Quarterly Period Covered: Second quarter of 2026 (Q2 2026), covering the six-month period ended June 30, 2026, with comparative data from the same periods in 2025 Company Information: BankUnited, Inc., a federally chartered savings institution headquartered in Miami Lakes, Florida, filing with the SEC under accession number 0001504008-26-000079 Financial Statements Included: Consolidated balance…

Our analysis rates this filing BEARISH. BankUnited faces a HIGH concern environment (7.2/10) driven by multiple material risk factors converging in an adverse operating environment. The bank operates a substantial Commercial Real Estate portfolio during a period of documented CRE market stress in…

Concern level: HIGH (7.2/10). Key factors: Three new high-severity risks identified with average severity of 7.3/10, including Commercial Real Estate Portfolio Deterioration (severity 8) and Interest Rate Risk (severity 7); Overall risk trend is INCREASING with risk score of 7.1, indicating deteriorating conditions; Commercial Real Estate exposure is material and concentrated across multiple…

Notable risk changes: Commercial Real Estate Portfolio Stress: Bank maintains substantial CRE exposure across multiple segments (non-owner occupied, owner-occupied, construction/land) during period of significant CRE market stress in 2026, creating material credit risk and potential for rapid deterioration in asset quality; Interest Rate and Margin Pressures: Significant derivative positions and interest rate…

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The model predicts BKU will outperform the S&P 500 by about 0.0% over 30 days (model confidence 65%). This is model analysis for research, not investment advice.