BankUnited Inc (BKU) fair value: what the stock is really worth
As of Nov 6, 2026: fair value (intrinsic value) of BankUnited Inc stock $37.70, price $44.02, that is 14.4% below the price, quality 54 out of 100. Rating: overvalued. Calculated from audited financials with 6 of our 26 valuation models and 37 quality factors, updated daily.
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BankUnited Inc
BKU · USOur calculation puts a fair price 14% below what the stock costs today.
What runs behind every stock
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Price vs Fair Value
White line = price, green steps = our fair value per fiscal year. As of Nov 8, 2026.
How to read this chart
60‑month range $14.48 – $49.84 · fair‑value band $35.29 – $42.49 · the $44.02 price screens above the $37.70 fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). As of Nov 8, 2026.
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Company profile
BankUnited, Inc. operates as the bank holding company for BankUnited, a national banking association that provides a range of banking services in the United States.
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The company offers deposit products, such as checking, money market deposit, and savings accounts; certificates of deposit; and treasury, payments and cash management services.
Its loans portfolio includes commercial loans, including equipment loans, secured and unsecured lines of credit, formula-based lines of credit, owner-occupied commercial real estate term loans and lines of credit, mortgage warehouse lines, subscription finance facilities, letters of credit, commercial credit cards, small business administration and U.S. department of agriculture product offerings, export-import bank financing products, trade finance, and business acquisition finance credit facilities; commercial real estate loans; residential mortgages; and other consumer loans.
The company offers loan servicing and deposit transaction processing systems, cloud-based data storage, electronic funds transfer transaction processing, online banking services, ERP systems and computer and networking infrastructure.
It operates through a network of banking centers located in Florida counties and the New York metropolitan area, as well as Dallas, Texas. The company was formerly known as BU Financial Corporation. BankUnited, Inc. was incorporated in 2009 and is headquartered in Miami Lakes, Florida.
Stock analysis
BankUnited Inc (BKU) currently trades at $44.02, while our model-based Fair Value estimate is $37.70, 14% below the price, so the stock looks overvalued today.
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Valuation
Bull case: the Multiples group reads highest at a median of $47.69 per share, and 2 of the 6 models we run sit above the $44.02 price.
Bear case: the Dividend Discount group reads lowest at $19.04, and 4 of the 6 models stay below the price. Data coverage for this calculation is high.
Scenario range: $35.29 (bear) to $42.49 (bull), the price of $44.02 sits above it. Bear and bull are the same models on cautious and optimistic assumptions, a range, not a price target.
Quality & growth
The Quality Score stands at 54/100 (solid quality), in the Financial Services sector.
Healthy Growth: Revenue growth appears healthy and is supported by profitability and cash-flow quality.
BankUnited Inc reported revenue of $2.1B in FY2025 versus $1.1B in FY2021, a compound +18.3%/yr. Reported net income was $268M in FY2025, compounding −10.3%/yr from FY2021.
Key figures
Market cap $3.4B Mid · P/E ratio 12.0 · P/S ratio 3.22 · EPS (TTM) $3.68 · Dividend yield 3.0% · Net margin 26.0% · Return on equity 9.4% · Return on assets (EBIT) 1.0% (5-year average).
Competitive moat
Our AI-assisted moat analysis scores the competitive advantage at 65 out of 100 (low confidence).
What moves the price
The share trades about 12% below its 52-week high and 18% above its 52-week low, currently below its 200-day average.
For context, the median of 10 Financial Services peers we cover trades at −28% fair-value upside, at −14%, BKU screens cheaper than that median.
Fair Value models
All 6 models by family
Quality Score breakdown
It rates the business: profits, how they develop, real cash, balance sheet, investing and share count.
Insider trades
In the last 6 months, 3 officers or directors sold shares worth $384,350 and none bought.
- SaleDouglas J PaulsDirector3,000 shares at $47.90$143,700Aug 13, 2026
- SaleJay D. RichardsOfficer of Subsidiary2× since Feb 3, 2026: 7,506 shares, avg. $49.21$369,384Jun 15, 2026
- SaleJohn N. DiGiacomoDirector1,000 shares at $45.97$45,970Jun 1, 2026
- SaleKevin A. MalcolmOfficer of Subsidiary3,447 shares at $47.11$162,388Mar 4, 2026
- SaleSanjiv SobtiDirector5,000 shares at $50.88$254,400Feb 9, 2026
Plus 9 other filings such as grants, option exercises or tax withholding. They are not market purchases or sales.
Sales are often planned (taxes, diversification, 10b5-1 plans). Purchases with their own money are seen as the stronger sign. For information only: not part of the quality score or Fair Value.
Source: SEC Form 4, as of Nov 6, 2026. All filings at the SEC ↗
Revenue & earnings trend
BKU screens overvalued: fair value 14% below the price. Compare with China Merchants Bank Co →
Earlier news
- BankUnited Heads These 3 Top Dividend Stocks To Watch
- BKU Q3 deep dive: margin discipline offsets flat revenues, management eyes selective loan growth
- BankUnited (BKU) Q3 Results Spotlight Cleaner Credit As Stock Slips
- BankUnited (BKU) Reports Q3 Earnings: What Key Metrics Have to Say
Compare BankUnited Inc with another stock
Price, fair value, quality and upside side by side.
Peer GroupⓘHow this stock ranks against its industry: the green marker is this stock, the band is the typical 25–75% peer range, and the tick is the median.Banks - Regional · 998 stocks
Valuation Multiplesvs Banks - Regional median · lower = cheaper
Strength profile in five axes (Snowflake)
HEALTH: for banks, insurers and similar financial firms borrowed money is part of the business, so we do not rate debt here.
Context: sector, industry, market
- Is the Financials sector expensive or cheap?
- P/E, EV/EBITDA and margins by industry (reference tables)
- Price/FCF by industry
- Debt-to-equity by industry
- PEG screener for stocks with fair value
- Undervalued stocks: US Stocks
- Valuation of the USA market
Values & ESG
Does this company touch areas you may want to avoid? The classification is inferred from sector and industry.
Similar stocks
10 more Banks - Regional stocks, each showing price versus our Fair Value estimate.
| Stock | Price | Fair Value | vs Fair Value | Compare |
|---|---|---|---|---|
| Postal Savings Bank of China Co 601658 | ¥5.53 | ¥7.59 | +37% | vs BKU |
| China Merchants Bank Co 600036 | ¥42.88 | ¥52.73 | +23% | vs BKU |
| BNP Paribas SA BNP | €91.93 | €106.01 | +15% | vs BKU |
| Intesa Sanpaolo S.p.A ISP | €6.18 | €4.49 | −27% | vs BKU |
| State Bank of India SBIN | ₹1,019 | ₹736.65 | −28% | vs BKU |
| UniCredit S.p.A UCG | €76.80 | €50.44 | −34% | vs BKU |
| Mizuho Financial Group MFG | $9.40 | $5.90 | −37% | vs BKU |
| DBS Group D05 | 69.72 SGD | 40.39 SGD | −42% | vs BKU |
| HDFC Bank Limited HDFCBANK | ₹788.25 | ₹406.39 | −48% | vs BKU |
| ICICI Bank Limited ICICIBANK | ₹1,571 | ₹615.63 | −61% | vs BKU |
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Frequently asked questions
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Key figures of BankUnited Inc
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