---
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"
generated_at: "2026-10-21T10:50:06.947731+00:00"
event_type: "earnings"
sentiment: "positive"
materiality_score: 0.65
calibrated_materiality_score: 0.65
confidence: "high"
source: SEC EDGAR
---

# BankUnited Q3 EPS $1.01, NIM 3.16%; guides Q4 NIM ~3.20% and NII ~$265M

## Summary
- 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.

## SEC filing metadata
- 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
- event_type: earnings
- sentiment: positive
- materiality_score: 0.65
- calibrated_materiality_score: 0.65
- confidence: high
- sec_items: 2.02, 9.01
- 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

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001504008-26-000088
- JSON: https://secwatch.observer/filing/0001504008-26-000088.json
- Plain text: https://secwatch.observer/filing/0001504008-26-000088.txt

This AI-assisted summary is a reading aid. Review the linked SEC EDGAR filing before relying on any specific claim.