BankUnited, Inc.
In the published model solve dated 2026-Q2, anchored at $46.59, BankUnited, Inc. (BKU) is priced for 12.8% return on equity. boothcheck publishes no house fair value, target price, or buy/sell rating; individual model outputs and user-controlled scenarios are analytical inputs, not Boothcheck targets. The narrative was composed July 25, 2026 from SEC EDGAR filings.
• The entire investment case rests on one repair job on the funding side: average non-interest-bearing checking balances grew by 844 million dollars during 2025 while borrowings from the Federal Home Loan Bank fell by 914 million dollars, which is the margin story in a single line. • That same commercial deposit base is the fragility, because the 10-K states plainly that ⟦due to the design and purpose of FDIC deposit insurance, across the U.S. banking system and at BankUnited, a significant port
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311 institutional managers reported holding BKU in 13F filings for the quarter ended 2026-03-31. 52 opened new positions that quarter. Held by BlackRock, Vanguard Group, Dimensional Fund Advisors, among others. On the short side, 2.7M shares were sold short as of the 2026-06-15 count, about 4% of shares outstanding (4.3 days of typical volume to cover).
Quarterly 13F filings arrive up to 45 days after quarter end, so the picture is never current (filed through 2026-05-29). Nothing here is investment advice.
BKU has cut its share count 20.2% over the past five years, spending $827.63M on repurchases. It pays a dividend, and has paid one every year in our records (16 and counting), raised 4 years straight; the current rate is $1.24 a share annually. Cash returned over the past three years: $241.60M in dividends and $59.95M in repurchases.
Share counts are split-adjusted; repurchase totals are gross of share issuance. Nothing here is investment advice.
Open-market insider buys at BKU over the trailing three years: 2025: 2 buys totaling $97k. 13 officers and directors are on file.
Code P open-market purchases from SEC Form 4 filings, non-derivative, excluding scheduled 10b5-1 plans. Nothing here is investment advice.
BKU's recent reports: the day-one move, then what the following quarter actually did.
| report | day one | next quarter |
|---|---|---|
| 2023-08-03 | +8.7% | -24.6% |
| 2023-11-02 | -1.6% | +30.9% |
| 2024-02-21 | -0.6% | +2.8% |
| 2024-04-26 | +5.8% | +7.4% |
Day-one is the close-to-close move around the filing. Nothing here is investment advice.
BKU's latest 8-K filings: 2026-07-22 (items 2.02, 9.01); 2026-05-21 (items 5.02, 5.07); 2026-05-12 (items 5.02, 9.01); 2026-04-22 (items 2.02, 9.01); 2026-02-11 (items 7.01, 9.01).
Item codes are the SEC's own classification of what each report discloses. Dates link to the filing on EDGAR. Nothing here is investment advice.
Model solve date: 2026-Q2
Narrative composed: July 25, 2026
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For informational and research purposes only. Not investment advice. Not a recommendation to buy, sell, or hold any security. boothcheck is not a registered investment adviser. Past performance does not guarantee future results.