Brighthouse Financial vs BankUnited

Brighthouse Financial and BankUnited are featured on this page to provide a clear comparison of their business models, financial performance, and the market context in which they operate. The content presents a neutral view of each company’s structure, revenue drivers, and competitive environment to help readers understand strengths and challenges without advocacy. Educational content, not financial advice.

Brighthouse Financial and BankUnited are featured on this page to provide a clear comparison of their business models, financial performance, and the market context in which they operate. The content ...

Comparison Snapshot

Key Financial Metrics

BHF

Metric

BKU

$3.68B

Market Cap

$3.49B

2.90%

Potential Profit

-9.50%

Hold

Analyst Rating

Hold

Investment Analysis

Brighthouse Financial

BHF

Pros

Brighthouse Financial reported stronger-than-expected adjusted earnings per share in Q3 2025, driven by improved net investment income and lower expenses.
The company achieved record sales of Shield Level Annuities, contributing to an 8% year-over-year increase in total annuity sales.
Brighthouse Financial has agreed to be acquired for $70 per share in cash, representing a significant premium to its current market valuation.

Considerations

Q3 2025 revenue fell short of analyst expectations, with total operating revenues only marginally up year-on-year despite higher investment income.
Premiums declined 5.5% year-on-year, reflecting ongoing challenges in the core insurance business and potential pressure on future growth.
The company's annuities segment adjusted earnings dropped 7% year-on-year, indicating profitability headwinds in its largest business area.

BankUnited

BKU

Pros

BankUnited maintains a strong balance sheet with high liquidity and a solid capital position, supporting resilience in volatile rate environments.
The bank has demonstrated consistent net interest margin expansion, benefiting from higher interest rates and disciplined asset-liability management.
BankUnited has diversified its loan portfolio and expanded into attractive specialty lending segments, reducing concentration risk.

Considerations

Net interest income growth has slowed recently as the pace of rate hikes has eased, potentially limiting future earnings upside.
The bank faces increased competition in its core markets, pressuring loan pricing and deposit margins.
BankUnited's exposure to commercial real estate lending poses credit risk if economic conditions deteriorate or property values decline.

About The Companies

Brighthouse Financial (BHF)

Brighthouse Financial Inc (BHF) is a US-focused life insurance and annuities company that provides retirement-income solutions to individual customers and intermediaries. The business concentrates on fixed and indexed annuities and life insurance products designed to offer guaranteed income or death benefits, making it sensitive to interest-rate moves, actuarial assumptions and policyholder behaviour. With a market capitalisation of about $2.69 billion, Brighthouse operates in a capital-intensive, heavily regulated sector where capital management, product pricing and mortality trends drive results. Investors should note that earnings can be lumpy and influenced by investment returns on the company’s asset portfolio, regulatory changes and market demand for guaranteed products. This summary is educational and not personal financial advice; values can rise and fall and past performance is not a reliable guide. Consider your risk tolerance, investment horizon and seek independent advice if unsure about suitability.

BankUnited (BKU)

BankUnited, Inc. is the holding company for BankUnited, a US-based bank with a significant presence in key markets. It offers a comprehensive range of banking services to both commercial and consumer clients. Operations are centred in Florida, the New York metropolitan area, and Dallas, Texas, with a wholesale product office in Atlanta. The bank's core activities include commercial and real estate lending, residential mortgages, and consumer loans. On the deposit side, it provides traditional products like checking and savings accounts, money market accounts, and certificates of deposit. BankUnited also supports businesses with a suite of treasury, payments, and cash management services. This broad offering is delivered through its physical banking centres as well as national and online platforms, giving it a flexible approach to reaching customers. For potential investors, it's a company with a clear focus on major US regional economies.

Which Baskets Do They Appear In?

Navigating Retirement State By State

A carefully curated collection of companies helping Americans prepare for retirement in different regions. With retirement costs varying dramatically by state and Social Security uncertainties growing, these financial providers offer solutions for creating personalized, location-specific retirement plans.

Published: July 1, 2025

Explore Basket

Which Baskets Do They Appear In?

Navigating Retirement State By State

A carefully curated collection of companies helping Americans prepare for retirement in different regions. With retirement costs varying dramatically by state and Social Security uncertainties growing, these financial providers offer solutions for creating personalized, location-specific retirement plans.

Published: July 1, 2025

Explore Basket

Discover More Comparisons

Brighthouse Financial vs First Interstate BancSystem

Brighthouse Financial vs Cathay General Bancorp

Brighthouse Financial vs Qfin

Brighthouse Financial vs Qfin: A stock comparison

Brighthouse Financial vs BankUnited

Comparison Snapshot