Beacon Financial Corp.

Beacon Financial Corp.

BBT
Beacon Financial Corp.US flagNew York Stock Exchange
29.79
USD
-0.66
- -
2.50BMarket Cap
2013 Y
2014 Y
2015 Y
2016 Y
2017 Y
2018 Y
2019 Y
2020 Y
2021 Y
2022 Y
2023 Y
2024 Y
2025 Y
TTM
Revenue per Share
6.54
7.07
7.29
7.67
8.17
8.16
8.46
8.59
9.45
10.13
10.02
9.51
6.33
9.24
Basic EPS, GAAP
1.23
1.47
1.69
1.77
1.61
2.45
2.59
1.43
3.52
3.39
2.02
1.84
1.03
1.6
Free Cash Flow per Basic Share
1.96
2.6
2.03
2.46
2.35
3.58
2.92
3.3
3.92
3.5
2.81
2.67
2.43
2.61
Dividend per Share
0.81
0.81
0.85
0.86
0.86
0.94
1.05
1.1
1.14
1.24
1.29
1.29
0.72
1.07
Book Value per Share
2.24
2.91
3.75
4.66
5.18
6.39
7.96
8.01
10.49
12.75
11.87
12.31
5.57
6.92
Tangible Book Value per Share
15.81
16.86
17.83
18.87
21.38
22.24
23.33
23.47
25.42
25.64
25.18
25.77
22.36
26.91
Basic Weighted Avg Shares
29
29
29
30
31
33
33
33
33
32
37
37
87
73
Sales/Revenue/Turnover
192
208
215
226
255
273
283
285
309
328
371
356
553
676
Operating Margin (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Depreciation Expense
11
10
10
10
9
9
9
7
7
7
16
15
25
33
Net Income, GAAP
36
43
50
52
51
83
88
48
115
110
75
69
90
117
Effective Tax Rate (%)
35.34
36.71
35.92
35.5
44.87
23.23
24.36
23.26
25.33
21.58
20.14
25.06
25.92
27.69
Profit Margin (%)
18.77
20.84
23.2
23.14
19.78
30.43
30.99
16.73
37.32
33.46
20.2
19.33
16.32
17.36
Working Capital
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
LT Debt
813
1,126
983
1,044
1,021
921
928
844
378
1,452
1,409
207
335
1,165
Total Equity
618
647
673
703
813
911
946
942
995
992
1,199
1,222
2,496
2,505
Return on Invested Capital (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Return on Capital (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Return on Common Equity (%)
60.14
57.23
50.79
42.25
33.59
43.73
36.15
17.79
37.9
29.02
17.59
15.28
19.07
24.14

Capital Structure

FRC

in mil. unless spec.
Sep'25
Dec'25
Mar'26
ST Debt
- -
544
- -
LT Borrowings
1,081
244
1,073
LT Finance Leases
92
91
93
Preferred Equity and Hybrid Capital
- -
- -
- -
Shares Outstanding
84
84
84
Market Capitalization
1,184
1,623
2,194

Working Capital

FRC

in mil. unless spec.
Sep'25
Dec'25
Mar'26
Total Current Assets
- -
- -
- -
Cash, Cash Equivalents & STI
1,660
3,730
1,532
Accounts Receivable, Net
- -
- -
- -
Inventories
- -
- -
- -
Total Current Liabilities
- -
- -
- -
Payables & Accruals
- -
- -
- -
ST Debt
- -
544
- -
Deferred Revenue
- -
- -
- -

Growth Rates

FRC

in mil. unless spec.

(avg. rate of change)

10 years
5 years
1 year
Total Equity
16.79%
26.48%
104.27%
Free Cash Flow
18.48%
21.11%
112.22%
Net Income, GAAP
15.47%
25.75%
31.37%
Sales/Revenue/Turnover
10.87%
15.83%
55.53%
Total Cash Common Dividend
10.07%
12.4%
31.34%

Quarterly Revenue

FRC

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
88
86
90
92
356
2025
91
95
145
222
553
2026
215
- -
- -
- -
- -

Quarterly Earnings Per Share

FRC

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
0.39
0.44
0.54
0.47
1.84
2025
0.51
0.59
-0.57
1.19
1.03
2026
0.55
- -
- -
- -
- -

Quarterly Dividends Per Share

FRC

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
0.32
0.32
0.32
0.32
1.29
2025
0.32
0.32
0.14
0.32
0.72
2026
0.32
- -
- -
- -
- -

Company Description

MCPAPIChat
CEO
Paul A. Perrault
Full Time Employees
951
Sector
Financial Services
Industry
Asset Management
Address
131 Clarendon Street Boston MA United States of America 02116
IPO Date
Dec 6, 2019
Business
Beacon Financial Corporation Beacon Financial Corporation (NYSE: BBT) serves as the holding company for Beacon Bank & Trust, commonly known as Beacon Bank, a full-service regional bank offering commercial and retail banking solutions throughout New England and New York; the company maintains $24 billion in assets across more than 145 branches and provides deposit products including demand deposits, interest-bearing checking accounts, savings accounts, money market accounts, certificates of time deposit, and retirement accounts. Beacon Bank delivers a comprehensive suite of lending services encompassing commercial real estate loans, commercial and industrial loans, residential mortgages, consumer loans, asset-based lending, equipment financing through its Eastern Funding subsidiary, and Small Business Administration (SBA) lending via its 44 Business Capital division; it also offers cash management, online and mobile banking, private wealth management through Clarendon Private with over $3 billion in assets under management, investment products, brokerage services, trust administration, financial planning, and commercial payment processing. The bank operates through established divisions including Berkshire Bank, Brookline Bank, BankRI, and PCSB Bank, targeting personal, commercial, non-profit, and municipal customers with tailored solutions such as revolving lines of credit, letters of credit, overdraft programs, and debit card services. Founded in 1846 and headquartered at 131 Clarendon Street in Boston, Massachusetts, Beacon Financial Corporation completed a merger of equals with Berkshire Hills Bancorp, Inc. and Brookline Bancorp, Inc. on September 1, 2025, creating the combined entity and resulting in a name change from its prior incarnation; this strategic combination enhances scale, generates expected synergies in cost efficiencies and revenue growth, and prompted significant insider buying totaling $6.8 million by the CFO and directors in early November 2025 amid post-merger integration, with Q3 2025 results showing net interest income of $132.61 million exceeding expectations by 46% and a net interest margin of 3.7%.

Company News

MCPAPIChat
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  • Beacon Financial Corporation Announces Fourth Quarter Results

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

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  • Beacon Financial Corporation (BBT) Q3 2025 Earnings Call Transcript