NYSE$BKU

BankUnited Inc. · Q3 2025 earnings

Q3 2025 earnings · · Before market open · Investor relations

Briefing

BankUnited reported Q3 2025, revenue of $198M, net income of $52M, diluted EPS of $0.95.

For Q3 2025, BankUnited reported revenue of $198M, net income of $52M, diluted EPS was $0.95. The filing discusses segment trends, liquidity, and management outlook for upcoming periods.

  • Revenue $198M.
  • Net income $52M.
  • Diluted EPS $0.95.

Headline financials

Total Revenue

$276M

Previous: $257M+7.3%
EPS (adj)

$0.95

Previous: $0.81+17.3%
Net Interest Margin

3.0%

Previous: 2.8%+7.9%
Cost of Total Deposits

2.4%

No prior period
NPL to Total Loans

1.6%

No prior period
Tier 1 Leverage

9.0%

No prior period
CET1 Ratio

12.5%

No prior period
Total Capital Ratio

14.4%

No prior period
NIB Deposits to Total

30.0%

No prior period
Loan-to-Deposit Ratio

82.8%

Previous: 87.6%-5.5%
NPA Ratio

1.1%

No prior period
Net Charge-Off Ratio

0.3%

No prior period
ACL to Total Loans

0.9%

No prior period
ACL to NPL

58.0%

No prior period
TCE to Tangible Assets

8.4%

Previous: 7.6%+10.5%
Book Value/Share

$40.30

No prior period
Tangible BV/Share

$39.27

No prior period
ROA

0.8%

No prior period
ROE

9.5%

No prior period
Net Income

$71.9M

Previous: $61.5M+16.9%
Operating Income

$97.9M

Previous: -$42M+333.0%

Revenue & EPS history

BankUnited · Revenue · Quarterly

$276M

Q3 2025+7.3%vs Q3 2024
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

The release discusses BankUnited's outlook, capital allocation, and key risks for upcoming quarters, including guidance ranges or operating priorities where disclosed.

Tailwinds

  • BankUnited cites demand and execution supporting the near-term outlook.
  • Liquidity and balance-sheet capacity support operations and shareholder returns.

Headwinds

  • Macro, input costs, and FX may pressure margins quarter to quarter.
  • Segment mix and one-time items can affect comparability versus prior periods.

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 Q3 2025

Historical avgQ3 2025

+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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