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Sep 30
BankUnited Q3 2025 Earnings Report
BankUnited reported stronger profitability in Q3 2025 with higher EPS, net income, and an improved net interest margin.
Key Takeaways
BankUnited delivered solid Q3 2025 results, achieving its 3.00% net interest margin target, growing EPS to $0.95, and increasing net income to $71.9 million. The company maintained strong asset quality while navigating seasonal deposit outflows and strategic loan portfolio shifts.
Net income rose to $71.9 million with EPS at $0.95, up from $61.5 million and $0.81 a year ago.
Net interest margin reached 3.00%, up from 2.93% in Q2 2025.
Loan-to-deposit ratio improved to 82.8%, driven by seasonal deposit changes.
CET1 capital ratio stood strong at 12.5%, with tangible book value per share at $39.27.
BankUnited
BankUnited
BankUnited Revenue by Segment
Revenue by Segment
Non-owner occ. CRE Revenue
CapyFin.comConstruction & land Revenue
CapyFin.comOwner-occupied CRE Revenue
CapyFin.comCommercial & Industrial Revenue
CapyFin.comFranchise & Equip. Revenue
CapyFin.comMunicipal Finance Revenue
CapyFin.comMortgage Warehouse Revenue
CapyFin.comResidential Loans Revenue
CapyFin.com Forward Guidance
Management anticipates stable margins and solid capital positioning heading into Q4 2025 despite seasonal deposit trends and credit quality headwinds.
Positive Outlook
- NIM expected to remain around 3.00%.
- Credit quality remains stable with declining criticized assets.
- Capital ratios remain well above regulatory minimums.
- Cost of deposits continues to decline.
- Improved economic outlook reflected in credit loss provision.
Challenges Ahead
- Non-interest bearing deposit outflows due to seasonality.
- Charge-offs increased in C&I and CRE office loans.
- Residential loan balances continue to decline.
- Higher funding costs on FHLB advances.
- ACL coverage on NPLs decreased slightly.