Short answer
BankUnited, Inc. (BKU) filed its fiscal 2025 10-K annual report with the SEC on Feb 26, 2026. It reported revenue of $22M (+7.4% year over year) and net income of $268M.
- Top risk flagged: ACL sensitive to macroeconomic scenarios; downside scenario could increase allowance for credit losses by $111 million
FY2025 key financial metrics · XBRL
- Revenue
- $22M
- +7.4% YoY
- Net income
- $268M
- +15.4% YoY
- EPS (diluted)
- $3.53
- +14.6% YoY
- ROE
- 8.8%
- +0.5 pp YoY
- Operating cash flow
- $359M
- −17.3% YoY
Source: XBRL data from the BankUnited, Inc. (BKU) FY2025 10-K on SEC EDGAR. USD.
BankUnited, Inc. FY2025 10-K analysis
AI summary of each section, grounded in the filing text
Business Overview
- Core business model: regional bank providing deposit, lending, and financial services with emphasis on regulatory compliance and risk management
- Emphasis on enhanced anti-money laundering programs and data privacy compliance under evolving regulations in FY2026
- Strategic growth dependent on regulatory approval for acquisitions and de novo branch expansions, with increased regulatory scrutiny noted this year
- Heightened focus on managing FDIC insurance premium risks amid potential future assessment increases affecting financial condition
- Noteworthy regulatory risk management framework limitations acknowledged, highlighting vulnerability to unknown or unanticipated risks impacting results
Management Discussion & Analysis
- No profitability or margin figures provided
- No segment performance data given
- No cash flow, buybacks, dividends, or capex dollar amounts mentioned
- Forward-looking risks: competition for deposits, economic conditions, interest rate uncertainty, ability to grow core client relationships, talent attraction, and technology delivery
Risk Factors
- ACL sensitive to macroeconomic scenarios; downside scenario could increase allowance for credit losses by $111 million
- Exposure to U.S. commercial real estate loans with ACL to CRE office loans at 2.03% amid uncertain collateral values
- Wholesale funding reliance reduced, but FHLB advances still represent $2.9 billion as of December 31, 2025
- Competitive pressure on deposit pricing from lower Federal funds rate causing average deposit costs to decline to 3.39% in 2025
- Key-person risk in credit loss estimation due to reliance on management’s complex judgment and modeling for ACL calculations
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