CATALYSTYahoo • 4d ago
BankUnited: 3 Key Takeaways for Long-Term InvestorsDisciplined pricing over volume growth is expanding margins while buybacks reduce share count, a rare combination that rewards patient shareholders.
Why BKU Stock advanced +1.38% Today — RQD Quant Desk Flash
$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.
ROARABLE C+ • HOLD / WATCH
Cap $3.09B
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Is BKU stock a Buy, Hold, or Sell right now according to Roarable's RQD model?
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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.
✓ Pre-computed one-to-many AI Quant brief
🤖 Ellis Vennor • AI Peer & Flow Quant (Click for Instant Brief)
How does BKU compare to PFS and CLBK in the Financials sector?
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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).
✓ Pre-computed one-to-many AI Quant brief
🤖 Gideon Ashmere • AI SEC 10-K Forensics (Click for Instant Brief)
What are the biggest fundamental strengths and SEC risk factors for BKU?
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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.
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INTERACTIVE SCENARIO DECK:
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
60
Q2 (-2Q)Grade C+$41.94+3.9% Next Q
63
Q3 (-1Q)Grade C+$43.57-0.4% Next Q
65
CurrentGrade C+$43.40+1.8% Hist 90D α
68
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
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”
AUTOMATED RQD QUANT DESK MOVER BRIEFINGFull Market News Desk →
Why BKU Stock advanced +1.38% Today — RQD Quant Desk Flash
BankUnited Inc. (BKU) advanced +1.38% to $43.40, trading at 38% of its 52-week range ($38.01 – $52.11). Solid steady margins (9% return on capital), mixed timing at 12x P/E—hold if owned, no rush to chase.
- ▸Technical Tape: Trading at 38% of its 52-week range ($38.01 – $52.11) with RSI-14 at 49.4 (NEUTRAL RANGE).
- ▸Volatility Profile: Historical 20-day realized swing band of ±4.8% around $43.40 (no active unusual options sweep snapshot on file).
- ▸Fundamental Anchor: Roarable C+ (Hold) backed by 52% gross margin and $358.6M annual free cash flow.
Live BKU Headlines & Catalysts
MARKET WIREBenzinga • 4d ago
Piper Sandler Maintains Neutral on BankUnited, Lowers Price Target to $44Piper Sandler analyst Stephen Scouten maintains BankUnited (NYSE:BKU) with a Neutral and lowers the price target from $47 to $44.
CATALYSTYahoo • 6d ago
BankUnited Heads These 3 Top Dividend Stocks To WatchCentral banks are leaning toward higher interest rates again, which makes reliable income from cash or bonds less straightforward. Investors who want regular payouts without constantly watching rate decisions are paying
MARKET WIRESeekingAlpha • 8d ago
BankUnited, Inc. 2026 Q3 - Results - Earnings Call Presentation2026-10-24. The following slide deck was published by BankUnited, Inc.
CATALYSTSeekingAlpha • 9d ago
Dividend Champion, Contender, And Challenger Highlights: Week October 25Get a weekly summary of dividend activity for Dividend Champions, Contenders, and Challengers, including dividend changes and key ex-dividend dates.
CATALYSTYahoo • 10d ago
BKU Q3 deep dive: margin discipline offsets flat revenues, management eyes selective loan growthRegional banking company BankUnited (NYSE:BKU) fell short of the market’s revenue expectations in Q3 2026 as sales rose 2.1% year on year to $285 million. Its non-GAAP profit of $1.03 per share was in line with analysts’
MARKET WIREBenzinga • 10d ago
Citigroup Maintains Sell on BankUnited, Lowers Price Target to $40Citigroup analyst Benjamin Gerlinger maintains BankUnited (NYSE:BKU) with a Sell and lowers the price target from $42 to $40.
MARKET WIREYahoo • 10d ago
BankUnited (BKU) Q3 Results Spotlight Cleaner Credit As Stock SlipsThe Q3 2026 report from BankUnited dropped with a clean headline. Earnings per share landed at about US$1.02 on revenue of roughly US$271 million, solidly profitable in a quarter where many investors were braced for nois
MARKET WIREBenzinga • 10d ago
RBC Capital Maintains Sector Perform on BankUnited, Lowers Price Target to $48RBC Capital analyst Jon G. Arfstrom maintains BankUnited (NYSE:BKU) with a Sector Perform and lowers the price target from $49 to $48.
MARKET WIREYahoo • 11d ago
BankUnited, Inc. Q3 2026 Earnings Call SummaryMoby summary of BankUnited, Inc.'s Q3 2026 earnings call
ON-DEMAND RQD QUANT WORKSHOP • SPONSORED / PARTNER SPOTLIGHTHosted by Perry Belcher & Roarable Quantitative Research Desk
Scheduled RQD Strong Buys & Whale Accumulation Briefing (BKU Tape Review)
- ✓Breakdown of the highest-scoring RQD Green-Light breakouts across our 5,200+ rated universe
- ✓Forensic Red-Light accounting & dilution traps to review on your watchlist
- ✓Includes downloadable .ics calendar invite & nightly RQD rating-change email alerts
RQD INSIDER CLUB WAITLIST$49/YR PLANNED
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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
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 0001504008In 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 ENABLEDIs 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 × FREDWhy is BKU stock moving today?
Why BKU Stock advanced +1.38% Today — RQD Quant Desk Flash. Solid steady margins (9% return on capital), mixed timing at 12x P/E—hold if owned, no rush to chase.