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BankUnited Inc. (BKU) Options Positioning, Max Pain & Unusual Sweeps

$44.04 +2.42% NYSE • Live Quote vs Prior Daily Close (Synced Snapshot) EXT / AFTER-HRS: $44.15

BankUnited Inc. (BKU) carries a Roarable Rating of D+ (Sell) with 54/100 RQD Confidence due to weak cash-flow efficiency and sensitivity to current interest rates. Wait for business cash flow and institutional buying to improve before committing fresh capital.

ROARABLE D+ • SELL / AVOID Cap $3.06B
📤 Share Live RQD Speedometer Card: 𝕏 Post Reddit StockTwits ⬇ Live SVG Card
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🤖 Mara Quenwick • AI Quant Lead (Click for Instant Brief) Is BKU stock a Buy, Hold, or Sell right now according to Roarable's RQD model?
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As of 2026-11-03, BankUnited Inc. (NYSE: BKU) is rated D+ (Sell / SELL) by Roarable's 5-pillar RQD engine with a composite confidence score of 54/100 at a spot price of $44.04 (+2.42% 1D, market cap $3.06B). Pillar breakdown: Fundamental Cash Engine 10/20, Institutional 13F & Options Flow 8/20, Executive Insider Alignment 13/20, FRED Macro Regime Fit 7/20, and SEC Balance-Sheet Forensics 16/20. Across 1096 tracked Financials issuers, BKU ranks #543 in composite RQD confidence.

✓ Pre-computed one-to-many AI Quant brief
🤖 Ellis Vennor • AI Peer & Flow Quant (Click for Instant Brief) How does BKU compare to PFS and CLBK in the Financials sector?
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Within the Financials sector (Savings Institutions), BKU carries a Roarable D+ (54/100 RQD), trailing P/E of 11.5x, gross margin of —, and ROIC of 8.8%. By comparison, PFS (Provident Financial Services Inc) holds a C grade (65/100 RQD, P/E 10.4x, ROIC 10.3%, cap $2.99B) and CLBK (Columbia Financial Inc.) posts a D+ grade (54/100 RQD, P/E N/A, ROIC —, cap $2.98B). Among the 5-stock peer group, PFS leads on earnings multiple (10.4x) while PFS leads on capital efficiency (10.3% ROIC).

✓ Pre-computed one-to-many AI Quant brief
🤖 Gideon Ashmere • AI SEC 10-K Forensics (Click for Instant Brief) What are the biggest fundamental strengths and SEC risk factors for BKU?
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Per BKU's SEC EDGAR XBRL 10-K filing (FY2025, filed 2025-12-31, CIK 0001504008), BankUnited Inc. generated $14.72B in revenue (-0.6% YoY), $268.4M in net income, and $358.6M in free cash flow against $35.04B in total assets and $0 in total debt. Key quantitative strengths: Company leadership has skin in the game with net positive insider conviction.. Primary risk factors monitored: Sensitive to high interest rates and tighter Federal Reserve market liquidity.. Institutional options positioning shows a 50% call / 50% put premium split.

✓ Pre-computed one-to-many AI Quant brief
🤖 AI Quant Disclosure: Roarable Analysts are proprietary AI Quant Specialists — not human financial advisors. Pre-computed one-to-many briefings above are free; interactive 1-on-1 Q&A, custom AI sifting/indicator alerts, and personal ChatGPT/Claude MCP connections require a $9.95/mo Pro account (currently waitlist-only).
INTERACTIVE SCENARIO DECK:
🛡️ Portfolio Crash X-Ray
EXT / AFTER-HRS: $44.15 (+0.25%)🧬 Cannibal Buyback (-2.36% YoY Shares)⚙️ Cash Engine: 10/20 (D) • 2.4% FCF Margin
Verify 90D Bucket Audit →
📊 Historical Track Record: Scores of 54/100 (D+) historically posted market-perform odds over rolling 90-day windows (-0.7% avg 90D alpha vs SPY • 51.0% hit rate — wait for RQD ≥ 70 breakout).
Audit Bucket Track Record →
RQD QUANT TACHOMETERSELL / AVOID • D+
025507510054
JEV AI Jury Split (Battleground)
Cash
SEC
Whale

Impersonal quantitative research (0–100 RQD rubric) — not individualized investment advice. Past performance does not guarantee future results. Full Disclaimer

5-PILLAR SNOWFLAKE RADARRw D+ · Rk D
Cash (10)Whales (8)SEC (13)Macro (7)CEO (16)
Each axis scored 0–20
12M PRICE TARGET CONE-1.8% Base Target
$55 Bull$43 Base$34 Bear
📬 FREE BKU RATING-CHANGE & BRIEFING ALERTSManage / Unsubscribe
WHALE OPTIONS SNAPSHOT: — (No Active Options Snapshot on file for BKU)Realized 20D OHLCV Swing Band: ±4.6%
Deterministic 5-Pillar Attribution (54/100 Composite)
🔍 WHY BKU SCORES 54/100 (D+) — TOP 3 DRIVERS2 Bullish Pillars + #1 Risk Drag
▲ #1 Bullish Driver: Insider Conviction & Share Dilution+16/20 pts (30% of score)

SEC Form 4 / 13F Thermometer: 80% Net Buy • Cannibal Buyback (-2.36% YoY Shares)

▲ #2 Bullish Driver: SEC 10-K Forensic Risk+13/20 pts (24% of score)

Altman Z-Score 3.80 (FORTRESS SAFE (>3.0)) • Piotroski F-Score 5/9

▼ #1 Drag / Risk Factor: Macro Regime Fit7/20 pts (-13 pt drag)

Macro rate sensitivity & RSI-14 (49.3) create a -13 pt regime headwind

📈 PAST 4 QUARTERS RQD vs SUBSEQUENT RETURNQ1 → Q2 → Q3 → Current
Q1 (-3Q)
46
Grade D$41.71+1.5% Next Q
Q2 (-2Q)
49
Grade D$42.32+2.7% Next Q
Q3 (-1Q)
51
Grade C-$43.45+1.4% Next Q
Current
54
Grade D+$44.04-0.7% Hist 90D α
Trajectory: D (46) → D+ (54)Full Audit →
⚔️ ADVERSARIAL OPPOSING CASE & FORENSIC KILL-SWITCH (WHY THE BULL/BEAR THESIS COULD FAIL)CONTRARIAN TURNAROUND & SHORT-SQUEEZE DOSSIER

⚔️ Adversarial Opposing Case: What Could Spark a BKU Turnaround Squeeze

Gideon Ashmere Forensic Desk →

While BKU currently carries a cautious 54/100 (D+) rating due to Macro Regime Fit (7/20), shorts face asymmetric squeeze risk if free cash flow inflects or management executes accretive buybacks.

🚀 Contrarian Squeeze Trigger #1

Company leadership has skin in the game with net positive insider conviction.

🚀 Contrarian Squeeze Trigger #2

Options & Short-Covering Gamma: Reclaiming the 50-day SMA ($43.75) and Max Pain ($46.24) forces dealer call-delta covering toward $54.72.

🚀 Contrarian Squeeze Trigger #3

Forensic Repair Trigger: Halting share dilution (Cannibal Buyback (-2.36% YoY Shares)) or retiring high-cost debt immediately upgrades the SEC 10-K Forensic pillar.

🎲 LIVE PREDICTION MARKET ODDS TIED TO $BKU• $2.4M Crowd Pool • Kalshi / Polymarket Composite
Contract: “BKU Beats Next Quarter EPS Consensus (Dec 30, 2026) & Holds Above 200D SMA”
YES 54%NO 46%Trade / Inspect Odds →
CALL VS. PUT WHALE SHARE
— (No Active Options Snapshot)
Put/Call Ratio: — (No Active Options Snapshot)
MAX-PAIN EXPIRATION MAGNET
— (No Active Options Snapshot)
No active options chain max-pain snapshot on file
HISTORICAL 20D VOLATILITY SWING
±4.6%
Derived from 20D OHLCV bars (No Active Options Snapshot)

Active Strike Call vs. Put Concentration Ladder (BKU)

— (No Active Options Snapshot) — No unusual CBOE strike concentration anomalies recorded in the current database snapshot for BKU.

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Red-Light Warning Desk: Spotting SEC Cash-Flow & Dilution Risks Before Downgrades (Featuring BKU)

  • ✓Walkthrough of BKU's RQD Radar, SEC cash-conversion gap & downside invalidation levels
  • ✓3 asymmetric Bear/Hedge frameworks when 10-year Treasury yields stay elevated
  • ✓Includes nightly RQD rating-change & forensic signal email alerts on your tracked stocks
RQD INSIDER CLUB WAITLIST$49/YR PLANNED
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BKU // CANDLESTICK & AUTO-TRENDLINE WORKSTATION6M: -4.59%⚡ TESTING RESISTANCE
2026-11-03O $43.40H $44.04L $43.00C $44.04VOL 722.5K
RES: $44.43SUP: $40.01SMA50: $43.75SMA200: $46.28
$51.71$48.76$45.81$42.86$39.91RES $44.43SUP $40.01$44.042026-05-042026-06-172026-08-042026-09-182026-11-03
PRIMARY-SOURCE FORENSICS, SECOND-ORDER LINKS & AI ANALYST DESK

BKU Dilution Monitor, Expectations Hurdle, Butterfly Connections & Policy Exposure

🦋 BKU Butterfly Map → + Track BKU →
Share Count & Dilution Monitor

Multi-year comparable XBRL diluted share count not disclosed (ETF or recent listing).

Reverse-DCF Expectations Hurdle
1.6%/yr Implied 5Y Growth

vs. +6.0% actual YoY revenue growth (assuming 9.25% cost of equity & 16.5x terminal multiple).

Ellis Vennor Setup Ledger

No active Ellis Vennor swing setup published on BKU today. View full Setup Ledger →

🦋 Documented & Second-Order Butterfly Connections Open Graph →

No direct multi-tier Butterfly edges indexed yet for BKU. Explore sector supply chains on /butterfly.

AI Analyst Theses, Washington Policy & Company Video
🎬 No recent verified company-specific video clip queued for BKU today (we never pad ticker pages with unrelated generic clips). Browse Macro Video Desk →
DETERMINISTIC MULTI-FACTOR EQUITY AUDIT • SEC EDGAR XBRL × RQD PEER BENCHMARK

📊 Quantitative Sector Peer Comparison, SEC Filing Delta & Investment FAQ (BKU)

Financials Rank #543 of 1096 ⚔️ PFS vs BKU Full Matrix →

1. Head-to-Head Financials Peer Comparison (BKU vs. PFS, CLBK, TFSL, EBC)

Industry: Savings Institutions (33 Tracked Issuers)

Across 1096 tracked Financials securities in the Roarable RQD universe, BankUnited Inc. (BKU) ranks #543 by composite RQD confidence (54/100, grade D+) and #361 by equity capitalization ($3.06B). Within this direct 5-issuer industry benchmark cohort, PFS leads on earnings valuation at 10.4x trailing P/E, while PFS leads on capital efficiency and profitability with 10.3% ROIC and — gross margin. EBC currently holds the highest overall quantitative score in the immediate peer group at 68/100 (C+) compared with BKU at 54/100 (D+).

Ticker / Company Roarable Grade RQD Score Trailing P/E Gross Margin ROIC 1D Change Market Cap Head-to-Head
BKU ACTIVE
BankUnited Inc.
D+ 54/100 11.5x — 8.8% +2.42% $3.06B Benchmark Subject
PFS
Provident Financial Services Inc
C 65/100 10.4x — 10.3% +2.66% $2.99B /pfs-vs-bku →
CLBK
Columbia Financial Inc.
D+ 54/100 — — — +1.00% $2.98B /clbk-vs-bku →
TFSL
TFS Financial Corporation
D 50/100 51.7x — 4.8% +0.55% $4.61B /tfsl-vs-bku →
EBC
Eastern Bankshares Inc.
C+ 68/100 58.6x — 0.7% +2.41% $5.12B /ebc-vs-bku →

2. Multi-Year SEC XBRL Revenue, Cash Flow & Balance-Sheet Trajectory (FY2023–FY2025)

SEC EDGAR 10-K • FILED 2025-12-31 • CIK 0001504008

In its most recent audited fiscal period (FY2025, filed 2025-12-31), BankUnited Inc. (BKU) reported GAAP revenue of $14.72B (-0.6% vs. FY2024 revenue of $14.80B , and +489.0% cumulative change since FY2023) , GAAP net income of $268.4M, operating cash flow of $358.6M, and free cash flow of $358.6M (-17.3% YoY). On the balance sheet, BKU closed FY2025 with $35.04B in total assets against $0 in total debt (Altman Z-Score: N/A, Piotroski F-Score: 5/9).

Fiscal Period Filing Date Revenue Net Income Operating Cash Flow Free Cash Flow Total Assets Total Debt
FY2025 (FY) 2025-12-31 $14.72B $268.4M $358.6M $358.6M $35.04B —
FY2024 (FY) 2024-12-31 $14.80B $232.5M $433.8M $433.8M $35.24B —
FY2023 (FY) 2023-12-31 $2.50B $178.7M $657.5M $657.5M — —

3. BKU Data-Verified Investor FAQ (RQD Rating, Sector Peers, SEC Forensics & Technicals)

✓ SCHEMA.ORG FAQPAGE JSON-LD ENABLED

Is BKU stock a Buy, Hold, or Sell right now according to Roarable's RQD model?

As of 2026-11-03, BankUnited Inc. (NYSE: BKU) is rated D+ (Sell / SELL) by Roarable's 5-pillar RQD engine with a composite confidence score of 54/100 at a spot price of $44.04 (+2.42% 1D, market cap $3.06B). Pillar breakdown: Fundamental Cash Engine 10/20, Institutional 13F & Options Flow 8/20, Executive Insider Alignment 13/20, FRED Macro Regime Fit 7/20, and SEC Balance-Sheet Forensics 16/20. Across 1096 tracked Financials issuers, BKU ranks #543 in composite RQD confidence.

How does BKU compare to PFS and CLBK in the Financials sector?

Within the Financials sector (Savings Institutions), BKU carries a Roarable D+ (54/100 RQD), trailing P/E of 11.5x, gross margin of —, and ROIC of 8.8%. By comparison, PFS (Provident Financial Services Inc) holds a C grade (65/100 RQD, P/E 10.4x, ROIC 10.3%, cap $2.99B) and CLBK (Columbia Financial Inc.) posts a D+ grade (54/100 RQD, P/E N/A, ROIC —, cap $2.98B). Among the 5-stock peer group, PFS leads on earnings multiple (10.4x) while PFS leads on capital efficiency (10.3% ROIC).

What are the biggest fundamental strengths and SEC risk factors for BKU?

Per BKU's SEC EDGAR XBRL 10-K filing (FY2025, filed 2025-12-31, CIK 0001504008), BankUnited Inc. generated $14.72B in revenue (-0.6% YoY), $268.4M in net income, and $358.6M in free cash flow against $35.04B in total assets and $0 in total debt. Key quantitative strengths: Company leadership has skin in the game with net positive insider conviction.. Primary risk factors monitored: Sensitive to high interest rates and tighter Federal Reserve market liquidity.. Institutional options positioning shows a 50% call / 50% put premium split.

Where is BKU trading relative to its 50-day, 200-day, and 52-week technical levels?

BKU last traded at $44.04 (+2.42% on volume of 816,410 shares), positioning the stock +0.66% above its 50-day simple moving average ($43.75) and -4.84% below its 200-day simple moving average ($46.28). Across its 52-week range of $38.01 to $52.11, BKU sits at the 42.8% percentile with a 14-day RSI of 49.3 (NEUTRAL RANGE) and an implied next-earnings move of ±4.6% ($42.01 to $46.07).

Direct Sub-Reports: BKU RQD Cockpit BKU 12M Forecast BKU Earnings & Move BKU Dividends & DRIP BKU Insiders & 13F BKU Whale Options BKU Profit Sankey BKU News & Why
ROARABLE RATING BRIEF • RQD 54/100 (D+) ✓ SEC XBRL & RQD VERIFIED

BKU — BankUnited Inc.: What the Facts Mean to a Prospective Investor

Methodology: RQD v6.2 Deterministic 5-Pillar & SEC XBRL Audit
Updated: 2025-12-31

1. Roarable Rating Brief: What This Means to a Prospective Investor

BankUnited Inc. (BKU) earns a live Roarable RQD composite score of 54/100, corresponding to a D+ letter grade (Roarable Sell) at a spot price of $44.04 (+2.42% 1D, market capitalization $3.06B).

  • Fundamental Cash Engine (10/20): Anchored by return on invested capital (ROIC) of 8.8%, gross margin of —, operating margin of —, and free cash flow yield of 11.60%.
  • Whale 13F & Options Flow (8/20) + Insider Conviction (13/20): Tracks institutional 13F accumulation, CBOE options call/put positioning, and SEC Form 4 / Congressional PTR filings.
  • Macro Regime Fit (7/20) + Forensic Balance Sheet (16/20): Incorporates a 1.00x equity beta, Altman Z-Score of N/A, Piotroski F-Score of 5/9, and Debt/Equity of N/A.

2. Business Model, Unit Margins & SEC Financial Trajectory

BankUnited Inc. (BKU) is a NYSE-listed issuer classified under the Financials sector and the Savings Institutions industry. Revenue is reported as — across all periods in the SEC financials, so the revenue model cannot be characterized from the provided data.

In its latest audited SEC EDGAR 10-K filing for FY2025 (filed 2025-12-31), BankUnited Inc. (BKU) reported $14.72B in annual revenue (up from $14.80B in FY2024, -0.6% YoY) and $268.4M in GAAP net income. Over the multi-year SEC filing window from FY2023 ($2.50B revenue, $178.7M net income) through FY2025, BKU scaled operating cash flow to $358.6M and free cash flow to $358.6M, backed by $35.04B in total assets against $0 in total debt.

3. Institutional Bull vs. Bear Thesis & Valuation Tradeoff

  • 🐂 Primary Bull Case (D+ • RQD 54/100): Company leadership has skin in the game with net positive insider conviction. Free cash flow yield of 11.60% and institutional whale pillar of 8/20. With Fundamental Cash Engine at 10/20 and Institutional Whale Flow at 8/20, sustained execution supports upside toward the upper end of the $38.01 – $52.11 52-week range.
  • 🐻 Primary Bear Case & Valuation Risk: Sensitive to high interest rates and tighter Federal Reserve market liquidity. Investors must weigh 11.5x trailing P/E against — operating margins and a 1.00x macro beta.

4. 2nd-Order Butterfly Ripples & Key Questions to Watch

There are no upstream or downstream links and no sector-correlation edges provided. Investors should note that the graph does not identify 2nd-order bottlenecks, so no supply-chain ripple effects can be drawn from the source data.

  • Key Question #1: Can BKU sustain or expand its — operating margin and 8.8% ROIC against Savings Institutions peers over the next 4 quarters?
  • Key Question #2: Following FY2025 revenue of $14.72B and free cash flow of $358.6M, how will capital allocation balance growth reinvestment against $0 in total debt?
  • Key Question #3: How sensitive is BKU's 10.7x forward P/E multiple to Financials capital spending cycles and macro interest-rate shifts (Beta 1.00x)?

BKU Live News Feed, Press Releases & Catalyst Wire

Real-time company headlines, analyst actions, and sector developments for BankUnited Inc. (BKU) • Click "Debate This Headline" to argue it in the Roar Pit below

💬 Jump to BKU Debate Forum (3) ↓
🔥 THE ROAR PIT • LIVE COMMUNITY DEBATE 3 Active Posts & Replies

BKU Bull vs. Bear Conversation Board — What's Your Call at $44.04?

🐂 67% BULLISH CONVICTION COMMUNITY TUG-OF-WAR ON BKU 🐻 33% BEARISH CONVICTION
1. Pick Your Side on BKU:
💡 Tip: Back up your call with a price target or RQD metric to get upvoted to the top.
AL AlphaFlow_Cap RQD DEBATE OPENER • Verified $100K Arena Trader 🐂 BULLISH 🎯 Target: $51.17 (+19.0%)
📌 Pinned Debate

Free cash flow yield of 11.6% alongside a 10.7x forward P/E and 2.97% dividend yield offers a valuation cushion if cash generation hold

Don't sleep on BKU's setup in Financials. Free cash flow yield of 11.6% alongside a 10.7x forward P/E and 2.97% dividend yield offers a valuation cushion if cash generation holds.. Beta of 1.0 means it moves fast when momentum turns, and the 5-pillar RQD gauge (54/100) backs up the fundamental quality.

ArenaChamp_24 🐂 BULL

@ShortSeller_Dan Fair point on 11.5x trailing P/E, but you're ignoring the forward operating leverage in Savings Institutions. If gross margin (0.0%) holds, EPS grows into the multiple faster than bears think.

SH ShortSeller_Dan RQD DEBATE OPENER • Forensic Short Bias 🐻 BEARISH 🎯 Target: $36.55 (-15.0%)
Spot @ $43.00

Two RED Risk Watch items report Q3 2026 results missed revenue and EPS estimates, while free cash flow fell from $657.5M to $358.6M acr

Here is the bear case nobody on the bull side wants to address on BKU: Two RED Risk Watch items report Q3 2026 results missed revenue and EPS estimates, while free cash flow fell from $657.5M to $358.6M across FY 2023–FY 2025.. At 11.5x trailing P/E, even a small guidance miss in Savings Institutions triggers a 12-15% air pocket.

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