BKU · Financials · Bank · FY2025 filings ·
Scored by the financial-sector model
Form 4 reports mix P/S market or private transactions with compensation-plan mechanics. Activity casually described as “insider selling” can include compensation mechanics; awards, tax withholding, and option exercises are shown by their exact filed class here, never collapsed into “Bought” or “Sold.”
These are disclosed filing facts and arithmetic aggregates, not a signal or verdict.
This machine-readable surface covers SEC ownership filings from 2003; it does not represent earlier paper-era records.
Records still being gathered — partial as of retrieval Sep 17, 2026.
Among the rows shown, A/F/M acquisition, payment or withholding, and exercise or conversion rows outnumber S sale rows (3 versus 1). The filing codes alone do not establish that every such row arose from a compensation plan.
Trailing-12-month totals and the 90-day cluster result are withheld because this issuer walk is incomplete.
| Insider | Shares owned after | Date | Filing detail | ||||
|---|---|---|---|---|---|---|---|
| Mackey James G.Chief Financial Officer | Exercise or conversion of derivative security (M)Table I · Acquired · Common Stock, par value $0.01 · 1 paired event | 8,937 | —Exercise or conversion of derivative security (M) | — | 8,937 | Aug 20, 2026 | 1 filed lot
|
| Mackey James G.Chief Financial Officer | Payment of exercise price or tax liability (F)Table I · Disposed · Common Stock, par value $0.01 | 3,517 | $46.83 | $164,701 | 5,420 | Aug 20, 2026 | 1 filed lot
|
| Mackey James G.Chief Financial Officer | Exercise or conversion of derivative security (M)Table II · Disposed · Restricted Share Unit · 1 paired event | 8,937 | —Exercise or conversion of derivative security (M) | — | 26,731 | Aug 20, 2026 | 1 filed lot
|
| PAULS DOUGLAS JDirector | Open-market or private sale (S)Table I · Disposed · Common Stock, par value $0.01 per share | 3,000 | $47.90 | $143,700 | 42,472 | Aug 13, 2026 | 1 filed lot
|
Source-event as of . Retrieved .
Flagship explainer
Start with net interest income, then follow the filed path to net income.
| Filed line | Value | % of net interest income | Source |
|---|---|---|---|
| $988M | 100% |
| |
| Income before tax | $362M | 37% |
|
| Income tax | $93.4M | 9% |
|
| $268M | 27% |
|
Flagship explainer
BankUnited, Inc.'s filing tags don't support a full breakdown — here's what is filed:
| Filed line | Value | % of assets | Source |
|---|---|---|---|
| Total assets | $35.0B | 100% |
|
| Cash and equivalents | $218M | 1% |
|
| Property, plant and equipment | $61.1M | 0% |
|
| Operating lease right-of-use assets | $58.7M | 0% |
|
| Total liabilities | $32.0B | 91% |
|
| $320M | 1% |
| |
| Stockholders’ equity | $3.1B | 9% |
|
Flagship explainer
One or more filed inputs needed for the five-factor decomposition are unavailable.
| Input | Value | Fiscal year | Source |
|---|---|---|---|
| Net income | $268M | FY2025 |
|
| Income before tax | $362M | FY2025 |
|
| Operating income | Unavailable | FY2025 |
|
| Revenue | $21.7M | FY2025 |
|
| Ending assets | $35.0B | FY2025 |
|
| Beginning assets | $35.2B | FY2024 |
|
| Ending equity | $3.1B | FY2025 |
|
| Beginning equity | $2.8B | FY2024 |
|
Flagship explainer
BankUnited, Inc.’s filing does not supply enough provenance-matched cash-flow lines for a truthful flow chart — here’s what is filed:
| Filed line | Value | % of cash from operations | Source |
|---|---|---|---|
| Cash from operations | $359M | 100% |
|
| Depreciation and amortization | $51M | 14% |
|
| Share-based compensation | $20.5M | 6% |
|
| Cash from investing | −$214M | −60% |
|
| Cash from financing | −$418M | −116% |
|
| Net change in cash | −$273M | −76% |
|
Curated 19-manager tier
Delayed public 13F reports for 2026-Q2—not live positions, trades, or recommendations.
0 holding0 exited0 not holding0/19 resolved19 not retrieved
| Manager | Reported position | Quarter-over-quarter | Filing accession |
|---|---|---|---|
| Abrams Capital | Not retrieved | Comparison not retrieved | Filing not retrieved |
| Akre Capital | Not retrieved | Comparison not retrieved | Filing not retrieved |
| Baupost Group | Not retrieved | Comparison not retrieved | Filing not retrieved |
| Berkshire Hathaway | Not retrieved | Comparison not retrieved | Filing not retrieved |
| Brave Warrior Advisors | Not retrieved | Comparison not retrieved | Filing not retrieved |
| Dodge & Cox | Not retrieved | Comparison not retrieved | Filing not retrieved |
| First Eagle | Not retrieved | Comparison not retrieved | Filing not retrieved |
| Fundsmith | Not retrieved | Comparison not retrieved | Filing not retrieved |
| Gardner Russo & Quinn | Not retrieved | Comparison not retrieved | Filing not retrieved |
| Gates Foundation Trust | Not retrieved | Comparison not retrieved | Filing not retrieved |
| Mairs & Power | Not retrieved | Comparison not retrieved | Filing not retrieved |
| Markel / Markel-Gayner | Not retrieved | Comparison not retrieved | Filing not retrieved |
| Oakmark / Harris Associates | Not retrieved | Comparison not retrieved | Filing not retrieved |
| Pershing Square | Not retrieved | Comparison not retrieved | Filing not retrieved |
| Polen Capital | Not retrieved | Comparison not retrieved | Filing not retrieved |
| Sequoia / Ruane Cunniff | Not retrieved | Comparison not retrieved | Filing not retrieved |
| Southeastern Asset Management | Not retrieved | Comparison not retrieved | Filing not retrieved |
| Tweedy, Browne | Not retrieved | Comparison not retrieved | Filing not retrieved |
| Yacktman Asset Management | Not retrieved | Comparison not retrieved | Filing not retrieved |
Position size uses shares and filed value from each manager’s 13F. Portfolio weight uses the eligible long-share filing denominator. Changes compare only with the immediately preceding calendar quarter.
Flagship explainer
Records still being gathered — partial as of retrieval Sep 17, 2026.
Partial coverage: the incomplete Form 4 walk cannot establish no activity, an activity date, or zero counts.
Median ROE 10.4% on average equity, above the 10% hurdle in 56% of 9 years.
Q3 scored 2 evidenced ratios equally; reserve score is unadjusted for Q4 and capped at 70.
Profitable in 100% of 10 years, ROE steady.
Net interest income is 2.51% of average assets, steady over 9 years through FY2025.
Not scored for this company
Scored 4 of 5 applicable components (bank model); weights renormalized over the scored set.
The 15-year revenue, margin, and ROIC series is built for the operating model’s lens and isn’t published for banks and insurers — a balance-sheet business is read through the components above, not through operating-company margins.
| Reading | ||
|---|---|---|
| Aug 3, 2026 | 62 | |
| Jul 26, 2026 | 64 | |
| Jul 26, 2026 | 64 | |
Append-only — readings are added, never rewritten. Only readings on the same methodology version (moat-index-financials@1.0.0) are comparable; a change across versions is a scoring change, not a company event.