4Q 2025 - Financial Results This presentation contains forward-looking statements within the meaning of the Private Securities Litigation Reform Act of 1995 that reflect the current views of BankUnited, Inc. ("BankUnited," "BKU" or the "Company") with respect to, among other things, future events and financial performance, dividend payments and stock repurchases. The Company generally identifies forward-looking statements by terminology such as "outlook," "believes," "expects," "potential," "continues," "ma ...

Financial Performance - 4Q 2025 net income was $69.3 million, with diluted EPS of $0.90, reflecting a 6 basis point NIM expansion[1] - Full year 2025 net income reached $268.4 million, a 15% increase from 2024, with EPS of $3.53 compared to $3.08 in 2024[7] - Net income for Q4 2025 was $69.3 million, compared to $71.9 million in Q3 2025 and $69.3 million in Q4 2024[32] - Basic earnings per common share for the three months ended December 31, 2025, was $0.91, down from $0.96 in the previous quarter and $0.92 a year ago[39] - Adjusted net income for the three months ended December 31, 2025, was $72,050,000, reflecting a write-down on capitalized software of $3,770,000[49] Loan and Deposit Growth - Non-interest bearing deposits grew by $485 million in Q4 and $1.5 billion for the year, representing a 20% increase[12] - Total loans increased by $571 million in Q4, with core loans growing by $769 million[12] - Total deposits increased to $29.4 billion as of December 31, 2025, from $28.6 billion as of September 30, 2025[30] - Non-interest bearing demand deposits totaled $8,083,605 thousand, reflecting a stable funding base[36] Interest Income and Margin - Total interest income for Q4 2025 was $442.4 million, down from $452.9 million in Q3 2025 and $468.0 million in Q4 2024[32] - Net interest margin for Q4 was 3.06%, up 0.06% from the prior quarter and 0.22% from 4Q 2024[7] - The interest rate spread for the three months ended December 31, 2025, was 1.95%, compared to 1.86% for the previous quarter[34] - The company reported an interest rate margin of 2.95% for the year ended December 31, 2025, compared to 2.73% in 2024[36] Expenses and Provisions - Non-interest expense for Q4 2025 totaled $172.8 million, an increase of 4.0% from $166.2 million in Q3 2025 and 7.5% from $160.5 million in Q4 2024[22] - For the year ended December 31, 2025, non-interest expense was $663.5 million, up from $642.0 million in 2024, reflecting investments in employee compensation and benefits[22] - Provision for credit losses was $25.6 million for Q4, driven by increased specific reserves related to two C&I loans[17] Equity and Capital - The tangible common equity ratio improved to 8.5%, with tangible book value per share at $40.14, reflecting a 10% year-over-year growth[14] - Total stockholders' equity increased to $3,053,829,000 as of December 31, 2025, from $2,814,318,000 a year ago[49] - Tangible book value per common share was $40.14 as of December 31, 2025, compared to $39.27 in the previous quarter and $36.61 a year ago[41] Interest Rates and Yields - The average cost of deposits declined by 0.20% to 2.18%, with spot APY falling to 2.10% from 2.31% in the prior quarter[12] - The average rate paid on interest-bearing deposits decreased to 3.15% in Q4 2025 from 3.40% in Q3 2025, influenced by a lower Federal funds rate[23] - The tax-equivalent yield on loans decreased to 5.37% in Q4 2025 from 5.53% in Q3 2025, reflecting declining market rates[23] Asset and Liability Management - Total assets as of December 31, 2025, were $35.0 billion, slightly down from $35.1 billion as of September 30, 2025[26] - Total liabilities reached $32,091,072 thousand, with interest-bearing liabilities at $22,460,094 thousand and a total stockholders' equity of $3,094,687 thousand[34] - Loans averaged $23,697,215 thousand with an interest yield of 5.37%, while investment securities averaged $9,583,958 thousand with a yield of 4.93%[34] Performance Ratios - Return on average assets for the three months ended December 31, 2025, was 0.78%, consistent with the previous quarter and up from 0.66% a year ago[41] - Return on average stockholders' equity for the three months ended December 31, 2025, was 8.9%, down from 9.5% in the previous quarter and up from 8.5% a year ago[41] - Non-performing loans to total loans ratio was 1.54% as of December 31, 2025, down from 1.60% in the previous quarter and up from 1.03% a year ago[41]

MIAMI LAKES, Fla.--(BUSINESS WIRE)--BankUnited, Inc. (the "Company†) (NYSE: BKU) today announced financial results for the quarter and year ended December 31, 2025. "We are pleased to report strong fourth quarter earnings, concluding an outstanding year for BankUnited. We continue to execute our organic growth strategy which has resulted in strong performance in NIM, ROA, ROE and EPS. In recognition of this strong performance, we are announcing an additional stock buyback authorization of $200. ...

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BankUnited, Inc. (NYSE:BKU) is included among the 13 Best January Dividend Stocks to Invest in. Wells Fargo Lifts BankUnited (BKU) Target Ahead of Expected 2026 Earnings Recovery On January 5, Wells Fargo raised its price target on BankUnited, Inc. (NYSE:BKU) to $50 from $42 and kept an Overweight rating on the shares. The firm said regional banks are positioned to narrow their valuation gap with the largest banks in 2026. Q2 is seen as the next likely earnings catalyst. In the meantime, Wells expects a ...

Company Overview - BankUnited is a regional banking institution with a significant presence in Florida and the New York metropolitan area, focusing on commercial banking and technology-enabled services to drive stable earnings and maintain a competitive position among regional banks [5][8] - The bank offers a comprehensive suite of deposit products, commercial and consumer loans, and treasury management services, primarily serving commercial businesses, small and medium-sized enterprises, and individual consumers [8] Financial Performance - For the latest quarter, BankUnited reported a net income of $71.9 million, or $0.95 per share, with a net interest margin of 3.00%, up from 2.93% in the prior quarter [6] - Year-to-date earnings reached $199.1 million, reflecting a 22% increase year over year, despite flat deposits and easing funding costs [6] - The bank's revenue for the trailing twelve months (TTM) is $1.07 billion, with a net income of $268.40 million and a dividend yield of 3% [4] Investment Activity - HoldCo Asset Management disclosed a new stake in BankUnited, purchasing 936,900 shares valued at approximately $35.75 million, which represents 3.77% of its $947.56 million in reportable U.S. equity assets [2][3] - As of the latest filing, BankUnited shares were priced at $44.57, reflecting a 17% increase over the past year, slightly outperforming the S&P 500's 16% gain during the same period [3] Capital Strength - BankUnited ended the quarter with a Common Equity Tier 1 (CET1) ratio of 12.5%, and its tangible book value increased by 8% year over year to $39.27 per share, indicating strong capital strength [9]

Core Viewpoint - BankUnited, Inc. will release its financial results for the quarter and fiscal year ended December 31, 2025, on January 21, 2026, before market opening [1] Financial Results Announcement - The financial results will be disclosed in a news release [1] - A conference call to discuss the quarterly results will take place at 9:00 a.m. ET on the same day [1] - Key executives participating in the call include Chairman, President and CEO Rajinder P. Singh, CFO James G. Mackey, and COO Thomas M. [1]

Group 1 - The article does not provide any relevant content regarding the company or industry [1]

Core Viewpoint - BankUnited Inc. (BKU) shares have reached a 52-week high, driven by optimism over potential interest rate cuts and strong performance compared to industry peers and broader market indices [2][9]. Performance Summary - BKU stock has gained 30.8% over the last six months, outperforming the industry growth of 17.6% and the S&P 500 Index's increase of 17% [2]. - In comparison, Fifth Third Bancorp (FITB) and Hancock Whitney Corporation (HWC) saw gains of 13.7% and 13.8%, respectively, during the same period [3]. Growth Drivers - **Organic Growth**: BankUnited has experienced top-line growth supported by strong loans and deposit balances, with a compound annual growth rate (CAGR) of 2.4% in revenues over the five years ending in 2024 [6]. - **Deposit Strategy**: As of September 30, 2025, non-interest-bearing demand deposits made up 30.1% of total deposits, with management projecting mid-single-digit growth in total deposits for 2025 and double-digit growth in non-interest-bearing demand deposits [7][10]. - **Revenue Estimates**: The Zacks Consensus Estimate for BKU's revenues in 2025 and 2026 is $1.08 billion and $1.13 billion, indicating year-over-year growth rates of 6.9% and 4.7%, respectively [10]. - **Net Interest Margin (NIM)**: NIM has improved, rising to 2.73% in 2024 from 2.56% in 2023, with expectations to reach approximately 3% in 2025 [11][12]. - **Capital Distribution**: BankUnited has been increasing its dividend payouts annually since 2022 and has a share repurchase program authorized for up to $100 million [13][14]. Challenges - **Expense Growth**: The company's expenses have seen a CAGR of 5.7% from 2019 to 2024, driven by higher employee compensation and technology costs, with expectations for continued elevated costs in 2025 [15][16]. - **Asset Quality**: BankUnited's asset quality has deteriorated, with a CAGR of 44% in provisions over the past five years, although provisions and net charge-offs have declined in the first nine months of 2025 [19]. Market Outlook - BankUnited is positioned for continued top-line growth due to improving deposit mix and loan demand, with NIM expected to benefit from solid loan growth and stabilizing funding costs [20]. - Analysts have mixed views on BKU's earnings growth prospects, with the 2025 earnings estimate revised upward, while the 2026 estimate has been revised downward [21][22].

Core Viewpoint - BankUnited, Inc. reported strong Q3 earnings, surpassing estimates, but faced challenges with rising expenses and declining loan and deposit balances [3][4][5]. Financial Performance - Q3 2025 earnings were 95 cents per share, exceeding the Zacks Consensus Estimate of 84 cents and up from 81 cents in the prior year [3]. - Net income reached $71.9 million, a 16.9% increase year-over-year, compared to an estimate of $60.1 million [4]. - Quarterly net revenues were $275.7 million, a 7.3% increase year-over-year, but fell short of the Zacks Consensus Estimate of $279.8 million [5]. - Net interest income (NII) was $250.1 million, up 6.8%, with a net interest margin (NIM) expanding by 22 basis points to 3% [5]. - Non-interest income rose to $25.6 million, an 11.7% increase, primarily driven by higher deposit service charges and fees [6]. Expense and Asset Management - Non-interest expenses increased by 1% to $166.2 million, attributed to higher employee compensation and technology costs [7]. - Total loans decreased by 1% to $23.7 billion, while total deposits slightly declined to $28.6 billion [8]. Credit Quality - Provisions for credit losses were $11.6 million, a 25.2% increase from the prior year, with net charge-offs to average loans at 0.26%, up 10 basis points year-over-year [9]. Capital and Profitability Ratios - Common Equity Tier 1 risk-based capital ratio improved to 12.5%, up from 11.8%, and the total risk-based capital ratio increased to 14.4% from 13.9% [10]. - Return on average assets rose to 0.82% from 0.62%, and return on average stockholders' equity increased to 9.5% from 8.1% [10]. Future Outlook - Management projects mid-single-digit growth in total deposits and double-digit growth in non-interest-bearing demand deposits [12]. - NII growth is expected to be slightly better than mid-to-high single digits, with NIM anticipated to remain around 3% [12]. - Loan balances are expected to stabilize, with commercial and industrial loans projected to rise in the mid-single-digit range [13]. Industry Context - BankUnited is part of the Zacks Banks - Major Regional industry, with Truist Financial Corporation, a peer, reporting a 2% year-over-year revenue increase and a 19.8% expected earnings growth for the current quarter [17][18].