{"schema_version":"secwatch.filing_event.v1","accession":"0001504008-23-000004","form_type":"8-K","ticker":"BKU","cik":"0001504008","company_name":"BankUnited, Inc.","filed_at":"2023-01-19T23:59:59+00:00","discovered_at":"2026-05-14T18:03:45.297694+00:00","generated_at":"2026-06-20T13:05:58.449079+00:00","sec_items":["2.02","9.01"],"event_type":"earnings","sentiment":"negative","materiality_score":0.7,"calibrated_materiality_score":0.7,"confidence":"high","headline":"BankUnited Q4 net income $64.2M ($0.82 EPS) down 49% YoY; provision for credit losses $39.6M","bullets":["Net income of $64.2M, diluted EPS $0.82 vs $1.41 in Q4 2021; FY2022 net income $285.0M ($3.54 EPS) vs $415.0M ($4.52 EPS).","Net interest margin (tax-equivalent) expanded to 2.81% from 2.44% a year ago; net interest income $243.1M, up 18% YoY.","Total loans grew $619M in Q4; core C&I and CRE portfolios up $722M; total deposits up $160M but non-interest bearing down $756M.","Provision for credit losses $39.6M vs $0.2M in Q4 2021; ACL ratio increased to 0.59% from 0.54% at Sep 30, 2022.","Repurchased 1.9M shares for $64.7M at weighted avg price $33.92 per share during Q4."],"urls":{"canonical":"https://secwatch.observer/filing/0001504008-23-000004","json":"https://secwatch.observer/filing/0001504008-23-000004.json","markdown":"https://secwatch.observer/filing/0001504008-23-000004.md","text":"https://secwatch.observer/filing/0001504008-23-000004.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/1504008/000150400823000004/0001504008-23-000004-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/1504008/000150400823000004/bku-20230119.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-06-20T13:05:58.449079+00:00"},"review":{"review_status":"machine_generated","human_reviewed":false,"corrected":false,"correction_note":null,"correction_timestamp":null,"superseded_by":null,"related_filings":[]},"source_grounded_claims":[{"claim_id":"1ab6cdedb729596bf7ee64fb632a786fa21c6253","claim":"BankUnited, Inc. reported the quarter ended December 31, 2022 results: net income $64.2 million, EPS $0.82 per diluted share.","evidence_excerpt":"For the quarter ended December 31, 2022, the Company reported net income of $64.2 million, or $0.82 per diluted share","evidence_source":"SEC 8-K Item 2.02","evidence_url":"https://www.sec.gov/Archives/edgar/data/1504008/000150400823000004/0001504008-23-000004-index.htm","confidence":0.9,"family_label":"Earnings Releases","details":[{"label":"Period","value":"the quarter ended December 31, 2022"},{"label":"Net income","value":"$64.2 million"},{"label":"EPS","value":"$0.82 per diluted share"},{"label":"Result","value":"reported results"}],"fact_type":"earnings_release"},{"claim_id":"ac516555d4245addbad9feba6da95e3d02a5c885","claim":"BankUnited, Inc. reported the year ended December 31, 2022 results: net income $285.0 million, EPS $3.54 per diluted share.","evidence_excerpt":"For the year ended December 31, 2022, the Company reported net income of $285.0 million, or $3.54 per diluted share","evidence_source":"SEC 8-K Item 2.02","evidence_url":"https://www.sec.gov/Archives/edgar/data/1504008/000150400823000004/0001504008-23-000004-index.htm","confidence":0.9,"family_label":"Earnings Releases","details":[{"label":"Period","value":"the year ended December 31, 2022"},{"label":"Net income","value":"$285.0 million"},{"label":"EPS","value":"$3.54 per diluted share"},{"label":"Result","value":"reported results"}],"fact_type":"earnings_release"}],"license":"Source filings: public domain (SEC EDGAR). Summaries (headline + bullets): CC-BY-4.0; attribute https://secwatch.observer"}