BankUnited Inc (BKU) Stock Analysis — PE Ratio, PS Ratio, Intrinsic Value & 2030 Price Target
BankUnited Inc stock (BKU) is currently trading at $44.66. BankUnited Inc PE ratio is 12.35. BankUnited Inc PS ratio (Price-to-Sales) is 3.20. Analyst consensus price target for BKU is $54.09. WallStSmart rates BKU as Moderate Buy.
- BKU PE ratio analysis and historical PE chart
- BKU PS ratio (Price-to-Sales) history and trend
- BKU intrinsic value — DCF, Graham Number, EPV models
- BKU stock price prediction 2025 2026 2027 2028 2029 2030
- BKU fair value vs current price
- BKU insider transactions and insider buying
- Is BKU undervalued or overvalued?
- BankUnited Inc financial analysis — revenue, earnings, cash flow
- BKU Piotroski F-Score and Altman Z-Score
- BKU analyst price target and Smart Rating
BankUnited Inc
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BKU Intrinsic Value Analysis for Value Investors
Benjamin Graham Formula · BankUnited Inc (BKU)
BKU trades 105% above its Graham fair value of $24.00, indicating the stock may be overvalued at current levels.
Based on Benjamin Graham Formula. Growth rate capped at 25%. For informational purposes only. Not financial advice.
Smart Analysis
BankUnited Inc (BKU) · 10 metrics scored
Smart Score
Category Performance
WallStSmart pulls financial metrics like revenue growth, profit margins, and valuation ratios and scores each one from 0 to 10 based on how strong or weak it is. Those 10 scores are grouped into 4 categories: Growth, Profitability, Valuation, and Quality — which form the 4 axes of the spider chart you see. The categories are then combined into a final score out of 100, but not equally. Growth and Profitability together count for 60% of the total, because a fast-growing profitable business matters more than just a cheap one. That final number maps to a rating (Strong Buy, Buy, Hold, Avoid) and a letter grade, giving you one clear Stock Rating.
Investment Thesis
Strong fundamentals in peg ratio, operating margin, price/book. Concerns around return on equity and revenue growth. Overall metrics suggest strong investment potential with favorable risk/reward.
BankUnited Inc (BKU) Key Strengths (6)
Growing significantly faster than its price suggests
Keeps $37 of every $100 in revenue after operating costs
Keeps $26 of every $100 in revenue as net profit
110.01% of shares held by major funds and institutions
Trading at 1.05x book value, attractively priced
Mid-cap company balancing growth potential with stability
Supporting Valuation Data
BankUnited Inc (BKU) Areas to Watch (4)
Earnings declining -1.70%, profits shrinking
Revenue growing slowly at 3.60% annually
Low profitability relative to shareholder equity
Revenue is fairly priced at 3.20x sales
BankUnited Inc (BKU) Detailed Analysis Report
Overall Assessment
This company scores 65/100 in our Smart Analysis, earning a B- grade. Out of 10 metrics analyzed, 6 register as strengths (avg 9.2/10) while 4 fall into concern territory (avg 2.8/10). The category breakdown reveals uneven performance, with some areas requiring attention.
The Bull Case
The strongest argument centers on PEG Ratio, Operating Margin, Profit Margin. Valuation metrics including PEG Ratio (0.27), Price/Book (1.05) suggest the stock is attractively priced. Profitability is solid with Operating Margin at 36.60%, Profit Margin at 26.20%.
The Bear Case
The primary concerns are EPS Growth, Revenue Growth, Return on Equity. Some valuation metrics including Price/Sales (3.20) suggest expensive pricing. Growth concerns include Revenue Growth at 3.60%, EPS Growth at -1.70%, which may limit upside. Profitability pressure is visible in Return on Equity at 9.15%.
Key Dynamics to Monitor
Three factors to monitor going forward. First, whether EPS Growth improves, as this is the primary drag on the overall score. Second, margin trajectory, with Return on Equity at 9.15% needing improvement to support the investment thesis. Third, growth sustainability, with Revenue Growth at 3.60% needing to reaccelerate.
Risk Considerations
Based on the metric profile, this is a moderate-to-high risk investment. The weight of evidence leans positive, with more strengths than concerns. Investors should size positions according to their risk tolerance and maintain diversification.
Bottom Line
Mixed fundamentals with both positives (PEG Ratio, Operating Margin) and negatives (EPS Growth, Revenue Growth). A cautious approach is warranted. Monitor for improvement in weak areas before increasing conviction.
Disclaimer: Smart Analysis is a scoring system developed by WallStSmart Team. Scores update daily using multi-model valuation framework. Always conduct your own research and consult with financial advisors before making investment decisions.
BKU Price-to-Sales(PS) Ratio Chart
Historical valuation based on market cap ÷ trailing 12-month revenue
BKU's Price-to-Sales ratio of 3.20x trades at a 45% premium to its historical average of 2.21x (97th percentile). The current valuation is 7% below its historical high of 3.42x set in Mar 2026, and 240% above its historical low of 0.94x in Jun 2020. Over the past 12 months, the PS ratio has expanded from ~1.2x, reflecting growing market expectations outpacing revenue growth.
WallStSmart Analysis Synopsis
Data-driven financial summary for BankUnited Inc (BKU) · FINANCIAL SERVICES › BANKS - REGIONAL
The Big Picture
BankUnited Inc is a strong growth company balancing expansion with improving profitability. Revenue reached 1.0B with 360% growth year-over-year. Profit margins are strong at 26.2%, reflecting pricing power and operational efficiency.
Key Findings
Revenue growing at 360% YoY, reaching 1.0B. This pace significantly outperforms most BANKS - REGIONAL peers.
ROE of 915.0% means the company generates strong returns on shareholder equity. Above 20% is considered top-tier.
Earnings fell 170% YoY while revenue grew 360%. This gap usually reflects one-time items (tax benefits, write-offs) in the prior period, not an operational decline.
What to Watch Next
Growth sustainability: can BankUnited Inc maintain 360%+ revenue growth, or will competition slow it down?
Dividend sustainability with a current yield of 286.0%. Watch payout ratio and free cash flow coverage.
Sector dynamics: monitor BANKS - REGIONAL industry trends, competitive moves, and regulatory changes that could impact BankUnited Inc.
Bottom Line
BankUnited Inc offers an attractive blend of growth (360% revenue expansion) and improving fundamentals. The company is transitioning from pure growth to profitable growth, a critical inflection point. Watch for sustained margin expansion as the key signal.
This synopsis is generated from publicly available financial data. It is not financial advice. Always conduct your own research and consult a qualified financial advisor before making investment decisions.
Insider Transactions
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About BankUnited Inc(BKU)
NYSE
FINANCIAL SERVICES
BANKS - REGIONAL
USA
BankUnited, Inc. is the banking holding company for BankUnited, a national banking association offering a range of banking services in the United States. The company is headquartered in Miami Lakes, Florida.