Beacon Financial Past Earnings Performance
Past criteria checks 2/6
Beacon Financial's earnings have been declining at an average annual rate of -1.4%, while the Banks industry saw earnings growing at 4% annually. Revenues have been growing at an average rate of 26.2% per year. Beacon Financial's return on equity is 6.3%, and it has net margins of 21%.
Key information
-1.36%
Earnings growth rate
-4.44%
EPS growth rate
| Banks Industry Growth | 11.18% |
| Revenue growth rate | 26.16% |
| Return on equity | 6.29% |
| Net Margin | 21.04% |
| Last Earnings Update | 30 Jun 2026 |
Recent past performance updates
Recent updates
BBT: Earnings Outlook And Index Changes Will Shape Future Risk Balance
Analysts have slightly raised their fair value estimate for Beacon Financial, increasing the price target by $1 to reflect updated assumptions on discount rates, revenue growth, profit margin and future P/E levels following recent research updates. Analyst Commentary Recent research updates around Beacon Financial focus on fine tuning fair value assumptions ahead of upcoming earnings, rather than signaling any major shift in the core story.Beacon Financial: Q2 Earnings Preview, With Shares Still Cheap
Summary Beacon Financial trades near book value but below peer P/B multiples as investors await proof that its post-merger operating performance can hold. BBT posted a Q1 2026 operating ROE of 8.85%, an operating ROA of 1.01%, and a net interest margin of 3.78%, while maintaining strong capital ratios. Beacon’s quarterly dividend of $0.3225 equals $1.29 annualized and a roughly 4.2% yield at the July 17 closing price, with a payout ratio of 58.49%. I rate BBT Buy with a $34.50 12-month target, based on margin stability, expense normalization, capital strength, and integration upside despite CRE and execution risks. The July 29 Q2 report is the key catalyst, with investors watching NIM near 3.78%, operating expenses near $119.8 million, stable deposits, and CRE credit quality. Read the full article on Seeking AlphaRevenue & Expenses Breakdown
How Beacon Financial makes and spends money. Based on latest reported earnings, on an LTM basis.
Earnings and Revenue History
| Date | Revenue | Earnings | G+A Expenses | R&D Expenses |
|---|---|---|---|---|
| 30 Jun 26 | 759 | 160 | 390 | 0 |
| 31 Mar 26 | 633 | 117 | 336 | 0 |
| 31 Dec 25 | 512 | 90 | 280 | 0 |
| 30 Sep 25 | 318 | 8 | 225 | 0 |
| 30 Jun 25 | 345 | 79 | 204 | 0 |
| 31 Mar 25 | 339 | 73 | 204 | 0 |
| 31 Dec 24 | 334 | 69 | 206 | 0 |
| 30 Sep 24 | 334 | 74 | 203 | 0 |
| 30 Jun 24 | 336 | 77 | 202 | 0 |
| 31 Mar 24 | 340 | 82 | 200 | 0 |
| 31 Dec 23 | 333 | 75 | 198 | 0 |
| 30 Sep 23 | 329 | 82 | 190 | 0 |
| 30 Jun 23 | 324 | 89 | 181 | 0 |
| 31 Mar 23 | 317 | 93 | 173 | 0 |
| 31 Dec 22 | 319 | 110 | 160 | 0 |
| 31 Dec 21 | 317 | 115 | 149 | 0 |
| 31 Dec 20 | 223 | 48 | 143 | 0 |
| 31 Dec 19 | 274 | 88 | 139 | 0 |
| 31 Dec 18 | 268 | 83 | 133 | 0 |
Quality Earnings: BBT has a large one-off loss of $73.3M impacting its last 12 months of financial results to 30th June, 2026.
Growing Profit Margin: BBT's current net profit margins (21%) are lower than last year (22.8%).
Free Cash Flow vs Earnings Analysis
Past Earnings Growth Analysis
Earnings Trend: BBT's earnings have declined by 1.4% per year over the past 5 years.
Accelerating Growth: BBT's earnings growth over the past year (102.8%) exceeds its 5-year average (-1.4% per year).
Earnings vs Industry: BBT earnings growth over the past year (102.8%) exceeded the Banks industry 23.3%.
Return on Equity
High ROE: BBT's Return on Equity (6.3%) is considered low.
Return on Assets
Return on Capital Employed
Discover strong past performing companies
Company Analysis and Financial Data Status
| Data | Last Updated (UTC time) |
|---|---|
| Company Analysis | 2026/09/11 22:11 |
| End of Day Share Price | 2026/09/11 00:00 |
| Earnings | 2026/06/30 |
| Annual Earnings | 2025/12/31 |
Data Sources
The data used in our company analysis is from S&P Global Market Intelligence LLC. The following data is used in our analysis model to generate this report. Data is normalised which can introduce a delay from the source being available.
| Package | Data | Timeframe | Example US Source * |
|---|---|---|---|
| Company Financials | 10 years |
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| Analyst Consensus Estimates | +3 years |
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| Market Prices | 30 years |
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| Ownership | 10 years |
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| Management | 10 years |
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| Key Developments | 10 years |
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* Example for US securities, for non-US equivalent regulatory forms and sources are used.
Unless specified all financial data is based on a yearly period but updated quarterly. This is known as Trailing Twelve Month (TTM) or Last Twelve Month (LTM) Data. Learn more.
Analysis Model and Snowflake
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Learn about the who designed and built the Simply Wall St analysis model.
Industry and Sector Metrics
Our industry and section metrics are calculated every 6 hours by Simply Wall St, details of our process are available on Github.
Analyst Sources
Beacon Financial Corporation is covered by 9 analysts. 7 of those analysts submitted the estimates of revenue or earnings used as inputs to our report. Analysts submissions are updated throughout the day.
| Analyst | Institution |
|---|---|
| David Bishop | Hovde Group, LLC |
| David Konrad | Keefe, Bruyette, & Woods |
| Mark Fitzgibbon | Piper Sandler Companies |