Bankunited, Inc. · NYSE:BKU
Bankunited — Investor Presentation (February 2026)
9 slides from Bankunited's investor presentation, February 2026
Slide 1: A history of delivering shareholder value and positioned for growth
A history of delivering shareholder value and positioned for growth February 2026
Slide 2: Forward-Looking Statements
Forward-Looking Statements This presentation contains forward-looking statements within the meaning of the Private Securities Litigation Reform Act of 1995 that reflect the current views of BankUnited, Inc. (“BankUnited,” “BKU” or the “Company”) with respect to, among other things, future events and
Slide 3: BankUnited at-a-Glance
BankUnited at-a-Glance Company overview The premier Florida-focused commercial bank with national reach 4Q25 COMPANY HIGHLIGHTS Florida branches (49) Branches outside of Florida (6) Headquarters (Miami Lakes, FL) $35.0bn $3.5bn 3.06% 0.78% Assets Market cap. NIM ROAA Jacksonville FRANCHISE GROWTH (Y
Slide 4: Diverse Deposit Base Built on Core Relationships
Diverse Deposit Base Built on Core Relationships Continuing to transform our deposit mix DEPOSITS BY PRODUCT STRENGTHEN AND DIVERSIFIED OUR DEPOSIT BASE SINCE 2019 December 31, 2025 Deposit portfolio FY2019 to FY2025 | $ in billions 52% Time Demand $4.1 ($0.5) ($3.5) deposits 13% $29.4 $4.8 Noninter
Slide 5: Our Lending Model
Our Lending Model Commercially-focused regional bank with national presence LOANS BY BUSINESS LINE LOAN PORTFOLIO GROWTH AND DIVERSIFICATION SINCE 2019 December 31, 2025 Loan portfolio FY2019 to FY2025 | $ in billions National / Specialty 3% $3.2 $26.4 ($4.2) $2.3 ($0.6) $24.3 $23.2 $0.4 29% $24.3bn
Slide 6: Overview of Long-term Value Drivers
Overview of Long-term Value Drivers Well positioned for continued growth POSITIONED FOR GROWTH RELATIVE TO KRX DELIVERED STRONG EARNINGS GROWTH RETURNED CAPITAL TO SHAREHOLDERS DIVERSIFIED OUR CORE FEE REVENUE MIX³ Diluted EPS growth (FY2023 – FY2025) Book value per share + cumulative dividends² gro
Slide 7: BankUnited Has Consistently Delivered Shareholder Value
BankUnited Has Consistently Delivered Shareholder Value BANKUNITED OUTPERFORMS THE KRX¹ ON TOTAL SHAREHOLDER RETURN… As of January 30, 2026 75.0% 63.1% 61.4% 61.3% 57.6% 55.2% 44.9% 29.1% 17.9% 8.2% KRX1 KRX1 KRX1 KRX1 KRX1 9 Year 7 Year 5 Year 3 Year 1 Year 9 Year 7 Year 5 Year 3 Year 1 Year … AND
Slide 8: BankUnited is an Organic Growth Story
BankUnited is an Organic Growth Story Industry performance metrics impacted by acquisitions over the last 10 years ORGANIC ASSET COMPOSITION (%) COMMON CAPITAL COMPOSITION (%) RETURN ON EQUITY & VALUATION Cumulative acquired assets (10-years) relative to 4Q25 total assets 4Q25 tangible common equity
Slide 9: Shareholder Value Creation
Shareholder Value Creation Delivering ~28% annualized capital growth since our inception SINCE OUR INCEPTION, WE HAVE RETURNED OVER $2.6 BILLION TO SHAREHOLDERS THROUGH DIVIDENDS AND SHARE REPURCHASES ALONE Cumulative capital returns (Common equity + dividends + share buybacks) | $ in millions Commo