NYSE$BKU

BankUnited Inc. · Q2 2023 earnings

Q2 2023 earnings · · Investor relations

Briefing

Reported net income of $58.0 million and total deposits grew by $116 million.

BankUnited reported a net income of $58.0 million for the quarter ended June 30, 2023. Total deposits grew by $116 million during the quarter, while the company focused on executing its long-term strategy of building a relationship-oriented bank amid receding capital market volatility and a resilient economy.

  • Total deposits grew by $116 million during the quarter ended June 30, 2023.
  • Available liquidity improved to $14.7 billion at June 30, 2023, with the available liquidity to uninsured, uncollateralized deposits ratio improving to 167%.
  • Outstanding FHLB advances were down $1.6 billion quarter-over-quarter, reflecting a reduction in wholesale funding.
  • The NPA ratio at June 30, 2023 was 0.34%.

Headline financials

Total Revenue

$239M

Previous: $239M+0.2%
EPS (adj)

$0.78

Previous: $0.82-4.9%
Net Interest Margin

2.5%

Previous: 2.6%-6.1%
NPL to Total Loans

0.5%

Previous: 0.6%-20.0%
NPA Ratio

0.3%

No prior period
ACL to Total Loans

0.7%

Previous: 0.5%+25.9%
Free Cash Flow

$58M

Previous: $65.8M-11.8%
Net Income

$58M

Previous: $65.8M-11.8%
Operating Income

-$65.3M

Previous: $131M-150.0%
Gross Profit

$224M

Previous: $215M+4.2%
Cash & Equivalents

$301M

Previous: $514M-41.4%
Total Assets

$35.9B

Previous: $36.6B-1.9%
Stock-Based Comp

$4.87M

Previous: $7.75M-37.2%

Revenue & EPS history

BankUnited · Revenue · Quarterly

$239M

Q2 2023+0.2%vs Q2 2022
Beat estimate in 6 of 15 quarters(40%)
ActualEstimate

Revenue by segment

BankUnited · $14.5B total across 5 segments · Q4 2022

  • Commercial & Industrial
    $6.41B
  • Non-owner CRE
    $5.41B
  • Owner-occupied CRE
    $1.89B
  • Mortgage Warehouse
    $525M
  • Construction & Land
    $294M

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 2023

Historical avgQ2 2023

+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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