NYSE$BKU

BankUnited Inc. · Q2 2022 earnings

Q2 2022 earnings · · Investor relations

Briefing

Reported strong loan growth and margin expansion, highlighted by the opening of a Dallas branch and Atlanta wholesale banking office.

BankUnited reported a net income of $65.8 million, or $0.82 per diluted share, for the quarter ended June 30, 2022. The company experienced strong loan growth, particularly in commercial segments, and an expansion of the net interest margin. They also opened new locations in Dallas and Atlanta.

  • Total loans, excluding PPP loans, grew by $780 million, with $553 million in commercial segments.
  • Average non-interest bearing demand deposits increased by $371 million for the quarter.
  • Net interest margin expanded to 2.63%, with net interest income increasing by $16.8 million compared to the previous quarter.
  • The company repurchased approximately 6.1 million shares of its common stock for $243.6 million.

Headline financials

Total Revenue

$239M

Previous: $231M+3.4%
EPS (adj)

$0.82

Previous: $1.11-26.1%
Net Interest Margin

2.6%

Previous: 2.4%+11.0%
NPL to Total Loans

0.6%

No prior period
ACL to Total Loans

0.5%

Previous: 0.8%-29.9%
Book Value/Share

$32.15

No prior period
Tangible BV/Share

$31.16

No prior period
Free Cash Flow

$65.8M

Previous: $104M-36.7%
Net Income

$65.8M

Previous: $104M-36.7%
Operating Income

$131M

Previous: $137M-4.6%
Gross Profit

$215M

Previous: $204M+5.5%
Cash & Equivalents

$514M

Previous: $895M-42.6%
Total Assets

$36.6B

Previous: $35.7B+2.4%
Stock-Based Comp

$7.75M

Previous: $4.75M+63.3%

Revenue & EPS history

BankUnited · Revenue · Quarterly

$239M

Q2 2022+3.4%vs Q2 2021
Beat estimate in 8 of 16 quarters(50%)
ActualEstimate

Revenue by segment

BankUnited · $12.6B total across 5 segments · Q2 2022

  • Commercial & Industrial
    $5.42B
  • Non-owner CRE
    $4.28B
  • Owner-occupied CRE
    $1.91B
  • Mortgage Warehouse
    $817M
  • Construction & Land
    $214M

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 2022

Historical avgQ2 2022

+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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