The earnings call presented a strong quarter with significant achievements in earnings, deposit growth, and margin expansion. However, challenges remain with the increase in non-performing loans, particularly in the office sector, and a decline in C&I loans. The bank's strategic expansion and stock buyback program reflect confidence in future growth and stability.

Company Guidance

During the BankUnited Second Quarter 2025 Earnings Conference Call, CEO Raj Singh highlighted several positive financial metrics. The company reported a net income of $69 million or $0.91 per share, surpassing the consensus estimate of $0.79 per share. The return on assets (ROA) improved to 78 basis points from 68 basis points last quarter, while the return on equity (ROE) increased to 9.4% from 8.2% in the previous quarter. BankUnited achieved impressive deposit growth, with non-interest-bearing deposit accounts (NIDDA) increasing by over $1 billion, contributing to a total non-brokered deposit growth of $1.2 billion. Despite the seasonality of these numbers, year-over-year NIDDA growth was up 13%. The bank also reported a decline in deposit costs, with spot cost of deposits decreasing to 2.37% from 2.52% in the prior quarter. The loan-to-deposit ratio improved to 83.6%, and the net interest margin expanded from 2.81% to 2.93%. Additionally, the company experienced a $156 million decline in criticized and classified loans, although non-performing loans (NPLs) increased by $117 million, primarily due to office-related loans. Capital metrics remained strong, with the Common Equity Tier 1 (CET1) ratio at 12.2% and tangible book value per share growing by 9% over the past year. The board authorized a $100 million stock buyback program, reflecting confidence in the bank's capital position.

Net Income and Earnings Per Share Beat

Net income for the quarter was $68.8 million or $0.91 per share, exceeding the consensus estimate of $0.79 per share.

Record Deposit Growth

NIDDA grew by more than $1 billion, with average NIDDA up $581 million and total non-brokered deposits increasing by $1.2 billion.

Improved Return Metrics

ROA improved to 78 basis points from 68 last quarter and ROE improved to 9.4% from 8.2% last quarter.

Margin Expansion

Net interest margin expanded from 2.81% last quarter to 2.93%, with net interest income increasing by 5.6% quarter-over-quarter.

Capital Strength

CET1 ratio is at 12.2%, with a pro-forma basis, including AOCI, at 11.3%. Tangible book value per share increased by 9% over the last 12 months.

Stock Buyback Program

The Board authorized a $100 million stock buyback program, indicating confidence in the company's capital position.

New Market Expansions

Expanded into New Jersey and Charlotte, showing strategic growth initiatives in key markets.

BankUnited (BKU) Earnings, Revenues Date & History

The upcoming earnings date is based on a company’s previous reporting, and may be updated when the actual date is announced

Daily Earnings Calendar >

BKU Earnings History

Report Date	Fiscal Quarter	Forecast / EPS	Last Year's EPS	EPS YoY Change	Slides	Play Transcript
Oct 16, 2025	2025 (Q3)	0.89 / -	0.81	―	―	―
Jul 23, 2025	2025 (Q2)	0.79 / 0.91	0.72	26.39% (+0.19)
Apr 28, 2025	2025 (Q1)	0.75 / 0.78	0.64	21.88% (+0.14)
Jan 22, 2025	2024 (Q4)	0.72 / 0.91	0.76	19.74% (+0.15)
Oct 22, 2024	2024 (Q3)	0.74 / 0.81	0.63	28.57% (+0.18)
Jul 18, 2024	2024 (Q2)	0.65 / 0.72	0.78	-7.69% (-0.06)
Apr 17, 2024	2024 (Q1)	0.59 / 0.64	0.87	-26.44% (-0.23)
Jan 26, 2024	2023 (Q4)	0.69 / 0.76	0.82	-7.32% (-0.06)
Oct 19, 2023	2023 (Q3)	0.71 / 0.63	1.12	-43.75% (-0.49)
Jul 25, 2023	2023 (Q2)	0.78 / 0.78	0.82	-4.88% (-0.04)

The table shows recent earnings report dates and whether the forecast was beat or missed. See the change in forecast and EPS from the previous year.

Beat

Missed

BKU Earnings-Related Price Changes

Report Date	Price 1 Day Before	Price 1 Day After	Percentage Change
Jul 23, 2025	$38.72	$39.55	+2.14%
Apr 28, 2025	$33.35	$32.62	-2.19%
Jan 22, 2025	$39.39	$38.86	-1.35%
Oct 22, 2024	$34.22	$34.11	-0.32%

Earnings announcements can affect a stock’s price. This table shows the stock's price the day before and the day after recent earnings reports, including the percentage change.

FAQ

When does Bankunited (BKU) report earnings?

Bankunited (BKU) is schdueled to report earning on Oct 16, 2025, Before Open (Confirmed).

What is Bankunited (BKU) earnings time?

Bankunited (BKU) earnings time is at Oct 16, 2025, Before Open (Confirmed).

Where can I see when companies are reporting earnings?

You can see which companies are reporting today on our designated earnings calendar.

What companies are reporting earnings today?

You can see a list of the companies which are reporting today on TipRanks earnings calendar.

What is BKU EPS forecast?

BKU EPS forecast for the fiscal quarter 2025 (Q3) is 0.89.

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