BKU BankUnited, Inc. - Fundamental Analysis
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BKU Stock | Fundamental Analysis & Investment Insights
NYSE
Financial Services
Banks - Regional
Current Price
Live
$47.64
Analyst Target
$54.09
+13.5%
Upside
52W High
$52.11
52W Low
$28.21
At a glance
Key valuation, profitability, growth, and risk metrics.
Updated Jan 24, 2026
Market cap
$3.58B
P/E
14.22
ROE
9.1%
Profit margin
26.2%
Debt/Equity
N/A
Dividend yield
2.47%
AI Analysis
Powered by advanced machine learning algorithms
Confidence Score
68%
Analysis Accuracy
BKU exhibits weak financial health with a Piotroski F-Score of just 2/9, signaling significant balance sheet and profitability concerns, while the absence of an Altman Z-Score prevents a full distress risk assessment. Despite this, the stock shows strong profitability margins and consistent analyst buy recommendations, supported by a solid dividend yield and a valuation that appears reasonable relative to peers. Earnings growth is nearly flat year-over-year, and technical indicators suggest a weak short-term trend. The current price of $47.64 sits below the analyst target of $54.09 but above the conservative Graham Number of $55.72, indicating mixed value signals.
Key Strengths
High profit and operating margins (26.17% and 36.64%) outperform sector averages
Attractive dividend yield of 2.47% with a sustainable 34.56% payout ratio
Forward P/E of 10.73 is well below sector average of 30.67, suggesting value
Analyst consensus is 'buy' with 11 analysts supporting upside potential
Strong historical price performance: +53% over 3 years and +23.4% in the past year
Key Risks
Critically low Piotroski F-Score of 2/9 indicates deteriorating financial health
Missing key financial data (Debt/Equity, Cash, ROIC, Altman Z-Score) raises transparency concerns
Earnings growth is stagnant (YoY: -0.30%, Q/Q: -0.10%) despite revenue growth
Technical trend score of 10/100 signals strong bearish momentum in the short term
Gross Margin at 0.00% is highly unusual for a regional bank and may indicate data error or structural risk
AI Fair Value Estimate
Based on comprehensive analysis
$50.5
+6.0% above current price
Performance Snowflake
Multi-dimensional analysis across 5 key categories
Overall
58
Moderate
75
50
65
30
70
AI Verdict
Neutral with value appeal but significant health concerns
Key drivers: Low Piotroski score dragging down health, Strong margins and dividend supporting value, Analyst optimism offsetting weak technicals, Missing Altman Z-Score limits risk clarity, Forward valuation appears attractive
Confidence
70%
Value
75/100
Ref P/E, PEG, Graham Number
Positives
- Forward P/E of 10.73 well below sector average (30.67)
- Price/Book of 1.16 is moderate for a financial
- Dividend yield above market average
Watchpoints
- Current price near Graham Number ($55.72), limiting deep value appeal
- PEG unavailable limits growth-adjusted valuation
Future
50/100
Ref Growth rates
Positives
- Analyst target implies ~13.5% upside to $54.09
- Revenue growth of 3.60% is positive
Watchpoints
- Earnings growth negative YoY (-0.30%) and Q/Q (-0.10%)
- No PEG ratio due to unreliable growth trajectory
Past
65/100
Ref Historical trends
Positives
- 5-year price return of +51.1% shows long-term appreciation
- History of frequent earnings beats in recent quarters
Watchpoints
- Earnings volatility evident, including large misses (e.g., -63.6% in Jan 2024)
- EPS growth has declined from highs in 2022
Health
30/100
Ref Altman Z-Score, Piotroski F-Score
Positives
- ROE of 9.15% is positive, though below peer average
- No indication of negative Altman Z-Score (though data missing)
Watchpoints
- Piotroski F-Score of 2/9 indicates severe financial weakness
- Missing Debt/Equity, Current Ratio, and Altman Z-Score limits health assessment
- ROA of only 0.76% suggests poor asset efficiency
Dividend
70/100
Ref Yield, Payout
Positives
- Dividend yield of 2.47% is attractive in current rate environment
- Payout ratio of 34.56% is sustainable
- Dividend strength score of 50/100 indicates moderate reliability
Watchpoints
- No 5-year average yield data to assess consistency
- No ex-dividend date provided, limiting transparency
Stock Price & Analyst Targets
Real-time price movements and analyst price targets
Current Price
$47.64
Analyst Target
$54.09
Upside/Downside
+13.5%
Multi-Horizon Performance vs Peers
Price momentum across 5Y → 1W horizons for BKU and closest competitors.
Updated 2026-01-23
| Company | 5Y | 3Y | 1Y | 6M | 1M | 1W |
|---|---|---|---|---|---|---|
|
BKU
BankUnited, Inc.
Primary
|
+51.1% | +53.0% | +23.4% | +25.7% | +6.1% | +1.2% |
|
BANF
BancFirst Corporation
Peer
|
+88.2% | +37.7% | -9.1% | -13.6% | -0.6% | -3.8% |
|
BHF
Brighthouse Financial, Inc.
Peer
|
+62.1% | +18.8% | +26.1% | +27.7% | -1.0% | +0.1% |
|
AHL
Aspen Insurance Holdings Limite
Peer
|
+14.7% | +14.7% | +14.7% | +16.8% | +0.6% | -0.1% |
|
ARX
Accelerant Holdings
Peer
|
-44.0% | -44.0% | -44.0% | -50.1% | -11.9% | -1.3% |
Positive values indicate cumulative gains over the specified period. Comparables pulled from the same sector to highlight whether momentum is stock-specific or industry-wide.
Historical Performance Trends
Long-term financial metrics and growth patterns
Revenue & Net Income
Profit & Operating Margins
Return on Equity (ROE)
Quarterly Revenue Growth
Historical data shows last 12 quarters (3 years)
Valuation Metrics
Key valuation ratios and pricing indicators
P/E Ratio
14.22
Forward P/E
10.73
PEG Ratio
N/A
P/B Ratio
1.16
P/S Ratio
3.49
EV/Revenue
5.06
EV/EBITDA
N/A
Market Cap
$3.58B
Profitability
Profit margins and return metrics
Profit Margin
26.17%
Operating Margin
36.64%
Gross Margin
N/A
ROE
9.15%
ROA
0.76%
Growth
Revenue and earnings growth rates
Revenue Growth
+3.6%
Earnings Growth
-0.3%
Q/Q Revenue Growth
N/A
Q/Q Earnings Growth
-0.1%
Financial Health
Balance sheet strength and liquidity metrics
Debt/Equity
N/A
Current Ratio
N/A
Quick Ratio
N/A
Cash/Share
$2.94
Quarterly Earnings History
EPS performance vs analyst estimates
2026-04-27
$N/A
2026-01-21
$0.94
+5.5% surprise
2025-10-22
$0.95
+7.7% surprise
2025-07-23
$0.91
+17.2% surprise
Financial Services Sector Comparison
Comparing BKU against 208 companies in the Financial Services sector
(5 bullish, 111 neutral, 92 bearish)
P/E Ratio
14.22
This Stock
vs
30.37
Sector Avg
-53.2%
(Discount)
Return on Equity (ROE)
9.15%
This Stock
vs
-7.62%
Sector Avg
-220.0%
(Below Avg)
Profit Margin
26.17%
This Stock
vs
82.75%
Sector Avg
-68.4%
(Weaker)
Revenue Growth
3.6%
This Stock
vs
28.35%
Sector Avg
-87.3%
(Slower)
Similar Companies
Peer comparison within the same industry
| Company | AI Rating | Market Cap | P/E | ROE | Profit Margin | Price | |
|---|---|---|---|---|---|---|---|
|
BKU
BankUnited, Inc.
|
NEUTRAL | $3.58B | 14.22 | 9.1% | 26.2% | $47.64 | |
|
BANF
BancFirst Corporation
|
NEUTRAL | $3.64B | 16.66 | 14.1% | 35.6% | $108.47 | |
|
BHF
Brighthouse Financial, Inc.
|
BEARISH | $3.67B | 4.52 | 16.2% | 12.3% | $64.11 | |
|
AHL
Aspen Insurance Holdings Limite
|
BEARISH | $3.42B | 5.48 | 14.0% | 14.2% | $37.26 | |
|
ARX
Accelerant Holdings
|
BEARISH | $3.29B | - | -280.1% | -182.9% | $14.85 |
Wall Street Analysts
Professional analyst ratings and price targets
Consensus
BUY
11 analysts
Citigroup
2026-01-23
Neutral
Neutral
Goldman Sachs
2026-01-23
Sell
Sell
Barclays
2026-01-22
Equal-Weight
Equal-Weight
Jefferies
2026-01-22
Buy
Buy
RBC Capital
2026-01-22
Sector Perform
Sector Perform
Piper Sandler
2026-01-22
Neutral
Neutral
Keefe, Bruyette & Woods
2026-01-22
Market Perform
Market Perform
Raymond James
2026-01-15
Outperform
Wells Fargo
2026-01-05
Overweight
Overweight
Barclays
2025-12-19
Equal-Weight
Equal-Weight
Past News Coverage
Recent headlines mentioning BKU from our newsroom.
Newest → oldest
No matching news yet.