BankUnited, Inc. (BKU)
Quantitative Summary
DeterministicAt 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
Currently trading 49% above its 5-year average P/E of 8.9x.
Price Chart with Moving Averages
Technical Setup
AI GeneratedBankUnited, 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.
Quant Health Deep Dive
Profitability & Value Creation
DuPont Analysis — ROE Decomposition
Breaking down Return on Equity to see how the company generates its ROE — efficiency, margins, or leverage.
Balance Sheet Health
Insider Activity (Last 90 Days)
Open-market buys vs sells by company insiders. Source: yfinance.
Earnings Surprise History
EPS estimates vs actuals for the most recent reported quarters. Source: yfinance.
Dividend History
| Date | Amount | Change |
|---|---|---|
| 2026-04-10 | $0.3300 | +6.5% |
| 2026-01-09 | $0.3100 | 0.0% |
| 2025-10-10 | $0.3100 | 0.0% |
| 2025-07-11 | $0.3100 | 0.0% |
| 2025-04-11 | $0.3100 | +6.9% |
| 2025-01-10 | $0.2900 | 0.0% |
| 2024-10-11 | $0.2900 | 0.0% |
| 2024-07-12 | $0.2900 | 0.0% |
| 2024-04-11 | $0.2900 | +7.4% |
| 2024-01-11 | $0.2700 | 0.0% |
| 2023-10-12 | $0.2700 | 0.0% |
| 2023-07-13 | $0.2700 | 0.0% |
Dividend and split data from SEC filings and market data. Amounts are per share, not adjusted for splits. Source: yfinance.
Risk Profile
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.
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.
Fundamentals
Passive Flow Attribution
ETF Draft EffectWhen 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.
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.
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.
ETFs with Highest BKU Exposure
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.
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.
| Date | Failed Shares | Close Price | Notional Value |
|---|---|---|---|
| 2026-05-14 | 2,053 | $45.84 | $94,109.52 |
| 2026-05-12 | 24 | $46.37 | $1,112.88 |
| 2026-05-11 | 2,516 | $47.50 | $119,510 |
| 2026-05-07 | 726 | $47.93 | $34,797.18 |
| 2026-05-06 | 971 | $47.39 | $46,015.69 |
| 2026-05-01 | 66 | $46.48 | $3,067.68 |
| 2026-04-22 | 627 | $46.77 | $29,324.79 |
| 2026-04-10 | 6 | $47.63 | $285.78 |
| 2026-04-07 | 940 | $46.04 | $43,277.6 |
| 2026-03-31 | 70 | $44.20 | $3,094 |
| 2026-02-24 | 8 | $48.19 | $385.52 |
| 2026-02-23 | 253 | $50.07 | $12,667.71 |
| 2026-01-21 | 603 | $46.39 | $27,973.17 |
| 2026-01-20 | 667 | $47.08 | $31,402.36 |
| 2026-01-16 | 667 | $46.69 | $31,142.23 |
| 2026-01-13 | 92 | $44.45 | $4,089.4 |
| 2026-01-12 | 2,591 | $45.39 | $117,605.49 |
| 2025-12-31 | 21 | $44.62 | $937.02 |
| 2025-12-26 | 1 | $45.22 | $45.22 |
| 2025-12-23 | 32 | $45.58 | $1,458.56 |
| 2025-12-16 | 56 | $45.88 | $2,569.28 |
| 2025-12-15 | 2 | $46.00 | $92 |
| 2025-12-03 | 139 | $44.02 | $6,118.78 |
| 2025-10-31 | 74 | $39.86 | $2,949.64 |
| 2025-10-29 | 59 | $39.78 | $2,347.02 |
| 2025-10-28 | 337 | $38.98 | $13,136.26 |
| 2025-10-24 | 3,209 | $36.89 | $118,380.01 |
| 2025-10-15 | 9,800 | $39.67 | $388,766 |
| 2025-10-14 | 5,215 | $38.61 | $201,351.15 |
| 2025-10-08 | 20 | $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.
| Peer | 252-Day (1Y) | 126-Day (6M) | Direction |
|---|---|---|---|
| WTGXX | NaN | NaN | |
| AUB | 0.862 | 0.858 | High co-movement |
| FNB | 0.860 | 0.846 | High co-movement |
| WTFC | 0.845 | 0.846 | High co-movement |
| HWC | 0.840 | 0.822 | High co-movement |
| ONB | 0.838 | 0.844 | High co-movement |
| ASB | 0.837 | 0.805 | High co-movement |
| TCBI | 0.834 | 0.820 | High co-movement |
| ZION | 0.831 | 0.830 | High co-movement |
| CFG | 0.831 | 0.817 | High 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.