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Beacon Financial (BBT) earnings and revenue breakdown
Latest: Q2 2025 · 10-Q filed Aug 11, 2025 · Beacon Financial (BBT) Q2 2025 earnings results →
Q2 2025 Revenue up 5% year over year to $114M · 27¢ of every $1 of revenue kept as net profit · operating margin 36.5%
Beacon Financial made $114M in Q2 2025 (+5% Y/Y). Operating margin 36.5%, net earnings $30.4M. See where every dollar goes — costs, profit and cash — as a Sankey from the 10-Q filed Aug 11, 2025.
Drawing the Sankey…
Open the interactive Sankey → click any line for what the company wrote about it, compare Y/Y and Q/Q, export as PNG or PDF
What changed this quarter
Revenue was $113.7M in Q2 2025, up 5% year over year and up 3% from the previous quarter.
Operating profit was $41.5M, a 36.5% margin (up 7.8 points year over year). Of the extra revenue versus a year earlier, 206% reached operating profit, above the 29% margin then. Total costs fell 7% while revenue rose 5%. Net earnings were $30.4M, up 26% year over year. The effective tax rate was 26.9%.
Operating cash flow was $38.5M (up 11% year over year), 127% of net earnings. Non-cash charges added back $1.3M of share-based compensation. Working capital and other items added $6.8M. Capital expenditures of $2.2M left free cash flow of $36.3M.
Quarterly history
| Quarter | Form | Filed | Revenue | Y/Y | Op. margin | Net earnings | Op. cash flow |
|---|---|---|---|---|---|---|---|
| Q2 2025 | 10-Q | Aug 11, 2025 | $114M | +5% | 36.5% | $30.4M | $38.5M |
| Q1 2025 | 10-Q | May 12, 2025 | $110M | +99% | 31.3% | $25.7M | $23.3M |
| Q4 2024 | 10-K | Mar 3, 2025 | $110M | +38% | 24.1% | $19.7M | $36.7M |
Charts
Interactive views
The same charts as the app — open one to draw it.
💵Where each $1 goesinteractive
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🌏Named in Asian annual reportsinteractive
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🔄Rotation against the market and its industry (RRG)interactive
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🔍Earnings qualityinteractive
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⚖️Fair value by methodinteractive
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🔭Outlook & guidanceinteractive
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📈Investments: gains and what it boughtinteractive
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🏭Its industry’s money flow (input-output)interactive
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About Beacon Financial
Beacon Financial Corporation, a Delaware corporation, is the holding company for Beacon Bank & Trust and its subsidiaries and Clarendon Private. 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. Clarendon Private is a registered investment advisor with the SEC. Through Clarendon Private and the Trust and Investments Division of the Bank, the Company offers a wide range of wealth management services to individuals, families, endowments and foundations to help these clients meet their long-term financial goals.
In its own words, from its 10-K, filed Mar 2, 2026.
Beacon Financial against its Savings Institutions, Not Federally Chartered peers
The largest companies of the same SEC industry, each at its latest quarter. Revenue growth: +5% against the peers' median +8%. Operating margin: 36.5% against the peers' median 36.1%.
| Company | Quarter | Revenue | Y/Y | Op. margin |
|---|---|---|---|---|
| BBT Beacon Financial | Q2 2025 | $114M | +5% | 36.5% |
| FLG Flagstar Bank, National Association | Q3 2026 | $530M | +2% | -1.9% |
| HFWA Heritage Financial | Q3 2026 | $86.5M | +32% | 25.8% |
| NBBK NB Bancorp | Q3 2026 | $76.5M | +48% | 37.9% |
| TCBX Third Coast Bancshares | Q3 2026 | $65.9M | +21% | 36.1% |
| SMBC Southern Missouri Bancorp | Q1 FY27 | $53.1M | +8% | 44.4% |
| HBCP Home Bancorp | Q3 2026 | $40.1M | +6% | 31.8% |
| NARA Narragansett Bancorp | Q2 2026 | $35.3M | +6% | 11.2% |
| AVBC Avidia Bancorp | Q3 2026 | $31.2M | +11% | 37.1% |
Source: Beacon Financial 10-Q on SEC EDGAR · CIK 1108134 · Savings Institutions, Not Federally Chartered
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History
Every quarter: Q2 2025 results · Q1 2025 results · Q4 2024 results