BankUnited (BKU) Q4 Earnings: Taking a Look at Key Metrics Versus Estimates

Core Insights - BankUnited, Inc. (BKU) reported a revenue of $288.2 million for the quarter ended December 2025, marking a year-over-year increase of 9% and exceeding the Zacks Consensus Estimate by 3.58% [1] - The earnings per share (EPS) for the same period was $0.94, up from $0.91 a year ago, representing a surprise of 10.16% over the consensus EPS estimate of $0.85 [1] Financial Performance Metrics - Net charge-offs to average loans stood at 0.3%, matching the average estimate from three analysts [4] - The net interest margin was reported at 3.1%, slightly above the 3% average estimate from three analysts [4] - Average interest-earning assets were $34.02 billion, slightly below the estimated $34.07 billion [4] - Net interest income before provision for credit losses was $258.21 million, exceeding the average estimate of $252.98 million [4] - Total non-interest income reached $29.99 million, surpassing the average estimate of $25.26 million [4] - Net interest income (FTE basis) was $261.62 million, above the average estimate of $256.62 million [4] - Other non-interest income was reported at $10.03 million, below the two-analyst average estimate of $15.69 million [4] - Lease financing income was $4.66 million, exceeding the average estimate of $3.98 million [4] - Deposit service charges and fees amounted to $5.79 million, above the two-analyst average estimate of $5.28 million [4] Stock Performance - BankUnited shares have returned +2.9% over the past month, contrasting with a -0.4% change in the Zacks S&P 500 composite [3] - The stock currently holds a Zacks Rank 4 (Sell), indicating potential underperformance relative to the broader market in the near term [3]