BankUnited Q4 Earnings Call Highlights

2 days ago 3

MarketBeat

Wed, January 21, 2026 astatine 10:27 AM CST 7 min read

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Net income $69.3 million ($0.90/share) successful Q4 — oregon astir $72 cardinal excluding a one‑time bundle write‑down — with pre‑provision nett gross up ~14% YoY and nett involvement borderline expanding to 3.06% arsenic deposit costs fell faster than indebtedness yields.
Deposit momentum was driven by NIDDA, which roseate $485 cardinal connected a period‑end ground ($1.5 cardinal for the year) and present represents 31% of deposits (management targets ~33% successful 2026); spot deposit costs fell 21 bps successful the 4th to 2.10% (down 53 bps YoY), helping borderline improvement.
Core loans rebounded by $769 million this 4th (C&I +$474M, CRE +$276M) and absorption guides to ~6% halfway indebtedness maturation successful 2026 (total indebtedness maturation 2–3%); the committee authorized an further $200 million buyback and raised the dividend, portion recognition included episodic items (a $10M fraud write‑off and ~ $25M charge‑offs) with the allowance dependable adjacent $220M.
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BankUnited (NYSE:BKU) executives told investors the institution delivered what CEO Raj Singh described arsenic a “great year” successful fiscal 2025, citing double-digit maturation crossed aggregate profitability measures and continued nett involvement borderline expansion. On the fourth-quarter net call, absorption emphasized beardown deposit and halfway indebtedness growth, improved backing costs, and a caller stock repurchase authorization alongside a dividend increase.

Singh said fourth-quarter net were “very strong…on conscionable astir each metric,” reporting nett income of $69.3 million, oregon $0.90 per share. CFO Jim Mackey noted results included a one-time write-down of antecedently capitalized bundle tied to a exertion stack reappraisal and strategical planning. Excluding that charge, Mackey said nett income would person been astir $72 million, oregon $0.94 per share.

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Pre-provision nett gross (PP&R) roseate to $115.4 million, up from $109.5 cardinal successful the anterior quarter, and absorption highlighted year-over-year PP&R maturation of astir 14%. The nett involvement borderline expanded 6 ground points sequentially to 3.06%, continuing a inclination Singh said has defined BankUnited’s performance. Management attributed the borderline betterment chiefly to deposit costs declining faster than indebtedness yields.

Management pointed to notable deposit momentum, peculiarly maturation successful non-interest request deposit accounts (NIDDA). Singh said NIDDA accrued $485 cardinal connected a period-end “spot basis” successful the 4th and was up $1.5 cardinal for the year. However, helium cautioned that mean balances supply a clearer presumption fixed quarter-end volatility and seasonal factors. Average NIDDA was up astir $505 cardinal successful the 4th and $844 cardinal for the year, which Singh described arsenic “pretty coagulated numbers.”