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Bankunited (BKU)
NYSE:BKU
Earnings Data
Report Date
Apr 16, 2026Before Open (Confirmed)
Period Ending
2026 (Q1)Consensus EPS Forecast
0.95Last Year’s EPS
0.78Same Quarter Last Year
Moderate Buy
Based on 10 Analysts Ratings
Earnings Call Summary
Earnings Call Sentiment|Positive
The call conveyed a broadly positive operational and financial performance: strong core loan growth, meaningful deposit and NIDDA expansion, margin improvement, rising PPNR and diversified non-interest income. Management reiterated conservative guidance for FY2026 while authorizing substantial share repurchases and a dividend increase. Key negatives were episodic credit losses (including a $10 million fraud write-off), a one-time software charge, some spread compression on new production, and an uptick in brokered deposits. Overall, the positive items (growth in NII/NIM, deposits, core loans, PPNR expansion, capital actions and disciplined expense/investment strategy) materially outweigh the contained and largely one-off negatives.Company Guidance
Strong Quarterly and Adjusted EPS
Net income of $69.3 million, $0.90 per share in Q4; adjusted for a one-time software write-down adjusted EPS was $0.94. Management described double-digit EPS growth for FY2025 driven by double-digit PPNR and NIDDA growth.
Pre-Provision Pre-Tax Net Revenue (PPNR) Expansion
PPNR rose to $115 million in Q4 (versus $109.5 million in prior quarter and roughly $104 million in Q4 prior year). Management highlighted material year-over-year PPNR growth (management cited ~14% Y/Y growth).
Net Interest Income and Margin Improvement
NII up ~3% sequentially and ~7% year-over-year; net interest margin expanded to 3.06% in Q4 (up ~6 bps sequentially and up ~22 bps year-over-year). Management expects NIM to modestly improve to ~3.20% in FY2026 under base case.
Deposit and NIDDA Gains
Spot NIDDA grew $485 million in Q4 and $1.5 billion for the year; average NIDDA was up ~$505 million in Q4 and ~$844 million for the year. NIDDA now 31% of total deposits (prior quarter 30%); management targeting recapturing COVID-era peak of ~34%.
Robust Core Loan Growth
Core loans increased by ~$769 million in Q4 with CRE +$276 million, C&I +$474 million and mortgage warehouse +$19 million. Management guided core loan growth of ~6% for FY2026 and total loan growth of ~2–3%.
Non-Interest Income and Expense Discipline
Non-interest income showed solid growth (management highlighted ~28% full-year growth excluding leasing income); full-year non-interest expense up only ~3% as investments were controlled while hiring revenue-producing staff and technology modernization continued.
Capital and Shareholder Returns
Common equity Tier 1 (CET1) ended at 12.3% (11.6% pro forma incl. AOCI). Tangible book value per share $40.14 (about 10% Y/Y growth). Board authorized an incremental $200 million share repurchase (total ~ $250 million capacity including previous authorization) and raised the quarterly dividend by $0.02.
CRE Portfolio Metrics and Diversification
CRE exposure $6.8 billion (28% of loans) with weighted average LTV ~55% and weighted average DSCR ~1.82. Portfolio is diversified across asset classes and geographies (48% Florida, 22% New York) and criticized/classified CRE loans declined $36 million in the quarter.
Conservative Rate/Balance Sheet Positioning
Management signaled an 80% deposit beta assumption for planned Fed cuts, noted the balance sheet is fairly hedged, and emphasized a modestly asset-sensitive profile and an upward-sloping yield curve that supports earnings.
BKU Earnings History
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 |
|---|---|---|---|
Dec 31, 2025 | $44.32 | $44.27 | -0.11% |
Oct 22, 2025 | $36.59 | $37.20 | +1.68% |
Jul 23, 2025 | $38.16 | $38.98 | +2.14% |
Apr 28, 2025 | $32.87 | $32.15 | -2.20% |
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 Apr 16, 2026, Before Open (Confirmed).
What is Bankunited (BKU) earnings time?
Bankunited (BKU) earnings time is at Apr 16, 2026, 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 2026 (Q1) is 0.95.