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Dec 31, 2025
BankUnited Q4 2025 Earnings Report
BankUnited reported solid Q4 2025 results with earnings supported by loan growth, improved NIM, and deposit gains.
Key Takeaways
BankUnited posted a strong Q4 2025 driven by $769M in core loan growth, $485M in non-interest-bearing deposit growth, and a 6 bps expansion in NIM. Adjusted EPS was $0.94, excluding a one-time software write-down.
Net income for Q4 reached $69.3M; adjusted net income was $72M.
EPS was $0.90; adjusted EPS was $0.94 excluding a $3.8M software write-down.
Non-interest-bearing deposits increased by $485M, totaling 31% of total deposits.
Core loans grew by $769M during the quarter, including strong CRE and C&I performance.
Revenue by Segment
Forward Guidance
Management remains focused on disciplined loan growth, deposit optimization, and returning capital to shareholders, with caution on credit quality.
Positive Outlook
- Continued core loan growth in CRE and C&I segments
- Solid NIM expansion driven by lower deposit costs
- Strong capital ratios support further capital returns
- Increase in quarterly dividend and $200M buyback expansion
- Stable loan-to-deposit ratio with reduced wholesale funding
Challenges Ahead
- Elevated net charge-offs due to a few isolated loans
- Increase in provision for credit losses to $25.6M
- Slight decrease in CET1 from prior quarter
- Software write-down impacted GAAP earnings
- Yield on loans and securities declined due to lower rates
Historical Earnings Impact
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Avg. Return Before/After Earnings
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