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Upturn AI Summary - About
BankUnited Inc(BKU)
Advisory History & Simulated Performance *
*as per simulation (see disclosures)- ALL
- 1Y
- 1M
- 1W
- BUY Advisory
- SELL Advisory (Profit)
- SELL Advisory (Loss)
- Profit
- Loss
- PASS (Skip)
Stock price based on last close Advisory Performance History (Simulated)
Upturn Advisory & Investor View for BKU
11/03/2026: BKU (1-star) is currently NOT-A-BUY. Pass it for now.
BankUnited Inc is a regional bank holding company focused on providing commercial and retail banking services, with a strong emphasis on Florida and the New York metropolitan area. The company has a leading position in relationship-based commercial lending and possesses a robust treasury management platform that appeals to its business clients. Its main growth opportunity involves leveraging regional economic activity and optimizing digital services to enhance customer retention. However, investors should monitor risks associated with commercial real estate concentration and the sensitivity of net interest margins to interest rate fluctuations. The stock may suit dividend-oriented and value-focused investors looking for regional financial exposure.
How to Read the Upturn Advisory
The Upturn Star Rating and the current BUY, SELL, or PASS advisory are generated by Upturn’s AI advisory engine based on proprietary signal analysis, price behavior, advisory history, and historical signal performance.
Company fundamentals, valuation, risks, and news provide supporting context about the business.
Investor Fit
| Investor style | Fit | Why |
|---|---|---|
| Growth investor | Mixed fit | The company exhibits stable, moderate growth rather than aggressive expansion. |
| Momentum investor | Mixed fit | Momentum appeal is highly conditional on sustained sector-wide banking upturns. |
| Value investor | Strong fit | The stock often trades at valuations that may appeal to investors seeking exposure to regional banking at reasonable price-to-book levels. |
| Dividend investor | Strong fit | Consistent dividend payments make it a candidate for income-focused portfolios. |
| Low-risk investor | Weak fit | Regional banking stocks inherently carry sector-specific and interest-rate volatility risks. |
Risk Profile
| Risk factor | Level | Why it matters |
|---|---|---|
| Price volatility | Medium / high | Banking sector stocks are highly sensitive to economic cycles and interest rate fluctuations. |
| Valuation risk | Medium | Changes in market sentiment regarding regional banks can rapidly impact valuation multiples. |
| Competition risk (traditional banking) | High | Intense pressure from both large national banks and smaller community banks for market share. |
| Business quality | Medium | The franchise quality is stable but faces pressure from concentrated geographic and asset exposure. |
| Dividend income | Medium | Dividends are generally reliable but subject to capital requirements and board discretion. |
| Execution risk | Medium | Management must successfully navigate ongoing interest rate changes and credit quality maintenance. |
Price Behavior
Downtrend
The stock has experienced a sustained decline in price over recent periods.
Smooth
The stock has moved along a generally orderly path with only modest fluctuations.
Analysis of Past Performance
Type Stock | Historic Profit 17.02% | Avg. Invested days 43 | Today’s Advisory PASS |
Upturn Advisory Rating  | Upturn Advisory Performance  3.0 | Stock Returns Performance  2.0 |
| Profits based on simulation | Last Close 11/03/2026 |
Upturn Scorecard
Upturn Star Rating 
Company Fundamentals
Financial Health Rating
Growth Momentum Score
Ownership
Top 5 Institutional Investors
Unit Economics (Per $1K Revenue)
Economic Dimensions
Quantitative Style Profile
Style Classification
Quality Focused
Key Highlights
Company Size Mid-Cap Stock | Market Capitalization 3.14B USD | Price to earnings Ratio 11.62 | 1Y Target Price 46.82 |
Price to earnings Ratio 11.62 | 1Y Target Price 46.82 | ||
Volume (30-day avg) 960.4K shares | Beta 1.25 | 52 Weeks Range 36.95 - 51.00 | Updated Date 11/02/2026 |
52 Weeks Range 36.95 - 51.00 | Updated Date 11/02/2026 | ||
Dividends yield (FY) 3.02% | Basic EPS (TTM) 3.79 |
How Company Makes Money
| Business area | What it includes | Retail investor read |
|---|---|---|
| Net Interest Income | Interest earned on commercial and retail loans minus interest paid on deposits. | The bank primarily makes money on the spread between what it earns on loans and what it pays to depositors. |
| Non-Interest Income | Fees from treasury management, deposit accounts, and other service charges. | Service fees provide an additional, less interest-rate-sensitive revenue stream. |
Earnings Date
Report Date 2026-10-21 | When Before Market | Estimate 1.05 | Actual 1.03 |
Profitability
Profit Margin 26.04% | Operating Margin (TTM) 37.74% |
Management Effectiveness
Return on Assets (TTM) 0.79% | Return on Equity (TTM) 9.36% |
Valuation
Trailing PE 11.62 | Forward PE 10.05 | Enterprise Value 5.14B | Price to Sales(TTM) 2.98 |
Enterprise Value 5.14B | Price to Sales(TTM) 2.98 | ||
Enterprise Value to Revenue 4.99 | Enterprise Value to EBITDA - | Shares Outstanding 71.23M | Shares Floating 66.00M |
Shares Outstanding 71.23M | Shares Floating 66.00M | ||
Percent Insiders 0.96 | Percent Institutions 106.9 |
Financial Metrics
🧭 Investment Snapshot
Total Revenue (Scale)
Total money earned from selling products or services before any costs. It is needed to understand the scale of the business and its ability to generate income.
Net Income (Profit)
Final profit after all expenses, interest, and taxes are deducted. It is needed to determine the overall profitability available to shareholders.
Free Cash Flow (Cash Strength)
Cash remaining after operating activities and capital expenditures, showing cash available for growth. It is needed to evaluate the company’s ability to invest, pay dividends, or reduce debt.
📈 Growth & Strength
Operating Income (Core Profit)
Profit from core operations after deducting all operating expenses. It is needed to measure how efficiently the company runs its primary business activities.
EBITDA (Cash Earnings)
Earnings before interest, taxes, depreciation, and amortization, indicating operating cash potential. It is needed to compare operating performance across companies without accounting or financing differences.
Gross Profit (Unit Profitability)
Revenue minus cost of revenue, showing profit after direct production costs. It is needed to evaluate core business profitability before overhead expenses.
🛡️ Financial Safety
Cash (Liquidity Buffer)
Total cash and cash equivalents on hand. It is needed to evaluate immediate liquidity and financial flexibility.
Total Debt (Leverage Risk)
Total debt including both short-term and long-term components. It is needed to assess the company’s leverage and financial risk.
Net Working Capital (Short-Term Health)
Current assets minus current liabilities, indicating short-term liquidity strength. It is needed to assess whether the company can meet its short-term obligations.
🧱 Balance Sheet Strength
Stockholder Equity (Net Worth)
Total equity value held by shareholders. It is needed to understand the net worth of the company from the owners’ perspective.
Total Assets (Asset Base)
The full value of everything the company owns, including cash, inventory, equipment, and investments. It is needed to understand the resource base used to generate revenue.
Income Before Tax (Pre-Tax Earnings)
Income before provision for income taxes. It is needed to analyze profitability independent of tax structures.
⚙️ Cost & Drag Factors
Cost of Revenue (Production Cost)
Direct costs required to produce and deliver the products or services sold. It is needed to assess efficiency in production and service delivery.
Total Operating Expenses (Operating Cost)
Indirect costs of running the business such as salaries, marketing, and administration. It is needed to understand how much it costs to sustain ongoing business operations.
Income Tax Expense (Tax Drag)
Amount of taxes paid or payable to the government. It is needed to evaluate the impact of taxation on overall profitability.
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