Financial Services

BankUnited, Inc. (BKU)

$46.67
+1.90%
$3.4B
Market Cap
13.0
P/E Ratio
1.18
Beta
2.85%
Dividend Yield
Piotroski 7/9Altman Z 0.2 Distress

Quantitative Summary

Deterministic

At 13.0x earnings — a 33% discount to the sector average of 19.2x — BKU is in the lower valuation range. Strong operational fundamentals (Piotroski 7/9) with Altman Z of 0.2.

Generated deterministically from quant metrics and financial statements. Not a recommendation.

Valuation Context

13.0x
BKU P/E
19.2x
Sector Avg
8.9x
5Y Avg P/E
-33%
vs Sector

Currently trading 49% above its 5-year average P/E of 8.9x.

Price Chart with Moving Averages

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SMA 50 SMA 200

Technical Setup

AI Generated

BankUnited, Inc. is currently trading at $45.22 within the Financial Services sector. In a relative-value context, this price point establishes a specific position against its Simple Moving Average (SMA) envelope that warrants observation for potential mean-reversion dynamics. When a stock trades near or outside these statistical bands, it often indicates a temporary deviation from its historical average trend rather than a fundamental shift in value. This separation suggests the asset may be experiencing short-term volatility where price action has stretched away from the central tendency defined by the SMA. The implication of such positioning is that market forces could begin to pull the stock back toward the mean if the current momentum lacks supporting volume or broader sector confirmation. Conversely, a sustained trade outside these bounds might signal an extended trend phase before any correction occurs. Without additional context regarding trading volume or macroeconomic factors influencing financial services, the $45.22 level simply represents a snapshot of where the market currently values BKU relative to its recent moving averages. Observers should note that while mean-reversion strategies often look for prices at these extremes, the actual trajectory depends on how quickly capital flows adjust to restore equilibrium with the SMA envelope.

RSI (14)
SMA 50
SMA 200

Quant Health Deep Dive

7/9
Piotroski F-Score
Strong — high operational efficiency and profitability signals
0.2
Altman Z-Score
Distress Zone — below 1.8 threshold per academic model. Thresholds: >3 safe, 1.8–3 grey, <1.8 distress.

Profitability & Value Creation

24.6%
Net Margin
9.6%
WACC
+7.9%
Revenue Growth (YoY)
+15.4%
Earnings Growth (YoY)

DuPont Analysis — ROE Decomposition

Breaking down Return on Equity to see how the company generates its ROE — efficiency, margins, or leverage.

24.6%
Net Profit Margin
NI ÷ Revenue
×
0.03x
Asset Turnover
Revenue ÷ Assets
×
11.47x
Equity Multiplier
Assets ÷ Equity
=
8.8%
Return on Equity
⚠️ High equity multiplier — ROE is being amplified by leverage, not operational excellence.

Balance Sheet Health

10.47x
Debt / Equity

Insider Activity (Last 90 Days)

Net Insider Flow
$-591,492
Net Selling
0
Buy Transactions
3
Sale Transactions
2026-03-09SINGH RAJINDER POther189,876 shares
2026-03-09CORNISH THOMAS MSold 1/8 qtrsOther83,736 shares
2026-03-09BANSAL RISHIOther49,370 shares
2026-03-04MALCOLM KEVIN ASold 2/8 qtrsSale$162,388
2026-02-27RICHARDS JAY D.Sold 4/8 qtrsGrant14,000 shares

Open-market buys vs sells by company insiders. Source: yfinance.

Earnings Surprise History

Q4
✓ Beat
Est: $0.76
Act: $0.77
+0.3%
Q3
✓ Beat
Est: $0.78
Act: $0.91
+17.2%
Q2
✓ Beat
Est: $0.88
Act: $0.95
+7.7%
Q1
✓ Beat
Est: $0.89
Act: $0.94
+5.5%

EPS estimates vs actuals for the most recent reported quarters. Source: yfinance.

Dividend History

$0.3300
Latest Dividend
$1.22
2025 Total
+7.0%
YoY Growth
6 yrs
Consecutive Increases
Annual Dividends per Share
$0.42
2016
$0.84
2017
$0.84
2018
$0.84
2019
$0.90
2020
$0.92
2021
$0.98
2022
$1.06
2023
$1.14
2024
$1.22
2025
$0.64
2026
DateAmountChange
2026-04-10$0.3300+6.5%
2026-01-09$0.31000.0%
2025-10-10$0.31000.0%
2025-07-11$0.31000.0%
2025-04-11$0.3100+6.9%
2025-01-10$0.29000.0%
2024-10-11$0.29000.0%
2024-07-12$0.29000.0%
2024-04-11$0.2900+7.4%
2024-01-11$0.27000.0%
2023-10-12$0.27000.0%
2023-07-13$0.27000.0%

Dividend and split data from SEC filings and market data. Amounts are per share, not adjusted for splits. Source: yfinance.

Risk Profile

38.7%
Annual Volatility
1.31
Sharpe (1Y)
0.86
Sharpe (3Y)
-31.2%
Max Drawdown (3Y)
-64.5%
Max Drawdown (5Y)

Sharpe = risk-adjusted return (higher is better). Max drawdown = largest peak-to-trough decline. 1,200+ trading days.

Underwater (Drawdown from Peak)

How far below the all-time high the price has been over time. Deeper = more pain for holders.

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Rolling 60-Day Beta vs S&P 500 (VOO)

How the stock's sensitivity to market moves changes over time. β > 1 = more volatile than the market.

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Rolling Beta Market (β = 1.0)

Fundamentals

10.2
Forward P/E
0.27
PEG Ratio
1.13
Price/Book
816376
Avg Volume
$52.11
52W High
$33.06
52W Low
71%
52W Range Position

Passive Flow Attribution

ETF Draft Effect
$190M
Tracked Passive Exposure
8
ETFs Holding BKU
0.09%
Avg Weight in ETFs
$219B
Total ETF AUM

When investors buy or sell ETFs like KRE or KBE, the fund manager is mechanically forced to buy or sell BKU shares regardless of BankUnited, Inc.'s individual fundamentals. We estimate $190M of passive capital is structurally linked to BKU through 8 tracked ETFs. Passive flows have a limited but growing influence on BKU's daily trading dynamics.

Passive exposure = Σ (ETF AUM × stock weight in ETF) across 8 tracked ETFs. Actual passive ownership is larger (includes mutual funds). Not investment advice.

ETF Contagion Visualizer

Simulate a price drop in BankUnited, Inc. to visualize passive redemption contagion across ETFs and collateral stocks.

BKU Shock
-0%
Est. Passive Redemption
$0
Systemic Risk
STABLE
BKUEpicenterVYMETFVBRETFVTWOETFABCBHigh RiskAUBHigh RiskFULTHigh RiskBANCHigh RiskFHBHigh Risk
BKU Price Drop (%)0

If BankUnited, Inc. (BKU) experiences a significant drawdown, ETF redemptions can create collateral selling pressure on co-held stocks. Our model identifies AMERIS BANCORP (ABCB) as the most exposed collateral stock, sharing 5 ETFs with BKU. This is the "Passive Contagion" effect described in the Inelastic Market Hypothesis.

Contagion model based on shared ETF exposure and constituent weights across 11 tracked ETFs. Estimated selling pressure is a simplified model — actual impact depends on market liquidity, ETF redemption mechanics, and market-maker activity.

BKU Ownership Dynamics

Passive funds hold 1 in every 16 BKU shares, reducing daily market volatility.

Ticker
BKU
Total Shares
73M
ETF Lock-Up
6.2%
Display Mode
Total Float Impact
6.2%Locked Float

BankUnited, Inc. (BKU) exerts measurable gravity on the passive index market, currently representing 1.4% of the KRE (KRE) and 1.0% of the KBE (KBE). Across 11 tracked ETFs, approximately 5M shares (6.2% of float) are held by passive funds and rarely trade on the open market. As passive ownership grows, index inclusion changes may increasingly drive price discovery.

Float lock-up computed from 11 ETFs tracked by SecuritiesDB. Actual passive ownership is higher (includes mutual funds, pension funds, etc.).

BKU Institutional Volume Profile

252-day volume distribution by price level. The Point of Control (POC) marks the price where the most institutional volume transacted — an implicit support/resistance floor.

TICKER
BKU
PRICE
$46.67
FLOOR (POC)
$37.75
STRENGTH
Medium
$33$34$35$36$378%$38POC 11%$3910%$407%$41$42$43$44$459%$469%$477%$46.67$486%$49$50$51$52
Focus Zone
Point of Control (POC) Support (below price) Resistance (above price) Current Price

The highest-volume price zone for BankUnited, Inc. over the past year sits near $37.75 (11% of 252-day volume). The current price of $46.67 trades 23.6% above this institutional floor — a sign of upside momentum, though a pullback to the POC zone is a common reversion target.

Volume Profile computed from 252 trading days of OHLCV data. Volume allocated to price bins proportionally based on daily high-low range. Not investment advice.

Fails-to-Deliver (FTD) History

SEC-reported settlement failures. Elevated FTDs can indicate high short-selling pressure, operational settlement issues, or naked shorting activity.

DateFailed SharesClose PriceNotional Value
2026-05-142,053$45.84$94,109.52
2026-05-1224$46.37$1,112.88
2026-05-112,516$47.50$119,510
2026-05-07726$47.93$34,797.18
2026-05-06971$47.39$46,015.69
2026-05-0166$46.48$3,067.68
2026-04-22627$46.77$29,324.79
2026-04-106$47.63$285.78
2026-04-07940$46.04$43,277.6
2026-03-3170$44.20$3,094
2026-02-248$48.19$385.52
2026-02-23253$50.07$12,667.71
2026-01-21603$46.39$27,973.17
2026-01-20667$47.08$31,402.36
2026-01-16667$46.69$31,142.23
2026-01-1392$44.45$4,089.4
2026-01-122,591$45.39$117,605.49
2025-12-3121$44.62$937.02
2025-12-261$45.22$45.22
2025-12-2332$45.58$1,458.56
2025-12-1656$45.88$2,569.28
2025-12-152$46.00$92
2025-12-03139$44.02$6,118.78
2025-10-3174$39.86$2,949.64
2025-10-2959$39.78$2,347.02
2025-10-28337$38.98$13,136.26
2025-10-243,209$36.89$118,380.01
2025-10-159,800$39.67$388,766
2025-10-145,215$38.61$201,351.15
2025-10-0820$39.91$798.2

Source: SEC Regulation SHO FTD data. Data is reported with a ~30 day delay. High FTD quantities relative to average daily volume may indicate settlement stress.

Price Correlations

Statistical correlation of daily returns with other stocks. High correlations indicate stocks that move together; negative correlations can offer diversification.

Peer252-Day (1Y)126-Day (6M)Direction
WTGXXNaNNaN
AUB0.8620.858High co-movement
FNB0.8600.846High co-movement
WTFC0.8450.846High co-movement
HWC0.8400.822High co-movement
ONB0.8380.844High co-movement
ASB0.8370.805High co-movement
TCBI0.8340.820High co-movement
ZION0.8310.830High co-movement
CFG0.8310.817High co-movement

Pearson correlation of daily log returns. 252d ≈ 1 trading year. Computed from price history. Not investment advice.

Compare BKU to Peers

Quant metrics computed deterministically from financial statements and price data. Updated: 2026-06-02.

SecuritiesDB provides programmatic data aggregation for informational purposes only. None of the metrics, summaries, or algorithmic flags constitute a recommendation to buy or sell any security.