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BankUnited
BankUnited (BKU) investor relations material
BankUnited Q4 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q4 2025 earnings summary21 Jan, 2026
Executive summary
Achieved double-digit EPS, earnings, and PP&R growth for the year, with margin expansion of 22 basis points year-over-year.
Reported 4Q 2025 net income of $69.3 million ($0.90 per share); adjusted EPS was $0.94, excluding a one-time software write-down.
Organic growth strategy and operational discipline led to improved profitability and capital returns, including a $0.02 dividend increase and $200 million additional share repurchase authorization.
Core loans grew by $769 million in Q4, with broad-based contributions across business lines.
Non-interest bearing deposits increased $485 million in Q4 and $1.5 billion for the year, reaching 31% of total deposits.
Financial highlights
Net interest income for Q4 was $258.2 million, up $19 million year-over-year and $8.1 million sequentially.
Net interest margin (NIM) expanded to 3.06%, up 22 bps year-over-year and 6 bps sequentially.
Pre-provision net revenue (PPNR) for Q4 was $115.4 million, up 5% sequentially and 11% year-over-year.
Annualized ROA was 0.78% (0.81% adjusted); ROE was 8.2% (8.9% adjusted).
Non-interest income for Q4 was $30.0 million, up from $25.6 million in the prior quarter.
Outlook and guidance
2026 guidance targets 6% core loan growth, 6% average deposit growth, 8% revenue growth, and 9% net interest income growth.
NIM expected to rise to 3.20% in 4Q26; expenses to increase 4%.
CET1 capital ratio projected at 11.6% for 2026, with up to $250 million in stock buybacks planned.
Provision for credit losses expected to be flat year-over-year; guidance assumes stable economic environment and two Fed rate cuts.
Management expects to maintain strong performance in NIM, ROA, ROE, and EPS.
Credit quality outlook given NPL rise and lower ACL coverage?
NIM expansion sustainability with declining loan yields?
Loan portfolio mix strategy and residential loan exits?
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Next BankUnited earnings date
Q1 202627 Apr, 2026
BankUnited
Next BankUnited earnings date
Q1 202627 Apr, 2026
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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.
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