BKU · BankUnited, Inc.
$46.21
-0.62 (-1.32%)
At close · Aug 20
Market Cap
$3.29B
Shares
71.23M
Price & Indicators
20d MA
50d MA
200d MA
Earnings
Filing
Insider
Congress
Investor day
Close$46.21
Open$46.64
Day$46.18–46.77
52W close$35.36–50.93
Avg vol 30d881K
Short int2.7M · 3.8% float · 2.1d
Short vol45%
Last earningsJul 22, 2026
DataJan 2020–Aug 2026
Filing10-Q · Aug 6
Up next
Next earnings call
Oct 21, 2026
Est · unconfirmed
· in 9 wks
FQ3-26 quarter ends
~Sep 30, 2026
Est
filed Aug 6, 2026
AI Brief
TL;DR.
Bullish
Bearish
From the call
AI-generated from the earnings call and 8-K · may contain errors · not investment advice
Ask ALVIS about this →Equibles Rating
blended score · not investment adviceOverall
Buy
SellHoldBuy
Technical
Buy
Momentum
Neutral
Sentiment
Bullish
Fundamentals
Strong
Quant / Vol
Moderate
Market backdrop
VIX 14.9 · calm
Equity put/call 0.52
Technical
price trend
50 / 200-day cross
No cross
Price vs 200-day avg
+0%
above
Price vs 50-day avg
−3%
below
RSI (14)
42
neutral
MACD trend
Positive
52-week position
70%
mid-range
Momentum
relative strength
1-month return
−2%
trailing
6-month return
−1%
trailing
YTD return
+4%
this year
Relative strength
−12%
vs S&P · 6-mo
Sentiment
smart money
Trend (MA cross)
No cross
50d $48 › 200d $46 — 50d above 200d
Institutional flow
Accumulating
+4% holders QoQ · +52 funds added
Insider flow
Distributing
Net -$384.4K over 90 days · 100% sells
Short interest
Falling
3.76% of float · ▼ -14.8% MoM · 2.1 days cover
Volume signal
Normal
Volume near normal
Institution breadth
Multi-yr high
337 holders — near 3-yr high, broad support
Squeeze score
39
low risk · 0–100
Fundamentals
Revenue growth
+7%
Y/Y
EPS growth
+15%
Y/Y
Free cash flow
$335.3M
Valuation
P/E 12.7
in line
Buyback
$200.0M
authorized
Balance sheet
$87.2M
net debt
Quant / Vol
risk profile
Volatility
29%
annualized · 1-yr
Max drawdown
−16%
past year
ATR
2.2%
of price · 14-day
Blended from price, momentum, positioning, fundamentals & volatility · daily-close · not investment advice. Market backdrop is context, not part of the score.
Guidance & track record
Latest guidance
· from the 8-K filed Jul 22, 2026
Full Year 2026
Full Year NIM
Initiated
3.08%
Non-Interest Income
Initiated
7%
Credit Provision
Initiated
$68 – $72
Tax Rate
Initiated
26%
Capital (CET1)
Initiated
11.8%
Fourth Quarter 2026
Fourth Quarter NIM
Initiated
3.15%
Prior guidance
period ended
· from the Earnings Call filed Dec 31, 2023
Effective tax rate (ETR)
· upcoming year
25.5%
Residential loans
· this year
$700M – $800M
Guidance from company 8-Ks · delivered figures from as-reported statements · no analyst estimates involved.
Technicals
trend & momentum for long-term holders Buy
50 / 200-day cross
No cross
Neutral
Price vs 200-day avg
+0%
Bullish
Price vs 50-day avg
−3%
Neutral
RSI (14)
42
Neutral
MACD trend
Positive
Bullish
52-week position
70%
Neutral
Market signals — smart money & positioning
Bullish · 3 of 6
Trend (MA cross)
No cross
50d $48 › 200d $46 — 50d above 200d
Institutional flow
Accumulating
+4% holders QoQ · +52 funds added
Insider flow
Distributing
Net -$384.4K over 90 days · 100% sells
Short interest
Falling
3.76% of float · ▼ -14.8% MoM · 2.1 days cover
Volume signal
Normal
Volume near normal
Institution breadth
Multi-yr high
337 holders — near 3-yr high, broad support
Price context
position in its 52-week range
Range low $35
Now $46 · 70%
Range high $51
vs 200-day avg +0%
vs 50-day avg -3%
Illustrative technical + ownership context — a signal mix, not investment advice.
Key metrics
the company's own KPIs, from written earnings releases and filings| Metric | Latest | Period | YoY |
|---|---|---|---|
| ACL to Non-Performing Loans | 97.14% | 2Q26 | — |
| ACL to total loans | 0.91% | June 30, 2026 | — |
| Adjusted EPS non-GAAP | $0.94 | 4Q25 | — |
GAAP → non-GAAP reconciliationGAAP EPS (GAAP) $0.9
+$0.04 Write downs on capitalized software
= Adjusted EPS $0.94
|
|||
| Adjusted net income non-GAAP | $72M | 4Q25 | — |
GAAP → non-GAAP reconciliationGAAP Net income 69M
+4M Write downs on capitalized software
-1M Tax effect of adjustment
= Adjusted net income 72M
|
|||
| Adjusted ROA non-GAAP | 0.81% | 4Q25 | — |
| Adjusted ROE non-GAAP | 9.2% | 4Q25 | — |
| Allowance for credit losses to non-performing loans | 97.14% | June 30, 2026 | — |
| Average Core Loans | $17.01B | 2Q26 | — |
| Average Cost of Deposits | 2.05% | 2Q26 | — |
|
|
|||
| Average Total Loans | $23.84B | 2Q26 | — |
| Brokered deposits percentage of total deposits | 10.5% | 2Q26 | — |
| CET1 | 12.3% | 2Q26 | — |
| Commercial ACL to commercial loans | 1.3% | June 30, 2026 | — |
| Common Equity Tier 1 ("CET1") risk-based capital (BankUnited, Inc.) | 12.3% | June 30, 2026 | — |
| Common Equity Tier 1 ("CET1") risk-based capital (BankUnited, N.A.) | 13% | June 30, 2026 | — |
| Ending Core Deposits (excluding brokered) | $25.85B | 2Q26 | — |
| Ending Non-Interest DDA | $9.94B | 2Q26 | — |
| Ending Total Deposits | $28.88B | 2Q26 | — |
| NDFI Exposure | 1.3B | June 30, 2026 | — |
| Net Charge-Offs Ratio, Trailing 12 Months | 0.35% | 2Q26 | — |
| Net Charge-offs to Average Loans | 0.11% | 2Q26 | — |
| Net charge-offs to average loans, trailing twelve months | 0.35% | June 30, 2026 | — |
| Net Charge-Offs, Trailing 12 months | $36.1M | 2Q26 | — |
| Net interest margin | 3.06% | 2Q26 | — |
| NIDDA as percent of total deposits | 34.4% | 2Q26 | — |
| Non-performing loans to total loans | 0.94% | June 30, 2026 | — |
| Non-performing loans, excluding the guaranteed portion of non-accrual SBA loans, to total loans | 0.81% | June 30, 2026 | — |
| NPA Ratio | 0.66% | 2Q26 | — |
| NPA Ratio (Excluding Guaranteed Portion of Non-Accrual SBA Loans) | 0.57% | 2Q26 | — |
| Office Portfolio ACL | 1.98% | 2Q26 | — |
| PPNR non-GAAP | $109.9M | 2Q26 | — |
|
|
|||
| Quarterly Cost of Deposits | 2.05% | 2Q26 | — |
| ROA | 0.81% | 2Q26 | — |
| ROE | 9.3% | 2Q26 | — |
| Share Repurchases amount | $50.1M | 2Q26 | — |
|
|
|||
| Shares repurchased | 1.1M | 2Q26 | — |
|
|
|||
| Tangible Book Value per Share non-GAAP | $40.48 | 2Q26 | — |
| Tangible Common Equity Ratio non-GAAP | 8.4% | 2Q26 | — |
| Tangible Common Equity/Tangible Assets | 8.4% | June 30, 2026 | — |
| Tangible stockholders' equity non-GAAP | $2.93B | 2Q26 | — |
| Tier 1 leverage (BankUnited, Inc.) | 8.9% | June 30, 2026 | — |
| Tier 1 leverage (BankUnited, N.A.) | 9.4% | June 30, 2026 | — |
| Total risk-based capital (BankUnited, Inc.) | 13.9% | June 30, 2026 | — |
| Total risk-based capital (BankUnited, N.A.) | 13.9% | June 30, 2026 | — |
| Net Charge-offs for the trailing twelve months | 0.37% | Q1 2026 | — |
| ACL Coverage of CRE office | 2.03% | December 31, 2025 | — |
| ACL Coverage of total loans | 0.91% | December 31, 2025 | — |
| Additional share repurchase authorization | $200M | Q4 2025 | — |
| Annualized ROA | 0.78% | Q4 2025 | — |
| AOCI change | $15.6M | Q4 2025 | — |
| Core loans growth | $769M | Q4 2025 | — |
| Criticized and Classified Loans decline | $27M | Q4 2025 | — |
| Loan-to-Deposit Ratio | 82.7% | Q4 2025 | — |
| Net Interest Margin (tax-equivalent) | 2.95% | Full Year 2025 | — |
| Non-Brokered Deposits growth | $1.8B | Full Year 2025 | — |
| Non-Interest Bearing Deposits (NIDDA) growth | $1.5B | Full Year 2025 | — |
| Non-Interest Bearing Deposts (NIDDA) growth | $485M | Q4 2025 | — |
| Non-Performing Loans change | -$7M | Q4 2025 | — |
| Quarterly Dividend per share | $0.33 | Q4 2025 | — |
| Total Deposits growth | $1.5B | Full Year 2025 | — |
| Total Loans growth | $571M | Q4 2025 | — |
| Wholesale Funding reduction | $1.7B | Full Year 2025 | — |
Figures exactly as the company stated them in writing · click a metric with a to chart its history · period links open the stating document · "filing" marks figures stated in the 10-K/10-Q · YoY needs an exactly comparable prior-year period
Versus peers
Banks - Regional — same industry group| Company | Mkt cap | YTD | Rev growth Y/Y | P/E | Short % shares |
|---|---|---|---|---|---|
|
BKU
this stock
BankUnited, Inc.
|
$3.29B | +3.7% | +7.4% | 12.7 | 3.8% |
|
MFG
Mizuho Financial Group Inc
|
$123.19B | +38.4% | — | — | 0.1% |
|
HDB
Hdfc Bank Ltd
|
$118.97B | -36.1% | +15.2% | — | 0.5% |
|
IBN
Icici Bank Ltd
|
$105.45B | -0.4% | — | — | 0.5% |
|
CIXPF
CaixaBank/ADR
|
$100.59B | +18.7% | — | — | 0.1% |
Peers by industry group · P/E from as-reported trailing EPS · short % is of shares outstanding
At a glance
key data from every sectionOwnership
Short & Settlement
Smart Money
Financials
Filings
Performance
| 5D | 20D | 120D | MTD | YTD | |
|---|---|---|---|---|---|
| BKU | -3.4% | -1.6% | -1.1% | -0.9% | +3.7% |
| SPY | -2.0% | +3.3% | +11.2% | +2.1% | +11.8% |
| vs SPY | -1.4% | -5.0% | -12.2% | -3.0% | -8.2% |
Capital returns
Latest dividend
$0.33
/ share · ex Jul 10, 2026
Paid (TTM)
$1.28
/ share · 4 payouts
Dividend yield (TTM, derived)
2.77%
Buyback program
· as of Jan 20, 2026
Authorized
$200.00M
Spent (derived)
—
Remaining
—
Dividends per share over the trailing 365 days by ex-date · buyback figures as last reported in SEC filings ("spent" derived as authorized − remaining; when several programs run concurrently, authorized is their combined total per the newest filing) · components shown separately — trailing-year buyback spend isn't tracked, so no combined shareholder yield is derived.
Key facts
CIK
1504008
CUSIP
06652K103
13F (30d)
303 filings
299 filers
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