Beacon Financial Corporation (BBT) Income Statement
BBT 2025 at a glance
Fiscal year ended December 31, 2025 · U.S. dollarsBBT revenue and net income
Where BBT's revenue goes
2025Each bar shows an amount and its share of revenue. BBT kept 11.9% of revenue as net income.
BBT profit margins
BBT growth rates
to 2025| 1 year | 3 years | 5 years | 10 years | |
|---|---|---|---|---|
| Revenue | +18.0% | +20.1% | — | — |
| Gross profit | +8.7% | +0.3% | — | — |
| Operating income | +53.3% | +2.3% | — | — |
| Net income | +48.0% | −0.8% | — | — |
| EPS (diluted) | +11.7% | +4.1% | +32.8% | — |
1-year change and average annual growth (CAGR) over 3, 5 and 10 fiscal years. "—" when a starting value was zero or negative.
BBT quarterly EPS vs estimates
Beacon Financial beat the analyst EPS estimate in 6 of the last 8 quarters. Next report: October 21, 2026 (estimate $0.78).
BBT income statement
| 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | |
|---|---|---|---|---|---|---|
| Revenue | $759.3M | $643.4M | $606.5M | $438.3M | $460.7M | $0 |
| Cost of revenue | $371.1M | $286.4M | $239.3M | $53.7M | $37.4M | $168.9M |
| Gross profit | $388.2M | $357.0M | $367.3M | $384.7M | $423.3M | −$812.1M |
| Sales, general & admin | $217.5M | $190.2M | $191.3M | $185.8M | $185.5M | $179.3M |
| Total operating expenses | $266.4M | $277.5M | $289.0M | $270.9M | $274.3M | −$279.1M |
| Operating income | $121.9M | $79.5M | $78.3M | $113.8M | $149.0M | −$533.0M |
| Interest income | $832.8M | $628.5M | $577.3M | $345.2M | $311.5M | — |
| Interest expense | $329.7M | $262.4M | $207.3M | $42.7M | $37.9M | $93.0M |
| Income before taxes | $121.9M | $79.5M | $78.3M | $113.8M | $149.0M | −$533.0M |
| Income taxes | $31.6M | $18.5M | $8.7M | $21.3M | $30.4M | −$19.9M |
| Net income | $90.3M | $61.0M | $69.6M | $92.5M | $118.7M | −$533.0M |
| EBITDA | $146.6M | $94.2M | $94.3M | $120.3M | $160.1M | −$521.1M |
| EPS (diluted) | $2.48 | $2.22 | $2.15 | $2.20 | $1.71 | $0.60 |
| Gross margin | 51.1% | 55.5% | 60.6% | 87.8% | 91.9% | — |
| Operating margin | 16.0% | 12.4% | 12.9% | 26.0% | 32.3% | — |
| Net margin | 11.9% | 9.5% | 11.5% | 21.1% | 25.8% | — |
| Jun '26 | Mar '26 | Dec '25 | Sep '25 | Jun '25 | Mar '25 | Dec '24 | Sep '24 | Jun '24 | Mar '24 | Dec '23 | |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | $319.6M | $290.3M | $309.7M | $228.5M | $170.2M | $164.1M | $160.8M | $165.9M | $175.0M | $112.2M | $134.8M |
| Cost of revenue | $105.3M | $109.6M | $120.9M | $171.1M | $63.5M | $64.1M | $69.7M | $81.2M | $72.1M | $69.9M | $69.1M |
| Gross profit | $214.3M | $180.7M | $188.7M | $57.4M | $106.7M | $100.0M | $91.1M | $84.7M | $102.9M | $42.3M | $65.7M |
| Sales, general & admin | $82.1M | $82.7M | $80.8M | $53.6M | $46.4M | $47.7M | $46.0M | $39.1M | $47.9M | $49.1M | $46.6M |
| Total operating expenses | $127.3M | $114.8M | $113.5M | $129.3M | $65.2M | $65.5M | $64.5M | $57.9M | $71.7M | $68.8M | $71.6M |
| Operating income | $87.0M | $66.0M | $75.2M | −$71.9M | $41.5M | $34.6M | $26.6M | $26.7M | $31.2M | −$26.5M | −$6.0M |
| Interest income | $293.6M | $292.4M | $308.8M | $216.2M | $154.1M | $153.7M | $158.1M | $159.6M | $155.4M | — | — |
| Interest expense | $100.4M | $101.6M | $112.8M | $83.6M | $59.5M | $58.6M | $63.7M | $76.6M | $65.6M | $63.9M | $62.1M |
| Income before taxes | $87.0M | $66.0M | $75.2M | −$71.9M | $41.5M | $34.6M | $26.6M | $26.7M | $31.2M | −$26.5M | −$6.0M |
| Income taxes | $22.6M | $19.7M | $21.8M | −$21.6M | $11.2M | $8.9M | $6.9M | $6.6M | $7.2M | −$6.3M | −$4.5M |
| Net income | $64.4M | $46.2M | $53.4M | −$50.2M | $30.4M | $25.7M | $19.7M | $20.1M | $24.0M | −$20.2M | −$1.4M |
| EBITDA | $87.0M | $77.6M | $75.2M | −$65.9M | $44.9M | $36.1M | $30.2M | $30.4M | $34.9M | −$24.5M | −$6.0M |
| EPS (diluted) | $0.77 | $0.70 | $0.79 | $0.44 | $0.69 | $0.56 | $0.60 | $0.58 | $0.55 | $0.49 | $0.47 |
| Gross margin | 67.0% | 62.3% | 60.9% | 25.1% | 62.7% | 61.0% | 56.6% | 51.0% | 58.8% | 37.7% | 48.7% |
| Operating margin | 27.2% | 22.7% | 24.3% | −31.5% | 24.4% | 21.1% | 16.5% | 16.1% | 17.8% | −23.6% | −4.4% |
| Net margin | 20.2% | 15.9% | 17.2% | −22.0% | 17.8% | 15.7% | 12.2% | 12.1% | 13.7% | −18.0% | −1.1% |
Quarterly columns are labeled by the month the quarter ended. Figures in U.S. dollars as reported in BBT's financial statements (latest annual report filed December 31, 2025); data from EODHD. Sales, general & administrative expenses include sales and marketing.
BBT financial results
In fiscal year 2025 (ended December 31, 2025), Beacon Financial reported revenue of $759.3 million, up 18.0% from the year before. It had net income of $90.3 million (up 48.0%), a net profit margin of 11.9%. Diluted earnings per share came to $2.48.
See the BBT stock overview for the latest quote and news, or the BBT chart for price history and technical indicators.
BBT income statement FAQ
What is Beacon Financial's annual revenue?
Beacon Financial reported total revenue of $759.3 million for fiscal year 2025, which ended on December 31, 2025. That was up 18.0% from $643.4 million the previous year.
Is Beacon Financial profitable?
Yes. Beacon Financial reported net income of $90.3 million in fiscal 2025, a net profit margin of 11.9%; its operating margin was 16.0%.
What is Beacon Financial's gross margin?
Beacon Financial's gross margin was 51.1% in fiscal 2025: for every $100 of revenue, Beacon Financial kept $51 after the direct cost of its products and services.
What are Beacon Financial's earnings per share?
Beacon Financial earned $2.48 per diluted share in fiscal 2025, compared with $2.22 a year earlier.
When will Beacon Financial report its next earnings?
Beacon Financial is expected to report results for the quarter ending September 30, 2026 on October 21, 2026 after the market closes.
When does Beacon Financial's fiscal year end?
Beacon Financial's fiscal year ends in December. The latest annual report covers the year ended December 31, 2025 and was filed on December 31, 2025.