BKU · BankUnited, Inc.
$48.34
+0.51 (+1.07%)
At close · Aug 14
Market Cap
$3.44B
Shares
71.23M
Price & Indicators
20d MA
50d MA
200d MA
Earnings
Filing
Insider
Congress
Investor day
Close$48.34
Open$48.32
Day$47.44–48.34
52W close$35.36–50.93
Avg vol 30d901K
Short int2.7M · 3.8% float · 2.1d
Short vol78%
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 14.3 · calm
Equity put/call 0.52
Technical
price trend
50 / 200-day cross
No cross
Price vs 200-day avg
+5%
above
Price vs 50-day avg
+1%
above
RSI (14)
57
neutral
MACD trend
Positive
52-week position
83%
mid-range
Momentum
relative strength
1-month return
−1%
trailing
6-month return
0%
trailing
YTD return
+8%
this year
Relative strength
−13%
vs S&P · 6-mo
Sentiment
smart money
Trend (MA cross)
No cross
50d $48 › 200d $46 — 50d above 200d
Institutional flow
Accumulating
+2% holders QoQ · +51 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
333 holders — near 3-yr high, broad support
Squeeze score
40
low risk · 0–100
Fundamentals
Revenue growth
+7%
Y/Y
EPS growth
+15%
Y/Y
Free cash flow
$335.3M
Valuation
P/E 13.2
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 Jan 21, 2026
Resi/Other Loans
· 2026 Plan
2%
Non-Interest Income
· 2026 Plan
6%
Expenses
· 2026 Plan
4%
Tax Rate
· 2026 Plan
26%
Capital (CET1)
· 2026 Plan
11.6%
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
+5%
Bullish
Price vs 50-day avg
+1%
Bullish
RSI (14)
57
Neutral
MACD trend
Positive
Bullish
52-week position
83%
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
+2% holders QoQ · +51 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
333 holders — near 3-yr high, broad support
Price context
position in its 52-week range
Range low $35
Now $48 · 83%
Range high $51
vs 200-day avg +5%
vs 50-day avg +1%
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% | 2Q26 | — |
| Average Cost of Deposits | 2.05% | 2Q26 | — |
|
|
|||
| Net Charge-offs to Average Loans | 0.11% | 2Q26 | — |
| Net Interest Margin | 3.06% | 2Q26 | — |
| NIDDA percentage of total deposits | 34.4% | 2Q26 | — |
| NPA Ratio | 0.66% | 2Q26 | — |
| PPNR non-GAAP | $109.9M | 2Q26 | — |
|
|
|||
| Net Charge-offs for the trailing twelve months | 0.37% | Q1 2026 | — |
| ROE | 8.1% | March 31, 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 | — |
| Adjusted Annualized ROA (excluding one-time item) non-GAAP | 0.81% | Q4 2025 | — |
| Adjusted EPS (excluding one-time item) non-GAAP | $0.94 | Q4 2025 | — |
| Annualized ROA | 0.78% | Q4 2025 | — |
| AOCI change | $15.6M | Q4 2025 | — |
| CET1 | 12.3% | December 31, 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 | — |
| ROA | 0.77% | Full Year 2025 | — |
| Share Repurchases amount | $44.8M | Q4 2025 | — |
| Shares repurchased | 1.1M | Q4 2025 | — |
| Tangible Book Value per Share | $40.14 | December 31, 2025 | — |
| Tangible Common Equity Ratio | 8.5% | December 31, 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.
|
$3.44B | +8.5% | +7.4% | 13.2 | 3.8% |
|
MFG
Mizuho Financial Group Inc
|
$132.42B | +48.5% | — | — | 0.1% |
|
HDB
Hdfc Bank Ltd
|
$120.05B | -36.0% | +15.2% | — | 0.5% |
|
IBN
Icici Bank Ltd
|
$108.39B | -0.2% | — | — | 0.5% |
|
PNC
Pnc Financial Services Group, Inc.
|
$102.52B | +23.1% | +7.2% | 14.1 | 1.8% |
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 | +4.1% | -1.1% | +0.3% | +3.6% | +8.5% |
| SPY | +0.4% | +4.5% | +13.8% | +3.9% | +13.9% |
| vs SPY | +3.7% | -5.5% | -13.5% | -0.3% | -5.4% |
Capital returns
Latest dividend
$0.33
/ share · ex Jul 10, 2026
Paid (TTM)
$1.28
/ share · 4 payouts
Dividend yield (TTM, derived)
2.65%
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)
310 filings
307 filers
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