BKU
BankUnited, Inc. Financial Services - Banks - Regional Investor Relations →
BankUnited, Inc. (BKU) closed at $46.65 as of 2026-07-31, trading 42.7% above its 200-week moving average of $32.69. The stock moved further from the line this week, up from 42.5% last week. The 14-week RSI sits at 54, indicating neutral momentum.
Trading volume is running at 1.2x of its 14-week average, which is in the normal range. The balance between buying and selling volume (0.72 ratio) is neutral — neither side is clearly dominating.
Over the past 761 weeks of data, BKU has crossed below its 200-week moving average 14 times. On average, these episodes lasted 14 weeks. Historically, investors who bought BKU at the start of these episodes saw an average one-year return of +9.6%.
With a market cap of $3.4 billion, BKU is a mid-cap stock. Return on equity stands at 9.2%. The stock trades at 1.1x book value.
Over the past 14.6 years, a hypothetical investment of $100 in BKU would have grown to $301, compared to $732 for the S&P 500. BKU has returned 7.8% annualized vs 14.6% for the index, underperforming the broader market over this period.
Free cash flow has been declining at a -34.8% compound annual rate. A deteriorating cash flow trend warrants extra scrutiny — the stock may be cheap for a reason.
Business Health
Annual financials — how the underlying business has performed over the past several years.
Cash Flow Free cash flow & net income ($M)
Revenue Annual revenue ($M) — business growth proxy
Total Debt Balance sheet debt ($M)
ROIC Return on invested capital (%)
FCF Yield Free cash flow / market cap (%) — Yartseva signal
Gross Margin Pricing power & competitive moat (%)
Shares Outstanding Buybacks vs dilution (millions)
Growth of $100: BKU vs S&P 500
Monthly data normalized to $100 at start. Vertical dashed lines mark 200-week MA touches.
What Happens After BKU Crosses Below the Line?
Across 14 historical episodes, buying BKU when it crossed below its 200-week moving average produced an average return of +11.9% after 12 months (median +9.0%), compared to +17.9% for the S&P 500 over the same periods. 79% of those episodes were profitable after one year. After 24 months, the average return was +34.2% vs +42.2% for the index.
Each line shows $100 invested at the moment BKU crossed below its 200-week MA. Bold blue = stock average. Gray dashed = S&P 500 average over same periods.
Bean Score Experimental
The Bean Score measures how far a stock's free cash flow yield has deviated from its own quarterly baseline, normalized by the stock's historical behavior. Between earnings dates, FCF is constant — so the score is purely a function of stock price. The levels below show at what prices BKU would reach each dislocation threshold.
Dislocation Price Levels
Prices where BKU's Bean Score would hit each σ threshold. Valid until next earnings report (date TBD — last report: 2026-03-31).
| Level | σ | Price | Signal |
|---|---|---|---|
| Deep Value | +2σ | $43.72 | Unusually cheap — potential buy zone |
| Value | +1σ | $45.41 | Cheap vs. own history |
| Fair Value | +0σ | $47.23 | Historical mean behavior |
| Expensive | -1σ | $49.20 | Expensive vs. own history |
| Deep Expensive | -2σ | $51.34 | Unusually expensive — potential trim zone |
Quarterly FCF & Yield Trailing twelve-month free cash flow and yield at each quarter end
Signal Accuracy Collecting Data
The Bean Score system is accumulating weekly data to validate signal accuracy. After 13+ weeks of history, this section will display win rates and average returns for each σ threshold crossing — answering the question: "When this score says cheap or expensive, does the price subsequently move in the expected direction?"
Theoretical framework — not backtested or forward-tested. The Bean Score uses trailing twelve-month free cash flow yield as a dislocation identifier. It measures whether the market has pushed a stock's yield unusually far from its own baseline behavior. These levels are reference points for identifying potential swing trade opportunities, not buy/sell signals. FCF values update quarterly with earnings; between reports, all movement is price-driven.
Dislocation Scores Experimental
Each score measures deviation from BKU's own historical baseline — the same idea as the Bean Score, applied to different fundamentals. Positive means cheaper or more dislocated than this stock's norm. Scores marked σ are normalized by the stock's own variability; pp values are simple deltas from its recent baseline.
Theoretical framework — not backtested. These scores describe how unusual today's readings are for this specific company. They are starting points for research, not buy or sell signals. Annual-statement scores (buyback, accruals, FCF vs history) rest on only ~4 yearly data points and are deltas, not sigmas.
Historical Touches
BKU has crossed below its 200-week MA 14 times with an average 1-year return of +9.6% after recovery.
| Crossed Below | Recovered | Weeks | Max Depth | 1-Year Return | Return Since Touch |
|---|---|---|---|---|---|
| Jan 2012 | Mar 2012 | 10 | 7.9% | +12.6% | +209.0% |
| Apr 2012 | Jul 2012 | 16 | 7.1% | +10.7% | +197.6% |
| Oct 2012 | Dec 2012 | 8 | 5.0% | +39.8% | +196.4% |
| Aug 2016 | Aug 2016 | 1 | 0.7% | +14.8% | +112.3% |
| Sep 2016 | Nov 2016 | 6 | 5.6% | +20.8% | +108.6% |
| Sep 2017 | Sep 2017 | 1 | 2.7% | +27.0% | +97.6% |
| Oct 2018 | Jan 2019 | 16 | 16.4% | +1.5% | +78.7% |
| Mar 2019 | Apr 2019 | 2 | 6.1% | -41.1% | +84.6% |
| May 2019 | Oct 2019 | 21 | 9.0% | -51.8% | +74.0% |
| Jan 2020 | Dec 2020 | 45 | 57.5% | +9.2% | +75.5% |
| Dec 2022 | Dec 2022 | 1 | 2.9% | +5.6% | +64.2% |
| Mar 2023 | Dec 2023 | 40 | 49.8% | -1.6% | +81.1% |
| Jan 2024 | Jul 2024 | 26 | 19.1% | +28.2% | +70.0% |
| Mar 2025 | Apr 2025 | 3 | 7.0% | +58.1% | +64.2% |
| Average | 14 | — | +9.6% | — |
Frequently Asked Questions
Is BKU below its 200-week moving average?
No. BankUnited, Inc. (BKU) is currently 42.7% above its 200-week moving average of $32.69. It would need to fall to $32.69 to cross below the line.
What is BKU's 200-week moving average price?
BankUnited, Inc.'s 200-week moving average is $32.69 as of 2026-07-31. This is the average weekly closing price over roughly the last 4 years, and it acts as a long-term trend line. When a stock drops below this level, it can signal that the price has fallen far enough from the long-term trend to attract value-oriented investors.
What happens when BKU drops below its 200-week moving average?
BKU has crossed below its 200-week moving average 14 times in our data. On average, buying at that moment produced a one-year return of +9.6%. These dips have historically been decent entry points. These episodes lasted 14 weeks on average.
Is BKU a good value right now?
Here's what our data says about BKU as of 2026-07-31: The stock is above its 200-week moving average, so it doesn't currently meet our primary signal. The 14-week RSI is 54. Return on equity is 9.2%. Price-to-book is 1.1x. This is not a buy or sell recommendation — always do your own research.
How does BKU compare to the S&P 500?
Over the past 14.6 years, $100 invested in BKU would have grown to $301, compared to $732 for the S&P 500. That's 7.8% annualized vs 14.6% for the index. BKU has underperformed the broader market over this period.
Does BKU pay a dividend?
Yes. BankUnited, Inc. currently pays a dividend yield of 286.00%.
Not financial advice. This is an educational tool. Past performance does not guarantee future results. Do your own research before making investment decisions.
Data as of week of 2026-07-31