B+
Bull case
20%
Probability
Target price
$61.93
Analysis reference price unavailable
Analysis 2026-01-24 · RankAlpha Sentiment AI
BKU
BankUnitedBNYSE / Banks
Last Price
Quote time unavailable
Current thesis
Bull scenario assumes stabilized deposit costs, modest loan growth and improving NIMs; management executes on margin initiatives and credit remains benign, driving a multi‑quarter re‑rating.
Posture
Constructive
Lead driver
Sentiment
What changed
Sentiment remains the lead driver in the composite, 7D delta +4.5.
What can break
Concentration in commercial/CRE lending
Momentum
30
Value
57
Sentiment
71
Setup hits (3d)
0 · Net Neutral
AI TargetsBase $50.02 · Bull $61.93 · Bear $38.11Analysis 2026-01-24; returns require an exact persisted reference.
Data freshness
Prices
Unavailable: Price unavailable
Fundamentals
As of 2026-08-17 • Vendor: Data Vendor v1
Scores
As of 2026-09-09 • Model: HYBRID_IC_RP
AI Memo
As of 2026-01-24 • Model: RankAlpha Sentiment AI
Investment thesisAs of 2026-09-09
Investment thesis
As of 2026-09-09
Grade is the composite factor band; factor scores use a 0–100 scale. Confidence describes evidence quality, not a probability of return. Score date: 2026-09-09. Definitions
Supporting evidence
What
Grade B · Constructive
Confidence Medium · Net Neutral
Target $50.27
Why
Momentum30 · Δ7d +0.7
Value57 · Δ7d -0.0
Sentiment71 · Δ7d +4.5
So what
Strength-led posture (Net Neutral). Favor watchlist adds and disciplined entries.
Confirming evidence
- • Sentiment remains the lead driver in the composite, 7D delta +4.5.
Contradictions & invalidation
- • Concentration in commercial/CRE lending
- • Deposit outflows and higher deposit betas
- • Bear scenario assumes continued deposit outflows, sustained deposit beta increases and a weakening CRE/portfolio credit environment that forces higher loss provisions and valuation multiple compression.
Catalyst clock
2026-04-24
Q4 / FY2025 earnings release (estimated)
Lead driver: Sentiment · See AI snapshot
Momentum
30
9% active weight
Current posture
7d trendFlat
Δ7d
+0.7
Δ21d
-3.7
Value
57
28% active weight
Current posture
7d trendFlat
Δ7d
-0.0
Δ21d
-0.0
Sentiment
71
62% active weight
Current posture
7d trendImproving
Δ7d
+4.5
Δ21d
+8.5
Why this grade
Composite grade B. Momentum 30.4 / Value 56.8 / Sentiment 70.5
Scenario snapshot
Scenario probability is memo-authored likelihood, not forecast certainty. Targets belong to the analysis dated 2026-01-24. Scenario method
Most likely
B
Base case
60%
Probability
Target price
$50.02
Analysis reference price unavailable
Analysis 2026-01-24 · RankAlpha Sentiment AI
B-
Bear case
20%
Probability
Target price
$38.11
Analysis reference price unavailable
Analysis 2026-01-24 · RankAlpha Sentiment AI
Fundamentals (TTM)As of 2026-08-17
Fundamentals (TTM)
As of 2026-08-17
Market Cap
$3.41B
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 2026-09-09 • Updated nightlySource: Internal modelMethods & Data