Reading BKU? Track it free: the weekly brief, plus an alert if the thesis breaks. No credit card.
Track BKU free→Reading BKU? Track it free: the weekly brief, plus an alert if the thesis breaks. No credit card.
Track BKU free→NYSEFinancialsBanks - RegionalSnapshot 2026-06-16
Recent financial performance sits below its industry cohort — worth keeping an eye on, though it has not freshly broken.
Recent financial performance is neutral, and earnings quality is also neutral, indicating some inconsistency in cash backing reported profits. Management's recent track record is neutral, and risk is moderate, while the sector backdrop presents a headwind. Peer multiples imply a price roughly in line with where it trades (about fair); the read is fair. The outlook hinges on guidance changes and sector trends, particularly the performance of major financial peers. This read is provisional.
Daily closes. Earnings/event dots are placed inline.
A consensus fair price across 6 valuation methods, at three horizons. Current price $48.15. Estimates are diagnostics, not price targets. Short-horizon estimates are close to coin-flips, so confidence is a method-agreement read, not a prediction.
No-growth: today's peer multiple on trailing earnings. The headline read.
Embeds projected growth. Leans optimistic by design. Upside context.
We take the 12-month fair value above and grade our own number — how the market prices this name versus what we'd justify, and where the two diverge.
At $48 BKU trades at 13× p/e, in line with its 12× p/e peer median. Our $48 fair value reflects that, high confidence. Not investment advice.
One valuation read at a 12-month horizon, plus how price compares to peers and the company's own history.
The market is pricing in roughly 0% near-term growth, in line with our forecast of about 4%. This describes what's priced in, not a forecast of the move.
Only a turbulent sector regime (Heating) — not the full expensive x weak x turbulent stack.
For similar setups historically (n=20,154): about 33% saw a 20%+ drawdown, and roughly 76% of those did not recover within the year. These are historical base rates for the cohort, not a forecast of this stock.
Each factor is a parallel diagnostic with a clear read of what it shows and how names like it have historically fared. Never aggregated into a single score.
Operating income rose in 1 of the last 3 quarter-over-quarter moves. Historically, Financials names rated neutral grew net income 52% of the time over the next year (vs 61% for the rest of the cohort, n=4936).
Over the trailing year it converted 1.33x of net income into operating cash flow. Historically, Financials names rated neutral grew net income 58% of the time over the next year (vs 55% for the rest of the cohort, n=4725).
Most sensitive to the broad stock market.
Not enough signal to read sensitivity to the US dollar, Fed net liquidity, long-term interest rates, real (inflation-adjusted) rates.
The next print and the backdrop around it (sector regime and the AI cycle). Context for the path, not a forecast of returns.
EPS estimate $1.02 → $1.02 (-0.1% / 30d). 5 raised, 3 cut, 9 covering analysts.
0 upgrades, 0 downgrades / 30d. 45% of analysts rate Buy.
0 positive, 0 negative / 30d.
How management runs the business: capital, margins, balance sheet, and how reliably they guide and deliver.
Met or beat guidance 100% of the last 1 guided quarters · 0.0% avg surprise
What a normal day, a bad day, and the worst of the last year would mean for a $10,000 position.
On a typical day, $10k can swing ±$113.
How much price usually moves either way.
On a bad day, this stock has moved -$238.
A rough but not unusual down day (about the 95th percentile).
In the worst 12 months, $10k could have lost $1,640.
Deepest peak-to-trough drop in the last year.
Past results, not a forecast. Not investment advice.
The most important moves since the prior daily snapshot.
Valuation label changed from 'full' to 'fair'.
The valuation changed. It fell from "full" to "fair." This indicates a shift in how the stock is valued compared to its peers. The overall risk remains moderate.
as of 2026-06-16
Specific, dated things to watch for, each with what would confirm it and what would prove it wrong.
Why it matters: A drop in net interest margin means less profit. This could hurt earnings.
Confirms:Net interest margin falls below 2.90% for Q2 2026.
Disproves:Net interest margin remains at or above 3.00% for Q2 2026.
Recent news graded against this company's own objectives — whether it reinforces or challenges the thesis, and how confirmed it is.
No graded news catalysts for BKU yet.
Conditional scenarios: if X happens, the view would shift in this direction. These are not predictions.
Recent SEC 8-K filings ranked by likely impact, confidence, and recency.
Departure of Directors or Certain Officers; Election of Directors; Appointment of Certain Officers; Compensatory Arrangement of Certain Officers. On May 11, 2026, the Compensation Committee of the Board of Directors of BankUnited, Inc. (the “Company”) approved, and the Company entered into, an amended and restated letter agreement with James Mackey, the Company’s Chief Financial Officer, to modify his prior change in control retention bonus benefit to a “double-trigger” severance benefit. The…
Whether the overall read has been drifting up or down lately, and how it's changed since last week.
Not investment advice. Scores describe historical and current data; they are not forecasts of future returns. Consult a licensed advisor before making investment decisions.
Long-thesis check; widest uncertainty.
Roughly priced in line with peers.
Around its own typical valuation.
Trailing four: 2025-Q1, 2025-Q2, 2025-Q3, 2026-Q1
A side-by-side read on sector standing, valuation, and risk versus Regional Banks.
| Stock | Sector standing | Valuation | Risk |
|---|---|---|---|
BKU BankUnited, Inc. | Typical Show detailsSector percentile: 34 of 100 | fair | moderate |
HDB HDFC BANK LTD | — | — | moderate |
IBN ICICI BANK LTD | — | — | moderate |
ITUB ITAU UNIBANCO HOLDING SA | — | — | moderate |
FITB Fifth Third Bancorp | Below typical Show detailsSector percentile: 2 of 100 | expensive | moderate |
2 material management or governance events in the past 24 months, led by executive changes. Historically, Financials names rated neutral grew net income 57% of the time over the next year (vs 55% for the rest of the cohort, n=5004).
Not investment advice. As of 2026-06-16.
via XLF
Tailwind = sector leading the S&P 500; headwind = trailing. Both can be constructive. Historically, headwind regimes have averaged stronger forward returns than tailwind.
Context label only: describes the market state (e.g. real bear vs narrative panic, healthy uptrend vs late-stage froth). It is not a per-ticker buy/sell signal and does not predict factor performance.
Not investment advice. As of 2026-06-16.
Priorities management has stated in recent disclosures, with status and evidence drawn from earnings calls, filings, and press releases.
Focus on increasing revenue growth through market share expansion and improved profitability.
Stated in 3 of last 3 quarters. Revenue grew from $5.23M in 2025-Q1 to $6.22M in 2026-Q1, indicating progress in revenue growth. The trajectory shows delivering on the stated priority of increasing revenue growth.
“CEO: 'We continue to gather market share and position the Company for improved profitability and growth.'”
“CEO: 'We continued to deliver on improved profitability this quarter, with gains in EPS, ROA and ROE.'”
“CEO: 'Our focus remains on increasing revenue growth and profitability.'”
Continue efforts to enhance operating income through cost management and efficiency improvements.
Stated in 3 of last 3 quarters. Operating income decreased from $97.9M in 2025-Q3 to $81.7M in 2026-Q1, indicating limited progress in enhancing operating income. The trajectory shows challenges in delivering on this priority.
“CEO: 'We achieved our near-term target of a 3% margin as well.'”
“CEO: 'Our focus on enhancing operating income continues to yield results.'”
Focus on increasing net income through strategic initiatives and operational efficiencies.
Stated in 3 of last 3 quarters. Net income increased from $58.5M in 2025-Q1 to $61.9M in 2026-Q1, showing progress in increasing net income. The trajectory indicates delivering on the priority of net income growth.
“CEO: 'Net income of $61.9 million, reflecting typical first-quarter seasonality.'”
Why it matters: Higher net charge-offs show worse asset quality. This could hurt earnings.
Confirms:Net charge-offs exceed 0.35% for Q2 2026.
Disproves:Net charge-offs remain at or below 0.30% for Q2 2026.
Why it matters: More criticized and classified loans could mean higher credit risk. This might worry investors.
Confirms:Criticized and classified loans rose from Q1 to Q2 in 2026.
Disproves:Criticized and classified loans decrease or remain stable in Q2 2026.
Why it matters: Slower growth in non-interest deposits may show weak deposit trends.
Confirms:NIDDA growth reported below 10% YoY in Q2 2026.
Disproves:NIDDA growth remains above 10% YoY in Q2 2026.
Departure of Directors or Certain Officers; Election of Directors; Appointment of Certain Officers; Compensatory Arrangements of Certain Officers. On May 21, 2026, at the annual meeting of the shareholders (the “Annual Meeting”) of BankUnited, Inc. (the “Company”), the shareholders of the Company approved the BankUnited, Inc. Amended and Restated 2023 Omnibus Equity Incentive Plan (the “Amended Plan”). The Amended Plan replaces in its entirety the BankUnited, Inc. 2023 Omnibus Equity Incentiv…
Results of Operations and Financial Condition. On April 22, 2026, BankUnited, Inc. (the “Company”) reported its results for the quarter ended March 31, 2026. A copy of the Company’s press release containing this information and slides containing supplemental information related to this release are being furnished as Exhibit 99.1 and Exhibit 99.2, respectively, to this Current Report on Form 8-K and are incorporated herein by reference.
Results of Operations and Financial Condition. On October 22, 2025, BankUnited, Inc. (the “Company”) reported its results for the quarter ended September 30, 2025. A copy of the Company’s press release containing this information and slides containing supplemental information related to this release are being furnished as Exhibit 99.1 and Exhibit 99.2, respectively, to this Current Report on Form 8-K and are incorporated herein by reference.
“CEO: 'Enhancing operating income remains a key priority.'”
“CEO: 'We reported net income of $71.9 million, or $0.95 per diluted share.'”
“CEO: 'Our net income continues to grow, reflecting our strategic focus.'”