BankUnited, Inc. (BKU)
NYSEFinancialsBanks - RegionalSnapshot 2026-11-05
$44.54-0.93%
Close 2026-11-05 · 1-day change
NYSEFinancialsBanks - RegionalSnapshot 2026-11-05
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 is holding in the top half of its industry — the reason to own it looks intact.
One-year growth currently built into the price, compared with our model's estimate.
| Measure | Marker shape | Value |
|---|---|---|
| Growth built into the price | circle | -5.1% |
| Our one-year growth estimate | diamond | -28.1% |
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 2026-11-05.
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 23.0 percentage points more one-year growth.
The one-year revenue growth assumption on Valuation.
Model as of 2026-11-05 · Compared with 230 industry peers · Company calendar date is not available
BKU — earnings miss
Dated 2026-10-21
Results of Operations and Financial Condition. On October 21, 2026 , BankUnited, Inc. (the “Company”) reported its results for the quarter ended September 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: Margin rose to 3.16% in Q3 as deposit costs fell and loan yields improved. A drop below 3.06% would reverse recent gains.
Worry ifQ4 net interest margin is below 3.06%, the Q2 level, and deposit costs stop falling.
Less concerning ifQ4 net interest margin stays at or above 3.16%, with the average cost of deposits below 1.99%.
Why it matters: Non-performing loans rose 18% from Q2, even as they stayed below last year's level. Another rise could weaken the recent credit gains.
Worry ifNext-quarter NPLs exceed $264 million, about 18% above Q3's level, or the NPA ratio rises above 0.77%.
Less concerning ifNext-quarter NPLs fall below the Q3 level, while the NPA ratio stays at or below 0.77%.
Why it matters: Core loans grew 4% from a year ago, while total loans fell from Q2 as non-core loans ran off. Core growth tests the bank's shift toward commercial lending.
Worry ifAverage core loans are below $16.86 billion, the Q3 average, and below the same quarter a year earlier.
Less concerning ifAverage core loans grow year over year and exceed the Q3 average of $16.86 billion.
Deepest peak-to-trough drop in the last year.
| Measure | Value | Meaning |
|---|---|---|
| Typical day | ±$95 on $10,000 · ±1.0% | How much price usually moves either way. |
| Bad day | $219 loss on $10,000 · 2.2% | A larger daily loss that occurred about once in every 20 trading days. |
| Largest peak-to-trough drop in the past year | $1,887 loss on $10,000 · 18.9% | 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.