Stock Ratings / Financials / BKU / financials

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BankUnited Inc. (BKU) Revenue-to-Profit Sankey Flow & SEC XBRL Financials

$43.40 +1.38% NYSE • Live Quote vs Prior Daily Close (Synced Snapshot) EXT / AFTER-HRS: $43.43

BankUnited Inc. (BKU) carries a Roarable Rating of C+ (Hold) with 68/100 RQD Confidence. The composite score sits in the neutral Hold band (59–69), meaning current holders don’t need to panic-sell while prospective buyers can wait for a move into the 70+ Buy zone.

📊 Historical Track Record: Scores of 68/100 (C+) historically posted market-perform odds over rolling 90-day windows (+1.8% avg 90D alpha vs SPY) →

ROARABLE C+ • HOLD / WATCH Cap $3.09B

📤 Share Live RQD Speedometer Card: 𝕏 Post Reddit StockTwits ⬇ Live SVG Card

INTERACTIVE SCENARIO DECK:

🛡️ Portfolio Crash X-Ray

EXT / AFTER-HRS: $43.43 (+0.06%)🧬 Cannibal Buyback (-2.36% YoY Shares)⚙️ Cash Engine: 10/20 (D) • 9% FCF Margin

Verify 90D Bucket Audit →

📊 Historical Track Record: Scores of 68/100 (C+) historically posted market-perform odds over rolling 90-day windows (+1.8% avg 90D alpha vs SPY • 56.9% hit rate — wait for RQD ≥ 70 breakout).

Audit Bucket Track Record →

RQD QUANT TACHOMETERHOLD / WATCH • C+

JEV AI Jury Split (Battleground)

Cash

SEC

Whale

Impersonal quantitative research (0–100 RQD rubric) — not individualized investment advice. Past performance does not guarantee future results. Full Disclaimer

5-PILLAR SNOWFLAKE RADARRw C · Rk B

Each axis scored 0–20

12M PRICE TARGET CONE+4.5% Base Target

WHALE OPTIONS SNAPSHOT: — (No Active Options Snapshot on file for BKU)Realized 20D OHLCV Swing Band: ±4.8%

Deterministic 5-Pillar Attribution (68/100 Composite)

🔍 WHY BKU SCORES 68/100 (C+) — TOP 3 DRIVERS2 Bullish Pillars + #1 Risk Drag

▲ #1 Bullish Driver: Macro Regime Fit+16/20 pts (24% of score)

FRED Regime × Technicals: 38% of 52W Range • RSI-14 at 49.4 (NEUTRAL RANGE)

▲ #2 Bullish Driver: Insider Conviction & Share Dilution+16/20 pts (24% of score)

SEC Form 4 / 13F Thermometer: 80% Net Buy • Cannibal Buyback (-2.36% YoY Shares)

▼ #1 Drag / Risk Factor: Cash Engine Quality10/20 pts (-10 pt drag)

Capital intensity & 0% operating margin leave 10 pts on the table

📈 PAST 4 QUARTERS RQD vs SUBSEQUENT RETURNQ1 → Q2 → Q3 → Current

Q1 (-3Q)

Grade C$42.28-0.8% Next Q

Q2 (-2Q)

Grade C+$41.94+3.9% Next Q

Q3 (-1Q)

Grade C+$43.57-0.4% Next Q

Current

Grade C+$43.40+1.8% Hist 90D α

Trajectory: C (60) → C+ (68)Full Audit →

⚔️ ADVERSARIAL OPPOSING CASE & FORENSIC KILL-SWITCH (WHY THE BULL/BEAR THESIS COULD FAIL)GIDEON ASHMERE // FORENSIC SHORT & KILL-SWITCH DOSSIER

⚔️ Adversarial Opposing Case: Why the BKU Bull Thesis Could Fail

Gideon Ashmere Forensic Desk →

Even with a 68/100 (C+) score, BKU faces multiple-compression risk if 11.5x trailing P/E re-rate toward historical sector medians or if hyperscaler/enterprise customer concentration slows in upcoming 10-Q filings.

⚠️ Forensic Kill-Switch #1

Broader market pullbacks can still drag down strong stocks in the short run.

⚠️ Forensic Kill-Switch #2

Dilution & Margin Drag: Cannibal Buyback (-2.36% YoY Shares) — any gross margin slip below 49.5% triggers an automatic RQD downgrade.

⚠️ Forensic Kill-Switch #3

Technical & Forensic Kill-Switch: A daily close below the 50D SMA ($43.88) or 200D SMA ($46.31) invalidates the momentum regime and cuts Target Base ($45.35) toward Bear Floor ($35.37).

🎲 LIVE PREDICTION MARKET ODDS TIED TO $BKU• $2.4M Crowd Pool • Kalshi / Polymarket Composite

Contract: “BKU Beats Next Quarter EPS Consensus (Dec 30, 2026) & Holds Above 200D SMA”

YES 68%NO 32%Trade / Inspect Odds →

VISUAL REVENUE-TO-PROFIT SANKEY WATERFALL • FY 2025 (10-K)

How BKU Turns Every Dollar of Sales Into Real Bottom-Line Profit

Free Cash Flow:$358.6M (9% FCF Margin)

Multi-Year SEC EDGAR XBRL Revenue, Net Profit & Free Cash Flow Trajectory

■ Revenue■ Net Profit■ Free Cash Flow

FY23

Rev $4.00B

FY24

Rev $4.00B

FY25

Rev $4.00B

Fiscal Year	Revenue	Gross Margin	Op Margin	Net Profit	Free Cash Flow	ROIC %
FY 2025	$4.00B	52%	0%	$268.4M	$358.6M	8.8%
FY 2024	$4.00B	52%	0%	$232.5M	$433.8M	8.8%
FY 2023	$4.00B	52%	0%	$178.7M	$657.5M	8.8%

ON-DEMAND RQD QUANT WORKSHOP • SPONSORED / PARTNER SPOTLIGHTHosted by Perry Belcher & Roarable Forensic Quant Desk

Red-Light Warning Desk: Spotting SEC Cash-Flow & Dilution Risks Before Downgrades (Featuring BKU)

✓Walkthrough of BKU's RQD Radar, SEC cash-conversion gap & downside invalidation levels
✓3 asymmetric Bear/Hedge frameworks when 10-year Treasury yields stay elevated
✓Includes nightly RQD rating-change & forensic signal email alerts on your tracked stocks

RQD INSIDER CLUB WAITLIST$49/YR PLANNED

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Join Founding VIP Waitlist (No Card Required) →$100K Arena

BKU // CANDLESTICK & AUTO-TRENDLINE WORKSTATION6M: -6.63%⚡ TESTING RESISTANCE

2026-10-30O $43.60H $43.60L $42.73C $43.40VOL 722.5K

RES: $43.81SUP: $40.13SMA50: $43.88SMA200: $46.31

PRIMARY-SOURCE FORENSICS, SECOND-ORDER LINKS & AI ANALYST DESK

BKU Dilution Monitor, Expectations Hurdle, Butterfly Connections & Policy Exposure

🦋 BKU Butterfly Map → + Track BKU →

Share Count & Dilution Monitor (#25)

Multi-year comparable XBRL diluted share count not disclosed (ETF or recent listing).

Reverse-DCF Expectations Hurdle (#30)

1.6%/yr Implied 5Y Growth

vs. +6.0% actual YoY revenue growth (assuming 9.25% cost of equity & 16.5x terminal multiple).

Ellis Vennor Setup Ledger (#33)

No active Ellis Vennor swing setup published on BKU today. View full Setup Ledger →

🦋 Documented & Second-Order Butterfly Connections Open Graph →

No direct multi-tier Butterfly edges indexed yet for BKU. Explore sector supply chains on /butterfly.

AI Analyst Theses, Washington Policy & Company Video

🎬 No recent verified company-specific video clip queued for BKU today (we never pad ticker pages with unrelated generic clips). Browse Macro Video Desk →

DETERMINISTIC MULTI-FACTOR EQUITY AUDIT • SEC EDGAR XBRL × RQD PEER BENCHMARK

📊 Quantitative Sector Peer Comparison, SEC Filing Delta & Investment FAQ (BKU)

Financials Rank #223 of 1096 ⚔️ PFS vs BKU Full Matrix →

1. Head-to-Head Financials Peer Comparison (BKU vs. PFS, CLBK, TFSL, EBC)

Industry: Savings Institutions (33 Tracked Issuers)

Across 1096 tracked Financials securities in the Roarable RQD universe, BankUnited Inc. (BKU) ranks #223 by composite RQD confidence (68/100, grade C+) and #362 by equity capitalization ($3.09B). Within this direct 5-issuer industry benchmark cohort, PFS leads on earnings valuation at 10.4x trailing P/E, while PFS leads on capital efficiency and profitability with 10.3% ROIC and — gross margin. EBC currently holds the highest overall quantitative score in the immediate peer group at 69/100 (C+) compared with BKU at 68/100 (C+).

Ticker / Company	Roarable Grade	RQD Score	Trailing P/E	Gross Margin	ROIC	1D Change	Market Cap	Head-to-Head
BKU ACTIVE BankUnited Inc.	C+	68/100	11.5x	—	8.8%	+1.38%	$3.09B	Benchmark Subject
PFS Provident Financial Services Inc	C	62/100	10.4x	—	10.3%	+0.22%	$3.02B	/pfs-vs-bku →
CLBK Columbia Financial Inc.	D	50/100	—	—	—	+0.56%	$2.89B	/clbk-vs-bku →
TFSL TFS Financial Corporation	D	48/100	51.7x	—	4.8%	+0.54%	$4.70B	/tfsl-vs-bku →
EBC Eastern Bankshares Inc.	C+	69/100	58.6x	—	0.7%	+0.53%	$5.17B	/ebc-vs-bku →

2. Multi-Year SEC XBRL Revenue, Cash Flow & Balance-Sheet Trajectory (FY2023–FY2025)

SEC EDGAR 10-K • FILED 2025-12-31 • CIK 0001504008

In its most recent audited fiscal period (FY2025, filed 2025-12-31), BankUnited Inc. (BKU) reported GAAP revenue of $0 (N/A vs. FY2024 revenue of $0 ) , GAAP net income of $268.4M, operating cash flow of $358.6M, and free cash flow of $358.6M (-17.3% YoY). On the balance sheet, BKU closed FY2025 with $35.04B in total assets against $0 in total debt (Altman Z-Score: N/A, Piotroski F-Score: 5/9).

Fiscal Period	Filing Date	Revenue	Net Income	Operating Cash Flow	Free Cash Flow	Total Assets	Total Debt
FY2025 (FY)	2025-12-31	$0	$268.4M	$358.6M	$358.6M	$35.04B	—
FY2024 (FY)	2024-12-31	$0	$232.5M	$433.8M	$433.8M	$35.24B	—
FY2023 (FY)	2023-12-31	$0	$178.7M	$657.5M	$657.5M	—	—

3. BKU Data-Verified Investor FAQ (RQD Rating, Sector Peers, SEC Forensics & Technicals)

✓ SCHEMA.ORG FAQPAGE JSON-LD ENABLED

Is BKU stock a Buy, Hold, or Sell right now according to Roarable's RQD model?

As of 2026-11-01, BankUnited Inc. (NYSE: BKU) is rated C+ (Hold / HOLD) by Roarable's 5-pillar RQD engine with a composite confidence score of 68/100 at a spot price of $43.40 (+1.38% 1D, market cap $3.09B). Pillar breakdown: Fundamental Cash Engine 10/20, Institutional 13F & Options Flow 13/20, Executive Insider Alignment 13/20, FRED Macro Regime Fit 16/20, and SEC Balance-Sheet Forensics 16/20. Across 1096 tracked Financials issuers, BKU ranks #223 in composite RQD confidence.

How does BKU compare to PFS and CLBK in the Financials sector?

Within the Financials sector (Savings Institutions), BKU carries a Roarable C+ (68/100 RQD), trailing P/E of 11.5x, gross margin of —, and ROIC of 8.8%. By comparison, PFS (Provident Financial Services Inc) holds a C grade (62/100 RQD, P/E 10.4x, ROIC 10.3%, cap $3.02B) and CLBK (Columbia Financial Inc.) posts a D grade (50/100 RQD, P/E N/A, ROIC —, cap $2.89B). Among the 5-stock peer group, PFS leads on earnings multiple (10.4x) while PFS leads on capital efficiency (10.3% ROIC).

What are the biggest fundamental strengths and SEC risk factors for BKU?

Per BKU's SEC EDGAR XBRL 10-K filing (FY2025, filed 2025-12-31, CIK 0001504008), BankUnited Inc. generated $0 in revenue, $268.4M in net income, and $358.6M in free cash flow against $35.04B in total assets and $0 in total debt. Key quantitative strengths: Company leadership has skin in the game with net positive insider conviction.. Primary risk factors monitored: Broader market pullbacks can still drag down strong stocks in the short run.. Institutional options positioning shows a 50% call / 50% put premium split.

Where is BKU trading relative to its 50-day, 200-day, and 52-week technical levels?

BKU last traded at $43.40 (+1.38% on volume of 1,101,721 shares), positioning the stock -1.09% below its 50-day simple moving average ($43.88) and -6.28% below its 200-day simple moving average ($46.31). Across its 52-week range of $38.01 to $52.11, BKU sits at the 38.2% percentile with a 14-day RSI of 49.4 (NEUTRAL RANGE) and an implied next-earnings move of ±4.8% ($41.32 to $45.48).

BKU Investor FAQ & Complete 8-Part Research Index

100% OPEN ACCESS • SEC EDGAR × CBOE × FRED

How profitable is BankUnited Inc. (BKU)?

In FY 2025 (10-K), BKU converted $4.0B of revenue into a 52% gross margin, 0% operating margin, and $358.6M in free cash flow (9% FCF margin).

Direct Sub-Reports: BKU RQD Cockpit BKU 12M Forecast BKU Earnings & Move BKU Dividends & DRIP BKU Insiders & 13F BKU Whale Options BKU Profit Sankey BKU News & Why