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BankUnited BKU Q4 2025 Annual earnings

Reported January 21, 2026 · Before market open

Revenue$288.2MBeat by $8.1M
EPS$0.94Beat by $0.09
Revenue estimate$280.1M
EPS estimate$0.85

Next report

Oct 28, 2026 (in 3 months)
Revenue estimate$294.5M
EPS estimate$1.10

Financials

Q4 2025

Income statement

See full
Revenue$288.2M+9.0%
Net income$69.3M-0.1%
EPS (diluted)$0.90-1.1%

Balance sheet

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Cash & equivalents$217.8M-55.7%
Total debt$408.0M-49.3%
Total equity$3.1B+8.5%
Total assets$35.0B-0.6%

Cash flow

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Operating cash flow$124.9M-32.7%
CapEx-$19.7M-23.9%
Free cash flow$105.2M-38.0%

Valuation & ratios

Valuation

as of 12/31/25
See full
Market cap$3.35B+17.4%
Enterprise value$3.54B+11.7%
P/E12.5×+0.2×
P/S3.1×+0.2×

Profitability

See full
Net margin24.5%+1.6pp
FCF margin30.7%+2.5pp

Returns & leverage

See full
Return on equity9.1%+0.5pp
Debt / equity0.1×-0.2×

FAQ

When did BankUnited report Q4 2025 earnings?
BankUnited (BKU) reported Q4 2025 earnings on January 21, 2026 before market open.
What were BankUnited's Q4 2025 revenue and EPS?
BankUnited reported revenue of $288.2M and eps of $0.94 for Q4 2025.
Did BankUnited beat estimates in Q4 2025?
Revenue beat the consensus estimate of $280.1M by $8.1M. EPS beat the consensus estimate of $0.85 by $0.09.
How did BankUnited's Q4 2025 results compare year-over-year?
Compared to the same quarter a year prior, revenue grew 9.0% from $264.5M a year earlier and eps grew 30.6% from $0.72.
Where can I find BankUnited's Q4 2025 SEC filings?
You can read the 8-K earnings release (0001504008-26-000002) and the 10-K periodic report (0001504008-26-000011) directly on SEC EDGAR. The filing index links above go to sec.gov.