The earnings call presented a strong performance with significant achievements in deposit growth, improved margins, and capital management outweighing the challenges in NPLs and C&I lending. The positive developments in deposits, earnings, and capital returns signal a favorable outlook.

Company Guidance -

Q3 2025

In the BankUnited Second Quarter 2025 Earnings Conference Call, the company reported a strong financial performance with a net income of $69 million, or $0.91 per share, exceeding the consensus estimate of $0.79. The return on assets (ROA) improved to 78 basis points, up from 68 basis points in the previous quarter, and the return on equity (ROE) increased to 9.4%. The company highlighted significant deposit growth with NIDDA increasing by over $1 billion, contributing to a 20% growth year-to-date. The loan-to-deposit ratio decreased to 83.6%, and the net interest margin expanded by 12 basis points to 2.93%. Additionally, BankUnited reported a $15.7 million provision for credit losses, with criticized and classified loans declining by $156 million. The company also announced a $100 million stock buyback program and discussed plans for expansion into new markets, such as New Jersey and Charlotte.

Strong Earnings Performance

Net income reached $69 million or $0.91 per share, beating consensus estimates of $0.79, with improvements in ROA to 78 basis points and ROE to 9.4%.

Significant Deposit Growth

Total non-brokered deposits grew by $1.2 billion, with NIDDA up by $581 million. NIDDA now represents 32% of total deposits, surpassing the 30% milestone.

Improved Funding Costs and Margins

Spot cost of deposits declined by 0.15% to 2.37%. Net interest margin expanded by 12 basis points to 2.93%, with net interest income increasing by 5.6% quarter-over-quarter.

Reduction in Criticized and Classified Loans

Total criticized and classified loans declined by $156 million, marking one of the largest reductions seen in some time.

Capital Strength and Shareholder Returns

CET1 ratio improved to 12.2%, with a $100 million stock buyback program authorized post-earnings.

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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