BankUnited (BKU) Q3 Earnings: Taking a Look at Key Metrics Versus Estimates

By Zacks Equity Research | October 22, 2025, 9:30 AM

For the quarter ended September 2025, BankUnited, Inc. (BKU) reported revenue of $275.68 million, up 7.3% over the same period last year. EPS came in at $0.95, compared to $0.81 in the year-ago quarter.

The reported revenue compares to the Zacks Consensus Estimate of $279.77 million, representing a surprise of -1.46%. The company delivered an EPS surprise of +13.1%, with the consensus EPS estimate being $0.84.

While investors scrutinize revenue and earnings changes year-over-year and how they compare with Wall Street expectations to determine their next move, some key metrics always offer a more accurate picture of a company's financial health.

As these metrics influence top- and bottom-line performance, comparing them to the year-ago numbers and what analysts estimated helps investors project a stock's price performance more accurately.

Here is how BankUnited performed in the just reported quarter in terms of the metrics most widely monitored and projected by Wall Street analysts:
  • Net charge-offs to average loans: 0.3% compared to the 0.3% average estimate based on two analysts.
  • Net Interest Margin: 3% versus the two-analyst average estimate of 3%.
  • Average Interest-Earning Assets: $33.73 billion versus the two-analyst average estimate of $34.03 billion.
  • Deposit service charges and fees: $5.39 million versus $5.25 million estimated by two analysts on average.
  • Net Interest Income (FTE basis): $253.69 million versus $258.38 million estimated by two analysts on average.
  • Other non-interest income: $16.03 million compared to the $15.36 million average estimate based on two analysts.
  • Total Non-Interest Income: $25.57 million versus the two-analyst average estimate of $25.07 million.
  • Lease financing: $4.15 million versus the two-analyst average estimate of $4.47 million.
  • Net interest income before provision for credit losses: $250.11 million versus the two-analyst average estimate of $254.68 million.

View all Key Company Metrics for BankUnited here>>>

Shares of BankUnited have returned -4% over the past month versus the Zacks S&P 500 composite's +1.1% change. The stock currently has a Zacks Rank #3 (Hold), indicating that it could perform in line with the broader market in the near term.

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This article originally published on Zacks Investment Research (zacks.com).

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