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BBT

Beacon Financial Corp.

BBT

Beacon Financial Corp. • NYSE
$25.59 ▼ -0.04% (-0.01)
Market Cap $2.15 B
52w High $31.11
52w Low $22.27
Dividend Yield 1.29%
P/E 121.86
Volume 300.42K
Outstanding Shares 84.13M

Income Statement

Period Revenue Operating Expense Net Income Net Profit Margin Earnings Per Share EBITDA
Q2-2025 $160.039M ▲ $58.061M ▼ $22.026M ▲ 13.763% ▲ $0.6 ▲ $32.922M ▲
Q1-2025 $159.376M ▼ $60.022M ▼ $19.1M ▲ 11.984% ▲ $0.5 ▲ $28.742M ▲
Q4-2024 $164.838M ▼ $63.719M ▲ $17.536M ▼ 10.638% ▼ $0.46 ▼ $27.398M ▼
Q3-2024 $166.08M ▲ $57.948M ▼ $20.142M ▲ 12.128% ▲ $0.55 ▲ $30.352M ▲
Q2-2024 $161.79M $59.184M $16.372M 10.119% $0.43 $25.272M

Balance Statement

Period Cash & Short-term Total Assets Total Liabilities Total Equity
Q2-2025 $604.335M ▼ $11.569B ▲ $10.315B ▲ $1.254B ▲
Q1-2025 $1.24B ▼ $11.52B ▼ $10.28B ▼ $1.24B ▲
Q4-2024 $1.439B ▲ $11.905B ▲ $10.683B ▲ $1.222B ▼
Q3-2024 $1.263B ▲ $11.677B ▲ $10.446B ▲ $1.23B ▲
Q2-2024 $1.199B $11.635B $10.437B $1.198B

Cash Flow Statement

Period Net Income Cash From Operations Cash From Investing Cash From Financing Net Change Free Cash Flow
Q2-2025 $30.366M ▲ $41.214M ▲ $-44.095M ▼ $-20.725M ▲ $0 ▲ $39.007M ▲
Q1-2025 $19.1M ▲ $8.014M ▼ $172.859M ▲ $-366.997M ▼ $-186.124M ▼ $8.014M ▼
Q4-2024 $17.536M ▼ $43.486M ▲ $-88.496M ▼ $180.791M ▲ $135.781M ▲ $41.674M ▲
Q3-2024 $20.142M ▲ $24.362M ▼ $-7.23M ▲ $47.673M ▼ $64.805M ▲ $23.849M ▼
Q2-2024 $16.372M $28.266M $-61.631M $74.563M $41.198M $27.608M

Five-Year Company Overview

Income Statement

Income Statement Revenue has been climbing steadily over the last few years, but profits have not kept pace. Profit margins were strongest a few years ago and have gradually narrowed, suggesting that costs, credit expenses, or integration work are eating into earnings. Earnings per share have drifted down from earlier highs, indicating some pressure on overall profitability despite a larger business base. Overall, the company is growing its top line but not yet turning that growth into stronger bottom-line results.

Balance Sheet

Balance Sheet The balance sheet has expanded meaningfully, with total assets rising over time and shareholders’ equity also edging higher. Cash levels recently improved from a weaker point, which gives a bit more flexibility. However, debt has moved up noticeably after a period of being more restrained, meaning the business is now more leveraged than it was a year ago. In simple terms, the company is bigger and somewhat stronger in capital, but is leaning more on borrowing to support that growth.

Cash Flow

Cash Flow Underlying cash generation from the core business has been steady but not accelerating. The company consistently produces positive free cash flow, helped by relatively light spending on physical investment. That means cash inflows from operations have generally been enough to cover day‑to‑day needs and small investments with some room to spare. The story here is stability rather than rapid improvement: dependable, but not yet showing a clear upward shift in cash strength.

Competitive Edge

Competitive Edge Beacon Financial is positioning itself as a super‑regional player in the Northeast, with a footprint spanning New England and New York. The merger that created the company gives it more scale, a broader branch network, and a richer mix of businesses, including commercial banking, retail banking, wealth management, and specialized lending. Its edge lies in combining local, relationship‑driven banking with the resources of a larger regional institution. The key competitive risks are successful integration of the merging banks, maintaining service quality during the transition, and standing out against both national banks and digital‑first competitors in an already crowded market.

Innovation and R&D

Innovation and R&D Innovation is focused on better digital banking and stronger risk management rather than classic laboratory-style R&D. Beacon is signaling an intent to upgrade client-facing technology, unify and enhance mobile and online platforms, and use more sophisticated tools to manage risk. Being recognized as a “Risk Innovator” points to some early strength in how it measures and controls risk. However, many of the promised enhancements are still in development and tied to the full systems integration expected around 2026, so there is execution risk: the upside is meaningful if they deliver, but the benefits are not yet fully visible in current results.

Summary

Beacon Financial is in the middle of a transition from smaller legacy banks to a larger, more capable regional institution. Revenue and the balance sheet are growing, but profitability has softened compared with earlier years, and leverage has increased as the company scales. Cash flows are stable and positive, providing a solid base, though not yet showing strong growth. Competitively, Beacon benefits from deeper roots in attractive Northeastern markets, a wider branch and product set, and a plan to blend local service with better technology. The big swing factor over the next few years will be how well it executes its integration and technology roadmap: success could unlock meaningful efficiency and revenue gains, while missteps could keep returns and profitability under pressure.

NEWS

October 29, 2025 · 4:05 PM UTC

Beacon Financial Corporation Announces Third Quarter Results Reflecting One-Time Costs Associated with the Merger of Equals between Berkshire Hills Bancorp, Inc. and Brookline Bancorp, Inc.

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October 6, 2025 · 4:05 PM UTC

Beacon Financial Corporation Announces Third Quarter 2025 Earnings Release Date and Conference Call

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September 2, 2025 · 8:30 AM UTC

Beacon Financial Corporation Completes Merger of Equals between Berkshire Hills Bancorp and Brookline Bancorp

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