industry, which is below the industry midpoint. Overall, BankUnited has a GF Score™ of 72/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does BankUnited's Debt-to-Equity compare to SFNC and TOWN?
According to the Banks industry distribution chart, BankUnited ranks #771 out of 1421 companies for Debt-to-Equity. This places BankUnited in the lower half of its industry. The industry median Debt-to-Equity is 0.58. BankUnited's value of 0.65 is 12.1% above this benchmark. Historically, BankUnited's own Debt-to-Equity has ranged from 0.61 to 3.33 over the past decade. While the company's 10-year median is 1.74 vs. the industry median of 0.58, BankUnited has consistently been above the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Debt-to-Equity for a Banks company?
The median Debt-to-Equity among Banks companies is 0.58, based on 1,421 companies in the industry. Companies in the top quartile (top 25%) have a Debt-to-Equity significantly above this median, while those in the bottom quartile fall well below. However, Debt-to-Equity should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. BankUnited's current Debt-to-Equity of 0.65 is 12.1% above the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Debt-to-Equity mean?
A high Debt-to-Equity can signal that a stock is expensive relative to its fundamentals. Debt-to-Equity ratio represents the ratio of total debt to total company equity. View historical data on BankUnited and its competitors. For the Banks industry, the median Debt-to-Equity is 0.58 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. BankUnited's current Debt-to-Equity is 0.65, which is 63% below median its own 10-year median of 1.74. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is BankUnited stock overvalued right now?
Based on GuruFocus' analysis, BankUnited (BKU) is currently considered Modestly Overvalued. The stock's GF Value™ is $42.17, compared to a current price of $47.78 — trading 13.3% above its estimated fair value. The current Debt-to-Equity is 0.65, which is 63% below median its 10-year median of 1.74 and 12.1% above the Banks industry median of 0.58. BankUnited's overall GF Score™ is 72/100 with 7 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Debt-to-Equity calculated?
Debt-to-Equity is calculated from a company's financial statements. For BankUnited (BKU), the current Debt-to-Equity is 0.65 as of Jun. 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.
Is BankUnited (BKU) Overvalued in 2026?
Based on GuruFocus' analysis, BankUnited stock appears to be overvalued.
The current stock price of $47.78 is trading 13.3% above its estimated GF Value™ of $42.17.
GuruFocus considers BankUnited to be Modestly Overvalued.
Key valuation signals for BKU:
Debt-to-Equity: 0.65 (63% below median its 10-year median of 1.74)
GF Value™: $42.17 vs. price of $47.78 (13.3% above fair value)
Industry Position: 12.1% above the Banks median (#771 of 1421)
No single metric tells the full story. See the BKU stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
BankUnited Inc is a bank holding company with one wholly owned subsidiary, BankUnited. The bank provides a full range of banking services through banking centers located throughout Florida, as well as New York City. The company is a commercially focused regional bank focusing on small and middle-market businesses. The company also provides certain commercial lending and deposit products on a national platform. The Bank offers a comprehensive suite of commercial lending and deposit products including commercial lending and deposit products through national platforms and certain consumer deposit products through an online channel.
72GF Score
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