BankUnited Q4 EPS $1.41 vs $0.89 YoY; loans ex-PPP grow $1B; NIM 2.44%

BankUnited, Inc.

2021-FY EPS reported $4.52 revenue$21,685,000

Net income $125.3M ($1.41 diluted EPS) vs $85.7M ($0.89) in Q4 2020; FY2021 net income $415.0M ($4.52) vs $197.9M ($2.06).
Total loans ex-PPP grew $1.0B in Q4; net interest margin expanded 11bp to 2.44% (tax-equiv); deposits up $1.3B.
Non-interest expense $187.9M includes $44.8M loss on hedge discontinuance and $6.8M special employee bonus; non-interest income $45.6M includes $18.2M gain on loan sale.
Non-performing loans declined to 0.87% from 1.21% prior quarter; allowance for credit losses $126.5M (0.53% of loans).
Repurchased 4.4M shares for $181.8M at $41.45 avg; book value per share $35.47, tangible book $34.56.

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