Beacon (BBT) Q4 Earnings: Taking a Look at Key Metrics Versus Estimates

Core Insights - Beacon Financial (BBT) reported a revenue of $225.66 million for the quarter ended December 2025, marking a year-over-year increase of 105.1% and an EPS of $0.79 compared to $0.60 a year ago [1] - The reported revenue was slightly below the Zacks Consensus Estimate of $228.78 million, resulting in a surprise of -1.36%, while the EPS exceeded the consensus estimate of $0.78 by +1.61% [1] Financial Performance Metrics - The efficiency ratio for Beacon was reported at 63.1%, which is higher than the average estimate of 58.7% from four analysts [4] - The net interest margin (FTE) stood at 3.8%, matching the average estimate based on four analysts [4] - The average balance of total earning assets was $20.93 billion, slightly below the estimated $21.05 billion from two analysts [4] - Total non-interest income was reported at $25.92 million, exceeding the average estimate of $25.24 million from four analysts [4] - Net interest income (FTE) was $201.49 million, which is lower than the average estimate of $204.61 million from two analysts [4] - Net interest income was reported at $199.74 million, also below the average estimate of $203.79 million from two analysts [4] Stock Performance - Shares of Beacon have returned +7.1% over the past month, outperforming the Zacks S&P 500 composite's +0.8% change [3] - The stock currently holds a Zacks Rank 4 (Sell), indicating potential underperformance relative to the broader market in the near term [3]