BankUnited Q3 net income $71.9M, EPS $0.95; NIM expands to 3.00%

BankUnited, Inc.

2025-Q3 EPS reported $2.63 vs consensus $0.89 ▲ beat (+195.1%)

Net income $71.9M ($0.95 diluted EPS) vs $68.8M ($0.91) prior quarter and $61.5M ($0.81) year ago.
Net interest margin (tax-equivalent) rose 7 bps to 3.00%; net interest income grew $4.0M QoQ.
Total loans declined $231M; residential fell $173M, core C&I and CRE down $69M.
Total deposits flat QoQ; non-interest-bearing demand deposits fell $488M but up $990M YoY.
Provision for credit losses $11.6M vs $15.7M prior Q; net charge-offs $14.7M (annualized 0.26%).

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