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Mar 31, 2025
BankUnited Q1 2025 Earnings Report
BankUnited posted stable earnings with improved deposit growth and strong capital levels.
Key Takeaways
BankUnited delivered a solid performance in Q1 2025, with growing non-interest bearing deposits, improved funding profile, and robust capital ratios despite a slight decline in net income and loan balances.
Net income was $58,476,000, down from the previous quarter.
Non-interest bearing demand deposits grew by $453,000,000 during the quarter.
The net interest margin slightly declined to 2.81%.
Tangible book value per share rose to $37.48.
Forward Guidance
BankUnited remains cautiously optimistic despite economic uncertainty, focusing on balance sheet strength and deposit growth.
Positive Outlook
- Improvement in non-interest bearing deposits.
- Strong capital ratios well above regulatory requirements.
- Continued reduction in wholesale funding reliance.
- Increase in tangible book value per share.
- Effective management of deposit costs in a declining rate environment.
Challenges Ahead
- Net income declined compared to the previous quarter.
- Net interest margin experienced a slight decrease.
- Loan balances continued to decline.
- Increase in non-performing loans compared to the prior quarter.
- Economic uncertainty impacting risk ratings and provision for credit losses.
Historical Earnings Impact
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Avg. Return Before/After Earnings
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