MARKETS / NYSE / BBT

NYSE · SAVINGS INSTITUTIONS, NOT FEDERALLY CHARTERED · LARGE CAP

Beacon Financial Corp. BBT

17 fiscal years on record · USD · FY2025 reported · SEC filings only

Revenue

$29.9M

▲ 81.1% YoY

Net income

$90.3M

▲ 31.4% YoY

Free cash flow

$212.2M

▲ 112.2% YoY

In brief

What this company does

The Company offers a wide range of commercial, business and retail banking services, including a full complement of cash management products, foreign exchange services, on-line and mobile banking services, consumer and residential loans and wealth management services. On September 1, 2025, the Company completed its merger of equals with Brookline Bancorp, Inc. (“Legacy Brookline”), pursuant to the Agreement and Plan of Merger, dated as of December 16, 2024, by and among the Company, Commerce Acquisition Sub, Inc. and Legacy Brookline (the “Merger Agreement”). The Company also changed its name from Berkshire Hills Bancorp, Inc. to Beacon Financial Corporation and changed the New York Stock Exchange ticker symbol for its common stock from “BHLB” to “BBT.” The Bank also operates a commercial payment processing business that serves regional and national payroll service bureau customers.

Written from the business description in Beacon Financial Corporation's annual report to the U.S. Securities and Exchange Commission, filed 2 March 2026. Every sentence was checked against that document before publication.

Growth

USD 29.9M

Revenue, FY2025 · full 17-year series below

Revenue $M Net income $M

FY2025 · Revenue 29.9 · Net income 90.3

Compound annual growth

Revenue

−9.8%

−8.6%

−19.7%

−8.1%

Net income

−0.8%

+6.2%

Returned to shareholders

−24.9%

+11.5%

+10.9%

+13.9%

3 yrs

5 yrs

10 yrs

15 yrs

Revenue compounded at −8.6% a year over five years.

Compound annual rates per period — left blank where that exact year isn't on file, the series crosses a loss, or (per-share rows) a split falls inside the window.

Profitability

301 cents

of every revenue dollar became profit

Operating margin Net margin

FY2025 · Operating 406.9% · Net 301.4%

ROE

FY2025 · ROE 4.9%

Gross margin—

Operating margin406.9%

Net margin301.4%

Return on assets0.5%

EBITDAUSD 131.9M

Each USD of equity produced 5 cents of profit this year.

Cash & shareholders

USD 63.1M

returned in FY2025 · dividends + net buybacks

Free cash flow $M

FY2025 · FCF 212.2

Net buybacks $M Dividends $M

FY2025 · Dividends 63.1 · Net buybacks —

Dividends paidUSD 63.1M

Net buybacks—

Share of profit69.9%

Consecutive raises1 years

USD 63.1M in dividends — 70% of the year's profit went back to shareholders.

Total assetsUSD 23.2B

EquityUSD 2.5B

CashUSD 2.0B

Gross debtUSD 788.4M

Net debtUSD -1.3B

DepositsUSD 19.5B

The company holds more cash than debt.

The 17-year record

17 fiscal years

Every figure from documents filed with the SEC · USD

EPS, diluted, dividend per share and shares outstanding are shown without shading, and a vertical line marks the year the share count changed — the series crosses a large, unexplained change in share count, so the years on either side are not on a comparable scale.

row low → row highnegative

Metric	2025	2024	2023	2022	2021	2020	2019	2018	2017	2016	2015	2014	2013	2012	2011	2010	2009
Revenue $B	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.3	0.2	0.2	0.2	0.1	0.1	0.1
Operating income $B	0.1	0.1	0.1	0.1	0.1	−0.5	0.1	·	·	·	·	·	·	·	·	·	·
EBITDA $B	0.1	0.1	0.1	0.1	0.2	−0.5	·	·	·	·	·	·	·	·	·	·	·
Income tax $B	0.0	0.0	0.0	0.0	0.0	−0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	−0.0
Net income $B	0.1	0.1	0.1	0.1	0.1	−0.5	0.1	0.1	0.1	0.1	0.0	0.0	0.0	0.0	0.0	0.0	−0.0
Free cash flow $B	0.2	0.1	0.1	0.1	0.1	0.2	0.1	0.2	0.1	0.1	0.1	0.0	0.1	0.0	0.0	0.0	0.0
EPS, diluted $	1.03	0.77	0.85	2.02	2.39	−10.60	1.97	2.29	1.39	1.88	1.73	1.36	1.65	1.49	0.97	0.98	−1.51
Dividend / sh $	0.73	0.54	0.54	0.54	0.48	0.72	0.92	0.88	0.84	0.80	0.76	0.72	0.72	0.69	0.65	0.64	0.64
Payout %	70	70	64	27	21	−7	46	39	60	42	44	54	44	·	68	65	−53
ROE %	4.9	5.7	6.8	8.5	10.0	−36.2	5.9	6.9	4.3	5.9	6.2	4.9	6.1	·	3.7	3.6	−4.1
Shares out B	·	0.05	0.04	0.04	0.05	0.05	0.05	0.05	0.05	0.00	0.03	0.03	0.03	0.03	0.02	0.01	·

Slide the table for earlier years · "·" marks a figure not available in our data for that year.

Provenance

Company facts, as filed

How we verify · 0 failures in 50 reconciliationsAUDITED

Reconciled in 17 of 19 fiscal years. 7 checks could not be computed.

EPS recomputationBalance-sheet identityGross profitBalance-sheet liquiditymoeda_consistente0 failures

ActivitySavings Institutions, Not Federally Chartered

Listed onNYSE

Incorporated inDelaware

Fiscal year endsDecember 31

Data on record since2009