NYSE$BKU

BankUnited Inc. · Q2 2024 earnings

Q2 2024 earnings · · Investor relations

Briefing

Reported an outstanding quarter with margin expansion, deposit cost decline, non-interest bearing deposit growth, and core commercial loan portfolio growth.

BankUnited reported a strong second quarter in 2024, with net income of $53.7 million, or $0.72 per diluted share. The net interest margin expanded, the cost of deposits declined, non-interest bearing deposits grew, and the core commercial loan portfolio segments experienced good growth.

  • Net interest margin expanded by 0.15% to 2.72%.
  • Average cost of total deposits declined by 0.09% to 3.09%.
  • Non-brokered deposits grew by $1.3 billion and total deposits grew by $736 million.
  • Total loans grew by $402 million, with core C&I and commercial real estate portfolios growing by $589 million.

Headline financials

Total Revenue

$250M

Previous: $239M+4.5%
EPS

$0.72

Previous: $0.78-7.7%
Net Interest Margin

2.7%

Previous: 2.5%+10.1%
Book Value/Share

$36.11

No prior period
Tangible BV/Share

$35.07

No prior period
ROA

0.6%

No prior period
ROE

8.0%

No prior period
Free Cash Flow

$53.7M

Previous: $58M-7.4%
Net Income

$53.7M

Previous: $58M-7.4%
Operating Income

-$57.3M

Previous: -$65.3M+12.2%
Gross Profit

$231M

Previous: $224M+3.0%
Stock-Based Comp

$4.7M

Previous: $4.87M-3.5%

Revenue & EPS history

BankUnited · Revenue · Quarterly

$250M

Q2 2024+4.5%vs Q2 2023
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 2024

Historical avgQ2 2024

+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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