{"schema_version":"secwatch.filing_event.v1","accession":"0001504008-26-000088","form_type":"8-K","ticker":"BKU","cik":"0001504008","company_name":"BankUnited, Inc.","filed_at":"2026-10-21T10:46:47+00:00","discovered_at":"2026-10-21T10:50:00.293789+00:00","generated_at":"2026-10-21T10:50:06.947731+00:00","sec_items":["2.02","9.01"],"event_type":"earnings","sentiment":"positive","materiality_score":0.65,"calibrated_materiality_score":0.65,"confidence":"high","headline":"BankUnited Q3 EPS $1.01, NIM 3.16%; guides Q4 NIM ~3.20% and NII ~$265M","bullets":["Net income $72.2M; diluted EPS $1.01 vs $0.95 a year ago; adjusted EPS $1.03 vs $0.94, excluding a $2.3M pre-tax securities-sale loss.","Net interest income $260.7M; NIM 3.16%, up 16 bps YoY and 10 bps QoQ, which CEO Rajinder Singh said was ahead of guidance.","Q4 2026 guidance: NIM ~3.20%, net interest income ~$265M, ending core loans $17.6B-$17.7B, provision ~$15M, non-interest expense ~$178M.","Provision for credit losses $9.0M, down 23% YoY; NPLs $264M, down 30% YoY but up 18% QoQ; criticized/classified loans down 14% YoY to $1.0B.","Repurchased ~2.1M shares for $97.0M in Q3; CET1 ratio 12.1%; average NIDDA up $824M, or 10% YoY, and 32.2% of ending deposits."],"urls":{"canonical":"https://secwatch.observer/filing/0001504008-26-000088","json":"https://secwatch.observer/filing/0001504008-26-000088.json","markdown":"https://secwatch.observer/filing/0001504008-26-000088.md","text":"https://secwatch.observer/filing/0001504008-26-000088.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/1504008/000150400826000088/0001504008-26-000088-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/1504008/000150400826000088/bku-20261021.htm"},"model":{"generated_by":"deepseek-v4.1-flash:cloud@v2","generated_at":"2026-10-21T10:50:06.947731+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":[],"license":"Source filings: public domain (SEC EDGAR). Summaries (headline + bullets): CC-BY-4.0; attribute https://secwatch.observer"}