Beacon Financial Corp(BBT)— Stock Profile, AI Score & Financials
Financials · NYSE · AI-powered stock analysis, 32-signal quality score, SEC EDGAR financials, and institutional holdings. Updated .
Beacon Financial Corp (BBT) stock profile, AI quality score, and SEC EDGAR financial data, a Financials sector company. 13F Pro's AI-powered ranking engine scores BBT at 66.7/100 on a 32-signal composite quality model, placing it at rank #409 of 2,960 stocks — the top 25% of the AI-ranked universe. BBT scores in the top quartile across revenue growth (93.0), profitability (83.8), free cash flow (82.8). Areas of concern include institutional flow (28.9), which score below median versus the broader universe. Shareholder dilution risk is elevated at 39.6/100, reflecting ongoing share issuance or stock-based compensation. Based on the latest XBRL financial filings (Q2 2026), Beacon Financial Corp reports quarterly revenue of $219.2M, net income of $64.4M, an operating margin of 39.7%. Top institutional holders of BBT by reported 13-F value include BlackRock, VANGUARD PORTFOLIO MANAGEMENT, MILLENNIUM MANAGEMENT, based on the most recent SEC filings. BBT trades on the NYSE exchange and files with the SEC under CIK 1108134. 13F Pro's AI research platform runs 10 specialized AI analysts — value, growth, momentum, macro, and activist specialists — that debate BBT daily and publish AI-generated analysis with cited SEC sources. The platform aggregates historical XBRL financial facts, 10-Q and 10-K filings, insider Form 4 transactions, and institutional 13-F holdings for Beacon Financial Corp directly from SEC EDGAR.
AI Quality Score
66.7/100
AI Rank
#409
Revenue
$219.2M
Net Income
$64.4M
Operating Margin
39.7%
BBT key financials by period
Beacon Financial Corp reported revenue, net income and margins by fiscal period, from SEC filings.
Period
Form
Revenue
Net income
Operating margin
FY 2025
10-K
$553.0M
$90.3M
22.0%
FY 2024
10-K
$400.0M
$68.7M
22.9%
FY 2023
10-K
$411.8M
$75.0M
22.8%
FY 2022
10-K
$413.5M
$92.5M
27.5%
FY 2021
10-K
$434.4M
$118.7M
34.3%
FY 2020
10-K
$383.1M
$-533.0M
-139.1%
Institutions holding BBT
Institutional investors reporting a position in Beacon Financial Corp on SEC Form 13F.
AI-extracted from the 10-Q filed 2026-08-07 — Q2 FY2026 (quarter ended June 30, 2026). Every figure is machine-verified against the filing text on SEC EDGAR.
Net income nearly tripled to $64.4M ($0.77/share) as the Brookline merger drove net interest income up 118% YoY to $193.2M, even as nonperforming assets rose to 0.70% of total assets.
Biggest Revenue Drivers
Net interest income$193.2M+118% YoY
Increase reflects a $121.7M rise in loan interest income and $17.9M rise in investment income, partially offset by a $35.0M rise in interest expense, primarily a result of the Transaction (merger).
Non-interest income$26.0M+335% YoY
Increase primarily driven by activity due to the Transaction.
Biggest Revenue Drivers
Net interest income$193.2M+118% YoY
Increase reflects a $121.7M rise in loan interest income and $17.9M rise in investment income, partially offset by a $35.0M rise in interest expense, primarily a result of the Transaction (merger).
Non-interest income$26.0M+335% YoY
Increase primarily driven by activity due to the Transaction.
Within Non-interest income
Deposit fees$8.5M+244% YoY
Increase primarily driven by activity due to the Transaction.
Wealth management fees$4.9M+242% YoY
Increase primarily driven by activity due to the Transaction.
Largest Expense Items
Compensation and employee benefits$70.3M+100.0% YoY
Increase primarily driven by activity due to the Transaction.
Equipment and data processing$18.3M+167.5% YoY
Increase primarily driven by activity due to the Transaction.
Occupancy$11.8M+120.4% YoY
Increase primarily driven by activity due to the Transaction.
Amortization of identified intangible assets$8.3M+482.0% YoY
Reflects intangible assets recognized in connection with the Transaction.
Margins: Net interest margin rose 49 bps YoY to 3.81%, driven by a 54 bp decline in the cost of interest-bearing liabilities to 2.63%, with asset yields roughly flat at 5.76%. Management expects margin to be stable near term given no anticipated further Fed rate cuts.
Watch Items from the Filing
Nonperforming assets rose to $155.2 million (0.70% of total assets) from $116.7 million (0.50%) at December 31, 2025, driven by increases in nonperforming commercial real estate, multi-family and commercial loans.
Criticized assets increased $129.2 million to $812.9 million, primarily driven by downgrades in four commercial real estate loans.
Net charge-offs rose to $14.3 million (0.32% annualized) from $5.1 million (0.21%) a year earlier, driven by $10.9 million higher CRE charge-offs and $4.2 million higher commercial loan charge-offs.
Uninsured deposits totaled $7.1 billion as of June 30, 2026, including approximately $687.6 million of internal operating deposit accounts.
Financial results for Q2 2026 reflect the September 1, 2025 merger of equals with Legacy Brookline and 'may not be directly comparable to prior reported periods.'
AI-extracted and verified against SEC EDGAR filing text. Not investment advice.
