BankUnited, Inc.

Listed Company

BKUCIK 0001504008NYSELarge AcceleratedSavings Institution, Federally CharteredDelawareFY ends Dec 31

Period

FY 2025

Revenue

—

Net Income

$268.35M

Total Assets

$35.04B

Equity

$3.05B

Shares Out

73.64M

Op. Cash Flow

$358.61M

Business

BankUnited, Inc. is a bank holding company that provides commercial banking and wholesale banking services through its banking subsidiary, BankUnited. It offers commercial lending, commercial real estate loans, residential mortgage investments, deposit and treasury solutions, and consumer products including cash management, payments, and insured cash sweep programs. Business segments include retail banking operations across Florida, the New York metropolitan area and Dallas, plus wholesale banking in Atlanta and commercial lending subsidiaries Pinnacle and Bridge. The Company distributes services through branch networks, online channels, national platforms and correspondent channels.

Summary from filing dated 2025-02-28

Financials

Consolidated Statement of Income

Year Ended · In millions, except per-share amounts

Concept	FY 2025 2025-12-31	FY 2024 2024-12-31	FY 2023 2023-12-31	FY 2022 2022-12-31	FY 2021 2021-12-31
Loans	1,291	1,390	1,318	935	801
Investment securities	470	498	488	280	153
Other	32	38	51	16	6
Total interest income	1,793	1,925	1,858	1,230	959
Deposits	664	816	660	180	68
Borrowings	141	195	323	138	96
Total interest expense	805	1,011	984	317	—
Net interest income before provision for credit losses	988	914	874	913	796
Provision for credit losses	68	55	88	75	−67
Net interest income after provision for credit losses	920	859	786	838	863
Deposit service charges and fees	22	20	21	23	22
Lease financing	18	31	46	54	53
Capital Markets Revenue	27	14	12	—	—
Other non-interest income	39	34	8	17	28
Total non-interest income	106	99	87	78	134
Employee compensation and benefits	341	316	281	266	244
Occupancy and equipment	44	46	43	45	48
Deposit insurance expense	27	36	67	18	19
Technology	88	83	80	77	68
Depreciation of operating lease equipment	16	26	44	50	54
Other non-interest expense	147	136	121	72	57
Total non-interest expense	664	642	636	540	548
Income before income taxes	362	316	237	375	449
Provision for income taxes	93	84	58	90	34
Net income	268	232	179	285	415
Earnings per common share, basic (in dollars per share)	3.55	3.1	2.39	3.55	4.52
Earnings per common share, diluted (in dollars per share)	3.53	3.08	2.38	3.54	4.52

Consolidated Balance Sheet

As of · In millions, except per-share amounts

Concept	FY 2025 2025-12-31	FY 2024 2024-12-31	FY 2023 2023-12-31	FY 2022 2022-12-31	FY 2021 2021-12-31
Non-interest bearing	12	12	15	16	19
Interest bearing	206	479	573	557	296
Cash and cash equivalents	218	491	588	573	315
Investment securities	9,264	9,130	8,877	9,755	10,064
Non-marketable equity securities	141	206	310	294	136
Loans	24,274	24,298	24,634	—	—
Allowance for credit losses	−220	−223	−203	−148	−126
Loans, net	24,054	24,075	24,431	—	—
Bank owned life insurance	305	285	318	308	309
Operating lease equipment, net	171	224	372	540	641
Goodwill	78	78	78	78	78
Other assets	809	753	787	741	634
Total assets	35,039	35,242	35,762	37,027	35,815
Noninterest-Bearing Deposit Liabilities	9,110	7,616	—	—	—
Interest bearing	6,190	4,893	3,404	2,142	3,709
Savings and money market	10,165	11,055	11,136	13,061	13,369
Time	3,889	4,301	5,164	4,268	3,384
Total deposits	29,353	27,866	26,538	27,509	29,438
FHLB advances	1,555	2,930	5,115	5,420	1,905
Notes and other borrowings	320	709	709	721	721
Other liabilities	758	923	821	750	514
Total liabilities	31,986	32,427	33,184	34,591	32,778
Commitments and contingencies	—	—	—	—	—
Common stock, shares outstanding (in Shares)	74	75	74	76	86
Common stock, par value (in Dollars per Share)	0.01	0.01	0.01	0.01	0.01
Common stock	741,000	747,000	744,000	757,000	856,000
Paid-in capital	272	302	284	322	708
Retained earnings	2,971	2,796	2,651	2,551	2,345
Accumulated other comprehensive loss	−190	−285	−357	−438	−16
Total stockholders' equity	3,054	2,814	2,578	2,436	3,038
Total liabilities and stockholders' equity	35,039	35,242	35,762	37,027	35,815

Consolidated Statement of Cash Flows

Year Ended · In millions, except per-share amounts

Concept	FY 2025 2025-12-31	FY 2024 2024-12-31	FY 2023 2023-12-31	FY 2022 2022-12-31	FY 2021 2021-12-31
Amortization and accretion, net	−20	−16	−13	−8	21
Share based compensation	20	22	20	21	16
Depreciation and amortization	51	60	74	78	79
Deferred income taxes	−5	−44	−47	1	−9
Proceeds from sale of loans held for sale, net	125	131	318	424	807
Daily cash settlement of derivative instruments, net	−19	−25	−74	182	—
(Increase) decrease in other assets	−108	7	24	110	−149
(Decrease) increase in other liabilities	−22	11	90	110	181
Net cash provided by operating activities	359	434	657	1,294	1,220
Purchases of investment securities	−3,745	−2,417	−405	−2,974	−5,835
Proceeds from repayments and calls of investment securities	2,313	1,952	1,037	1,784	2,586
Proceeds from sale of investment securities	1,343	435	372	798	2,287
Purchases of non-marketable equity securities	−350	−331	−545	−472	−62
Proceeds from redemption of non-marketable equity securities	416	434	529	313	122
Purchases of loans	−326	−366	−493	−2,283	−4,843
Loan originations and repayments, net	84	432	378	614	3,857
Proceeds from sale of loans	90	119	39	88	306
Proceeds from surrender of BOLI	0	55	0	0	—
Disposition of operating lease equipment	23	148	100	52	−31
Other investing activities	−62	−53	−30	−41	−24
Net cash provided by (used in) investing activities	−214	410	981	−2,120	−1,638
Net increase in deposits	1,487	1,327	−971	−1,929	1,942
Net decrease in federal funds purchased	0	0	−190	−9	19
Additions to FHLB borrowings	230	875	3,425	4,650	946
Repayments of FHLB borrowings	−1,605	−3,060	−3,730	−1,135	−2,162
Redemption of senior notes	−388	0	0	—	—
Dividends paid	−92	−86	−79	−79	−86
Other financing activities	−5	3	−22	−12	−6
Net cash used in financing activities	−418	−941	−1,622	1,084	335
Net increase (decrease) in cash and cash equivalents	−273	−97	16	258	−83
Interest paid	832	1,032	950	294	169
Income taxes paid, net	148	102	49	−109	248
Transfers from loans to loans held for sale	214	250	361	515	1,064
Transfers from operating lease equipment to equipment held for sale	16	0	21	0	0
Dividends declared, not paid	24	22	21	19	20
Unsettled securities trades, net	0	100	0	0	23
Obligations incurred in acquisition of affordable housing limited partnerships	0	20	20	65	0

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