Beacon Financial Corporation (BBT)

Beacon Financial Income Statement

Financials in millions USD. Fiscal year is January - December.

Fiscal Year	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Net Interest Income	503.11	329.59	339.71	344.6	291.17
Net Interest Income Growth	52.65%	-2.98%	-1.42%	18.35%	-8.09%
Non-Interest Income	49.89	25.62	31.93	68.94	143.25
Non-Interest Income Growth	94.78%	-19.79%	-53.68%	-51.88%	116.04%
Revenues Before Loan Losses	553	355.2	371.65	413.53	434.41
Provision for Credit Losses	0.01	-0.36	0.34	-	-
Revenue	552.99	355.56	371.31	413.53	434.41
Revenue Growth (YoY)	55.53%	-4.24%	-10.21%	-4.81%	13.40%
Compensation Expenses	191.2	143.72	138.9	152.74	150.59
Selling, General & Admin	88.65	61.8	59.16	90.37	94.19
Other Non-Interest Expenses	109.89	36.34	41.47	45.61	41.11
Total Non-Interest Expense	389.75	241.87	239.52	288.72	285.89
Pretax Income	163.24	113.69	131.78	124.82	148.52
Provision for Income Taxes	31.59	22.98	18.92	21.29	30.36
Net Income	90.27	68.72	75	92.53	118.66
Net Income to Common	90.27	68.72	75	92.53	118.66
Net Income Growth	31.37%	-8.38%	-18.95%	-22.02%	-
Shares Outstanding (Basic)	87	89	88	46	49
Shares Outstanding (Diluted)	88	89	88	46	50
Shares Change (YoY)	-1.79%	0.96%	92.64%	-7.35%	-1.42%
EPS (Basic)	1.03	0.77	0.85	2.03	2.41
EPS (Diluted)	1.03	0.77	0.85	2.02	2.39
EPS Growth	33.77%	-9.41%	-57.92%	-15.48%	-
Free Cash Flow	212.16	99.97	104.24	109.24	83.18
Free Cash Flow Growth	112.22%	-4.10%	-4.58%	31.33%	-62.26%
Free Cash Flow Per Share	2.42	1.12	1.18	2.38	1.68
Dividends Per Share	0.915	0.540	0.540	0.530	0.480
Dividend Growth	69.44%	-	1.89%	10.42%	4.35%
Profit Margin	17.65%	20.58%	22.52%	22.99%	27.28%
FCF Margin	41.47%	29.94%	31.29%	27.14%	19.13%
EBITDA	9.55	7.89	8.16	9.58	11.04
EBITDA Margin	1.87%	2.36%	2.45%	2.38%	2.54%
Effective Tax Rate	25.93%	24.96%	20.21%	18.70%	20.37%

Updated Dec 31, 2025. Data Source: Fiscal.ai. Banks template. Financial Sources.