BankUnited, Inc. (BKU)
NYSEFinancialsBanks - RegionalSnapshot 2026-09-04
$46.38+1.05%
Close 2026-09-04 · 1-day change
NYSEFinancialsBanks - RegionalSnapshot 2026-09-04
QuarterlyIQ Insights · BKU
What must go right, what could break, what the price assumes, and what evidence comes next.
The current health of the standing investment case.
Recent financial performance recently climbed back into the top half of its industry — confirming the recovery.
One-year growth currently built into the price, compared with our model's estimate.
| Measure | Marker shape | Value |
|---|---|---|
| Growth built into the price | circle | -6.6% |
| Our one-year growth estimate | diamond | -23.9% |
For each item: what to watch, what would become a concern, and what would make it less concerning.
A reporting-risk estimate, not a forecast of the stock-price response.
Historical relationships that met the evidence threshold. They do not prove cause or forecast a move.
Usually moved in the same direction.
Price observations: 365 days
Most sensitive to the broad stock market.
Based on historical daily prices through 2026-09-04.
Past price behavior in dollars on a $10,000 position. This does not measure permanent business risk.
How much price usually moves either way.
A larger daily loss that occurred about once in every 20 trading days.
Use the underlying financial and sector pages to investigate the cause.
Not investment advice. Scores describe historical and current data; they are not forecasts of future returns. Consult a licensed advisor before making investment decisions.
Growth built into the price is above our model estimate.
The price assumes 17.3 percentage points more one-year growth.
The one-year revenue growth assumption on Valuation.
Model as of 2026-09-04 · Compared with 219 industry peers
BKU — earnings miss
Dated 2026-07-22
Results of Operations and Financial Condition. On July 22, 2026 , BankUnited, Inc. (the “Company”) reported its results for the quarter ended June 30, 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.
Why it matters: Higher operating income shows progress in making more money. This is despite recent challenges.
Supportive ifOperating income is over $90 million in Q2 2026.
Worry ifOperating income is below $90 million in Q2 2026.
Why it matters: The next earnings report will show if BankUnited is still growing its loans and deposits.
Watch forThe Q3 earnings report shows net income grew more than 5% from last quarter.
Also watch forQ3 earnings report shows net income decline or flat results compared to Q2.
Why it matters: Strong net income growth helps BankUnited make more money.
Supportive ifNet income for Q2 exceeds $65 million, indicating strong growth.
Worry ifNet income for Q2 is below $62 million, indicating weak performance.
Why it matters: If net income is below this level, it shows ongoing problems after the recent earnings miss.
Worry ifQ3 net income reported below $70 million.
Less concerning ifQ3 net income reported above $70 million.
Deepest peak-to-trough drop in the last year.
| Measure | Value | Meaning |
|---|---|---|
| Typical day | ±$101 on $10,000 · ±1.0% | How much price usually moves either way. |
| Bad day | $242 loss on $10,000 · 2.4% | A larger daily loss that occurred about once in every 20 trading days. |
| Largest peak-to-trough drop in the past year | $1,640 loss on $10,000 · 16.4% | Deepest peak-to-trough drop in the last year. |
Past year. 1.00 means similar movement; 1.20 means about 20% more.
Past year. 1.00 means similar movement to the sector. This is secondary context.
Latest 30 trading days, shown as an annual percentage.
Latest 252 trading days, shown as an annual percentage.
20-trading-day average in US dollars.
Trading days used by the source risk snapshot.
Past results, not a forecast. Not investment advice.
Why it matters: Better credit quality shows good risk management. This helps the bank's financial health.
Supportive ifNon-performing loans decrease further from $217 million in Q2.
Worry ifNon-performing loans increase from $217 million in Q2.
Why it matters: Higher net charge-offs can show weaker credit quality. This can hurt overall performance.
Worry ifNet charge-offs exceed 0.15% of average loans in Q3.
Less concerning ifNet charge-offs remain below 0.10% of average loans in Q3.
Why it matters: More share buybacks show strong capital use. It also shows a promise to give value back to shareholders.
Supportive ifShare repurchases exceed $50 million in Q3.
Worry ifShare repurchases are less than $30 million in Q3.
Why it matters: A drop in EPS may show weaker profits and hurt investor trust.
Worry ifQ3 diluted EPS falls below $0.90.
Less concerning ifQ3 diluted EPS remains at or above $0.90.
Why it matters: A stable or growing NIM shows good management of interest income and costs.
Supportive ifNIM for Q2 2026 is reported above 3.00%.
Worry ifNIM for Q2 2026 falls below 2.90%.
Why it matters: Continued growth in NIDDA supports funding mix and reduces costs. It shows strong customer relationships.
Supportive ifNIDDA grows by over 10% from Q2 to Q3.
Worry ifNIDDA growth is less than 5% quarter-over-quarter in Q3.
Why it matters: A decline in NIDDA could indicate issues in deposit stability and affect funding costs. This is crucial for maintaining a healthy balance sheet.
Worry ifNIDDA falls below 30% of total deposits in Q2 2026.
Less concerning ifNIDDA stays at or above 30% of total deposits. This means funding is stable.
Why it matters: Slower growth in non-interest demand deposits may lead to less stable funding.
Worry ifEnding NIDDA balances grow less than 9% year-over-year in Q3 2026.
Less concerning ifNIDDA balances keep growing at or above 9% each year.
Why it matters: More loans could mean higher credit risk and affect how much money is made.
Worry ifCriticized and classified loans increase by more than 5% in Q2 2026.
Less concerning ifCriticized and classified loans decrease or remain stable in Q2 2026.
Why it matters: A better ratio means better credit quality. It also shows better risk management.
Supportive ifThe credit loss allowance to non-performing loans ratio rises above 98% in Q3.
Worry ifRatio declines below 95% in Q3.
Why it matters: Strong growth in core commercial loans would support management's strategy to shift the loan portfolio mix.
Supportive ifCore commercial loans increase by more than $200 million in Q3.
Worry ifCore commercial loans grow less than $200 million in Q3.
Why it matters: More non-interest bearing demand deposits (NIDDA) cut funding costs. This helps make more money.
Supportive ifNIDDA increases by more than 10% compared to Q2 2026.
Worry ifNIDDA growth is less than 5% compared to Q2 2026.