NYSE$BKU

BankUnited Inc. · Q2 2020 earnings

Q2 2020 earnings · · Investor relations

Briefing

Reported strong financial performance amidst a challenging environment, delivering for customers, employees, and shareholders.

BankUnited reported a net income of $76.5 million, or $0.80 per diluted share, for the quarter ended June 30, 2020. The financial performance was strong despite the challenging environment, with pre-tax, pre-provision net revenue improving significantly.

  • Net income was $76.5 million, or $0.80 per diluted share.
  • Pre-tax, pre-provision net revenue improved by $37.3 million, or 44%, to $122.3 million.
  • Net interest margin increased to 2.39%.
  • Non-interest bearing demand deposits grew by $1.3 billion, or 28%.

Headline financials

Total Revenue

$229M

Previous: $226M+1.1%
EPS (adj)

$0.80

Previous: $0.81-1.2%
Net Interest Margin

2.4%

No prior period
Tier 1 Leverage

8.5%

No prior period
CET1 Ratio

12.2%

No prior period
Total Capital Ratio

14.3%

No prior period
ACL to Total Loans

1.1%

No prior period
ACL to NPL

130.3%

No prior period
ROA

0.9%

No prior period
ROE

11.6%

No prior period
Free Cash Flow

$76.5M

Previous: $81.5M-6.1%
Net Income

$76.5M

Previous: $81.5M-6.1%
Operating Income

$130M

Previous: $64.4M+101.2%
Gross Profit

$229M

Previous: $226M+1.1%
Cash & Equivalents

$402M

Previous: $443M-9.2%
Total Assets

$34.7B

Previous: $33.1B+5.0%
Stock-Based Comp

$3.71M

Previous: $4.78M-22.3%

Revenue & EPS history

BankUnited · Revenue · Quarterly

$229M

Q2 2020+1.1%vs Q2 2019
Beat estimate in 12 of 16 quarters(75%)
ActualEstimate

Revenue by segment

BankUnited · $13.1B total across 5 segments · Q2 2020

  • Non-owner CRE
    $4.94B
  • Commercial & Industrial
    $4.69B
  • Owner-occupied CRE
    $2.04B
  • Mortgage Warehouse
    $1.16B
  • Construction & Land
    $247M

Forward guidance

This press release contains forward-looking statements within the meaning of the Private Securities Litigation Reform Act of 1995 that reflect the Company’s current views with respect to, among other things, future events and financial performance.

Historical earnings impact

How earnings announcements have historically affected this stock's price.

Avg. return before/after earnings

Based on 20 quarterly earnings reports · overlaid with Q2 2020

Historical avgQ2 2020

+0.4%

Avg return

Earnings day

+0.5%

Avg return

5 days after

+3.7%

Avg return

30 days after

56%

36 / 64 earnings

Positive

+13.8%

Q2 2020

Best reaction

-7.3%

Q1 2022

Worst reaction

Earnings price reactions
QuarterReport dateReaction (Day 0)+5 days+30 days
Q1 2026+2.2%-0.4%-1.5%
Q4 2025+8.0%+2.4%+7.9%
Q3 2025+1.6%+5.8%+12.6%
Q2 2025+0.6%-2.2%+3.4%
Q1 2025-2.2%+0.5%+1.3%
Q4 2024-1.3%+1.5%-5.5%
Q3 2024-0.7%-1.5%+19.0%
Q2 2024+6.3%+9.8%+5.8%
Q1 2024+5.7%+12.1%+22.3%
Q4 2023-0.3%-6.1%-10.1%
Q3 2023-1.6%-1.8%+21.2%
Q2 2023+8.7%+8.3%-6.2%
Q1 2023+0.3%+4.8%-10.2%
Q4 2022+3.5%+2.8%+8.3%
Q3 2022-4.1%-1.9%+0.8%
Q2 2022+0.5%-0.9%+7.8%
Q1 2022-7.3%-12.1%-9.8%
Q4 2021-4.5%-0.3%-0.8%
Q3 2021-5.3%-5.2%-4.0%
Q2 2021-2.4%-1.0%+3.6%
Q1 2021+6.2%+7.4%+10.3%
Q4 2020-2.8%-7.2%+5.6%
Q3 2020-1.9%+1.7%+19.1%
Q2 2020+13.8%+11.1%+33.0%
Q1 2020-3.5%-11.4%-9.9%
Q4 2019-3.2%-4.0%-6.5%
Q3 2019+1.7%+3.2%+2.8%
Q2 2019+5.6%+5.8%-4.5%
Q1 2019+1.0%+2.2%-5.1%
Q4 2018+1.4%+2.8%+10.3%
Q3 2018+0.6%+5.5%+6.9%
Q2 2018-0.8%-1.7%+0.5%
Q1 2018+1.3%+0.4%+8.3%
Q4 2017-1.7%-3.1%-7.0%
Q3 2017-4.9%-6.0%+5.1%
Q2 2017+3.5%+2.0%-0.4%
Q1 2017+0.2%-2.2%-6.4%
Q4 2016+6.0%+6.9%+10.3%
Q3 2016+0.1%-0.8%+19.2%
Q2 2016-7.1%-6.9%-7.7%
Q1 2016-2.8%
Q4 2015+1.9%
Q3 2015-3.1%
Q2 2015-1.7%
Q1 2015-1.6%
Q4 2014+5.1%
Q3 2014-4.2%
Q2 2014-0.2%
Q1 2014-0.6%
Q4 2013+1.6%
Q3 2013-2.2%
Q2 2013+3.5%
Q1 2013+4.2%
Q4 2012+1.1%
Q3 2012+0.0%
Q2 2012+2.0%
Q1 2012+0.5%
Q4 2009+0.7%
Q4 2011+0.7%
Q4 2010+0.7%
Q1 2011+0.7%
Q3 2011-4.1%
Q3 2010-4.1%
Q2 2011+4.8%
Q2 2010
Q1 2010

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