)
Edge12 Dec 2025
Running on Clouds: The Story of On
The story of how a Swiss runner's pursuit of a new running sensation became On, aiming to be the most premium global sportswear brand worldwide.
BankUnited (BKU) investor relations material
BankUnited Q3 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q3 2025 earnings summary22 Oct, 2025
Executive summary
Net income for Q3 2025 was $71.9 million ($0.95 per diluted share), up from $61.5 million ($0.81) in Q3 2024 and $68.8 million ($0.91) in Q2 2025, with annualized ROA of 0.82% and ROE of 9.5%.
Net interest margin reached 3.00%, achieving the near-term target, and net interest income grew 7% year-over-year.
Tangible book value per share increased 8% year-over-year to $39.27.
Opened new commercial banking offices in Morristown, NJ and Charlotte, NC.
Optimism prevails for near-term business environment, with strong pipelines in commercial and real estate segments.
Financial highlights
Net interest income for Q3 2025 was $250.1 million, up from $246.1 million in Q2 2025 and $234.1 million in Q3 2024.
Provision for credit losses was $11.6 million, down from $15.7 million in Q2 2025 but up from $9.2 million in Q3 2024; ACL to total loans was 0.93%.
Non-interest income totaled $25.6 million, and non-interest expense was $166.2 million for the quarter.
Loans to deposits ratio was 82.8% at quarter-end, down from 83.6% in Q2 2025.
Book value and tangible book value per share increased to $40.30 and $39.27, respectively, at September 30, 2025, up 8% year-over-year.
Outlook and guidance
Management continues to focus on balance sheet transformation, improving funding profile and asset mix, and expects further declines in non-core portfolios.
Margin expected to remain flat in Q4; double-digit NIDDA growth for the year is on track.
Total loans likely flat year-over-year; core C&I loans expected to show low single-digit growth.
Securities portfolio anticipated to decline in Q4 but remain up slightly year-over-year.
Guidance assumes two rate cuts in 2025.
FHLB hedge expiration impact on future NIM?
Details on specific CRE office loan reserve?
Rationale for residential loan portfolio decline?
Describe key drivers of fee income growth
Discuss 2026 loan growth inflection point
Elaborate on capital deployment strategy
Detail core fee income growth drivers
What is the outlook for loan growth post-remixing?
Capital deployment strategy for 2026?
Partial view of Summaries dataset, powered by Quartr API
Research faster. Power your platform.
Next BankUnited earnings date
Q4 202521 Jan, 2026
Next BankUnited earnings date
Q4 202521 Jan, 2026
The essential earnings season companion
The #1 app for qualitative research. Live earnings calls, AI chat, transcripts, and more. All for free.
Live calls and transcripts
Listen to earnings calls, CMDs, investor conferences, and more – with a podcast-like experience.
Find what you need faster
Search for any keyword across all transcripts simultaneously.
Easily store key findings
Capturing important takeaways is as simple as it gets. Even during your lunch run or commute.
Your watchlist. Your dashboard.
Follow the companies that matter to you. Get a personalized feed with real-time updates.
Be the first to know
Set keyword alerts for any company, product, or competitor. Get notified the moment they're mentioned.
Consensus estimates
Access analyst consensus estimates, valuation multiples, and revenue segments splits.
All IR material in one place
The easiest way to stay updated during earnings season.
Global coverage
All events from public companies. Live and recorded.
Just click and listen
No webcast links. No manual registrations.
excellent app, it gives me free access to company earnings calls and annual reports. I also love the convenience of calls being available offline so I can listen in whilst doing other things and even when internet or WiFi isn't available.
)
Leroy DaleyApp Store
One of the very few apps you could call perfect. If something was to add to it, maybe the share price of the company when you search for it, but it's already excellent.
)
Eferix Drawings Google Play
This is genuinely one of the cleanest and fastest finance apps out there to track the market.
anuj283App Store
excellent app, it gives me free access to company earnings calls and annual reports. I also love the convenience of calls being available offline so I can listen in whilst doing other things and even when internet or WiFi isn't available.
Leroy DaleyApp Store
One of the very few apps you could call perfect. If something was to add to it, maybe the share price of the company when you search for it, but it's already excellent.
Eferix Drawings Google Play
This is genuinely one of the cleanest and fastest finance apps out there to track the market.
anuj283App Store
I can't remember the last time an app had such a positive impact on my investment process.
)
@ankurshah47_ x.com
Love the app! Quartr makes it really easy to keep track of earnings calls. It also includes the reports and slides to make it easier to follow along.
Amina0781App Store
Quartr is amazing, no way around it. It is the best right now for earnings calls, presentations, and the like.
@theshortbearx.com
I can't remember the last time an app had such a positive impact on my investment process.
@ankurshah47_ x.com
Love the app! Quartr makes it really easy to keep track of earnings calls. It also includes the reports and slides to make it easier to follow along.
Amina0781App Store
Quartr is amazing, no way around it. It is the best right now for earnings calls, presentations, and the like.
@theshortbearx.com
)
)
Frequently asked questions
BankUnited, Inc. operates as the bank holding company for BankUnited, a national banking association that provides a range of banking services in the United States. It accepts deposit products, such as checking accounts, NOW accounts, money market accounts, time deposits, and savings and individual retirement accounts; corporate deposits; certificates of deposit; domestic public funds deposits; and sweep-in accounts. The company’s loan products comprise residential real estate loans comprising first lien mortgage loans secured by residential properties located in one to four family dwellings, other than the borrower's primary residence; second lien home equity loans secured by the borrower’s primary residence and home equity lines of credit secured by the borrower’s primary residence; commercial real estate property loans secured by one to four family dwellings or multifamily residential buildings, as well as farm and ranch property loans secured by agricultural properties; construction real estate loans secured by a borrower's development project to fund construction costs expended on land acquisition and vertical construction; commercial business loans to fund short-term working capital or operating needs and long-term fixed asset purchases.
Quartr provides global coverage of all investor relation material from public companies.
Mobile app: Research anytime, anywhere with the #1 app for live earnings calls, transcripts, analyst estimates, and more. All for free.
Desktop (Quartr Pro): The leading platform for qualitative research, used daily by top firms and financial institutions.
Quartr API: Build custom solutions powered by live earnings calls, live transcripts, filings and reports, slide presentations, and more.
Yes, the Quartr mobile app is free on both iOS and Android.
Yes. Quartr provides global, industry-leading live coverage of company events such as regular earnings calls, capital markets days, M&A announcements, and investor conferences. Live with zero delays. Just click and listen.
Yes, capturing important takeaways is as simple as it gets. Even during your lunch run or commute.
Yes. Follow the companies that matter to you. Get a personalized feed with real-time updates, a tailored earnings calendar, and instant alerts when earnings calls go live.
Yes. Set keyword alerts for any company, product, or competitor. Get notified the moment they're mentioned, regardless of who's talking.
Explore our global coverage