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BKU

BankUnitedC
NYSE / Banks
Last Price
Quote time unavailable
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Current thesis
Q3 margin expansion, lower deposit costs, improved year-over-year credit measures and $97 million of share repurchases support the prior positive thesis. [#SEC-8K-2026-10-21]
Posture
Mixed
Lead driver
Value
What changed
Value remains the lead driver in the composite, 7D delta -0.4.
What can break
Nonperforming loans rose $40 million sequentially, even as year-over-year credit measures improved. [#SEC-8K-2026-10-21]
Momentum
34
Value
59
Sentiment
54
Setup hits (3d)
0 · Net Neutral
AI TargetsBase $44.00 · Bull $49.00 · Bear $35.00Analysis 2026-10-22; returns require an exact persisted reference.
Data freshness
Prices
Unavailable: Price unavailable
Fundamentals
As of 2026-10-23 • Vendor: Data Vendor v1
Scores
As of 2026-10-23 • Model: HYBRID_IC_RP
AI Memo
As of 2026-10-22 • Model: RankAlpha Sentiment Codex
Investment thesis
As of 2026-10-23

Grade is the composite factor band; factor scores use a 0–100 scale. Confidence describes evidence quality, not a probability of return. Score date: 2026-10-23. Definitions

Supporting evidence
What
Grade C · Mixed
Confidence Medium · Net Neutral
Target $47.55
Why
Momentum34 · Δ7d -0.7
Value59 · Δ7d -0.4
Sentiment54 · Δ7d -6.9
So what
Balanced signals (Net Neutral). Wait for confirmation before sizing up.

Confirming evidence

  • • Value remains the lead driver in the composite, 7D delta -0.4.

Contradictions & invalidation

  • • Nonperforming loans rose $40 million sequentially, even as year-over-year credit measures improved. [#SEC-8K-2026-10-21]
  • • Post-print analyst coverage remains thin in the checked sources; one target cut does not establish a broad revision trend.
  • • Revenue missed the consensus reported by Investing.com; pre-provision net revenue fell sequentially, quarter-end non-interest-bearing deposits declined, and nonperforming loans rose from Q2.

Catalyst clock

2026-11-05

Market digests mixed Q3 results

Lead driver: Value · See fundamentals
Momentum
34
8% active weight
Current posture
7d trendFlat
Δ7d
-0.7
Δ21d
+5.3
Value
59
47% active weight
Current posture
7d trendFlat
Δ7d
-0.4
Δ21d
+0.4
Sentiment
54
45% active weight
Current posture
7d trendSoftening
Δ7d
-6.9
Δ21d
-29.3
Why this grade

Composite grade C. Momentum 33.6 / Value 58.6 / Sentiment 54.5

Scenario snapshot

Scenario probability is memo-authored likelihood, not forecast certainty. Targets belong to the analysis dated 2026-10-22. Scenario method

B+
Bull case
25%
Probability
Target price
$49.00
Analysis reference price unavailable
Analysis 2026-10-22 · RankAlpha Sentiment Codex
Most likely
B
Base case
50%
Probability
Target price
$44.00
Analysis reference price unavailable
Analysis 2026-10-22 · RankAlpha Sentiment Codex
B-
Bear case
25%
Probability
Target price
$35.00
Analysis reference price unavailable
Analysis 2026-10-22 · RankAlpha Sentiment Codex
Fundamentals (TTM)
As of 2026-10-23
Market Cap
$3.1B
Beta
1.30
Shares Out
71.23M
P/E (TTM)
12.8
P/S (TTM)
3.18
P/FCF (TTM)
10.34
Rev YoY
-5.4%
EPS YoY
+6.7%
Gross Margin
-
Op Margin
+19.6%
Net Debt
$1.96B
Current Ratio
0.03
As of 2026-10-23 • Updated nightlySource: Internal modelMethods & Data