BankUnited, Inc. (BKU) Balance Sheet
BKU balance sheet, 2025
December 31, 2025 · U.S. dollars$35.04B assets = $31.99B liabilities + $3.05B equity
Both columns are drawn to the same scale: what BKU owns equals what it owes plus shareholders’ equity. Hover a block for its value.
BKU financial health
Descriptive bands, not a rating. Fiscal 2025.
BKU balance sheet trends, 2016–2025
| Metric | Trend | Then | Latest | Change |
|---|---|---|---|---|
| Total assets | $27.88B2016 | $35.04B2025 | +2.6%/yr | |
| Total liabilities | $25.46B2016 | $31.99B2025 | +2.6%/yr | |
| Shareholders’ equity | $2.42B2016 | $3.05B2025 | +2.6%/yr | |
| Cash & short-term investments | $6.52B2016 | $217.8M2025 | −31.5%/yr | |
| Total debt | $5.64B2016 | $1.97B2025 | −11.0%/yr | |
| Net cash (debt) | $879.7M2016 | −$1.76B2025 | −$2.6B | |
| Working capital | −$12.97B2016 | $22.70B2025 | +$35.7B | |
| Book value per share | $23.332016 | $39.682025 | +6.1%/yr | |
| Debt / equity | 2.332016 | 0.652025 | −1.69 | |
| Shares outstanding | 103.7M2016 | 77.0M2025 | −3.3%/yr |
Change is the average annual growth (CAGR) or the difference between the first and latest year.
BKU assets
BKU liabilities and equity
BKU debt vs cash
Debt includes short- and long-term borrowings and, where reported, lease obligations.
BKU balance sheet
| 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | |
|---|---|---|---|---|---|---|---|---|---|---|
| Assets | ||||||||||
| Cash & short-term investments | $217.8M | $491.1M | $588.3M | $572.6M | $314.9M | $397.7M | $214.7M | $382.1M | $6.88B | $6.52B |
| Cash & equivalents | $217.8M | $491.1M | $588.3M | $572.6M | $314.9M | $397.7M | $214.7M | $382.1M | $194.6M | $448.3M |
| Short-term investments | $9.26B | $9.13B | −$8.30B | $9.76B | $10.06B | $9.18B | $7.77B | $8.17B | $6.68B | $6.07B |
| Receivables | $24.05B | $0 | $0 | $24.74B | $23.64B | $23.61B | $23.15B | $0 | $0 | $0 |
| Inventory | $0 | $0 | $0 | $1.9M | $2.3M | $3.1M | $3.9M | $9.5M | $12.0M | $13.1M |
| Other current assets | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 |
| Total current assets | $24.27B | $491.1M | $588.3M | $572.6M | $314.9M | $397.7M | $214.7M | $382.1M | $6.88B | $6.52B |
| Property, plant & equipment (net) | $171.4M | $223.8M | $371.9M | $539.8M | $640.7M | $663.5M | $698.2M | $702.4M | $599.5M | $539.9M |
| Goodwill & intangible assets | $155.3M | $155.3M | $155.3M | $155.3M | $155.3M | $155.3M | $155.3M | $155.4M | $155.6M | $78.0M |
| Long-term investments | $9.40B | $9.34B | $9.19B | $10.05B | $10.20B | $9.20B | $7.81B | $8.20B | $44.1M | $51.2M |
| Other non-current assets | $1.04B | $25.03B | $25.46B | $25.71B | $24.50B | $24.59B | $24.00B | $22.72B | $22.67B | $20.69B |
| Total assets | $35.04B | $35.24B | $35.76B | $37.03B | $35.82B | $35.01B | $32.87B | $32.16B | $30.35B | $27.88B |
| Liabilities | ||||||||||
| Accounts payable | $29.35B | — | — | $27.51B | $29.44B | $27.50B | $24.39B | $23.47B | $21.88B | $19.49B |
| Short-term debt | $1.58B | — | $4.24B | $190.0M | $2.07B | $3.22B | $100.0M | $175.0M | $4.55B | $5.24B |
| Total current liabilities | $1.58B | $27.87B | $26.54B | $27.70B | $11.05B | $10.23B | $24.49B | $23.65B | $21.88B | $19.49B |
| Long-term debt | $319.7M | $708.6M | $709.0M | $720.9M | $721.4M | $722.5M | $429.3M | $402.7M | $402.8M | $402.8M |
| Lease obligations | $22.9M | $24.6M | $26.5M | $28.4M | $30.2M | $32.6M | $34.2M | $8.4M | $9.1M | $9.7M |
| Other long-term liabilities | $30.18B | $3.85B | $5.94B | $6.17B | $1.91B | $3.12B | $4.97B | $5.19B | $5.04B | $5.57B |
| Total liabilities | $31.99B | $32.43B | $33.18B | $34.59B | $2.63B | $3.85B | $29.89B | $29.24B | $27.32B | $25.46B |
| Shareholders' equity | ||||||||||
| Common stock & paid-in capital | $741,000 | $747,000 | $744,000 | $757,000 | $856,000 | $931,000 | $951,000 | $991,000 | $1.1M | $1.0M |
| Retained earnings (deficit) | $2.97B | $2.80B | $2.65B | $2.55B | $2.35B | $2.01B | $1.93B | $1.70B | $1.47B | $949.7M |
| Treasury stock | — | — | — | — | — | — | — | — | $0 | $0 |
| Accumulated other comprehensive income | −$189.6M | −$284.5M | −$357.4M | −$437.9M | −$15.9M | −$49.2M | −$31.8M | $4.9M | $55.0M | $41.2M |
| Minority interest | — | — | — | — | — | — | — | — | $0 | $0 |
| Total shareholders' equity | $3.05B | $2.81B | $2.58B | $2.44B | $33.19B | $31.16B | $2.98B | $2.92B | $3.03B | $2.42B |
| Key figures | ||||||||||
| Total debt | $1.97B | $3.64B | $5.82B | $6.33B | $2.79B | $3.95B | $5.01B | $5.37B | $5.17B | $5.64B |
| Net cash (debt) | −$1.76B | −$3.15B | −$5.24B | −$5.76B | −$2.48B | −$3.55B | −$4.80B | −$4.99B | $1.70B | $879.7M |
| Working capital | $22.70B | −$27.37B | −$25.95B | −$27.13B | −$10.73B | −$9.84B | −$24.28B | −$23.27B | −$15.00B | −$12.97B |
| Tangible book value | $2.90B | $2.66B | $2.42B | $2.28B | $33.03B | $31.01B | $2.83B | $2.77B | $2.87B | $2.34B |
| Book value per share | $39.68 | $38.04 | $35.06 | $30.91 | $367.13 | $339.74 | $31.16 | $28.09 | $28.59 | $23.33 |
| Shares outstanding | 77.0M | 74.0M | 73.5M | 78.8M | 90.4M | 91.7M | 95.7M | 104.1M | 105.9M | 103.7M |
| Current ratio | 15.41 | 0.02 | 0.02 | 0.02 | 0.03 | 0.04 | 0.01 | 0.02 | 0.31 | 0.33 |
| Quick ratio | 15.41 | 0.02 | 0.02 | 0.91 | 2.17 | 2.35 | 0.95 | 0.02 | 0.31 | 0.33 |
| Debt / equity | 0.65 | 1.29 | 2.26 | 2.60 | 0.08 | 0.13 | 1.68 | 1.84 | 1.71 | 2.33 |
| Equity / assets | 8.7% | 8.0% | 7.2% | 6.6% | 92.7% | 89.0% | 9.1% | 9.1% | 10.0% | 8.7% |
| Jun '26 | Mar '26 | Dec '25 | Sep '25 | Jun '25 | Mar '25 | Dec '24 | Sep '24 | Jun '24 | Mar '24 | Dec '23 | Sep '23 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Assets | ||||||||||||
| Cash & short-term investments | $9.69B | $13.3M | $217.8M | $1.44B | $10.20B | $9.54B | $491.1M | $9.97B | $9.34B | $9.30B | $588.3M | $9.22B |
| Cash & equivalents | $367.9M | $13.3M | $217.8M | $559.5M | $801.3M | $443.7M | $491.1M | $889.9M | $433.5M | $421.2M | $588.3M | $391.9M |
| Short-term investments | $9.32B | $9.51B | $9.26B | $876.9M | $9.40B | $9.10B | $9.13B | $9.08B | $8.91B | $8.88B | $8.09B | $8.83B |
| Receivables | $0 | $142.0M | $24.05B | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 |
| Inventory | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $3.6M |
| Other current assets | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 |
| Total current assets | $9.69B | $13.3M | $24.27B | $1.44B | $10.20B | $9.54B | $491.1M | $9.97B | $9.34B | $9.30B | $588.3M | $9.22B |
| Property, plant & equipment (net) | $157.3M | $150.2M | $171.4M | $201.8M | $214.5M | $218.6M | $369.9M | $241.6M | $266.8M | $329.0M | $371.9M | $460.1M |
| Goodwill & intangible assets | $77.6M | $77.6M | $155.3M | $155.3M | $155.3M | $155.3M | $155.3M | $155.3M | $155.3M | $77.6M | $77.6M | $155.3M |
| Long-term investments | $9.46B | $9.65B | $9.40B | $9.63B | $9.58B | $9.28B | $9.34B | $9.36B | $9.17B | $9.18B | $9.19B | $8.89B |
| Other non-current assets | $15.50B | $25.46B | $1.04B | $23.65B | $15.31B | $15.63B | $24.89B | $16.06B | $16.49B | $16.22B | $25.54B | $16.66B |
| Total assets | $34.88B | $35.36B | $35.04B | $35.08B | $35.46B | $34.83B | $35.24B | $35.78B | $35.43B | $35.11B | $35.76B | $35.39B |
| Liabilities | ||||||||||||
| Accounts payable | — | — | $29.35B | — | — | — | — | — | — | — | — | $26.11B |
| Short-term debt | $265.0M | $1.75B | $1.58B | — | $2.25B | $2.40B | $2.95B | $3.48B | $3.29B | $3.90B | $4.24B | $4.84B |
| Total current liabilities | $29.15B | $1.75B | $1.58B | $28.62B | $28.65B | $28.06B | $27.87B | $27.86B | $27.76B | $27.03B | $26.54B | $26.11B |
| Long-term debt | $1.93B | $2.05B | $319.7M | $320.4M | $708.9M | $709.1M | $708.6M | $708.7M | $3.97B | $4.59B | $5.80B | $715.2M |
| Lease obligations | $21.8M | $22.3M | $22.9M | $23.7M | $24.3M | $24.8M | $24.6M | $25.1M | $25.6M | $26.1M | $26.5M | $27.0M |
| Other long-term liabilities | $805.4M | $28.54B | $30.18B | $3.10B | $3.15B | $3.17B | $3.85B | $4.41B | $996.8M | $850.1M | $847.7M | $6.04B |
| Total liabilities | $31.88B | $32.34B | $31.99B | $32.04B | $32.51B | $31.93B | $32.43B | $32.98B | $32.73B | $32.47B | $33.18B | $32.87B |
| Shareholders' equity | ||||||||||||
| Common stock & paid-in capital | $722,000 | $734,000 | $741,000 | $752,000 | $752,000 | $752,000 | $747,000 | $747,000 | $748,000 | $748,000 | $744,000 | $744,000 |
| Retained earnings (deficit) | $3.06B | $3.01B | $2.97B | $2.93B | $2.88B | $2.83B | $2.80B | $2.75B | $2.71B | $2.68B | $2.65B | $2.65B |
| Accumulated other comprehensive income | −$216.9M | −$203.1M | −$189.6M | −$205.2M | −$231.2M | −$236.2M | −$284.5M | −$238.4M | −$301.6M | −$323.9M | −$357.4M | −$407.2M |
| Total shareholders' equity | $3.00B | $3.02B | $3.05B | $3.03B | $2.95B | $2.90B | $2.81B | $2.81B | $2.70B | $2.64B | $2.58B | $2.52B |
| Key figures | ||||||||||||
| Total debt | $2.21B | $2.07B | $1.97B | $2.40B | $2.96B | $3.11B | $3.64B | $4.29B | $3.99B | $4.61B | $5.82B | $5.88B |
| Net cash (debt) | $7.47B | −$2.06B | −$1.76B | −$964.0M | $7.24B | $6.43B | −$3.15B | $5.68B | $5.35B | $4.69B | −$5.24B | $3.34B |
| Working capital | −$19.46B | −$1.74B | $22.70B | −$27.18B | −$18.44B | −$18.51B | −$27.37B | −$17.89B | −$18.42B | −$17.72B | −$25.95B | −$16.89B |
| Tangible book value | $2.93B | $2.94B | $2.90B | $2.88B | $2.80B | $2.74B | $2.66B | $2.65B | $2.54B | $2.56B | $2.50B | $2.37B |
| Book value per share | $39.03 | $39.19 | $39.68 | $40.77 | $39.70 | $38.96 | $37.88 | $37.69 | $36.47 | $35.86 | $35.09 | $34.21 |
| Shares outstanding | 77.0M | 77.0M | 77.0M | 74.4M | 74.4M | 74.4M | 74.3M | 74.5M | 74.0M | 73.6M | 73.5M | 73.8M |
| Current ratio | 0.33 | 0.01 | 15.41 | 0.05 | 0.36 | 0.34 | 0.02 | 0.36 | 0.34 | 0.34 | 0.02 | 0.35 |
| Quick ratio | 0.33 | 0.09 | 15.41 | 0.05 | 0.36 | 0.34 | 0.02 | 0.36 | 0.34 | 0.34 | 0.02 | 0.35 |
| Debt / equity | 0.74 | 0.69 | 0.65 | 0.79 | 1.00 | 1.07 | 1.29 | 1.53 | 1.48 | 1.75 | 2.26 | 2.33 |
| Equity / assets | 8.6% | 8.5% | 8.7% | 8.6% | 8.3% | 8.3% | 8.0% | 7.8% | 7.6% | 7.5% | 7.2% | 7.1% |
Quarterly columns are labeled by the month the quarter ended. Figures in U.S. dollars as reported (latest annual report filed February 26, 2026); data from EODHD.
BKU financial position
At the end of fiscal 2025 (December 31, 2025), BankUnited had total assets of $35.0 billion (down 0.6% from a year earlier), total liabilities of $32.0 billion and shareholders' equity of $3.1 billion. It held $217.8 million in cash and short-term investments against $2.0 billion of debt, net debt of $1.8 billion. Its current ratio was 15.41. In the latest quarter (ended June 30, 2026) total assets were $34.9 billion and equity $3.0 billion.
Related: BKU income statement, BKU cash flow statement, BKU key metrics. See the BKU stock overview for the latest quote and news.
BKU balance sheet FAQ
What are BankUnited's total assets?
BankUnited reported total assets of $35.0 billion at the end of fiscal 2025 (December 31, 2025), compared with $35.2 billion a year earlier.
How much debt does BankUnited have?
BankUnited had $2.0 billion of total debt at the end of fiscal 2025, including short-term borrowings and lease obligations. Its debt-to-equity ratio was 0.65.
How much cash does BankUnited have?
BankUnited held $217.8 million in cash and short-term investments at the end of fiscal 2025; with $2.0 billion of debt that is net debt of $1.8 billion.
What is BankUnited's book value?
BankUnited's shareholders' equity (book value) was $3.1 billion at the end of fiscal 2025, or $39.68 per share.
What is BankUnited's current ratio?
BankUnited had current assets of $24.3 billion and current liabilities of $1.6 billion, a current ratio of 15.41 (it can cover its short-term obligations).
How much goodwill does BankUnited have?
BankUnited carried $155.3 million of goodwill and intangible assets, 0.4% of total assets, at the end of fiscal 2025.