Stock fact sheet · data as of
BankUnited, Inc. (BKU): fair value, margin of safety and Wheel Score
Ticker symbol BKU · Financial Services · Banks - Regional · United States · Value
Is BKU undervalued?
BankUnited, Inc. (BKU) closed at 44.96 on 5 Nov 2026. The GLS average fair value - the simple average of the 8 valuation models that produced a positive number - is 56.42, so the price sits 20% below it. 4 of the 8 models value the shares above the current price. A margin of safety between 10% and 30% is where most of the Sunday Scan candidates come from.
The 8 models disagree widely: GLS Growth gives 3.15 while Graham Growth gives 114.63. A spread that wide means the average is sensitive to which methods you trust; the model table below shows where each one lands, and the Quote page lets you switch any of them off.
Ranked against every other company we cover, BKU is clearly cheaper than it is fast-growing, so the nightly engine files it under Value (value score 63, growth score 23, out of 100).
Nine valuation models for BKU
Each model turns the latest filed numbers into a value per share; the GLS fair value is the simple average of the ones that produce a positive number. The last two rows are shown for reference and never enter the average. The Quote page lets you switch any model off and add your own margin of safety.
| Model | Value | vs price | What it measures |
|---|---|---|---|
| DCF | - | - | Present value of the projected free cash flows, discounted at the cost of capital; no value tonight |
| Graham Number | 59.61 | +33% | The most a defensive investor pays for the earnings and book value per share |
| Graham Growth | 114.63 | +155% | Graham's growth formula: EPS × (8.5 + 2 × growth), adjusted for bond yields |
| Lynch | 41.98 | -7% | EPS × the earnings growth rate (PEG of 1), growth capped at 25% |
| GLS Growth | 3.15 | -93% | EPS compounded ten years at the blended growth rate, discounted back at 15% a year |
| 10 Cap | 103.12 | +129% | Owner's earnings (operating cash flow less maintenance capex) capitalised at 10% |
| Payback Time | 66.26 | +47% | Eight years of compounded free cash flow: the price at which the business pays for itself |
| DDM | 19.13 | -57% | Dividend discount model: next year's dividend ÷ (10% − 3% growth); needs a dividend |
| EPV | 43.51 | -3% | Earnings power value: current EPS capitalised at 9% with no growth |
| Zombie (liquidation) | -108.29 | -341% | Current assets less all liabilities, per share: the balance-sheet floor. Not in the average |
| Wall St target | 48.50 | +8% | Analysts' average 12-month price target. Not in the average |
Quality and financial health
On financial health BKU scores 7/9 (Piotroski): most of the nine tests - positive earnings and cash flow, falling debt, rising margins and turnover - are passed, which is the kind of balance sheet a wheel trader is happy to be assigned. The GLS Moat score is 6.0 out of 10: a record that is solid on some of the four parts the score weighs (returns on capital, pricing power, lasting growth, balance sheet) and weaker on others.
Returns on capital are moderate - ROIC 5.3%, ROE 8.8%, ROA 0.8% - with debt at 0.65 times equity and a free-cash-flow yield of 8.5%.
The dividend yield is 2.89% at a payout ratio of 26%; for a wheel trader holding assigned shares the dividend adds to the covered-call premium, and the ex-dividend date is worth knowing before a call is sold.
Institutional ownership scores 10/10, insider activity 1/10 and Congressional trading 5/10 on the GLS smart-money scales.
| Piotroski F-score | 7 / 9 | ROIC | 5.3% |
|---|---|---|---|
| GLS Moat | 6.0 / 10 | ROE | 8.8% |
| Debt / equity | 0.65 | ROA | 0.8% |
| Free-cash-flow yield | 8.5% | Payout ratio | 26% |
| Institutions | 10 / 10 | Insiders · Congress | 1 · 5 / 10 |
Wheel Score 75: Good
BKU scores 75 out of 100 on the Wheel Score (Good band, 70-84): it passes all 9 Wheel Trade Filters. How it ranks: value good, premium strong, moat good, health good, red flags good, option trading weak, stability fair; Option trading (weak) holds it back.
Implied volatility is 36% on the near-the-money contracts 20-60 days out - inside the 35-60% sweet spot the Wheel Score rewards most: enough premium to be worth selling, not so much that the risk is unpaid. Chain open interest is thin - 1,430 contracts across every expiry - so fills at a fair price are not guaranteed; a 30-45-day put may not exist at a usable strike.
Volume runs at 1.5M shares a day on a market cap of $3.2B, with a beta of 1.25 - a high beta, so the stock tends to move more than the market and a strike can be gapped through; the Stability part of the Wheel Score rates that fair.
| Filter | Wheel Trade Filter | Result | Detail |
|---|---|---|---|
| 1 | Options that actually trade | Passes | Listed options with 1,000+ contracts of open interest and 100+ traded a day |
| 2 | A real business, not a gamble | Passes | Profitable over the last twelve months - not a speculative stock, fund or note |
| 3 | Below fair value | Passes | Trading below the nine-model average fair value (margin of safety above 0) |
| 4 | Financially healthy | Passes | Piotroski F-score 6 or more out of 9 (a company with no score on file passes) |
| 5 | Can repay its debt | Passes | Long-term debt repaid from 3 years of operating cash flow or less (6 for real estate and utilities; banks and insurers are not judged on it) |
| 6 | No serious red flags | Passes | Red Flags score 60 or more out of 100 (earnings, margins, debt, analysts, filings and price checked the same way for every stock) |
| 7 | A premium worth selling | Passes | Implied volatility 25-80% (enough premium, not a lottery ticket) |
| 8 | Big enough | Passes | Market cap $1 billion or more |
| 9 | Not a penny stock | Passes | Share price $5 or more |
| How it ranks | Rating | From | |
|---|---|---|---|
| Value | Good | 20% below fair value | |
| Premium | Strong | implied volatility 36% | |
| Moat | Good | moat 6.0/10 | |
| Health | Good | Piotroski 7/9 | |
| Red Flags | Good | Red Flags score 80/100 | |
| Option trading | Weak | 573 contracts a day, 1,430 open interest | |
| Stability | Fair | beta 1.25, $3.2B company |
The Wheel Score ranks ~7,400 US stocks for selling cash-secured puts and covered calls: a stock must pass all 9 Wheel Trade Filters to score 70, and the score then ranks the ones that pass; the Sunday Scan is the top 10. It is updated nightly and is not a recommendation. How the Wheel Score works · the walkthrough lesson shows how it fits into a trade, start to finish.
Upcoming events
The next earnings report is due on 20 Jan 2027, 76 days away - outside the window of a 30-45-day put sold today.
No analyst upgrades or downgrades were recorded in the last 30 days.
Earnings, dividend, IPO, split and economic calendars for the whole market, filterable to your watchlists.
Similar stocks in Banks - Regional
The 12 companies below are the closest to BankUnited, Inc. by market cap within the Banks - Regional industry, each with its own fact sheet; the Compare page puts up to eight of them side by side.
| Stock | Close | Fair value | MoS | Wheel | Mkt cap |
|---|---|---|---|---|---|
| FHB First Hawaiian, Inc. | 25.87 | 38.94 | +34% | 47Weak | $3.1B |
| PRK Park National Corporation | 182.71 | 128.99 | -42% | 40Weak | $3.3B |
| MCHB Mechanics Bank | 15.03 | 24.24 | +38% | 49Weak | $3.3B |
| SBCF Seacoast Banking Corporation of Florida | 34.27 | 35.62 | +4% | 37Weak | $3.3B |
| PFS Provident Financial Services, Inc. | 23.52 | 37.81 | +38% | 39Weak | $3.1B |
| SFNC Simmons First National Corporation | 23.64 | 25.84 | +9% | 34Weak | $3.4B |
| CBU Community Bank System, Inc. | 65.73 | 79.21 | +17% | 43Weak | $3.4B |
| TOWN TowneBank | 37.34 | 38.29 | +2% | 31Weak | $3.5B |
| CUBI Customers Bancorp, Inc. | 87.17 | 201.43 | +57% | 48Weak | $2.9B |
| BANC Banc of California, Inc. | 18.56 | 17.36 | -7% | 33Weak | $2.9B |
| FFBC First Financial Bancorp. | 33.39 | 76.46 | +56% | 47Weak | $3.5B |
| NIC Nicolet Bankshares, Inc. | 175.24 | 189.31 | +7% | 38Weak | $3.6B |
⚖ Compare BKU with 7 of them All Financial Services stocks →
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Start free See the Sunday ScanQuestions about BKU
Is BKU undervalued right now?
By the GLS models, moderately: at 44.96 the stock trades 20% below the average fair value of 56.42 (data as of 5 Nov 2026).
What is the Wheel Score of BKU and what does it mean?
BKU scores 75 out of 100 (Good). The Wheel Score ranks stocks for the wheel strategy - selling cash-secured puts, then covered calls if assigned - in two parts: the 9 pass/fail Wheel Trade Filters (busy options, a real business, below fair value, Piotroski 6 or more, debt it can repay, a Red Flags score of 60 or more, implied volatility of 25-80%, a $1 billion company, $5 a share) and a ranking of how strongly a stock passes on value, premium, moat, health, red flags, option trading and stability. A stock that fails any filter stays under 70; 70-84 is Good, 85 and above is Prime. The Sunday Scan is the top 10 that pass, sorted by Wheel Score.
What is the GLS fair value for BKU?
56.42 per share as of 5 Nov 2026 - the simple average of the 8 valuation models (out of nine: DCF, Graham Number, Graham Growth, Lynch, GLS Growth, 10 Cap, Payback Time, DDM and EPV) that produced a positive value. The models run every night on the latest filings; the Quote page lets you switch any of them off and add a margin of safety of your own.
When does BankUnited, Inc. report earnings next?
The next earnings report is due on 20 Jan 2027, 76 days from the data date of 5 Nov 2026. The Calendars page lists every upcoming report with its time of day.
Does BKU have listed options, and how liquid are they?
Yes. The nightly snapshot found 28 listed contracts with 1,430 open interest across all expiries and implied volatility of 36% on the near-the-money contracts. The Options scanner lists the cash-secured put and covered call set-ups with premium and annualised yield worked out.