Core Insights - BankUnited, Inc. (BKU) reported a revenue of $273.93 million for the quarter ended June 2025, reflecting a year-over-year increase of 9.5% and a surprise of +3.12% over the Zacks Consensus Estimate of $265.63 million [1] - The earnings per share (EPS) for the quarter was $0.91, compared to $0.72 in the same quarter last year, resulting in an EPS surprise of +15.19% against the consensus estimate of $0.79 [1] Financial Performance Metrics - Net charge-offs to average loans stood at 0.3%, matching the three-analyst average estimate of 0.3% [4] - Net Interest Margin was reported at 2.9%, consistent with the average estimate from three analysts [4] - Average Interest-Earning Assets totaled $34.06 billion, aligning with the three-analyst average estimate [4] - Deposit service charges and fees reached $5.32 million, exceeding the average estimate of $5.08 million from three analysts [4] - Net Interest Income (FTE basis) was $249.53 million, surpassing the average estimate of $247.52 million [4] - Other non-interest income amounted to $17.88 million, significantly higher than the average estimate of $13.39 million [4] - Total Non-Interest Income was reported at $27.81 million, compared to the average estimate of $22.96 million [4] - Lease financing generated $4.61 million, exceeding the average estimate of $4.15 million [4] - Net interest income before provision for credit losses was $246.12 million, above the three-analyst average estimate of $243.67 million [4] Stock Performance - BankUnited's shares have returned +10.8% over the past month, outperforming the Zacks S&P 500 composite's +5.9% change [3] - The stock currently holds a Zacks Rank 2 (Buy), indicating potential for outperformance in the near term [3]

Financial Data and Key Metrics Changes - Net income for the quarter was approximately $69 million or $0.91 per share, exceeding consensus estimates of around $79 million [7] - Return on Assets (ROA) improved to 78 basis points from 68 basis points last quarter and 61 basis points a year ago [7] - Return on Equity (ROE) increased to 9.4%, up from 8.2% last quarter and 8% a year ago [7] - Net Interest Margin (NIM) expanded from 2.81% to 2.93%, reflecting a 12 basis point improvement [10][26] - Total non-interest income increased by $5.5 million, driven by growth in fee businesses [34] Business Line Data and Key Metrics Changes - Commercial loans grew by $68 million, with Commercial Real Estate (CRE) loans increasing by $267 million, while Commercial and Industrial (C&I) loans declined by $199 million [11][20] - The residential portfolio decreased as expected, with a decline of $160 million [21] - The average yield on loans increased to 5.55% from 5.48% last quarter [28] Market Data and Key Metrics Changes - The weighted average Loan-to-Value (LTV) of the CRE portfolio was 54%, with a debt service coverage ratio of 1.76, indicating strong portfolio health [22] - The total criticized and classified loans decreased by $156 million, marking one of the largest reductions in recent times [12] - Non-Performing Loans (NPLs) increased by $117 million, primarily due to office-related loans [13][33] Company Strategy and Development Direction - The company aims to maintain a safe and sound banking operation while focusing on responsible growth and profitability [15][16] - Expansion into new markets, including New Jersey and Charlotte, is part of the growth strategy [18][76] - The company has authorized a $100 million stock buyback program, reflecting confidence in its capital position [14][56] Management's Comments on Operating Environment and Future Outlook - Management noted a shift in the operating environment, with less uncertainty compared to the previous quarter, but acknowledged ongoing risks [16][17] - The company expects continued double-digit growth in Net Interest Income and deposits, with a focus on maintaining margin expansion [35][36] - Management remains cautious about the economic outlook, particularly regarding office loans, but believes the portfolio is well-positioned [88][90] Other Important Information - The company plans to redeem its outstanding senior bond maturing in November, with the redemption expected to occur later in August [38] - The Chief Financial Officer (CFO) succession plan was announced, with Leslie Lunak set to retire and Jim Mackie appointed as her successor [39][40] Q&A Session Summary Question: Regarding credit and office detail, what happens when loans move to non-performing status? - The company reappraises loans before they move to non-accrual status and updates LTVs and debt service coverage ratios accordingly [48][49] Question: Can you provide a breakdown of the provision for credit losses? - The provision for credit losses was $15.7 million, with specific reserves increasing by $33 million and net charge-offs totaling $12.7 million [31][51] Question: What is the outlook for deposits moving into the next quarters? - The company expects deposit balances to remain stable through the third quarter but may decline in the fourth quarter due to seasonality [52][54] Question: What is the company's target for normalized Net Interest Margin (NIM)? - The company targets a normalized NIM in the mid-threes, emphasizing the importance of pricing discipline and mix [94][96] Question: What is the company's stance on M&A activity? - While the company is not actively seeking M&A opportunities, it remains open to discussions if the right deal arises [116][117]

Financial Data and Key Metrics Changes - Net income for the quarter was approximately $69 million or $0.91 per share, exceeding consensus estimates of around $79 million [6] - Return on Assets (ROA) improved to 78 basis points from 68 basis points last quarter and 61 basis points a year ago [6] - Return on Equity (ROE) increased to 9.4%, up from 8.2% last quarter and 8% a year ago [6] - Net interest margin expanded from 2.81% to 2.93%, reflecting a 12 basis points improvement [9][25] - Net interest income rose by 5.6% quarter over quarter [10] Business Line Data and Key Metrics Changes - Commercial loans grew by $68 million, with Commercial Real Estate (CRE) increasing by $267 million, while Commercial and Industrial (C&I) loans declined by $199 million [10] - The residential loan portfolio decreased as expected, with a decline of $160 million [20] - Total criticized and classified loans decreased by $156 million, marking one of the largest reductions in recent times [11] Market Data and Key Metrics Changes - Non-Interest Bearing Deposits (NIDDA) increased by over $1 billion, with average NIDDA up by $581 million [7] - Total non-broker deposits grew by $1.2 billion, with NIDDA now representing 32% of total deposits [8] - The cost of deposits declined by 15 basis points to 2.37% from 2.52% [9][25] Company Strategy and Development Direction - The company aims to run a safe and sound bank, grow its balance sheet responsibly, and return excess capital through buybacks [14] - Recent expansions into New Jersey and Charlotte are part of the strategy to enhance market presence and capitalize on growth opportunities [17] - The company is focused on maintaining profitability while managing credit risk and optimizing the balance sheet [16] Management's Comments on Operating Environment and Future Outlook - Management noted a shift in the operating environment compared to three months ago, with less uncertainty but still caution advised [15] - The company expects continued double-digit growth in NIDDA and solid growth in non-brokered deposits [34] - Management anticipates margin expansion throughout the year, driven by a favorable mix shift and pricing discipline [104] Other Important Information - The company authorized a $100 million stock buyback program, reflecting confidence in capital management [13] - The Common Equity Tier 1 (CET1) ratio stands at 12.2%, indicating a strong capital position [13] Q&A Session Summary Question: Credit and office detail regarding non-performing loans - Management confirmed that properties are reappraised before moving to non-accrual status, and LTVs and debt service coverage ratios are updated accordingly [46] Question: Breakdown of provisions and charge-offs - Specific reserves increased by $33 million, with net charge-offs totaling $12.7 million, including $5.2 million from office charge-offs [49] Question: Deposit strength and seasonality - Management expects deposit balances to remain stable through Q3, with a potential decline in Q4 due to seasonality [50] Question: M&A activity and market expansion - Conversations around M&A have been consistent, but the company prefers organic growth and will only consider opportunities that align with its strategy [112] Question: Loan yield and origination rates - New production rates are generally higher than existing loans being replaced, indicating a positive repricing outlook [119]

Financial Performance - Net income reached $68.8 million, an 18% increase quarter-over-quarter[4] - Net Interest Margin (NIM) expanded by 0.12% to 2.93% from 2.81%[4] - Return on Equity (ROE) improved to 9.4%[4] - Net Interest Income increased to $246 million, a 6% quarter-over-quarter growth[5] Funding Profile - Non-interest bearing demand deposit accounts (NIDDA) grew 13%, or $1.0 billion, to reach 32% of total deposits[4] - Average NIDDA increased by $581 million[4] - Non-brokered deposits increased by $1.2 billion[4] - Wholesale funding decreased by $749 million[4] - Cost of deposits decreased by 0.11% to 2.47% from 2.58%, with a spot APY of 2.37% at June 30[4] Asset Quality - Core Commercial & Industrial (C&I) and Commercial Real Estate (CRE) loans grew by a net $68 million[4] - Lower yielding and non-core resi, franchise, equipment and municipal finance declined an aggregate $171 million[4] - Non-performing assets to total assets increased to 1.08%[5] - Allowance for credit losses to total loans was 0.93%[5] Capital Strength - CET 1 ratio is 12.2%[4] - Tangible book value per share is now $38.23, a 9% year-over-year growth[4] - A new share repurchase authorization of $100 million was approved[4]

分组1 - BankUnited, Inc. reported quarterly earnings of $0.91 per share, exceeding the Zacks Consensus Estimate of $0.79 per share, and up from $0.72 per share a year ago, representing an earnings surprise of +15.19% [1] - The company posted revenues of $273.93 million for the quarter ended June 2025, surpassing the Zacks Consensus Estimate by 3.12%, compared to year-ago revenues of $250.21 million [2] - BankUnited has surpassed consensus EPS estimates four times over the last four quarters and topped consensus revenue estimates two times in the same period [2] 分组2 - The stock has added about 1.4% since the beginning of the year, underperforming the S&P 500's gain of 7.3% [3] - The current consensus EPS estimate for the coming quarter is $0.81 on revenues of $273.49 million, and for the current fiscal year, it is $3.20 on revenues of $1.07 billion [7] - The Zacks Industry Rank for Banks - Major Regional is currently in the top 11% of over 250 Zacks industries, indicating a favorable outlook for the industry [8]

[Financial Performance Overview](index=1&type=section&id=Financial%20Performance%20Overview) This section provides an overview of BankUnited's financial results and strategic initiatives for the second quarter of 2025 [Q2 2025 Financial Highlights](index=1&type=section&id=Q2%202025%20Financial%20Highlights) BankUnited reported strong financial results for the second quarter of 2025, with net income of $68.8 million, or $0.91 per diluted share, driven by significant growth in non-interest bearing demand deposits and a 12 basis point expansion in the net interest margin Financial Performance Summary | Metric | Q2 2025 | Q1 2025 | Q2 2024 | | :--- | :--- | :--- | :--- | | Net Income | $68.8 million | $58.5 million | $53.7 million | | Diluted EPS | $0.91 | $0.78 | $0.72 | Net Interest Margin and Income | Metric | Q2 2025 | Q1 2025 | Change | | :--- | :--- | :--- | :--- | | Net Interest Margin (tax-equivalent) | 2.93% | 2.81% | +0.12% | | Net Interest Income | $246.1 million | $233.1 million | +5.6% | - Non-interest bearing demand deposits (NIDDA) grew by **$1.0 billion**, or **13% quarter-over-quarter**, reaching **32% of total deposits**[4](index=4&type=chunk) - The funding profile improved as the average cost of total deposits decreased by **11 basis points to 2.47%** compared to the prior quarter, and wholesale funding declined by **$749 million**[4](index=4&type=chunk) [Key Operational and Strategic Developments](index=2&type=section&id=Key%20Operational%20and%20Strategic%20Developments) The company announced a new $100 million share repurchase program, the redemption of senior notes, and expansion of its wholesale banking presence - The Board of Directors authorized a new share repurchase program for up to **$100 million** of its outstanding common stock[7](index=7&type=chunk) - The company authorized the redemption of all outstanding **4.875% senior notes due November 2025**[7](index=7&type=chunk) - BankUnited launched new wholesale banking offices in Morristown, NJ, and Charlotte, NC to expand its footprint[7](index=7&type=chunk) [Detailed Financial Analysis](index=2&type=section&id=Detailed%20Financial%20Analysis) This section provides an in-depth analysis of the company's loan portfolio, asset quality, and net interest income performance [Loan Portfolio Analysis](index=2&type=section&id=Loan%20Portfolio%20Analysis) Total loans experienced a slight decline to $23.9 billion in Q2 2025, with shifts in portfolio composition including growth in Commercial Real Estate and reductions in Commercial and Industrial and residential loans Loan Portfolio Composition | Loan Category | June 30, 2025 ($ thousands) | % of Total | | :--- | :--- | :--- | | Non-owner occupied CRE | $5,829,835 | 24.4% | | Commercial and industrial | $6,743,739 | 28.2% | | Residential | $7,303,997 | 30.5% | | Other | $4,056,456 | 16.9% | | **Total Loans** | **$23,933,527** | **100.0%** | - The bank's commercial real estate exposure was **27% of total loans** and **185% of total risk-based capital**, which is below the peer median of 35% and 217%, respectively[6](index=6&type=chunk) CRE Portfolio Metrics | CRE Portfolio Metrics (as of June 30, 2025) | All CRE | Office Sub-segment | | :--- | :--- | :--- | | Weighted Average LTV | 54.2% | 63.3% | | Weighted Average DSCR | 1.76x | 1.52x | [Asset Quality and Allowance for Credit Losses (ACL)](index=3&type=section&id=Asset%20Quality%20and%20Allowance%20for%20Credit%20Losses%20(ACL)) Asset quality showed a mixed picture with a decline in criticized loans but an increase in non-accrual loans, primarily office-related, while the ACL to total loans ratio remained stable Asset Quality Ratios | Metric | June 30, 2025 | March 31, 2025 | Dec 31, 2024 | | :--- | :--- | :--- | :--- | | ACL to Total Loans | 0.93% | 0.92% | 0.92% | | ACL to Non-Performing Loans | 59.18% | 84.58% | 89.01% | | Net Charge-offs to Avg. Loans (annualized) | 0.27% (YTD) | 0.33% | 0.16% (Annual) | - Total criticized and classified commercial loans decreased by **$156 million to $1.23 billion** in Q2 2025[10](index=10&type=chunk) - Non-accrual loans increased by a net **$117 million** during the quarter, with **$86 million** of the increase related to office CRE exposure, though **75%** of non-accrual loans were current on payments[10](index=10&type=chunk) - The provision for credit losses was **$15.7 million** for Q2 2025, a slight increase from **$15.1 million** in the prior quarter but down from **$19.5 million** in Q2 2024[9](index=9&type=chunk) [Net Interest Income and Margin](index=4&type=section&id=Net%20Interest%20Income%20and%20Margin) Net interest income increased by 5.6% sequentially to $246.1 million, driven by a 12 basis point expansion in the tax-equivalent net interest margin to 2.93% - Net interest income grew **5.6% quarter-over-quarter** and **8.9% year-over-year**[11](index=11&type=chunk) - The net interest margin (tax-equivalent) expanded by **0.12% to 2.93%** from 2.81% in the prior quarter[12](index=12&type=chunk) - Key drivers for margin expansion included: - Growth in average NIDDA by **$581 million**[15](index=15&type=chunk) - Decline in the average rate on interest-bearing deposits to **3.48%** from 3.54%[15](index=15&type=chunk) - Increase in the tax-equivalent yield on loans to **5.55%** from 5.48%[15](index=15&type=chunk) [Financial Statements and Key Ratios](index=6&type=section&id=Financial%20Statements%20and%20Key%20Ratios) This section presents the consolidated financial statements, key performance ratios, and capital adequacy, along with non-GAAP financial measures [Consolidated Financial Statements](index=6&type=section&id=Consolidated%20Financial%20Statements) This section provides a summary of the company's balance sheets and statements of income for the reported periods [Consolidated Balance Sheets](index=6&type=section&id=Consolidated%20Balance%20Sheets) As of June 30, 2025, total assets stood at $35.5 billion, with total deposits increasing to $28.6 billion, driven by a significant rise in non-interest bearing deposits, and total stockholders' equity growing to $2.95 billion | Balance Sheet Item ($ thousands) | June 30, 2025 | March 31, 2025 | | :--- | :--- | :--- | | Total Assets | $35,459,707 | $34,831,997 | | Loans, net | $23,710,797 | $23,770,152 | | Total Deposits | $28,645,941 | $28,057,825 | | Non-interest bearing deposits | $9,112,888 | $8,069,275 | | FHLB advances | $2,255,000 | $2,405,000 | | Total Stockholders' Equity | $2,953,017 | $2,897,582 | [Consolidated Statements of Income](index=7&type=section&id=Consolidated%20Statements%20of%20Income) For the three months ended June 30, 2025, the company generated net interest income of $246.1 million and non-interest income of $27.8 million, resulting in a net income of $68.8 million after provisions and expenses | Income Statement Item ($ thousands) | Q2 2025 | Q1 2025 | Q2 2024 | | :--- | :--- | :--- | :--- | | Net Interest Income | $246,119 | $233,139 | $226,022 | | Provision for Credit Losses | $15,698 | $15,111 | $19,538 | | Total Non-interest Income | $27,810 | $22,270 | $24,185 | | Total Non-interest Expense | $164,327 | $160,226 | $157,706 | | **Net Income** | **$68,766** | **$58,476** | **$53,733** | [Key Performance Ratios and Capital Adequacy](index=11&type=section&id=Key%20Performance%20Ratios%20and%20Capital%20Adequacy) Profitability metrics improved in Q2 2025, with strong capital ratios maintained well above regulatory requirements, and tangible book value per share showing significant year-over-year growth Performance Ratios | Performance Ratios | Q2 2025 | Q1 2025 | Q2 2024 | | :--- | :--- | :--- | :--- | | Return on average assets | 0.78% | 0.68% | 0.61% | | Return on average stockholders' equity | 9.4% | 8.2% | 8.0% | | Loans to deposits | 83.6% | 85.5% | 88.7% | | Tangible book value per common share | $38.23 | $37.48 | $35.07 | Capital Ratios (BankUnited, Inc.) | Capital Ratios (BankUnited, Inc.) | June 30, 2025 | Required to be Well Capitalized | | :--- | :--- | :--- | | CET1 risk based capital | 12.2% | 6.5% | | Total risk-based capital | 14.3% | 10.0% | | Tier 1 leverage | 8.8% | 5.0% | [Non-GAAP Financial Measures](index=12&type=section&id=Non-GAAP%20Financial%20Measures) This section reconciles GAAP book value per common share to the non-GAAP measure of tangible book value per common share by excluding goodwill and other intangible assets Reconciliation of Book Value to Tangible Book Value | Reconciliation ($ thousands, except per share) | June 30, 2025 | March 31, 2025 | June 30, 2024 | | :--- | :--- | :--- | :--- | | Total stockholders' equity (GAAP) | $2,953,017 | $2,897,582 | $2,699,348 | | Less: goodwill and other intangible assets | $77,637 | $77,637 | $77,637 | | Tangible stockholders' equity (Non-GAAP) | $2,875,380 | $2,819,945 | $2,621,711 | | **Book value per common share (GAAP)** | **$39.26** | **$38.51** | **$36.11** | | **Tangible book value per common share (Non-GAAP)** | **$38.23** | **$37.48** | **$35.07** |

Group 1 - BankUnited, Inc. (NYSE: BKU) was revisited by a financial institution, indicating a renewed interest in the company [1] - The focus of Crude Value Insights is on cash flow and companies that generate it, highlighting the importance of value and growth prospects in the oil and natural gas sector [1] Group 2 - Subscribers to the service benefit from a 50+ stock model account and in-depth cash flow analyses of exploration and production (E&P) firms [2] - The service includes live chat discussions about the oil and gas sector, fostering community engagement among subscribers [2]

Company Overview - BankUnited, Inc. (BKU) currently holds a Momentum Style Score of B, indicating potential for solid momentum investing [3] - The company has a Zacks Rank of 2 (Buy), which is associated with a strong track record of outperformance [4] Price Performance - Over the past week, BKU shares increased by 0.12%, while the Zacks Banks - Major Regional industry rose by 3.39% [6] - In a longer time frame, BKU's monthly price change is 4.89%, compared to the industry's 6.99% [6] - Over the past quarter, BKU shares have increased by 19.68%, and gained 21.76% in the last year, significantly outperforming the S&P 500, which moved 8.73% and 13.86% respectively [7] Trading Volume - BKU's average 20-day trading volume is 780,053 shares, which serves as a price-to-volume baseline for assessing momentum [8] Earnings Outlook - In the past two months, one earnings estimate for BKU has moved higher, while none have moved lower, resulting in an increase in the consensus estimate from $3.18 to $3.20 [10] - For the next fiscal year, one estimate has also moved upwards with no downward revisions [10] Conclusion - Considering the price performance, trading volume, and earnings outlook, BKU is positioned as a 2 (Buy) stock with a Momentum Score of B, making it a potential candidate for near-term investment [12]

Financial Performance - Net Income for Q1 2025 was $58.5 million, or $0.78 per diluted share, up from $48.0 million, or $0.64 per diluted share in Q1 2024[123]. - Net interest income for Q1 2025 was $236.6 million, a decrease of $6.3 million from $242.9 million in Q4 2024, attributed to a decline in tax-equivalent interest income and interest expense[132]. - Year-over-year, net interest income increased by $17.7 million from $218.9 million in Q1 2024 to $236.6 million in Q1 2025, despite a decrease in tax-equivalent interest income[134]. - Total non-interest income decreased to $22,270,000 for the three months ended March 31, 2025, down from $26,877,000 in the same period of 2024, primarily due to a decline in lease financing revenue[143]. - Non-interest expense increased to $160,226,000 for the three months ended March 31, 2025, compared to $159,240,000 in 2024, driven by higher employee compensation and benefits, which rose to $82,746,000 from $75,920,000[144]. Deposits and Funding - NIDDA grew by $453 million, or 5.9%, to 29% of total deposits, up from 27% at December 31, 2024[126]. - Non-brokered deposits increased by $719 million, or 3.2%, while total deposits grew by $192 million in Q1 2025[126]. - Brokered deposits decreased from $5.2 billion at December 31, 2024, to $4.7 billion at March 31, 2025, indicating a strategic focus on reducing these higher-cost deposits[237]. - The ratio of estimated insured and collateralized deposits to total deposits was 61%, with available liquidity to uninsured, uncollateralized deposits at 142%[253]. Asset Quality and Credit Losses - The annualized net charge-off ratio for Q1 2025 was 0.33%, compared to 0.24% for the trailing twelve months[129]. - The provision for credit losses for Q1 2025 was $15.1 million, slightly down from $15.3 million in Q1 2024, influenced by increases in specific reserves and risk rating migration[140]. - Total non-performing loans increased to $259,811 thousand as of March 31, 2025, from $250,707 thousand at December 31, 2024, representing a growth of 0.4%[204]. - Non-performing loans to total loans ratio rose to 1.08% as of March 31, 2025, compared to 1.03% at December 31, 2024[204]. - The allowance for credit losses (ACL) remained stable at 0.92% of total loans as of March 31, 2025, consistent with December 31, 2024[225]. Capital and Ratios - CET1 ratio was 12.2% at March 31, 2025, with tangible common equity/tangible assets increasing to 8.11%[129]. - The total risk-based capital ratio for BankUnited was 14.32% as of March 31, 2025, exceeding the regulatory well-capitalized guidelines[259]. - The loan-to-deposit ratio improved to 85.5% at March 31, 2025, from 87.2% at December 31, 2024, despite total loans declining by $308 million[147]. Interest Rate and Economic Sensitivity - The average cost of total deposits decreased by 0.14% to 2.58% in Q1 2025, compared to 2.72% in the previous quarter[129]. - The company projects net interest income sensitivity under various rate scenarios, with a potential decrease of 12% in year 1 and 15% in year 2 for a 200 basis point rate drop[263]. - The modeled change in Economic Value of Equity (EVE) shows a potential increase of 12% for a 200 basis point rate drop, remaining within ALM policy limits[264]. - Interest rate risk management includes modeling instantaneous rate shocks of up to 400 basis points, adapting to economic conditions and customer behavior[262]. Loan Portfolio Composition - As of March 31, 2025, the total loan portfolio amounted to $23,989,899 thousand, a decrease from $24,297,980 thousand on December 31, 2024, representing a decline of approximately 1.3%[158]. - The commercial loan portfolio constitutes 68.9% of total loans, with commercial and industrial loans at $6,916,996 thousand (28.8%) and non-owner occupied commercial real estate at $5,602,711 thousand (23.4%) as of March 31, 2025[158]. - The total residential loans amounted to $7,464,494 thousand, accounting for 31.1% of the total loan portfolio as of March 31, 2025[158]. - The residential mortgage portfolio consists of $7,464,494,000 in loans, with 1-4 single family residential loans making up $6,405,196,000[177]. Operational and Strategic Initiatives - The company has implemented a new general ledger accounting system effective January 1, 2025, aimed at improving efficiency and management reporting[275]. - The company maintains a robust liquidity management framework, with a liquidity stress test coverage ratio of 2.17, exceeding the policy limit of 1.50[256]. - The company does not anticipate the need to sell securities in unrealized loss positions to generate liquidity, as the majority of its investment securities are eligible to be pledged[153].

Group 1 - BankUnited (NYSE: BKU) has shown strong performance over the past year due to solid deposit growth and a good capital position [1] - Despite its strong performance, BankUnited's shares have been affected by the overall market downturn this year [1] - The company reported mixed Q1 results, indicating variability in its financial performance [1]