Group 1 - The article does not provide any specific content or key points related to a company or industry [1]

Financial Performance - For Q3 2025, BankUnited reported net income of $71.9 million, or $0.95 per diluted share, representing a 4.5% increase in EPS from the previous quarter and a 17.5% increase year-over-year[3]. - Net income for the quarter ended September 30, 2025, was $71.9 million, an increase from $68.8 million in the previous quarter[23]. - Net income for the three months ended September 30, 2025, was $71.851 million, an increase from $68.766 million in the previous quarter and $61.452 million in the same quarter last year, representing a year-over-year growth of 16.9%[30]. - Basic earnings per common share for the three months ended September 30, 2025, was $0.96, up from $0.91 in the previous quarter and $0.82 in the same quarter last year, reflecting a year-over-year increase of 17.1%[30]. - The diluted earnings per common share for the three months ended September 30, 2025, was $0.95, compared to $0.91 in the previous quarter and $0.81 a year ago, marking a year-over-year increase of 17.3%[30]. Loan and Deposit Trends - Total loans decreased by $231 million in Q3 2025, with residential loans declining by $173 million, while the core commercial portfolio segments and mortgage warehouse grew by a combined $14 million[4]. - Non-interest bearing demand deposits declined by $488 million for the quarter, representing 30% of total deposits, but increased by $990 million compared to the same period last year[4]. - The loan to deposit ratio was 82.8% at September 30, 2025, compared to 83.6% at June 30, 2025[4]. - The company reported a loans to deposits ratio of 82.8% as of September 30, 2025, down from 83.6% in the previous quarter and 87.6% a year ago[32]. Interest Income and Margins - The net interest margin expanded by 0.07% to 3.00% for Q3 2025, with net interest income growing by $4.0 million quarter-over-quarter and by $16.0 million or 7% year-over-year[4]. - Net interest income before provision for credit losses increased to $250.1 million for the quarter ended September 30, 2025, compared to $246.1 million in the previous quarter[23]. - The yield on interest-earning assets remained flat at 5.38% quarter-over-quarter[17]. - The average yield on loans was 5.53% for the three months ended September 30, 2025, compared to 5.87% for the same period in 2024[25]. - Net interest margin improved to 3.00% for the three months ended September 30, 2025, up from 2.78% in the same period of 2024[25]. - The interest rate spread for the three months ended September 30, 2025, was 1.86%, compared to 1.55% in the same period of 2024[25]. Credit Quality - The annualized net charge-off ratio for the nine months ended September 30, 2025, was 0.26%, with total criticized and classified loans declining by $3 million[4]. - The ratio of the allowance for credit losses (ACL) to total loans was 0.93% at September 30, 2025, consistent with the prior quarter, while the ACL to non-performing loans ratio was 57.95%[8]. - The provision for credit losses was $11.6 million for Q3 2025, down from $15.7 million in the previous quarter, influenced by an improvement in the economic forecast[10]. - Non-performing loans to total loans ratio was 1.60% as of September 30, 2025, slightly up from 1.57% in the previous quarter and significantly higher than 1.03% a year ago[32]. Capital and Assets - BankUnited's capital position remains strong, with a CET1 ratio of 12.5% at a consolidated level as of September 30, 2025[7]. - Total assets of BankUnited, Inc. were $35.1 billion as of September 30, 2025[15]. - Total assets decreased slightly to $34,893,623 as of September 30, 2025, from $35,406,476 a year earlier[25]. - Total liabilities were $32.0 billion as of September 30, 2025, down from $32.5 billion in the previous quarter[21]. - Stockholders' equity increased to $3,015,090 as of September 30, 2025, compared to $2,777,824 in the same period of 2024[25]. - Total risk-based capital ratio was 14.4% as of September 30, 2025, compared to 14.1% in the previous quarter and 14.3% a year ago[36].

Core Insights - BankUnited, Inc. reported improved profitability for Q3 2025, achieving net income of $71.9 million, or $0.95 per diluted share, with an annualized return on average assets of 0.82% [2][6] - The company achieved a net interest margin of 3.00%, an increase from 2.93% in the previous quarter, driven by a favorable funding mix and a decrease in interest expenses [6][14] - Total loans decreased by $231 million in Q3 2025, with a notable decline in residential loans by $173 million, while the mortgage warehouse lending segment grew by $83 million [6][10] Financial Performance - For the nine months ended September 30, 2025, net income reached $199.1 million, or $2.63 per diluted share, representing a 21% increase in diluted earnings per share compared to the same period in 2024 [2][10] - The company’s total assets were reported at $35.1 billion as of September 30, 2025, with total deposits remaining relatively flat, declining by $28 million quarter-over-quarter [15][17] - The average cost of total deposits decreased to 2.38% from 2.47% in the previous quarter, reflecting a proactive approach to reduce deposit pricing [6][14] Loan Portfolio and Asset Quality - The core commercial and industrial (C&I) and commercial real estate (CRE) portfolio segments saw a net decline of $69 million, with the CRE portfolio growing by $61 million and the C&I portfolio declining by $130 million [4][5] - The allowance for credit losses (ACL) was $219.9 million, representing 0.93% of total loans, consistent with the previous quarter [7][8] - The annualized net charge-off ratio for the nine months ended September 30, 2025, was 0.26%, with total criticized and classified loans declining by $3 million [6][7] Capital Position - The Common Equity Tier 1 (CET1) ratio was reported at 12.5% as of September 30, 2025, indicating a robust capital position [6][8] - Book value per common share increased to $40.30, reflecting an 8% year-over-year increase in tangible book value per share [6][8] Interest Income and Expenses - Net interest income for Q3 2025 was $250.1 million, an increase from $246.1 million in the previous quarter, despite a slight decrease in interest income [10][18] - The yield on interest-earning assets remained stable at 5.38%, while the average rate paid on interest-bearing deposits decreased to 3.40% [14][18]

Core Insights - Zacks Premium provides various tools for investors to enhance their stock market strategies, including daily updates, research reports, and stock screens [1] - The Zacks Style Scores are designed to help investors identify stocks with the potential to outperform the market within a 30-day timeframe [2] Zacks Style Scores Overview - The Style Scores categorize stocks into four main types: Value Score, Growth Score, Momentum Score, and VGM Score, each focusing on different investment strategies [3][4][5][6] - Value Score emphasizes finding undervalued stocks using financial ratios [3] - Growth Score focuses on a company's financial health and future growth potential [4] - Momentum Score identifies stocks with favorable price trends and earnings outlooks [5] - VGM Score combines the three styles to highlight stocks with attractive value, growth, and momentum characteristics [6] Zacks Rank and Performance - The Zacks Rank is a proprietary model that leverages earnings estimate revisions to guide investors in stock selection [7] - Stocks rated 1 (Strong Buy) have historically achieved an average annual return of +23.81% since 1988, significantly outperforming the S&P 500 [8] - There are over 800 stocks rated 1 and 2, making it essential for investors to utilize Style Scores to narrow down choices [9] Investment Strategy - For optimal returns, investors should focus on stocks with a Zacks Rank of 1 or 2 and Style Scores of A or B [10] - Stocks with a 3 (Hold) rank should also have A or B Style Scores to maximize upside potential [10] - The direction of earnings estimate revisions is crucial when selecting stocks, as lower-ranked stocks may still decline despite high Style Scores [11] Company Spotlight: BankUnited, Inc. - BankUnited, Inc. is headquartered in Miami Lakes, FL, and was established in 2009 through an acquisition from the FDIC [12] - Currently rated 3 (Hold) with a VGM Score of B, BankUnited has a Momentum Style Score of A and has seen a 0.9% increase in shares over the past four weeks [12][13] - The Zacks Consensus Estimate for fiscal 2025 has been revised upwards to $3.31 per share, with an average earnings surprise of +14.9% [13]

Company Overview - PriceMDs.com, Inc. is an innovative healthcare technology and solutions company that significantly reduces medical costs for self-insured employers and their members [1][3] - The company provides a healthcare services marketplace platform that connects patients, physicians, surgery centers, and medical imaging facilities to deliver cost-effective medical care [3] - PriceMDs.com leverages cloud-based solutions to enable consumers and employers to access transparent pricing for surgeries, diagnostic imaging, and other healthcare procedures [3] Recent Developments - PriceMDs.com announced the entry into a senior secured credit facility of up to $20 million funded by BankUnited [1] - Roth Capital Partners acted as the exclusive financial advisor for this offering [1] Financial Partner Information - BankUnited is a national bank headquartered in Miami Lakes, Florida, providing a full range of consumer and commercial banking products and services [4] - BankUnited has a long-standing record of consistent operating performance and has been recognized as one of the top performing financial institutions in the country [6] Advisory and Legal Representation - Greenberg Traurig, LLP represented PriceMDs.com in the transaction [1] - Roth Capital Partners provides a full-service platform focused on serving growth companies and their investors [6]

Core Viewpoint - The announcement pertains to a dividend declaration by a company, indicating a commitment to returning value to shareholders through regular dividend payments [1] Group 1 - The company has made a dividend announcement in October 2025, signaling its financial health and ability to generate returns for investors [1]

Core Insights - The article discusses the earnings advisory for Q3 2025, indicating important financial performance metrics for the company [1] Financial Performance - The earnings advisory highlights key financial figures for Q3 2025, which are crucial for assessing the company's performance [1]

PART I. FINANCIAL INFORMATION [Item 1. Financial Statements (Unaudited)](index=5&type=section&id=ITEM%201.%20Financial%20Statements%20(Unaudited)) This section presents BankUnited, Inc.'s unaudited consolidated financial statements, including balance sheets, income statements, cash flows, and equity, along with detailed notes on accounting policies and financial accounts [Consolidated Balance Sheets](index=5&type=section&id=Consolidated%20Balance%20Sheets) Total assets increased to $35.46 billion as of June 30, 2025, from $35.24 billion at December 31, 2024, driven by higher cash and cash equivalents and a rise in total deposits to $28.65 billion Consolidated Balance Sheet Highlights (in thousands) | Account | June 30, 2025 | December 31, 2024 | | :--- | :--- | :--- | | **Assets** | | | | Cash and cash equivalents | $801,294 | $491,116 | | Loans, net | $23,710,797 | $24,074,827 | | Investment securities | $9,401,071 | $9,130,244 | | **Total Assets** | **$35,459,707** | **$35,241,742** | | **Liabilities & Equity** | | | | Total deposits | $28,645,941 | $27,865,703 | | FHLB advances | $2,255,000 | $2,930,000 | | **Total Liabilities** | **$32,506,690** | **$32,427,424** | | **Total Stockholders' Equity** | **$2,953,017** | **$2,814,318** | [Consolidated Statements of Income](index=6&type=section&id=Consolidated%20Statements%20of%20Income) Net income for Q2 2025 was $68.8 million, an increase from $53.7 million in Q2 2024, driven by higher net interest income due to a larger decrease in interest expense Income Statement Highlights (in thousands, except per share data) | Metric | Q2 2025 | Q2 2024 | H1 2025 | H1 2024 | | :--- | :--- | :--- | :--- | :--- | | Net Interest Income | $246,119 | $226,022 | $479,258 | $440,879 | | Provision for Credit Losses | $15,698 | $19,538 | $30,809 | $34,823 | | **Net Income** | **$68,766** | **$53,733** | **$127,242** | **$101,713** | | **Diluted EPS** | **$0.91** | **$0.72** | **$1.68** | **$1.36** | [Consolidated Statements of Cash Flows](index=8&type=section&id=Consolidated%20Statements%20of%20Cash%20Flows) For the six months ended June 30, 2025, net cash provided by operating activities was $134.0 million, investing activities provided $85.5 million, and financing activities provided $90.7 million, resulting in a net increase in cash and cash equivalents of $310.2 million Six Months Ended June 30 Cash Flow Summary (in thousands) | Activity | 2025 | 2024 | | :--- | :--- | :--- | | Net cash provided by operating activities | $133,982 | $202,180 | | Net cash provided by investing activities | $85,463 | $261,026 | | Net cash provided by (used in) financing activities | $90,733 | $(618,037) | | **Net increase (decrease) in cash** | **$310,178** | **$(154,831)** | [Notes to Consolidated Financial Statements](index=11&type=section&id=Notes%20to%20Consolidated%20Financial%20Statements) The notes provide detailed disclosures on the company's accounting policies, investment securities, loan composition, allowance for credit losses, derivatives, and capital structure - The company operates as a single reportable segment, with the CEO acting as the Chief Operating Decision Maker (CODM)[31](index=31&type=chunk) - The most significant accounting estimate is the Allowance for Credit Losses (ACL)[32](index=32&type=chunk) - In July 2025, the Board authorized a new share repurchase program of up to **$100 million** and the redemption of its 4.875% senior notes due November 2025[122](index=122&type=chunk)[123](index=123&type=chunk) [Item 2. Management's Discussion and Analysis of Financial Condition and Results of Operations](index=38&type=section&id=ITEM%202.%20Management's%20Discussion%20and%20Analysis%20of%20Financial%20Condition%20and%20Results%20of%20Operations) Management discusses the company's financial performance for Q2 2025, highlighting an 18% sequential increase in net income to $68.8 million, driven by an expanded net interest margin and improved funding profile Quarterly Performance Highlights (Q2 2025) | Metric | Q2 2025 | Q1 2025 | Q2 2024 | | :--- | :--- | :--- | :--- | | Net Income (millions) | $68.8 | $58.5 | $53.7 | | Diluted EPS | $0.91 | $0.78 | $0.72 | | Return on Average Equity | 9.4% | 8.2% | 8.0% | | Net Interest Margin (tax-equiv.) | 2.93% | 2.81% | 2.72% | - The company's funding profile improved, with non-interest bearing demand deposits (NIDDA) growing by **$1.0 billion** in Q2 2025 to represent **32%** of total deposits[127](index=127&type=chunk) - The loan-to-deposit ratio declined to **83.6%** at June 30, 2025, from **87.2%** at year-end 2024, indicating improved liquidity[129](index=129&type=chunk) - Tangible book value per common share increased **9%** year-over-year to **$38.23** at June 30, 2025[129](index=129&type=chunk) [Results of Operations](index=39&type=section&id=Results%20of%20Operations) Net interest income on a tax-equivalent basis increased by $12.9 million sequentially to $249.5 million in Q2 2025, driven by higher loan yields and a lower cost of funds - The net interest margin (tax-equivalent) expanded by **12 basis points** to **2.93%** in Q2 2025 from Q1 2025, benefiting from growth in NIDDA and a decline in the average rate paid on interest-bearing deposits[135](index=135&type=chunk) - The provision for credit losses of **$15.7 million** in Q2 2025 was primarily driven by increases in specific reserves[142](index=142&type=chunk) - Non-interest expense increased YoY, mainly due to higher employee compensation from increased headcount and routine salary increases[147](index=147&type=chunk) [Analysis of Financial Condition](index=44&type=section&id=Analysis%20of%20Financial%20Condition) The company continued its balance sheet transformation in H1 2025, growing non-interest bearing deposits by $1.5 billion while reducing wholesale funding by $1.8 billion - The investment securities AFS portfolio had a net unrealized loss of **$330.0 million** at June 30, 2025, an improvement from a **$405.6 million** loss at year-end 2024, primarily due to changes in interest rates[151](index=151&type=chunk) Loan Portfolio Composition (June 30, 2025) | Loan Category | Amortized Cost (billions) | Percent of Total | | :--- | :--- | :--- | | Core C&I and CRE | $15.16 | 63.4% | | Residential | $7.30 | 30.5% | | Other Commercial | $1.47 | 6.1% | | **Total Loans** | **$23.93** | **100.0%** | - The Commercial Real Estate (CRE) portfolio is concentrated in Office (**26%**), Warehouse/Industrial (**21%**), and Retail (**20%**), with modest exposure compared to peer banks[164](index=164&type=chunk)[166](index=166&type=chunk) [Asset Quality](index=54&type=section&id=Asset%20Quality) Asset quality showed mixed trends in Q2 2025, with total criticized and classified loans declining but non-accrual loans increasing, primarily from office CRE exposure Non-Performing Assets (in thousands) | Metric | June 30, 2025 | Dec 31, 2024 | | :--- | :--- | :--- | | Total non-performing loans | $376,341 | $250,707 | | Total non-performing assets | $383,039 | $256,189 | | NPA to Total Assets Ratio | 1.08% | 0.73% | | NPL to Total Loans Ratio | 1.57% | 1.03% | - Total criticized and classified commercial loans declined to **$1.23 billion** at June 30, 2025, from **$1.38 billion** at year-end 2024[70](index=70&type=chunk) - Non-performing CRE loans totaled **$142 million**, of which **$124 million** was office exposure[174](index=174&type=chunk) [Analysis of the Allowance for Credit Losses](index=61&type=section&id=Analysis%20of%20the%20Allowance%20for%20Credit%20Losses) The Allowance for Credit Losses (ACL) was $222.7 million, or 0.93% of total loans, at June 30, 2025, driven by an increase in specific reserves ACL as a Percentage of Loans | Portfolio Segment | June 30, 2025 | Dec 31, 2024 | | :--- | :--- | :--- | | Total Commercial | 1.36% | 1.37% | | Residential and MWL | 0.18% | 0.15% | | **Total Loans** | **0.93%** | **0.92%** | | ACL to CRE office loans | 1.92% | 2.30% | - The most significant factor impacting the ACL during Q2 2025 was an increase in specific reserves, net of overall positive risk rating migration[232](index=232&type=chunk) - The quantitative ACL estimate was based on a weighted combination of economic scenarios, with the baseline forecast including national unemployment peaking at **4.8%** and GDP growth troughing at **0.6%**[227](index=227&type=chunk)[234](index=234&type=chunk)[237](index=237&type=chunk) [Liquidity and Capital Resources](index=68&type=section&id=Liquidity%20and%20Capital%20Resources) The company maintained a strong liquidity and capital position, with robust same-day available liquidity and all capital ratios exceeding well-capitalized guidelines - Same-day available liquidity totaled **$16.4 billion** at June 30, 2025[254](index=254&type=chunk)[255](index=255&type=chunk) Regulatory Capital Ratios (Company) - June 30, 2025 | Ratio | Actual | Required for Well-Capitalized | | :--- | :--- | :--- | | CET1 Risk-Based Capital | 12.22% | 6.50% | | Tier 1 Risk-Based Capital | 12.22% | 8.00% | | Total Risk-Based Capital | 14.31% | 10.00% | | Tier 1 Leverage | 8.75% | N/A | - In July 2025, the Board authorized a new **$100 million** share repurchase program[262](index=262&type=chunk) [Interest Rate Risk](index=70&type=section&id=Interest%20Rate%20Risk) The company manages interest rate risk through its Asset/Liability Committee (ALCO), using simulation models for Net Interest Income (NII) and Economic Value of Equity (EVE) Net Interest Income Sensitivity (Year 1) - June 30, 2025 | Rate Shock | % Change in NII | | :--- | :--- | | +200 bps | +3.4% | | +100 bps | +1.8% | | -100 bps | -2.1% | | -200 bps | -5.3% | Economic Value of Equity (EVE) Sensitivity - June 30, 2025 | Rate Shock | % Change in EVE | | :--- | :--- | | +200 bps | -10.8% | | +100 bps | -5.3% | | -100 bps | +7.9% | | -200 bps | +12.3% | - The company had **$3.63 billion** in notional value of derivatives designated as cash flow hedges at June 30, 2025, primarily interest rate swaps to manage cash flow variability on borrowings and loans[271](index=271&type=chunk) [Item 3. Quantitative and Qualitative Disclosures About Market Risk](index=74&type=section&id=ITEM%203.%20Quantitative%20and%20Qualitative%20Disclosures%20About%20Market%20Risk) This section refers the reader to the 'Interest Rate Risk' discussion within Item 2, Management's Discussion and Analysis of Financial Condition and Results of Operations, for quantitative and qualitative disclosures about market risk - The company's disclosures about market risk are contained within the MD&A section, specifically under the heading 'Interest Rate Risk'[275](index=275&type=chunk) [Item 4. Controls and Procedures](index=74&type=section&id=ITEM%204.%20Controls%20and%20Procedures) Management, including the CEO and CFO, evaluated the company's disclosure controls and procedures and concluded they were effective as of June 30, 2025, with no material changes to internal control over financial reporting during the quarter - The CEO and CFO concluded that the company's disclosure controls and procedures were effective as of the end of the period covered by the report[275](index=275&type=chunk) - No material changes were identified in the company's internal control over financial reporting during the quarter ended June 30, 2025[276](index=276&type=chunk) PART II. OTHER INFORMATION [Item 1. Legal Proceedings](index=74&type=section&id=ITEM%201.%20Legal%20Proceedings) The company is involved in various legal actions arising from the normal course of business, with management believing the outcome is unlikely to have a material adverse impact on financial condition - Management opines that the likelihood of any material adverse impact from ongoing legal proceedings is remote[277](index=277&type=chunk) [Item 1A. Risk Factors](index=74&type=section&id=ITEM%201A.%20Risk%20Factors) There have been no material changes to the risk factors previously disclosed in the company's 2024 Annual Report on Form 10-K - No material changes to the risk factors disclosed in the 2024 Form 10-K have occurred[278](index=278&type=chunk) [Item 2. Unregistered Sales of Equity Securities and Use of Proceeds](index=74&type=section&id=ITEM%202.%20Unregistered%20Sales%20of%20Equity%20Securities%20and%20Use%20of%20Proceeds) The company reported no unregistered sales of equity securities during the period - There were no unregistered sales of equity securities to report for the quarter[279](index=279&type=chunk) [Item 5. Other Information](index=74&type=section&id=ITEM%205.%20Other%20Information) During the second quarter of 2025, no director or officer adopted or terminated a Rule 10b5-1 trading arrangement or a non-Rule 10b5-1 trading arrangement - No director or officer adopted or terminated a Rule 10b5-1 or non-Rule 10b5-1 trading arrangement during the three months ended June 30, 2025[280](index=280&type=chunk) [Item 6. Exhibits](index=75&type=section&id=ITEM%206.%20Exhibits) This section lists the exhibits filed with the Form 10-Q, including CEO and CFO certifications pursuant to the Sarbanes-Oxley Act and XBRL data files

Core Viewpoint - BankUnited, Inc. (BKU) has experienced a 7.1% decline in shares over the past week, but the formation of a hammer chart pattern suggests potential support and a possible trend reversal in the future [1][2]. Technical Analysis - The hammer chart pattern indicates a potential bottoming out, with reduced selling pressure, which could lead to a bullish trend for the stock [2][5]. - A hammer pattern forms when there is a small candle body with a long lower wick, signaling that buyers may be gaining control after a downtrend [4][5]. - The effectiveness of the hammer pattern is enhanced when used alongside other bullish indicators, as its strength is dependent on its placement on the chart [6]. Fundamental Analysis - There has been a recent upward trend in earnings estimate revisions for BKU, which is a positive sign for potential price appreciation [7]. - Over the last 30 days, the consensus EPS estimate for the current year has increased by 2.1%, indicating that analysts expect better earnings than previously predicted [8]. - BKU holds a Zacks Rank of 2 (Buy), placing it in the top 20% of over 4,000 ranked stocks, which typically outperform the market [9][10].

Core Insights - BankUnited, Inc. (BKU) reported second-quarter 2025 earnings of 91 cents per share, exceeding the Zacks Consensus Estimate of 79 cents and up from 72 cents in the prior-year quarter [1][10] - The results were driven by growth in net interest income (NII) and non-interest income, alongside a decline in provisions for credit losses [1][10] - Total net revenues increased by 9.5% year over year to $273.9 million, surpassing the Zacks Consensus Estimate of $265.6 million [3][10] Financial Performance - Net income for the quarter was $68.8 million, reflecting a 28% increase from the year-ago quarter, compared to an estimate of $58.2 million [2] - NII reached $246.1 million, an 8.9% growth, with net interest margin (NIM) expanding by 21 basis points to 2.93% [3] - Non-interest income rose 15% to $27.8 million, driven by increased deposit service charges and fees [4] Expense and Asset Management - Non-interest expenses increased by 4.2% to $164.3 million, attributed to higher employee compensation and technology costs [5] - Total loans were $23.9 billion, a slight decrease from the prior quarter, while total deposits rose by 2.1% to $28.6 billion [6] Credit Quality and Capital Ratios - Provisions for credit losses were $15.7 million, down 19.7% from the prior-year quarter [7] - The ratio of net charge-offs to average loans was 0.27%, up 35 basis points year over year, and the non-performing assets ratio increased to 1.08% [7] - Common Equity Tier 1 risk-based capital ratio improved to 12.2%, up from 11.6%, and the total risk-based capital ratio rose to 14.3% from 13.6% [8] Market Position and Outlook - BankUnited's strategy to grow fee income and low-cost deposits, along with relatively higher interest rates, is expected to support revenue growth [11] - The company faces challenges from rising expenses and significant exposure to commercial real estate and residential loans [11]