Inferra AI / Company / BKU

BankUnited, Inc.

BKU · Financials

Last earnings Oct 21, 2026

Key results

Net incomequarter

$71.9 million

For the quarter ended September 30, 2025, the Company reported net income of $71.9 million, or $0.95 per diluted share, for an annualized return on average assets of 0.82%.

SEC original ↗BankUnited, Inc. — Earnings release (8-K exhibit)EX-99Oct 22, 2025

For the immediately preceding quarter ended June 30, 2025, net income was $68.8 million, or $0.91 per diluted share and for the quarter ended September 30, 2024, net income was $61.5 million, or $0.81 per diluted share.

SEC original ↗BankUnited, Inc. — Earnings release (8-K exhibit)EX-99Oct 22, 2025

Net incomeytd

$199.1 million

For the nine months ended September 30, 2025, net income was $199.1 million, or $2.63 per diluted share compared to $163.2 million, or $2.17 per diluted share for the nine months ended September 30, 2024, an increase of 21% in diluted earnings per share.

SEC original ↗BankUnited, Inc. — Earnings release (8-K exhibit)EX-99Oct 22, 2025

AI analysis

Q3 2025 · reported Oct 22, 2025

Based on: Earnings release + Q3 2025 deck + parent 8-K — transcript not held

Diluted EPS · Q3 2025

$0.95

EX-99 · Oct 22, 2025

Net income · Q3 2025

$71.9M

EX-99 · Oct 22, 2025

Headline figures

Metric	Q3 2025	Prior qtr	Year ago
Net income	$71.9 million	—	—

EX-99 · Oct 22, 2025

Guidance · company-stated

No guidance located in the held release

Next earningsNo verified date on fileNo date is estimated or imported

Capital allocation

As previously reported, in August 2025, the Company redeemed all of its outstanding senior notes due November 2025 at par value plus accrued interest.

The redemption of higher cost senior debt also positively impacted the cost of funds.

General educational research only — not investment advice.Every figure is as stated in the held documents; values marked “computed from stated figures” are arithmetic on those stated figures. Guidance shown is the company’s own stated guidance. No price targets, no recommendations, no consensus estimates.

Event summary

REPORTS THIRD QUARTER 2025 RESULTS

Based on: Earnings release + Q3 2025 deck + parent 8-K — transcript not held

Guidance & outlook

No guidance located in the held release

Capital allocation

As previously reported, in August 2025, the Company redeemed all of its outstanding senior notes due November 2025 at par value plus accrued interest.

SEC original ↗BankUnited, Inc. — Earnings release (8-K exhibit)EX-99Oct 22, 2025

The redemption of higher cost senior debt also positively impacted the cost of funds.

SEC original ↗BankUnited, Inc. — Earnings release (8-K exhibit)EX-99Oct 22, 2025

Strategy & priorities

In the aggregate, consistent with our balance sheet strategy, the residential, franchise, equipment and municipal finance portfolios declined by $245 million while the core commercial portfolio segments and mortgage warehouse grew by a combined $14 million.

SEC original ↗BankUnited, Inc. — Earnings release (8-K exhibit)EX-99Oct 22, 2025

Consistent with our balance sheet strategy, residential loans declined by $173 million.

SEC original ↗BankUnited, Inc. — Earnings release (8-K exhibit)EX-99Oct 22, 2025

Such forward-looking statements are subject to various risks and uncertainties and assumptions, including (without limitation) those relating to the Company s operations, financial results, financial condition, business prospects, growth strategy and liquidity, including as impacted by external circumstances outside the Company's direct control, such as but not limited to adverse events or conditions impacting the financial services industry.

SEC original ↗BankUnited, Inc. — Earnings release (8-K exhibit)EX-99Oct 22, 2025

Risks & headwinds

SEC original ↗BankUnited, Inc. — Earnings release (8-K exhibit)EX-99Oct 22, 2025

If one or more of these or other risks or uncertainties materialize, or if the Company s underlying assumptions prove to be incorrect, the Company s actual results may vary materially from those indicated in these statements.

SEC original ↗BankUnited, Inc. — Earnings release (8-K exhibit)EX-99Oct 22, 2025

Documents

Earnings deck slides

0 decks with slide view

BankUnited, Inc. — Presentation / slide deck (8-K exhibit) — Slide view unavailable — this deck was filed as a web document, whose text has no page boundaries.

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