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Dec 31, 2025
Berkshire Hills Bancorp Q4 2025 Earnings Report
Beacon Financial Corporation reported its fourth quarter 2025 earnings, with net income of $53.4 million and EPS of $0.64.
Key Takeaways
Beacon Financial Corporation concluded 2025 with strong fourth-quarter results, driven by the combined Beacon organization and synergies from its merger of equals. The company reported a net income of $53.4 million and operating earnings of $66.4 million, reflecting improved credit performance and increased net interest income.
Net income for Q4 2025 was $53.4 million, or $0.64 per basic and diluted share.
Operating earnings (Non-GAAP) for Q4 2025 were $66.4 million, or $0.79 per operating EPS.
Total assets increased by $352.9 million to $23.2 billion at December 31, 2025, primarily due to assets assumed in the Merger.
Net interest income increased by $70.9 million to $199.7 million, with net interest margin rising to 3.82%.
Revenue by Segment
Forward Guidance
The company anticipates continued momentum from its merger of equals, focusing on leveraging synergies and driving performance improvements. They expect to maintain exceptional service to clients and build a foundation for long-term success.
Positive Outlook
- Continued momentum from the combined Beacon organization.
- Ongoing synergies created by the merger of equals.
- Focus on driving meaningful performance improvements across the organization.
- Commitment to providing exceptional service to clients.
- Building a strong foundation for long-term success.
Challenges Ahead
- Changes in interest rates could impact financial performance.
- General economic conditions, including inflation and potential government shutdowns, may pose risks.
- Ongoing turbulence in capital and debt markets could affect operations.
Historical Earnings Impact
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Avg. Return Before/After Earnings
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