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Side-by-side financial comparison of BankUnited, Inc. (BKU) and H2O AMERICA (HTO). Click either name above to swap in a different company.
BankUnited, Inc. is the larger business by last-quarter revenue ($288.2M vs $199.4M, roughly 1.4× H2O AMERICA). On growth, BankUnited, Inc. posted the faster year-over-year revenue change (9.0% vs 1.5%). Over the past eight quarters, H2O AMERICA's revenue compounded faster (15.3% CAGR vs 9.2%).
BankUnited, Inc. is the bank holding company of BankUnited, N.A., a national bank founded in 1984 and headquartered in Miami Lakes, Florida. The company operates in Florida; the regions in and around Atlanta, Georgia; Dallas, Texas; Morristown, New Jersey; Charlotte, North Carolina; and in the New York metropolitan area. BankUnited also offers certain commercial lending and deposit products through national platforms and has total assets of $35.0 billion as of December 31, 2025
H2O Wireless is a United States-based prepaid cell phone service, that utilizes the AT&T network. It is a brand of the mobile virtual network operator (MVNO) Locus Telecommunications, a subsidiary of Telrite Holdings, Inc., since 2019. Locus was formerly a subsidiary of KDDI America corporation, starting in 2010. H2O Wireless is primarily advertised as a non-restrictive phone service for customers to bring or buy unlocked smartphones, although AT&T contract/locked phones may be accepted as well.
BKU vs HTO — Head-to-Head
Income Statement — Q4 FY2025 vs Q4 FY2025
| Metric | | |
|---|---|---|
| Revenue | $288.2M | $199.4M |
| Net Profit | — | $16.2M |
| Gross Margin | — | — |
| Operating Margin | 31.2% | 16.6% |
| Net Margin | — | 8.1% |
| Revenue YoY | 9.0% | 1.5% |
| Net Profit YoY | — | -29.2% |
| EPS (diluted) | $0.89 | $0.45 |
Green = leading value per metric. Periods may differ when fiscal calendars don't align.
8-Quarter Revenue & Profit Trend
Side-by-side quarterly history. Quarters aligned by calendar period so offset fiscal years line up.
| Q4 25 | $288.2M | $199.4M | ||
| Q3 25 | $275.7M | $243.5M | ||
| Q2 25 | $273.9M | $197.8M | ||
| Q1 25 | $255.4M | $164.9M | ||
| Q4 24 | $264.5M | $196.5M | ||
| Q3 24 | $257.0M | $216.7M | ||
| Q2 24 | $250.2M | $173.1M | ||
| Q1 24 | $241.7M | $150.0M |
| Q4 25 | — | $16.2M | ||
| Q3 25 | $71.9M | $45.1M | ||
| Q2 25 | $68.8M | $24.7M | ||
| Q1 25 | $58.5M | $16.6M | ||
| Q4 24 | — | $22.9M | ||
| Q3 24 | $61.5M | $38.7M | ||
| Q2 24 | $53.7M | $20.7M | ||
| Q1 24 | $48.0M | $11.7M |
| Q4 25 | 31.2% | 16.6% | ||
| Q3 25 | 35.5% | 26.5% | ||
| Q2 25 | 34.3% | 22.2% | ||
| Q1 25 | 31.4% | 21.8% | ||
| Q4 24 | 35.2% | 22.2% | ||
| Q3 24 | 32.4% | 26.9% | ||
| Q2 24 | 29.2% | 23.4% | ||
| Q1 24 | 27.8% | 18.6% |
| Q4 25 | — | 8.1% | ||
| Q3 25 | 26.1% | 18.5% | ||
| Q2 25 | 25.1% | 12.5% | ||
| Q1 25 | 22.9% | 10.0% | ||
| Q4 24 | — | 11.7% | ||
| Q3 24 | 23.9% | 17.8% | ||
| Q2 24 | 21.5% | 12.0% | ||
| Q1 24 | 19.8% | 7.8% |
| Q4 25 | $0.89 | $0.45 | ||
| Q3 25 | $0.95 | $1.27 | ||
| Q2 25 | $0.91 | $0.71 | ||
| Q1 25 | $0.78 | $0.49 | ||
| Q4 24 | $0.91 | $0.70 | ||
| Q3 24 | $0.81 | $1.17 | ||
| Q2 24 | $0.72 | $0.64 | ||
| Q1 24 | $0.64 | $0.36 |
Balance Sheet & Financial Strength
Snapshot of each company's liquidity, leverage and book value from the latest quarter.
| Metric | | |
|---|---|---|
| Cash + ST InvestmentsLiquidity on hand | $217.8M | $20.7M |
| Total DebtLower is stronger | $319.7M | $1.9B |
| Stockholders' EquityBook value | $3.1B | $1.5B |
| Total Assets | $35.0B | $5.1B |
| Debt / EquityLower = less leverage | 0.10× | 1.23× |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $217.8M | $20.7M | ||
| Q3 25 | $559.5M | $11.3M | ||
| Q2 25 | $801.3M | $19.8M | ||
| Q1 25 | $443.7M | $23.7M | ||
| Q4 24 | $491.1M | $11.1M | ||
| Q3 24 | $889.9M | $4.0M | ||
| Q2 24 | $433.5M | $22.8M | ||
| Q1 24 | $421.2M | $4.5M |
| Q4 25 | $319.7M | $1.9B | ||
| Q3 25 | $320.4M | — | ||
| Q2 25 | $708.9M | — | ||
| Q1 25 | $709.1M | — | ||
| Q4 24 | $708.6M | $1.7B | ||
| Q3 24 | $708.7M | — | ||
| Q2 24 | $708.8M | — | ||
| Q1 24 | $709.0M | — |
| Q4 25 | $3.1B | $1.5B | ||
| Q3 25 | $3.0B | $1.5B | ||
| Q2 25 | $3.0B | $1.5B | ||
| Q1 25 | $2.9B | $1.4B | ||
| Q4 24 | $2.8B | $1.4B | ||
| Q3 24 | $2.8B | $1.3B | ||
| Q2 24 | $2.7B | $1.3B | ||
| Q1 24 | $2.6B | $1.2B |
| Q4 25 | $35.0B | $5.1B | ||
| Q3 25 | $35.1B | $5.0B | ||
| Q2 25 | $35.5B | $4.8B | ||
| Q1 25 | $34.8B | $4.7B | ||
| Q4 24 | $35.2B | $4.7B | ||
| Q3 24 | $35.8B | $4.6B | ||
| Q2 24 | $35.4B | $4.4B | ||
| Q1 24 | $35.1B | $4.4B |
| Q4 25 | 0.10× | 1.23× | ||
| Q3 25 | 0.11× | — | ||
| Q2 25 | 0.24× | — | ||
| Q1 25 | 0.24× | — | ||
| Q4 24 | 0.25× | 1.26× | ||
| Q3 24 | 0.25× | — | ||
| Q2 24 | 0.26× | — | ||
| Q1 24 | 0.27× | — |
Cash Flow & Capital Efficiency
How much cash each business actually produces after reinvestment. Cash flow is harder to manipulate than net income.
| Metric | | |
|---|---|---|
| Operating Cash FlowLast quarter | $358.6M | $63.5M |
| Free Cash FlowOCF − Capex | — | — |
| FCF MarginFCF / Revenue | — | — |
| Capex IntensityCapex / Revenue | — | — |
| Cash ConversionOCF / Net Profit | — | 3.92× |
| TTM Free Cash FlowTrailing 4 quarters | — | — |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $358.6M | $63.5M | ||
| Q3 25 | $99.7M | $77.3M | ||
| Q2 25 | $117.6M | $60.8M | ||
| Q1 25 | $16.4M | $43.2M | ||
| Q4 24 | $433.8M | $41.5M | ||
| Q3 24 | $46.1M | $53.5M | ||
| Q2 24 | $135.7M | $49.3M | ||
| Q1 24 | $66.5M | $51.2M |
| Q4 25 | — | 3.92× | ||
| Q3 25 | 1.39× | 1.71× | ||
| Q2 25 | 1.71× | 2.47× | ||
| Q1 25 | 0.28× | 2.61× | ||
| Q4 24 | — | 1.81× | ||
| Q3 24 | 0.75× | 1.39× | ||
| Q2 24 | 2.53× | 2.38× | ||
| Q1 24 | 1.39× | 4.38× |
Financial Flow Comparison
Revenue → gross profit → operating profit → net profit for each company.
Revenue Breakdown by Segment
BKU
Segment breakdown not available.
HTO
| Water Utility Services | $191.0M | 96% |
| Other | $8.4M | 4% |
