BKU

NEUTRAL

$45.69 Live

BankUnited, Inc. · NYSE

Target $52.09 (+14.0%)

$31.35 52W Range $52.11

BKU BankUnited, Inc. - Fundamental Analysis

NEUTRAL

Console Chart News

BKU Stock | Fundamental Analysis & Investment Insights

NYSE • Financial Services • Banks - Regional

Current Price Live

$45.69

Analyst Target

$52.09

+14.0% Upside

52W High

$52.11

52W Low

$31.35

Overview AI Snowflake Price Valuation Profitability Growth Health Peers Insiders SEC Filings

At a glance

Key valuation, profitability, growth, and risk metrics.

Updated Apr 27, 2026

Market cap

$3.36B

P/E

12.76

ROE

9.2%

Profit margin

26.3%

Debt/Equity

N/A

Dividend yield

2.89%

AI Analysis

AI-powered fundamental assessment

Confidence

85%

BankUnited (BKU) presents a stark contrast between deep value and deteriorating fundamental health, highlighted by a weak Piotroski F-Score of 2/9. While the stock trades at a significant discount to its Graham Number ($57.60) and Intrinsic Value ($59.43), the low health score and bearish insider sentiment suggest underlying operational risks. The valuation is highly attractive with a PEG ratio of 0.27, but the technical trend is currently bearish. Overall, the stock is a value play that requires caution due to poor deterministic health markers.

Key Strengths

Significant undervaluation relative to Graham Number ($57.6) and Intrinsic Value ($59.43)

Very low PEG ratio (0.27) suggesting growth is not priced into the stock

Strong historical price performance (1Y change +39.8%, 3Y change +144.2%)

Sustainable dividend profile with a 34.64% payout ratio

Low P/E (12.76) and Forward P/E (10.06) compared to sector averages

Key Risks

Critically low Piotroski F-Score (2/9) indicating weak financial health trends

Bearish insider activity with consistent selling and zero buy transactions

Bearish technical trend (0/100) suggesting lack of immediate price momentum

Sluggish revenue growth (3.70% YoY) compared to broader financial sector peers

Recent earnings volatility with a -11.7% Q/Q EPS growth

AI Fair Value Estimate

Based on comprehensive analysis

$57.5

+25.8% above current price

Performance Snowflake

Multi-dimensional analysis across 5 key categories

Overall

Strong

Value

Future

Past

Health

Dividend

AI Verdict

Undervalued but Fragile

Key drivers: Deep value metrics, Poor Piotroski health score, Bearish insider/technical signals

Confidence

80%

Value

92/100

Ref P/E 12.76, PEG 0.27, Graham Number $57.6

Positives

Price $45.69 is well below Graham Number $57.6
PEG ratio of 0.27 is exceptionally low
P/B ratio of 1.11 is conservative for a regional bank

Watchpoints

No urgent risks highlighted.

Future

55/100

Ref Growth rates

Positives

Positive YoY earnings growth (6.40%)
Positive Q/Q revenue growth (8.98%)

Watchpoints

Low overall revenue growth (3.70%)
Recent Q/Q EPS decline (-11.7%)

Past

78/100

Ref Historical trends

Positives

Strong 3-year return of 144.2%
Consistent history of earnings beats over 25 quarters

Watchpoints

Recent trend of missing estimates (2/4 last quarters)

Health

20/100

Ref Piotroski F-Score

Positives

No standout positives identified.

Watchpoints

Piotroski F-Score of 2/9 is in the 'Weak' category

Dividend

70/100

Ref Yield, Payout

Positives

Healthy 2.89% yield
Low payout ratio (34.64%) provides room for growth

Watchpoints

No urgent risks highlighted.

Stock Price & Analyst Targets

Real-time price movements and analyst price targets

Current Price

$45.69

Analyst Target

$52.09

Upside/Downside

+14.0%

Multi-Horizon Performance vs Peers

Price momentum across 5Y → 1W horizons for BKU and closest competitors.

Updated 2026-04-24

Company	5Y	3Y	1Y	6M	1M	1W
BKU BankUnited, Inc. Primary	+18.6%	+144.2%	+39.8%	+22.2%	+1.4%	-4.6%
MCHB Mechanics Bancorp Peer	-57.9%	+48.2%	+42.3%	+16.6%	+4.9%	-0.8%
GBDC Golub Capital BDC, Inc. Peer	+36.8%	+33.6%	-0.4%	-1.4%	+6.1%	-0.9%
AHL Aspen Insurance Holdings Limite Peer	+14.7%	+14.7%	+14.7%	+16.8%	+0.6%	-0.1%
GNW Genworth Financial, Inc. Peer	+102.3%	+53.2%	+30.9%	+5.7%	+11.4%	+0.6%

BKU

BankUnited, Inc.

Primary

+18.6%

+144.2%

+39.8%

+22.2%

+1.4%

-4.6%

MCH

Mechanics Bancorp

Peer

-57.9%

+48.2%

+42.3%

+16.6%

+4.9%

-0.8%

GBD

Golub Capital BDC, Inc.

Peer

+36.8%

+33.6%

-0.4%

-1.4%

+6.1%

-0.9%

AHL

Aspen Insurance Holdings Limite

Peer

+14.7%

+16.8%

+0.6%

-0.1%

GNW

Genworth Financial, Inc.

Peer

+102.3%

+53.2%

+30.9%

+5.7%

+11.4%

+0.6%

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

12.76

10.06

0.27

1.11

3.25

4.88

N/A

$3.36B

Profitability

Profit margins and return metrics

Profit Margin 26.28%

Operating Margin 32.4%

Gross Margin N/A

ROE 9.19%

ROA 0.77%

Growth

Revenue and earnings growth rates

Revenue Growth +3.7%

Earnings Growth +6.4%

Q/Q Revenue Growth +8.98%

Q/Q Earnings Growth +5.8%

Financial Health

Balance sheet strength and liquidity metrics

Debt/Equity

N/A

Current Ratio

N/A

Quick Ratio

N/A

Cash/Share

$5.25

Quarterly Earnings History

EPS performance vs analyst estimates

2026-07-22

$N/A

2026-04-22

$0.83

-13.5% surprise

2026-01-21

$0.94

+5.5% surprise

2025-10-22

$0.95

+7.7% surprise

Financial Services Sector Comparison

Comparing BKU against 820 companies in the Financial Services sector (141 bullish, 351 neutral, 328 bearish)

P/E Ratio

12.76

This Stock

36.01

Sector Avg

-64.6% (Discount)

Return on Equity (ROE)

9.19%

This Stock

-0.73%

Sector Avg

-1354.3% (Below Avg)

Profit Margin

26.28%

This Stock

91.62%

Sector Avg

-71.3% (Weaker)

Revenue Growth

3.7%

This Stock

35.27%

Sector Avg

-89.5% (Slower)

Similar Companies

Peer comparison within the same industry

Company	AI Rating	Market Cap	P/E	ROE	Profit Margin	Price
BKU BankUnited, Inc.	NEUTRAL	$3.36B	12.76	9.2%	26.3%	$45.69
MCHB Mechanics Bancorp	NEUTRAL	$3.41B	12.61	10.3%	41.3%	$15.39	Compare
GBDC Golub Capital BDC, Inc.	BEARISH	$3.31B	10.06	8.3%	38.6%	$12.58	Compare
AHL Aspen Insurance Holdings Limite	BEARISH	$3.42B	5.48	14.0%	14.2%	$37.26	Compare
GNW Genworth Financial, Inc.	NEUTRAL	$3.45B	16.48	3.6%	3.1%	$8.9	Compare

BKU BankUnited, Inc.

NEUTRAL

Mkt Cap

$3.4B

P/E

12.8

ROE

9.2%

Price

$45.69

MCHB Mechanics Bancorp

Compare with BKU

GBDC Golub Capital BDC, Inc.

Compare with BKU

Compare with BKU

Compare with BKU

Recent Insider Trading

Insider buy and sell transactions from the last 6 months

Date	Insider	Position	Transaction	Shares	Value
2026-03-09	SINGH RAJINDER P	Chief Executive Officer	Stock Award	189,876	-
2026-03-09	CORNISH THOMAS M	Chief Operating Officer	Stock Award	83,736	-
2026-03-09	BANSAL RISHI	Officer	Stock Award	49,370	-
2026-03-04	MALCOLM KEVIN A	Officer of Subsidiary Company	Sale	3,447	$162,388
2026-02-27	RICHARDS JAY D.	Officer	Stock Award	14,000	-
2026-02-27	MALCOLM KEVIN A	Officer of Subsidiary Company	Stock Award	4,000	-
2026-02-09	SOBTI SANJIV	Director	Sale	5,000	$254,400
2026-02-03	RICHARDS JAY D.	Officer	Sale	3,506	$174,704

SINGH RAJINDER P

Chief Executive Officer

Stock Award

2026-03-09

189,876 shares

CORNISH THOMAS M

Chief Operating Officer

Stock Award

2026-03-09

83,736 shares

BANSAL RISHI

Officer

Stock Award

2026-03-09

49,370 shares

MALCOLM KEVIN A

Officer of Subsidiary Company

Sell

2026-03-04

3,447 shares · $162,388

RICHARDS JAY D.

Officer

Stock Award

2026-02-27

14,000 shares

MALCOLM KEVIN A

Officer of Subsidiary Company

Stock Award

2026-02-27

4,000 shares

SOBTI SANJIV

Director

Sell

2026-02-09

5,000 shares · $254,400

RICHARDS JAY D.

Officer

Sell

2026-02-03

3,506 shares · $174,704

Insider transactions can signal confidence or concerns about company prospects

SEC Filings

Recent regulatory filings from the SEC EDGAR database

8-K

2026-04-22

Bakkt Holdings, Inc. filed an 8-K on April 22, 2026, likely to announce its first-quarter financial results.

DEF 14A

2026-04-10

BKU filed a definitive proxy statement (DEF 14A) on April 10, 2026, providing shareholders with necessary information to vote on corporate matters.

10-K

2026-02-26

BKU filed its annual 10-K report on February 26, 2026. The provided excerpts do not contain specific financial metrics or detailed risk factors, as only section headers and page numbers were included.

8-K

2026-02-11

Bakkt Holdings, Inc. filed an 8-K on February 11, 2026, likely to announce its fourth quarter and full-year financial results.

8-K

2026-01-21

Bakkt Holdings, Inc. filed an 8-K, likely to report its fourth-quarter and full-year financial results.

8-K

2025-11-21

8-K

2025-11-10

10-Q

2025-11-05

8-K

2025-10-22

8-K

2025-08-22

10-Q

2025-08-05

8-K

2025-07-25

8-K

2025-07-23

8-K

2025-05-23

10-Q

2025-05-08

Data sourced from SEC EDGAR. AI summaries generated automatically.

Wall Street Analysts

Professional analyst ratings and price targets

Consensus

BUY

11 analysts

Citigroup

2026-04-24

Maintains

Neutral Neutral

Keefe, Bruyette & Woods

2026-04-23

Maintains

Market Perform Market Perform

Barclays

2026-04-07

Maintains

Equal-Weight Equal-Weight

Wells Fargo

2026-03-30

Maintains

Overweight Overweight

Cantor Fitzgerald

2026-03-03

Maintains

Overweight Overweight

Jefferies

2026-02-02

Maintains

Buy Buy

Citigroup

2026-01-23

Maintains

Neutral Neutral

Goldman Sachs

2026-01-23

Maintains

Sell Sell

Barclays

2026-01-22

Maintains

Equal-Weight Equal-Weight

Jefferies

2026-01-22

Maintains

Buy Buy

Past News Coverage

Recent headlines mentioning BKU from our newsroom.

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BKU

BKU BankUnited, Inc. - Fundamental Analysis

At a glance

AI Analysis

Key Strengths

Key Risks

Performance Snowflake

Stock Price & Analyst Targets

Multi-Horizon Performance vs Peers

Historical Performance Trends

Revenue & Net Income

Profit & Operating Margins

Return on Equity (ROE)

Quarterly Revenue Growth

Valuation Metrics

Profitability

Growth

Financial Health

Quarterly Earnings History

Financial Services Sector Comparison

Similar Companies

Recent Insider Trading

SEC Filings

Wall Street Analysts

Past News Coverage

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