Sep 2026 (Q3 FY26) — Oct 21, 2026
BankUnited, Inc. Q3 FY26 — Strong NIM Expansion and Capital Returns
Read the full callBankUnited earnings: last reported Wed, 21 Oct 2026, for the quarter ended Sep 2026.
Reported
Each figure keeps its basis and period; nothing is filled in.
| Metric | Value | Change | Basis | Period | Note |
|---|---|---|---|---|---|
| Revenue | 6.3 | +18.5% YoY | Quarterly, as filed | Quarter to Jun 2026 | Revenue from operations as filed. |
| Operating margin | Operating profit / revenue | Quarter to Jun 2026 | Not in the filed figures for the quarter to jun 2026. No older figure is substituted. | ||
| Net profit | 70.7 | +2.8% YoY | Quarterly, as filed | Quarter to Jun 2026 | Profit after tax as filed. |
Guidance
12 targets tracked, none judged yet · 12 open · verdicts reflect calls analysed to Sep 2026.
| Target | Original wording | Said | Latest call | Verdict |
|---|---|---|---|---|
| Average NIDDA balance growth | Average NIDDA balance growth of 13% (raised from 12%) | Jun 2026 | We still have 10% growth in NIDDA year-over-year, talking about averages. | On Track |
12 of BankUnited, Inc.'s 12 targets are still open. See which are on track and which have gone quiet. The 1 above are the free sample; 11 more targets are in the full ledger.
Claimed
Qualified
Price
1Y: $37.46 on 22 Oct 2025 → $43.57. High $50.93 (6 Feb 2026), low $36.89 (23 Oct 2025).
Overview
Guidance
12 targets tracked, none judged yet · 12 open · verdicts reflect calls analysed to Sep 2026.
| Target | Original wording | Said | Latest call | Verdict |
|---|---|---|---|---|
| Average NIDDA balance growth | Average NIDDA balance growth of 13% (raised from 12%) | Jun 2026 | We still have 10% growth in NIDDA year-over-year, talking about averages. | On Track |
Claimed
Qualified
The full ledger
A free account opens 5 company ledgers a month. All 12 tracked commitments, with each call’s wording and source.
Call summaries
BankUnited, Inc. Q3 FY26 — Strong NIM Expansion and Capital Returns
Read the full callBankUnited Q2 FY26 — Record NIDDA, Disciplined Lending Amidst Competition
Read the full callEvery analysed call
Financials
Net profit, year on year: +3% (quarter to jun 2026 against jun 2025).
| Line item | Sep 2024 | Dec 2024 | Mar 2025 | Jun 2025 | Sep 2025 | Dec 2025 | Mar 2026 | Jun 2026 |
|---|---|---|---|---|---|---|---|---|
| Sales | 5 | 5 | 5 | 5 | 5 | 6 | 6 | 6 |
| Interest | 258 | — | — | — | — | — | — | — |
| Profit before tax | 83 | 93 | 80 | 94 | 98 | 90 | 82 | 94 |
| Tax rate | 26.1% | 25.5% | 27.0% | 26.8% | 26.6% | 22.9% | 24.3% | 25.1% |
| Net profit | 61 | 69 | 58 | 69 | 72 | 69 | 62 | 71 |
| EPS ($ per share) | 0.82 | 0.92 | 0.78 | 0.91 | 0.96 | 0.91 | 0.83 | 0.97 |
| Line item | Dec 2018 | Dec 2019 | Dec 2020 | Dec 2021 | Dec 2022 | Dec 2023 | Dec 2024 | Dec 2025 |
|---|---|---|---|---|---|---|---|---|
| Equity capital | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 |
| Reserves | 1,698 | 1,928 | 2,014 | 2,345 | 2,551 | 2,651 | 2,796 | 2,971 |
| Total liabilities | 29,240 | 29,891 | 32,027 | 32,778 | 34,591 | 33,184 | 32,427 | 31,986 |
| Fixed assets | 66 | 58 | 60 | 57 | 66 | 65 | 61 | 61 |
| Total assets | 32,164 | 32,871 | 35,010 | 35,815 | 37,027 | 35,762 | 35,242 | 35,039 |
| Line item | Dec 2018 | Dec 2019 | Dec 2020 | Dec 2021 | Dec 2022 | Dec 2023 | Dec 2024 | Dec 2025 |
|---|---|---|---|---|---|---|---|---|
| Cash from operations | 824 | 636 | 864 | 1,220 | 1,294 | 657 | 434 | 359 |
| Cash from investing | -2,042 | -1,075 | -2,621 | -1,638 | -2,120 | 981 | 410 | -214 |
| Cash from financing | 1,405 | 272 | 1,940 | 335 | 1,084 | -1,622 | -941 | -418 |
| Net cash flow | 187 | -167 | 183 | -83 | 258 | 16 | -97 | -273 |
| KPI | Jun 2026 Q2 FY26 | Sep 2026 Q3 FY26 | Change vs prior quarter |
|---|---|---|---|
| Common equity tier 1 ratio (CET1) | 12.3%Capital, again, CET1 was 12.3%, up 10 bps.Source: earnings call transcript | 12.1%And having done that, CET1 still remains robust at 12.1%.Source: earnings call transcript | -0.2 pt |
Operating figures the company stated on at least two of the calls shown, checked against each call's transcript. Click a figure to read the sentence. A dash means it was not stated that quarter.
29 filings between Feb 3, 2026 and Aug 20, 2026.
Purchases
None
No insider bought shares.
Sales
$975.8K
6 sales by 5 insiders
Also filed: 3 dispositions to the issuer.
| Insider | Bought | Sold | Last filing |
|---|---|---|---|
| Richards Jay D. | — | $369.4K | Jun 15, 2026 |
| SOBTI SANJIV | — | $254.4K | Feb 9, 2026 |
| Malcolm Kevin A. | — | $162.4K | Mar 4, 2026 |
| PAULS DOUGLAS J | — | $143.7K | Aug 13, 2026 |
| DiGiacomo John N. | — | $46.0K | Jun 1, 2026 |
| Date | Insider | What | Shares | Value |
|---|---|---|---|---|
| Aug 20, 2026 | Mackey James G. Chief Financial Officer | Option exercise | 8,937 | $0 |
| Aug 20, 2026 | Mackey James G. Chief Financial Officer | Tax withheld | 3,517 | $164.7K |
| Aug 13, 2026 | PAULS DOUGLAS J Director | Sale | 3,000 | $143.7K |
| Jun 15, 2026 | Richards Jay D. Officer of Subsidiary | Sale | 4,000 | $194.7K |
| Jun 1, 2026 | DiGiacomo John N. Director | Sale | 1,000 | $46.0K |
| May 21, 2026 | Wines Lynne Director | Award | 1,511 | $0 |
| May 21, 2026 | DOWLING MICHAEL J. Director | Award | 1,511 | $0 |
| May 21, 2026 | SOBTI SANJIV Director | Award | 1,511 | $0 |
| May 21, 2026 | Smith-Baugh Germaine Director | Award | 1,511 | $0 |
| May 21, 2026 | Blanca Tere Director | Award | 1,511 | $0 |
| May 21, 2026 | DiGiacomo John N. Director | Award | 1,511 | $0 |
| May 21, 2026 | PAULS DOUGLAS J Director | Award | 2,267 | $0 |
| May 21, 2026 | Rubenstein William S. Director | Award | 1,511 | $0 |
| Mar 9, 2026 | Singh Rajinder P President and CEO | Option exercise | 125,012 | $0 |
| Mar 9, 2026 | Singh Rajinder P President and CEO | Option exercise | 64,864 | $0 |
| Mar 9, 2026 | Singh Rajinder P President and CEO | Disposition to issuer | 189,876 | $8.50M |
| Mar 9, 2026 | Bansal Rishi Officer of Subsidiary | Option exercise | 32,504 | $0 |
| Mar 9, 2026 | Bansal Rishi Officer of Subsidiary | Option exercise | 16,866 | $0 |
| Mar 9, 2026 | Bansal Rishi Officer of Subsidiary | Disposition to issuer | 49,370 | $2.21M |
| Mar 9, 2026 | Cornish Thomas M. Chief Operating Officer | Option exercise | 55,132 | $0 |
| Mar 9, 2026 | Cornish Thomas M. Chief Operating Officer | Option exercise | 28,604 | $0 |
| Mar 9, 2026 | Cornish Thomas M. Chief Operating Officer | Disposition to issuer | 83,736 | $3.75M |
| Mar 4, 2026 | Malcolm Kevin A. Insider | Sale | 3,447 | $162.4K |
| Mar 1, 2026 | Malcolm Kevin A. Insider | Award | 4,000 | $0 |
| Mar 1, 2026 | Malcolm Kevin A. Insider | Tax withheld | 1,303 | $60.9K |
| Mar 1, 2026 | Richards Jay D. Officer of Subsidiary | Award | 14,000 | $0 |
| Mar 1, 2026 | Richards Jay D. Officer of Subsidiary | Tax withheld | 5,185 | $242.1K |
| Feb 9, 2026 | SOBTI SANJIV Director | Sale | 5,000 | $254.4K |
| Feb 3, 2026 | Richards Jay D. Officer of Subsidiary | Sale | 3,506 | $174.7K |
| Jul 25, 2025 | Richards Jay D. Officer of Subsidiary | Sale | 3,942 | $153.0K |
| Jul 25, 2025 | PAULS DOUGLAS J Director | Sale | 3,500 | $135.8K |
| May 28, 2025 | DiGiacomo John N. Director | Sale | 1,000 | $34.4K |
| May 22, 2025 | PAULS DOUGLAS J Director | Award | 3,051 | $0 |
| May 22, 2025 | DiGiacomo John N. Director | Award | 2,034 | $0 |
| May 22, 2025 | Wines Lynne Director | Award | 2,034 | $0 |
| May 22, 2025 | Blanca Tere Director | Award | 2,034 | $0 |
| May 22, 2025 | Rubenstein William S. Director | Award | 2,034 | $0 |
| May 22, 2025 | SOBTI SANJIV Director | Award | 2,034 | $0 |
| May 22, 2025 | DOWLING MICHAEL J. Director | Award | 2,034 | $0 |
| May 22, 2025 | Smith-Baugh Germaine Director | Award | 2,034 | $0 |
| May 7, 2025 | LUNAK LESLIE Chief Financial Officer | Sale | 2,224 | $74.8K |
| May 6, 2025 | LUNAK LESLIE Chief Financial Officer | Sale | 22,776 | $764.3K |
| Mar 13, 2025 | SOBTI SANJIV Director | Purchase | 1,000 | $32.8K |
| Mar 12, 2025 | LUNAK LESLIE Chief Financial Officer | Option exercise | 19,737 | $0 |
| Mar 12, 2025 | Bansal Rishi Officer of Subsidiary | Option exercise | 20,526 | — |
| Mar 12, 2025 | Bansal Rishi Officer of Subsidiary | Disposition to issuer | 20,526 | $666.1K |
| Mar 12, 2025 | LUNAK LESLIE Chief Financial Officer | Disposition to issuer | 19,737 | $640.5K |
| Mar 12, 2025 | Cornish Thomas M. Chief Operating Officer | Option exercise | 34,816 | $0 |
| Mar 12, 2025 | Cornish Thomas M. Chief Operating Officer | Disposition to issuer | 34,816 | $1.13M |
| Mar 12, 2025 | Singh Rajinder P President and CEO | Option exercise | 78,944 | $0 |
Source: SEC Form 4 filings. Form 4 reports transactions, not the cap table — absence of filings says nothing about how much an insider owns, and a quiet window is not a signal.
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