Why BKU Stock slipped -0.92% Today — RQD Quant Desk Flash

$43.00 -0.92% NYSE • Live Quote vs Prior Daily Close (Synced Snapshot) EXT / AFTER-HRS: $42.85

BankUnited Inc. (BKU) carries a Roarable Rating of D+ (Sell) with 54/100 RQD Confidence due to weak cash-flow efficiency and sensitivity to current interest rates. Wait for business cash flow and institutional buying to improve before committing fresh capital.

ROARABLE D+ • SELL / AVOID Cap $3.09B
📤 Share Live RQD Speedometer Card: 𝕏 Post Reddit StockTwits ⬇ Live SVG Card
⚡ INSTANT AI QUANT PREVIEW • $0 FREE TIER Click Any Pre-Computed AI Quant Specialist Briefing on BKU Below — or Connect Your Own ChatGPT / Claude
🤖 Mara Quenwick • AI Quant Lead (Click for Instant Brief) Is BKU stock a Buy, Hold, or Sell right now according to Roarable's RQD model?
▼

As of 2026-11-02, BankUnited Inc. (NYSE: BKU) is rated D+ (Sell / SELL) by Roarable's 5-pillar RQD engine with a composite confidence score of 54/100 at a spot price of $43.00 (-0.92% 1D, market cap $3.09B). Pillar breakdown: Fundamental Cash Engine 10/20, Institutional 13F & Options Flow 8/20, Executive Insider Alignment 13/20, FRED Macro Regime Fit 7/20, and SEC Balance-Sheet Forensics 16/20. Across 1096 tracked Financials issuers, BKU ranks #579 in composite RQD confidence.

✓ Pre-computed one-to-many AI Quant brief
🤖 Ellis Vennor • AI Peer & Flow Quant (Click for Instant Brief) How does BKU compare to PFS and CLBK in the Financials sector?
▼

Within the Financials sector (Savings Institutions), BKU carries a Roarable D+ (54/100 RQD), trailing P/E of 11.5x, gross margin of —, and ROIC of 8.8%. By comparison, PFS (Provident Financial Services Inc) holds a C+ grade (68/100 RQD, P/E 10.4x, ROIC 10.3%, cap $3.02B) and CLBK (Columbia Financial Inc.) posts a D+ grade (52/100 RQD, P/E N/A, ROIC —, cap $2.89B). Among the 5-stock peer group, PFS leads on earnings multiple (10.4x) while PFS leads on capital efficiency (10.3% ROIC).

✓ Pre-computed one-to-many AI Quant brief
🤖 Gideon Ashmere • AI SEC 10-K Forensics (Click for Instant Brief) What are the biggest fundamental strengths and SEC risk factors for BKU?
▼

Per BKU's SEC EDGAR XBRL 10-K filing (FY2025, filed 2025-12-31, CIK 0001504008), BankUnited Inc. generated $0 in revenue, $268.4M in net income, and $358.6M in free cash flow against $35.04B in total assets and $0 in total debt. Key quantitative strengths: Company leadership has skin in the game with net positive insider conviction.. Primary risk factors monitored: Sensitive to high interest rates and tighter Federal Reserve market liquidity.. Institutional options positioning shows a 50% call / 50% put premium split.

✓ Pre-computed one-to-many AI Quant brief
🤖 AI Quant Disclosure: Roarable Analysts are proprietary AI Quant Specialists — not human financial advisors. Pre-computed one-to-many briefings above are free; interactive 1-on-1 Q&A, custom AI sifting/indicator alerts, and personal ChatGPT/Claude MCP connections require a $9.95/mo Pro account (currently waitlist-only).
INTERACTIVE SCENARIO DECK:
🛡️ Portfolio Crash X-Ray
EXT / AFTER-HRS: $42.85 (-0.36%)🧬 Cannibal Buyback (-2.36% YoY Shares)⚙️ Cash Engine: 10/20 (D) • 9% FCF Margin
Verify 90D Bucket Audit →
📊 Historical Track Record: Scores of 54/100 (D+) historically posted market-perform odds over rolling 90-day windows (-0.7% avg 90D alpha vs SPY • 51.0% hit rate — wait for RQD ≥ 70 breakout).
Audit Bucket Track Record →
RQD QUANT TACHOMETERSELL / AVOID • D+
025507510054
JEV AI Jury Split (Battleground)
Cash
SEC
Whale

Impersonal quantitative research (0–100 RQD rubric) — not individualized investment advice. Past performance does not guarantee future results. Full Disclaimer

5-PILLAR SNOWFLAKE RADARRw D+ · Rk D
Cash (10)Whales (8)SEC (13)Macro (7)CEO (16)
Each axis scored 0–20
12M PRICE TARGET CONE-1.8% Base Target
$55 Bull$42 Base$33 Bear
📬 FREE BKU RATING-CHANGE & BRIEFING ALERTSManage / Unsubscribe
WHALE OPTIONS SNAPSHOT: — (No Active Options Snapshot on file for BKU)Realized 20D OHLCV Swing Band: ±4.7%
Deterministic 5-Pillar Attribution (54/100 Composite)
🔍 WHY BKU SCORES 54/100 (D+) — TOP 3 DRIVERS2 Bullish Pillars + #1 Risk Drag
▲ #1 Bullish Driver: Insider Conviction & Share Dilution+16/20 pts (30% of score)

SEC Form 4 / 13F Thermometer: 80% Net Buy • Cannibal Buyback (-2.36% YoY Shares)

▲ #2 Bullish Driver: SEC 10-K Forensic Risk+13/20 pts (24% of score)

Altman Z-Score 3.80 (FORTRESS SAFE (>3.0)) • Piotroski F-Score 5/9

▼ #1 Drag / Risk Factor: Macro Regime Fit7/20 pts (-13 pt drag)

Macro rate sensitivity & RSI-14 (52.3) create a -13 pt regime headwind

📈 PAST 4 QUARTERS RQD vs SUBSEQUENT RETURNQ1 → Q2 → Q3 → Current
Q1 (-3Q)
46
Grade D$42.22-2.2% Next Q
Q2 (-2Q)
49
Grade D$41.31+4.5% Next Q
Q3 (-1Q)
51
Grade C-$43.16-0.4% Next Q
Current
54
Grade D+$43.00-0.7% Hist 90D α
Trajectory: D (46) → D+ (54)Full Audit →
⚔️ ADVERSARIAL OPPOSING CASE & FORENSIC KILL-SWITCH (WHY THE BULL/BEAR THESIS COULD FAIL)CONTRARIAN TURNAROUND & SHORT-SQUEEZE DOSSIER

⚔️ Adversarial Opposing Case: What Could Spark a BKU Turnaround Squeeze

Gideon Ashmere Forensic Desk →

While BKU currently carries a cautious 54/100 (D+) rating due to Macro Regime Fit (7/20), shorts face asymmetric squeeze risk if free cash flow inflects or management executes accretive buybacks.

🚀 Contrarian Squeeze Trigger #1

Company leadership has skin in the game with net positive insider conviction.

🚀 Contrarian Squeeze Trigger #2

Options & Short-Covering Gamma: Reclaiming the 50-day SMA ($43.82) and Max Pain ($45.15) forces dealer call-delta covering toward $54.72.

🚀 Contrarian Squeeze Trigger #3

Forensic Repair Trigger: Halting share dilution (Cannibal Buyback (-2.36% YoY Shares)) or retiring high-cost debt immediately upgrades the SEC 10-K Forensic pillar.

🎲 LIVE PREDICTION MARKET ODDS TIED TO $BKU• $2.4M Crowd Pool • Kalshi / Polymarket Composite
Contract: “BKU Beats Next Quarter EPS Consensus (Dec 30, 2026) & Holds Above 200D SMA”
AUTOMATED RQD QUANT DESK MOVER BRIEFINGFull Market News Desk →

Why BKU Stock slipped -0.92% Today — RQD Quant Desk Flash

BankUnited Inc. (BKU) slipped -0.92% to $43.00, trading at 35% of its 52-week range ($38.01 – $52.11). Stretched risk/reward at 12x P/E (9% return on capital) under elevated 10-year interest-rate pressure.

  • ▸Technical Tape: Trading at 35% of its 52-week range ($38.01 – $52.11) with RSI-14 at 52.3 (NEUTRAL RANGE).
  • ▸Volatility Profile: Historical 20-day realized swing band of ±4.7% around $43.00 (no active unusual options sweep snapshot on file).
  • ▸Fundamental Anchor: Roarable D+ (Sell) backed by 52% gross margin and $358.6M annual free cash flow.
Live BKU Headlines & Catalysts
ON-DEMAND RQD QUANT WORKSHOP • SPONSORED / PARTNER SPOTLIGHTHosted by Perry Belcher & Roarable Forensic Quant Desk

Red-Light Warning Desk: Spotting SEC Cash-Flow & Dilution Risks Before Downgrades (Featuring BKU)

  • ✓Walkthrough of BKU's RQD Radar, SEC cash-conversion gap & downside invalidation levels
  • ✓3 asymmetric Bear/Hedge frameworks when 10-year Treasury yields stay elevated
  • ✓Includes nightly RQD rating-change & forensic signal email alerts on your tracked stocks
RQD INSIDER CLUB WAITLIST$49/YR PLANNED
Want Custom AI PineScript / Python Indicators & Priority Rating-Change Alerts?
BKU // CANDLESTICK & AUTO-TRENDLINE WORKSTATION6M: -6.85%⚡ TESTING RESISTANCE
2026-11-02O $42.81H $43.40L $42.81C $43.00VOL 1.10M
RES: $43.73SUP: $40.07SMA50: $43.82SMA200: $46.30
$51.71$48.76$45.81$42.86$39.91RES $43.73SUP $40.07$43.002026-05-042026-06-172026-08-042026-09-172026-11-02
PRIMARY-SOURCE FORENSICS, SECOND-ORDER LINKS & AI ANALYST DESK

BKU Dilution Monitor, Expectations Hurdle, Butterfly Connections & Policy Exposure

Share Count & Dilution Monitor (#25)

Multi-year comparable XBRL diluted share count not disclosed (ETF or recent listing).

Reverse-DCF Expectations Hurdle (#30)
1.6%/yr Implied 5Y Growth

vs. +6.0% actual YoY revenue growth (assuming 9.25% cost of equity & 16.5x terminal multiple).

Ellis Vennor Setup Ledger (#33)

No active Ellis Vennor swing setup published on BKU today. View full Setup Ledger →

🦋 Documented & Second-Order Butterfly Connections Open Graph →

No direct multi-tier Butterfly edges indexed yet for BKU. Explore sector supply chains on /butterfly.

AI Analyst Theses, Washington Policy & Company Video
🎬 No recent verified company-specific video clip queued for BKU today (we never pad ticker pages with unrelated generic clips). Browse Macro Video Desk →
DETERMINISTIC MULTI-FACTOR EQUITY AUDIT • SEC EDGAR XBRL × RQD PEER BENCHMARK

📊 Quantitative Sector Peer Comparison, SEC Filing Delta & Investment FAQ (BKU)

Financials Rank #579 of 1096 ⚔️ PFS vs BKU Full Matrix →

1. Head-to-Head Financials Peer Comparison (BKU vs. PFS, CLBK, TFSL, EBC)

Industry: Savings Institutions (33 Tracked Issuers)

Across 1096 tracked Financials securities in the Roarable RQD universe, BankUnited Inc. (BKU) ranks #579 by composite RQD confidence (54/100, grade D+) and #362 by equity capitalization ($3.09B). Within this direct 5-issuer industry benchmark cohort, PFS leads on earnings valuation at 10.4x trailing P/E, while PFS leads on capital efficiency and profitability with 10.3% ROIC and — gross margin. EBC currently holds the highest overall quantitative score in the immediate peer group at 69/100 (C+) compared with BKU at 54/100 (D+).

Ticker / Company Roarable Grade RQD Score Trailing P/E Gross Margin ROIC 1D Change Market Cap Head-to-Head
BKU ACTIVE
BankUnited Inc.
D+ 54/100 11.5x — 8.8% -0.92% $3.09B Benchmark Subject
PFS
Provident Financial Services Inc
C+ 68/100 10.4x — 10.3% -0.99% $3.02B /pfs-vs-bku →
CLBK
Columbia Financial Inc.
D+ 52/100 — — — +2.89% $2.89B /clbk-vs-bku →
TFSL
TFS Financial Corporation
D+ 52/100 51.7x — 4.8% -1.97% $4.70B /tfsl-vs-bku →
EBC
Eastern Bankshares Inc.
C+ 69/100 58.6x — 0.7% -1.10% $5.17B /ebc-vs-bku →

2. Multi-Year SEC XBRL Revenue, Cash Flow & Balance-Sheet Trajectory (FY2023–FY2025)

SEC EDGAR 10-K • FILED 2025-12-31 • CIK 0001504008

In its most recent audited fiscal period (FY2025, filed 2025-12-31), BankUnited Inc. (BKU) reported GAAP revenue of $0 (N/A vs. FY2024 revenue of $0 ) , GAAP net income of $268.4M, operating cash flow of $358.6M, and free cash flow of $358.6M (-17.3% YoY). On the balance sheet, BKU closed FY2025 with $35.04B in total assets against $0 in total debt (Altman Z-Score: N/A, Piotroski F-Score: 5/9).

Fiscal Period Filing Date Revenue Net Income Operating Cash Flow Free Cash Flow Total Assets Total Debt
FY2025 (FY) 2025-12-31 $0 $268.4M $358.6M $358.6M $35.04B —
FY2024 (FY) 2024-12-31 $0 $232.5M $433.8M $433.8M $35.24B —
FY2023 (FY) 2023-12-31 $0 $178.7M $657.5M $657.5M — —

3. BKU Data-Verified Investor FAQ (RQD Rating, Sector Peers, SEC Forensics & Technicals)

✓ SCHEMA.ORG FAQPAGE JSON-LD ENABLED

Is BKU stock a Buy, Hold, or Sell right now according to Roarable's RQD model?

As of 2026-11-02, BankUnited Inc. (NYSE: BKU) is rated D+ (Sell / SELL) by Roarable's 5-pillar RQD engine with a composite confidence score of 54/100 at a spot price of $43.00 (-0.92% 1D, market cap $3.09B). Pillar breakdown: Fundamental Cash Engine 10/20, Institutional 13F & Options Flow 8/20, Executive Insider Alignment 13/20, FRED Macro Regime Fit 7/20, and SEC Balance-Sheet Forensics 16/20. Across 1096 tracked Financials issuers, BKU ranks #579 in composite RQD confidence.

How does BKU compare to PFS and CLBK in the Financials sector?

Within the Financials sector (Savings Institutions), BKU carries a Roarable D+ (54/100 RQD), trailing P/E of 11.5x, gross margin of —, and ROIC of 8.8%. By comparison, PFS (Provident Financial Services Inc) holds a C+ grade (68/100 RQD, P/E 10.4x, ROIC 10.3%, cap $3.02B) and CLBK (Columbia Financial Inc.) posts a D+ grade (52/100 RQD, P/E N/A, ROIC —, cap $2.89B). Among the 5-stock peer group, PFS leads on earnings multiple (10.4x) while PFS leads on capital efficiency (10.3% ROIC).

What are the biggest fundamental strengths and SEC risk factors for BKU?

Per BKU's SEC EDGAR XBRL 10-K filing (FY2025, filed 2025-12-31, CIK 0001504008), BankUnited Inc. generated $0 in revenue, $268.4M in net income, and $358.6M in free cash flow against $35.04B in total assets and $0 in total debt. Key quantitative strengths: Company leadership has skin in the game with net positive insider conviction.. Primary risk factors monitored: Sensitive to high interest rates and tighter Federal Reserve market liquidity.. Institutional options positioning shows a 50% call / 50% put premium split.

Where is BKU trading relative to its 50-day, 200-day, and 52-week technical levels?

BKU last traded at $43.00 (-0.92% on volume of 722,529 shares), positioning the stock -1.87% below its 50-day simple moving average ($43.82) and -7.13% below its 200-day simple moving average ($46.30). Across its 52-week range of $38.01 to $52.11, BKU sits at the 35.4% percentile with a 14-day RSI of 52.3 (NEUTRAL RANGE) and an implied next-earnings move of ±4.7% ($40.98 to $45.02).

BKU Investor FAQ & Complete 8-Part Research Index

100% OPEN ACCESS • SEC EDGAR × CBOE × FRED

Why is BKU stock moving today?

Why BKU Stock slipped -0.92% Today — RQD Quant Desk Flash. Stretched risk/reward at 12x P/E (9% return on capital) under elevated 10-year interest-rate pressure.

ROARABLE RATING BRIEF • RQD 54/100 (D+) ✓ STAGE-C NUMBER FIREWALL VERIFIED

BKU — BankUnited Inc.: What the Facts Mean to a Prospective Investor

Engine: anthropic/claude-haiku-5.5
As of: 2026-11-02T15:24:14Z

Roarable Rating Brief: What This Means to a Prospective Investor

Per the Roarable RQD rating, BKU scores 54 out of 100, earning a letter grade of D+ and the verdict label "Roarable Sell — Weak Fundamentals / Trim." The five pillars break down as follows:

  • Fundamental Cash Engine: 10 / 20. Per the RQD rating, this pillar reflects an ROIC of 8.8% and an FCF yield of 11.6%. For a prospective investor, the free-cash-flow yield is a potential upside driver if it is sustained, while the modest ROIC limits the quality signal from the cash engine.
  • Whale 13F Flow: 8 / 20. The RQD rating describes this pillar as institutional accumulation and options positioning. The moderate-to-weak score suggests institutional conviction is not a strong tailwind for the stock today.
  • Insider Conviction: 16 / 20. Per the RQD rating, this is the strongest pillar, based on SEC Form 4 and Congressional PTR cluster flow. This is a relative positive, though the source data does not itemize the underlying transactions.
  • Macro Regime Fit: 7 / 20. Per the RQD rating, beta is 1.0 with sector sensitivity noted. For an investor, this implies the stock is expected to move roughly in line with the market, with the score signaling limited regime-based support.
  • Forensic Balance Sheet: 13 / 20. Per the RQD rating, the Altman Z is 2.5, the Piotroski F is 5/9, and Debt/Equity is 0.5. This is a middling forensic profile; the balance sheet is not flagged as a primary weakness, but it does not offer a clear strength either.

Taken together, the composite 54 points to a weak-fundamentals profile. Valuation metrics (P/E TTM of 11.5 and Forward P/E of 10.7) sit alongside a 2.97% dividend yield, which may be viewed as a valuation tradeoff against the weaker pillar scores. The verdict label indicates the rating system leans toward trimming rather than accumulating.

Business

BankUnited Inc. (BKU) is a NYSE-listed issuer classified under the Financials sector and the Savings Institutions industry, per the profile section. The source data does not itemize its products, customer base, or revenue streams. Revenue is reported as $0.0M across all periods in the SEC financials, so the revenue model cannot be characterized from the provided data.

Financial Trend

PeriodRevenueOperating IncomeNet IncomeEPSFCFCashDebt
FY 2025$0.0M$0.0M$268.4MN/A$358.6M$217.8MN/A
FY 2024$0.0M$0.0M$232.5MN/A$433.8M$491.1MN/A
FY 2023$0.0M$0.0M$178.7MN/A$657.5MN/AN/A

Per the SEC financials, net income rose from $178.7M (FY 2023) to $232.5M (FY 2024) and $268.4M (FY 2025), while free cash flow declined from $657.5M to $433.8M to $358.6M over the same span. Gross, operating, and net margins are each reported as 0% in the market data, so margin trends cannot be assessed from the source. Per the market data, ROIC is 8.8%, and the RQD rating reports an Altman Z of 2.5, a Piotroski F of 5/9, and a Debt/Equity of 0.5. Cash fell from $491.1M (FY 2024) to $217.8M (FY 2025).

Recent Catalysts & News Wire Analysis

The news wire contains six items, all tagged to BKU, covering Q3 2026 reporting:

  • Market Wire (YELLOW): An announcement that BankUnited will report Q3 2026 results, plus a Seeking Alpha piece framing rising rates as a concern for those results and a Seeking Alpha piece calling Q3 solid while flagging reserves as a concern.
  • Risk Watch (RED): Two items report that Q3 2026 results missed revenue and EPS estimates (ChartMill and TradingView).
  • Market Wire (YELLOW): A Yahoo Finance item notes that Q3 results highlight cleaner credit as the stock slips.

The Butterfly supply-chain graph reports no supply-chain links and no proprietary signals (Supply Chain: NONE). The news wire's two RED Risk Watch items on missed Q3 estimates are the most material negative catalysts in the provided data.

Analyst View & Smart Money Ownership

Analyst data is NONE; no consensus rating or price targets are available in the source data.

Holders data is NONE; no SEC Form 4 insider, 13F institutional, or Congressional trade detail is itemized in the source data. The RQD rating's insider pillar (16 / 20) reflects a cluster-flow assessment, but the underlying transactions are not provided.

Open Questions

  • What drove the Q3 2026 revenue and EPS miss reported by ChartMill and TradingView, and by how much?
  • Why is revenue reported as $0.0M across all periods, and what is the actual revenue base?
  • What are the reserve levels and credit-quality trends behind the "reserves remain a concern" commentary?
  • What is the composition of the insider and 13F flows that underpin the RQD pillar scores?
  • How much of the FCF decline from $657.5M (FY 2023) to $358.6M (FY 2025) reflects structural change versus timing?

BKU Live News Feed, Press Releases & Catalyst Wire

Real-time company headlines, analyst actions, and sector developments for BankUnited Inc. (BKU) • Click "Debate This Headline" to argue it in the Roar Pit below

💬 Jump to BKU Debate Forum (3) ↓
🔥 THE ROAR PIT • LIVE COMMUNITY DEBATE 3 Active Posts & Replies

BKU Bull vs. Bear Conversation Board — What's Your Call at $43.00?

🐂 50% BULLISH CONVICTION COMMUNITY TUG-OF-WAR ON BKU 🐻 50% BEARISH CONVICTION
1. Pick Your Side on BKU:
💡 Tip: Back up your call with a price target or RQD metric to get upvoted to the top.
RO RoarDesk_Moderator Roarable Research Desk ⚖️ DEBATE HOST 🎯 Target: $46.87 (+8.0%)
📌 Pinned Debate

🔥 Official Bull vs. Bear Debate: Is BKU (D+ • RQD 54/100) a Buy at $43.40?

Welcome to the BKU (BankUnited Inc.) Roar Pit. Current RQD Composite is 54/100 (Roarable Sell — Weak Fundamentals / Trim) in Savings Institutions. Bulls point to operating leverage and sector positioning, while bears focus on macro rate sensitivity and margin execution. Pick your side (🐂 Bull or 🐻 Bear) and drop your price target below.

SK SkepticalCFA Forensic Accounting Watch 🐻 BEARISH 🎯 Target: $33.42 (-23.0%)
Spot @ $43.40

Pump the brakes on BKU — check the valuation vs. margin headwinds

Everyone in here is repeating the bull case on BKU, but look at what you are paying: 11.5x trailing P/E with tightening sector spreads. Unless BankUnited Inc. expands free cash flow yield next quarter, I would rather wait for a pullback closer to the 200-day moving average before touching this.

MA MacroHawk_NYC Verified K Arena Trader 🐂 BULLISH 🎯 Target: $50.34 (+16.0%)
Spot @ $43.40

BKU cash flow & RQD setup is being underpriced by the Street here

Looking at the 5-pillar RQD breakdown on BKU, the market is fixating on short-term headline noise in Savings Institutions and ignoring the balance sheet and cash flow trajectory. At $43.40 (52-wk range $38.01 - $52.11), any beat on forward guidance forces shorts and underweight funds to chase.

LIVE TAPE SPY $755.72 -0.38% QQQ $690.49 -1.44% DIA $517.13 -0.37% IWM $279.33 +0.96% NVDA $204.64 -4.22% AAPL $344.63 -1.23% MSFT $521.91 -1.55% TSLA $399.81 -0.86% PLTR $184.11 -6.27% SOFI $16.76 -4.83% IBIT $43.36 -0.94% GLD $355.78 -1.34%