BankUnited (NYSE:BKU) Issues Earnings Results, Beats Estimates By $0.09 EPS

Posted by Bonnie Powley on Jan 22nd, 2026

BankUnited (NYSE:BKU – Get Free Report) released its quarterly earnings data on Wednesday. The financial services provider reported $0.94 earnings per share for the quarter, topping analysts’ consensus estimates of $0.85 by $0.09, FiscalAI reports. BankUnited had a return on equity of 9.18% and a net margin of 13.98%.The company had revenue of $288.20 million for the quarter, compared to analyst estimates of $279.76 million. During the same quarter in the previous year, the company posted $0.91 earnings per share.

Here are the key takeaways from BankUnited’s conference call:

Adjusted EPS $0.94 beat consensus (~$0.89) as FY25 delivered double-digit EPS and PP&R growth, with NIM up to 3.06% (22 bps YoY) driving margin expansion.
Balance-sheet momentum — average NIDDA up $844M YoY and now 31% of deposits, core loans grew $769M in Q4 with an 82.7% loan-to-deposit ratio; management targets recapturing a ~34% NIDDA mix.
Credit was lumpy in Q4 with ~$25M of charge-offs/provision including a $10M fraud write-off; allowance remained about $220M but charge-offs were slightly elevated.
Capital and shareholder returns — CET1 ~12.3% (11.6% pro forma incl. AOCI), tangible book > $40, and the board authorized an additional $200M buyback (bringing available repurchase capacity to ~ $250M) and raised the dividend $0.02.
2026 outlook is largely steady — management expects revenue ~+8%, NIDDA ~+12%, core loan growth ~6% (total loans 2–3%), and modest NIM improvement to ~3.20%, assuming ~80% deposit beta and one-to-two Fed cuts.

BankUnited Stock Up 8.5%

BKU stock opened at $50.34 on Thursday. The company’s 50 day moving average price is $44.38 and its 200 day moving average price is $40.40. The firm has a market capitalization of $3.78 billion, a price-to-earnings ratio of 14.18 and a beta of 1.30. BankUnited has a fifty-two week low of $28.21 and a fifty-two week high of $51.33. The company has a debt-to-equity ratio of 0.69, a quick ratio of 0.83 and a current ratio of 0.83.

BankUnited Announces Dividend

The business also recently disclosed a quarterly dividend, which will be paid on Friday, January 30th. Stockholders of record on Friday, January 9th will be given a dividend of $0.31 per share. The ex-dividend date of this dividend is Friday, January 9th. This represents a $1.24 dividend on an annualized basis and a dividend yield of 2.5%. BankUnited’s payout ratio is currently 34.93%.

Analyst Ratings Changes

BKU has been the subject of a number of analyst reports. Weiss Ratings reissued a “buy (b-)” rating on shares of BankUnited in a report on Wednesday, October 8th. Keefe, Bruyette & Woods increased their price target on shares of BankUnited from $42.00 to $55.00 and gave the company a “market perform” rating in a research note on Thursday. Wells Fargo & Company raised their price target on shares of BankUnited from $42.00 to $50.00 and gave the stock an “overweight” rating in a report on Monday, January 5th. The Goldman Sachs Group reiterated a “sell” rating and issued a $43.00 price objective on shares of BankUnited in a report on Tuesday, January 6th. Finally, Hovde Group reissued an “outperform” rating and set a $51.00 price objective on shares of BankUnited in a research report on Monday, December 8th. Eight research analysts have rated the stock with a Buy rating, four have issued a Hold rating and one has assigned a Sell rating to the company. According to MarketBeat, BankUnited has a consensus rating of “Moderate Buy” and an average target price of $50.00.

Get Our Latest Research Report on BankUnited

Institutional Investors Weigh In On BankUnited

A number of hedge funds and other institutional investors have recently modified their holdings of the company. BNP Paribas Financial Markets lifted its stake in BankUnited by 17.2% during the second quarter. BNP Paribas Financial Markets now owns 11,529 shares of the financial services provider’s stock worth $410,000 after purchasing an additional 1,692 shares during the last quarter. Quantinno Capital Management LP raised its holdings in BankUnited by 30.7% during the second quarter. Quantinno Capital Management LP now owns 10,117 shares of the financial services provider’s stock worth $360,000 after purchasing an additional 2,378 shares in the last quarter. Cerity Partners LLC lifted its position in shares of BankUnited by 17.7% during the 2nd quarter. Cerity Partners LLC now owns 9,556 shares of the financial services provider’s stock worth $340,000 after buying an additional 1,439 shares during the last quarter. CIBC Bancorp USA Inc. acquired a new position in shares of BankUnited in the 3rd quarter valued at $307,000. Finally, Inceptionr LLC purchased a new position in shares of BankUnited in the 3rd quarter valued at $237,000. 99.70% of the stock is currently owned by institutional investors and hedge funds.

BankUnited News Summary

Here are the key news stories impacting BankUnited this week:

Positive Sentiment: Q4 results beat expectations — EPS topped consensus (reported $0.94 vs. ~$0.85 est.) and revenue exceeded estimates, showing improved profitability and top-line strength. BankUnited, Inc. (BKU) Q4 Earnings and Revenues Surpass Estimates
Positive Sentiment: Added $200M share buyback authorization — management approved incremental buybacks alongside the results, which supports EPS and signals confidence in capital position. BankUnited, Inc. Reports 4Q 2025 Net Income…
Positive Sentiment: NIM expansion and deposit/loan trends — quarter showed a ~6 bp NIM lift, $485M growth in non?interest bearing deposits and $769M core loan growth, supporting margin and revenue outlook. BKU Q4 Deep Dive: Deposit Growth, Margin Expansion, and Balanced Loan Mix Stand Out
Positive Sentiment: Management targets — company reiterated a ~6% core loan growth target and emphasized continued NII/NIM expansion, giving investors a clear growth trajectory for 2026. BankUnited targets 6% core loan growth and $200M buyback amid strong NIDDA expansion
Neutral Sentiment: Earnings call and transcripts available — management commentary (see call transcript) provides color on reserve trends, mix of loan originations, and capital usage; useful for modeling but no major surprises reported. BankUnited (BKU) Q4 2025 Earnings Call Transcript
Neutral Sentiment: Analyst/coverage pieces confirm beats — multiple outlets and research notes compared key metrics to estimates and highlighted the beat, reinforcing the market reaction. BankUnited (BKU) Q4 Earnings: Taking a Look at Key Metrics Versus Estimates

About BankUnited

(Get Free Report)

BankUnited, Inc is a bank holding company based in Miami Lakes, Florida, operating through its subsidiary BankUnited, National Association. The company provides a broad range of commercial banking products and services, including deposit accounts, commercial lending and treasury management. It serves middle-market and small-business clients, offering tailored financing solutions across a variety of industry sectors.

The bank’s lending portfolio includes commercial and industrial loans, commercial real estate loans and construction financing, as well as residential mortgage lending.