Skip to main content

BankUnited, Inc. (BKU) Stock Analysis

HoldModerate Confidence

Financial Services · Banks - Regional

Hold if already holding. Not a fresh buy at $45.56, but acceptable to hold if already in. Reasons: Concentration risk — Geographic: Florida and New York Tri-State area; Analyst target reached - limited upside remaining.

BankUnited is a $35B national banking association headquartered in Miami Lakes, FL, serving small, middle-market, and large corporate clients primarily in Florida and the New York Tri-State area with expanding operations in Dallas, Atlanta, and Charlotte. Revenue is earned from... Read more

$45.56+0.3% A.UpsideScore 5.1/10#128 of 142 Banks - Regional
QualityF-score8 / 9FCF yield—
IncomeYield2.90%(5y avg 3.10%)Payout34.64%sustainable
Stop $43.20Target $45.71(analyst − 13%)A.R:R 0.1:1
Analyst target$52.55+15.3%11 analysts
$45.71our TP
$45.56price
$52.55mean
$60

Hold if already holding. Not a fresh buy at $45.56, but acceptable to hold if already in. Reasons: Concentration risk — Geographic: Florida and New York Tri-State area; Analyst target reached - limited upside remaining. Chart setup: No recognized chart pattern (not a breakout, bounce, continuation, recovery, falling knife, or range) — technicals mixed. Maintain position. Not compelling to add more. Score 5.1/10, moderate confidence.

Passes 6/8 gates (clean insider activity, no SEC red flags, news events none recent, earnings proximity 63d clear, semi cycle peak clear, materials cycle peak clear). Fails on weak momentum and favorable risk/reward ratio. Suitability: aggressive.

Val7.2Qual5.2Grw3.3Mom2.5Sent6.5Ins5.0Peer3.7Tech7.0Risk6.35.1OVERALL

Recent Developments — BankUnited, Inc.

Latest news

Generated 2026-05-20T20:21:21Z.

Thesis

Rewards
Sector modifier (Financial Services): +1.0
Strong earnings beat streak (3/4)
Attractive valuation
Risks
Concentration risk — Geographic: Florida and New York Tri-State area
Analyst target reached - limited upside remaining
V7 low-quality RISK_OFF penalty: -0.5 (Q=5.2)

Key Metrics

P/E (TTM)12.7
P/E (Fwd)10.0
Mkt Cap$3.3B
EV/EBITDA—
Profit Mgn26.3%
ROE9.2%
Rev Growth3.7%
Beta1.18
Dividend2.90%
Rating analysts15

Quality Signals

Piotroski F8/9

Options Flow

P/C0.06bullish
IV46%normal
Max Pain$40-12.2% vs spot

Concentration Risks(10-K Item 1A)

  • HIGHGeographicFlorida and New York Tri-State area
    10-K Item 1A: 'our operations remain concentrated in Florida and the New York Tri-State area'
  • MEDIUMregulatoryOCC
    10-K Item 1: 'As a national bank, BankUnited is subject to ongoing and comprehensive supervision, regulation, examination and enforcement by the OCC'

Model-generated analysis — not investment advice. Not a registered investment advisor. Past performance does not guarantee future results. Full disclaimer

Rating Breakdown

3 floor-breakers

Momentum below the gate floor. Component breakdown shows what dragged the score down.static

Macd
0.0
Volume
0.0
Obv
1.0
Ma Position
4.0
Rsi
7.6
Uptrend pullback (RSI 39) - buy opportunityVolume distribution (falling OBV)Above 200-day MA

Growth below the gate floor. Component breakdown shows what dragged the score down.static

Earnings Growth
3.3
Revenue Growth
3.4

Ranks in the bottom of its industry peers on the composite signal. Better names in the same sector exist.static

Growth Rank
1.4
Quality Rank
2.8
Value Rank
5.4
GatesMomentum 2.5<4.5A.R:R 0.1 < 1.5@spotInsider activity: OKNo SEC red flagsNEWS EVENTS NONE RECENTEARNINGS PROXIMITY 63d clearSEMI CYCLE PEAK CLEARMATERIALS CYCLE PEAK CLEARSuitability: Aggressive
RSI
39 · Neutral
↓ 20D MA↓ 50D MA↑ 200D MAGOLDEN CROSSSupport $44.29Resistance $48.69

Price Targets

$43
$46
A.Upside+0.3%
A.R:R0.1:1

Position Sizing

ConvictionNone
Suggested %0.5%
Max %1%
RegimeRisk-Off

Risk Alerts

! Target reached (0.3% upside)
! Momentum score 2.5/10 — below 4.5 minimum
! Reward/Risk 0.1:1 at current price — below 1.5:1 minimum

Earnings

B
B
B
M
3/4 beats
Next Earnings2026-07-22 (63d)

Verdict History

reverse chrono — latest first
Loading history...
Verdicts are recorded on every nightly pipeline run. Rows capture transitions (verdict flips, score deltas ≥0.3, entry/TP/SL changes). Rows with a ▶ can be expanded to see the change reason. Aggregate cohort performance is tracked in the recommendation ledger.
Frequently Asked Questions
Is BKU stock a buy right now?

Hold if already holding. Not a fresh buy at $45.56, but acceptable to hold if already in. Reasons: Concentration risk — Geographic: Florida and New York Tri-State area; Analyst target reached - limited upside remaining. Chart setup: No recognized chart pattern (not a breakout, bounce, continuation, recovery, falling knife, or range) — technicals mixed. Maintain position. Not compelling to add more. Target $45.71 (+0.3%), stop $43.20 (−5.5%), A.R:R 0.1:1. Score 5.1/10, moderate confidence.

What is the BKU stock price target?

Take-profit target: $45.71 (+0.3% upside). Target $45.71 (+0.3%), stop $43.20 (−5.5%), A.R:R 0.1:1. Stop-loss: $43.20.

What are the risks of investing in BKU?

Concentration risk — Geographic: Florida and New York Tri-State area; Analyst target reached - limited upside remaining; V7 low-quality RISK_OFF penalty: -0.5 (Q=5.2).

Is BKU overvalued or undervalued?

BankUnited, Inc. trades at a P/E of 12.7 (forward 10.0). TrendMatrix value score: 7.2/10. Verdict: Hold.

What do analysts say about BKU?

15 analysts cover BKU with a consensus score of 3.6/5. Average price target: $53.

What does BankUnited, Inc. do?BankUnited is a $35B national banking association headquartered in Miami Lakes, FL, serving small, middle-market, and...

BankUnited is a $35B national banking association headquartered in Miami Lakes, FL, serving small, middle-market, and large corporate clients primarily in Florida and the New York Tri-State area with expanding operations in Dallas, Atlanta, and Charlotte. Revenue is earned from commercial lending, commercial real estate, deposit products, and national specialty platforms including municipal finance (Pinnacle) and HOA/title services.

Related stocks: IFS (Intercorp Financial Services In) · CUBI (Customers Bancorp, Inc) · COLB (Columbia Banking System, Inc.) · GABC (German American Bancorp, Inc.) · INDB (Independent Bank Corp.)