BankUnited Inc. Common Stock (BKU)

FairStock Score: 42/100 — MIXED

Key Financials

AI Analysis

AI-generated, general educational analysis — not personal investment advice.

As a Buffett/Graham investor, I look first for a durable business at a sensible price. BankUnited is a $3.0 billion market-cap regional bank. The economics are respectable but not exceptional: FairStock puts ROE at 9.19%, P/B at 1.00, and P/E at 11.46 using the 2026-10-13 close. The dividend yield is 3.16%, and the beta of 1.20 suggests it moves more than the market. The filed results show fiscal Q2 2026 net income of $70.7 million and diluted EPS of $0.97; fiscal Q1 2026 net income was $61.9 million, or $0.83. Full-year FY2025 net income was $268.4 million and diluted EPS $3.53, up from $232.5 million and $3.08 in FY2024 and $178.7 million and $2.38 in FY2023. That is steady, if uneven, progress. However, FairStock's Lynch category is Slow Grower, with profit up 6.3% a year over five years and revenue up 5.7%. The PEG of 1.97 says the multiple is not cheap relative to that growth. The Piotroski F-Score of 7/9 is a positive sign on accounting quality. The main weakness is that banks live on trust and leverage; without CET1, net interest margin, efficiency ratio, nonperforming loans, or reserve coverage in this data, I cannot verify underwriting or capital strength. The filed revenue lines are oddly small and inconsistent with net income, so I would not rely on them. At about book value and 11 times earnings, the price is fair, not a fat pitch. I would need better bank-specific disclosure before calling it a compelling long-term holding.

In plain English: BankUnited is a regional bank holding company that takes deposits and makes loans to businesses and individuals. Its profits have grown slowly, and it earns a modest return on shareholders' money, though the stock trades close to its accounting net worth and pays a solid dividend. The price looks roughly fair rather than obviously cheap or expensive, with limited signs of either a bargain or a major red flag in the numbers provided.

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Data as of 2026-10-13 close · note generated 2026-10-15 · model deepseek-flash

Sources (SEC EDGAR): fiscal Q2 2026 10-Q (period ended 2026-06-30) · fiscal Q1 2026 10-Q (period ended 2026-03-31) · fiscal Q4 2025 10-K (period ended 2025-12-31) · fiscal Q3 2025 10-Q (period ended 2025-09-30) · FY2025 10-K (period ended 2025-12-31) · FY2024 10-K (period ended 2024-12-31) · FY2023 10-K (period ended 2023-12-31)

Fundamentals from company filings and market-data providers; prices are end-of-day, not real-time. AI-generated analysis is general and educational — not personal investment advice. Scoring methodology · Score test · Disclaimer