{"filings":[{"id":472118,"accession_number":"0001104659-26-062720","cik":1108134,"company_name":"Beacon Financial Corp","ticker":"BBT","form_type":"8-K","filed_at":"2026-05-15T20:45:37+00:00","items":["5.07"],"status":"ready","headline":"Beacon Financial shareholders elect all 16 director nominees, ratify KPMG, approve executive compensation","summary_kind":"llm","event_type":"other_material","confidence":"high","bullets":["All 16 director nominees elected with majority support; broker non-votes of 7,596,528 per nominee.","Ratification of KPMG as auditor: 66,088,120 for, 1,319,591 against, 69,603 abstain.","Advisory vote on named executive officer compensation: 35,782,771 for (approx. 60%), 23,800,639 against.","Annual meeting held May 13, 2026; results filed May 15, 2026."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.25,"calibrated_materiality_score":0.15,"market_cap_usd":2437658859.3726897,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":91340,"accession_number":"0001104659-26-057108","cik":1108134,"company_name":"Beacon Financial Corp","ticker":"BBT","form_type":"8-K","filed_at":"2026-05-07T23:59:59+00:00","items":["8.01"],"status":"ready","headline":"Beacon Financial receives Fed non-objection for $50M stock buyback","summary_kind":"llm","event_type":"other_material","confidence":"high","bullets":["Federal Reserve issued notice of non-objection for Beacon Financial's stock repurchase program.","Program authorizes up to $50M in share repurchases from May 5, 2026 to May 4, 2027.","Board adopted program on April 29, 2026, subject to regulatory non-objection.","Purchases may be made in open market or negotiated transactions at prevailing prices."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"positive","materiality_score":0.6,"calibrated_materiality_score":0.6,"market_cap_usd":2437658859.3726897,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":91339,"accession_number":"0001171843-26-002833","cik":1108134,"company_name":"Beacon Financial Corp","ticker":"BBT","form_type":"8-K","filed_at":"2026-04-29T23:59:59+00:00","items":["2.02","7.01","9.01"],"status":"ready","headline":"Beacon Financial Q1 net income $46.2M ($0.55 EPS); operating EPS $0.70; $0.3225 dividend, $50M buyback","summary_kind":"llm","event_type":"earnings","confidence":"high","bullets":["Net income $46.2M ($0.55 diluted EPS) vs $53.4M ($0.64) in Q4 2025 and $19.1M ($0.21) in Q1 2025.","Operating earnings (non-GAAP) $58.4M, operating EPS $0.70.","Net interest margin fell 4 bps to 3.78%; net interest income $190.8M.","Net charge-offs $13.6M (30 bps annualized); nonperforming loan ratio rose to 0.83% from 0.63%.","Board approved $50M stock buyback (subject to regulatory approval) and $0.3225 dividend payable May 29, 2026."],"consensus_eps_estimate":null,"consensus_eps_actual":0.55,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":"2026-Q1","consensus_source":"xbrl_only","sentiment":"negative","materiality_score":0.75,"calibrated_materiality_score":0.75,"market_cap_usd":2437658859.3726897,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":101346,"accession_number":"0001171843-26-000481","cik":1108134,"company_name":"Beacon Financial Corp","ticker":"BBT","form_type":"8-K","filed_at":"2026-01-28T23:59:59+00:00","items":["2.02","7.01","9.01"],"status":"ready","headline":"Beacon Financial Q4 net income $53.4M, EPS $0.64; declares $0.3225 dividend","summary_kind":"llm","event_type":"earnings","confidence":"high","bullets":["Net income $53.4M ($0.64 diluted EPS) vs. net loss in prior quarter; operating EPS $0.79.","Net interest income $199.7M, NIM expanded 20 bps to 3.82%.","Total assets $23.2B, deposits $19.5B; tangible book value $23.32/share.","Quarterly dividend $0.3225 per share, payable Feb 27, 2026, record Feb 13.","Nonperforming loans rose to 0.63% of loans; provision for credit losses $8.1M, down from $20.3M."],"consensus_eps_estimate":null,"consensus_eps_actual":1.03,"consensus_revenue_estimate":null,"consensus_revenue_actual":29947000.0,"consensus_period":"2025-FY","consensus_source":"xbrl_only","sentiment":"positive","materiality_score":0.75,"calibrated_materiality_score":0.75,"market_cap_usd":2437658859.3726897,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":117714,"accession_number":"0001104659-25-113179","cik":1108134,"company_name":"Beacon Financial Corp","ticker":"BBT","form_type":"8-K/A","filed_at":"2025-11-17T23:59:59+00:00","items":["9.01"],"status":"ready","headline":"Beacon Financial completes merger with Brookline; pro forma assets $23.5B","summary_kind":"llm","event_type":"m_and_a","confidence":"high","bullets":["Pro forma combined total assets of $23.5B at June 30, 2025; loans $18.7B, deposits $18.9B.","Pro forma FY2024 net income $135.4M ($1.69 diluted EPS); H1 2025 net income $122.0M ($1.46 diluted EPS).","Merger accounted for as reverse acquisition with Brookline as accounting acquirer; equity $2.4B.","Estimated pre-tax merger costs of $93.0M; net-of-tax costs $73.9M, excluded from pro forma.","Legacy Brookline stockholders control ~45% of pro forma voting interests."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.65,"calibrated_materiality_score":0.65,"market_cap_usd":2437658859.3726897,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":117715,"accession_number":"0001108134-25-000017","cik":1108134,"company_name":"Beacon Financial Corp","ticker":"BBT","form_type":"8-K","filed_at":"2025-10-29T23:59:59+00:00","items":["2.02","7.01","9.01"],"status":"ready","headline":"Beacon Financial reports Q3 net loss of $56.3M on $129.8M merger costs; operating EPS $0.44","summary_kind":"llm","event_type":"earnings","confidence":"high","bullets":["Net loss of $56.3M ($0.64/sh) reflects $129.8M pre-tax merger costs ($51.9M expenses + $77.9M provision).","Operating earnings (non-GAAP) of $38.5M or $0.44 per diluted share.","Merger of equals between Berkshire Hills and Brookline closed Sept 1; combined assets $22.8B.","Quarterly dividend $0.3225/sh declared, payable Nov 24 to holders of record Nov 10.","NPL ratio improved to 0.54% (from 0.65% QoQ); net charge-offs rose to $15.9M from $5.1M."],"consensus_eps_estimate":null,"consensus_eps_actual":-0.1,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":"2025-Q3","consensus_source":"xbrl_only","sentiment":"neutral","materiality_score":0.75,"calibrated_materiality_score":0.75,"market_cap_usd":2437658859.3726897,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":134160,"accession_number":"0001104659-25-089092","cik":1108134,"company_name":"Beacon Financial Corp","ticker":"BBT","form_type":"8-K","filed_at":"2025-09-10T23:59:59+00:00","items":["4.01","9.01"],"status":"ready","headline":"Beacon Financial (ex-Berkshire Hills) dismisses Crowe, appoints KPMG as auditor after Brookline merger","summary_kind":"llm","event_type":"other_material","confidence":"high","bullets":["Merger of equals with Brookline Bancorp closed Sept 1, 2025; Company renamed Beacon Financial Corp.","Crowe LLP dismissed as independent auditor; no disagreements or reportable events in Fiscal 2023/2024.","KPMG LLP appointed as new independent registered public accounting firm for FY2025.","Crowe's letter of agreement with disclosures is filed as Exhibit 16.1."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.4,"calibrated_materiality_score":0.4,"market_cap_usd":2437658859.3726897,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":134159,"accession_number":"0001104659-25-086043","cik":1108134,"company_name":"Beacon Financial Corp","ticker":"BBT","form_type":"8-K","filed_at":"2025-09-02T23:59:59+00:00","items":["2.01","2.03","3.01","5.03","5.02","8.01","9.01"],"status":"ready","headline":"Beacon Financial completes merger of equals with Brookline Bancorp; combined assets $24B","summary_kind":"llm","event_type":"m_and_a","confidence":"high","bullets":["Merger effective Sept 1, 2025; combined company has ~$24B in assets, 145+ branches, and $3B AUM.","New ticker symbol 'BBT' on NYSE; name changed from Berkshire Hills Bancorp to Beacon Financial.","Board expanded to 16 members; Paul A. Perrault named CEO; David M. Brunelle elected Board Chair.","Assumed $75M 6.00% subordinated notes due 2029 and $9.8M junior subordinated debentures.","Bank subsidiaries merged into Brookline Bank, renamed Beacon Bank & Trust; systems integration targeted Q1 2026."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.9,"calibrated_materiality_score":0.9,"market_cap_usd":2437658859.3726897,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":134158,"accession_number":"0000943374-25-000380","cik":1108134,"company_name":"Beacon Financial Corp","ticker":"BBT","form_type":"8-K","filed_at":"2025-08-25T23:59:59+00:00","items":["8.01","9.01"],"status":"ready","headline":"Berkshire Hills & Brookline receive all regulatory approvals for merger; close expected Sept 1","summary_kind":"llm","event_type":"m_and_a","confidence":"high","bullets":["Approvals from Federal Reserve, NY DFS, MA DOB, and RI DBR in hand; stockholder votes obtained May 21.","Merger closing expected effective September 1, 2025, forming Beacon Financial Corporation ($24B assets).","Combined bank will operate ~145 branches across the Northeast under Beacon Bank & Trust brand.","CEO Paul Perrault (Brookline) to lead combined company; David Brunelle (Berkshire) to remain chair.","Common shares to trade on NYSE under symbol BBT after closing; systems conversion targeted Q1 2026."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"positive","materiality_score":0.75,"calibrated_materiality_score":0.75,"market_cap_usd":2437658859.3726897,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":134157,"accession_number":"0000943374-25-000368","cik":1108134,"company_name":"Beacon Financial Corp","ticker":"BBT","form_type":"8-K","filed_at":"2025-08-06T23:59:59+00:00","items":["8.01","9.01"],"status":"ready","headline":"Berkshire Hills and Brookline name combined company Beacon Financial Corp, ticker BBT","summary_kind":"llm","event_type":"m_and_a","confidence":"high","bullets":["Combined holding company to be Beacon Financial Corporation (NYSE: BBT); bank named Beacon Bank & Trust (d/b/a Beacon Bank).","Merger of equals expected to close in Q3 2025, subject to regulatory approvals and closing conditions.","Paul A. Perrault (Brookline CEO) to serve as CEO; David M. Brunelle (Berkshire Chair) to remain Chair of combined board.","Post-closing, legacy brands will operate as divisions of Beacon Bank & Trust; full brand transition and system integration targeted for Q1 2026."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.65,"calibrated_materiality_score":0.65,"market_cap_usd":2437658859.3726897,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":134156,"accession_number":"0000943374-25-000353","cik":1108134,"company_name":"Beacon Financial Corp","ticker":"BBT","form_type":"8-K","filed_at":"2025-08-01T23:59:59+00:00","items":["8.01"],"status":"ready","headline":"Berkshire Hills Bancorp declares $0.18 quarterly dividend, record Aug 14","summary_kind":"llm","event_type":"dividend","confidence":"high","bullets":["Quarterly cash dividend of $0.18 per common share approved by Board.","Record date: August 14, 2025; payable on August 21, 2025.","Dividend aligns with prior quarterly rate; no change in payout.","News release posted on Company's Investor Relations website."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.25,"calibrated_materiality_score":0.25,"market_cap_usd":2437658859.3726897,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":134155,"accession_number":"0001104659-25-070288","cik":1108134,"company_name":"Beacon Financial Corp","ticker":"BBT","form_type":"8-K","filed_at":"2025-07-24T23:59:59+00:00","items":["2.02","7.01","9.01"],"status":"ready","headline":"Berkshire Hills Q2 2025: GAAP EPS $0.66, Operating EPS $0.69, growth across metrics","summary_kind":"llm","event_type":"earnings","confidence":"high","bullets":["GAAP EPS $0.66; operating EPS $0.69, up 15% linked quarter and 25% year over year.","Net interest margin 3.27%, up 3 bps from Q1 and 7 bps from Q2 2024.","Efficiency ratio improved to 56.7% from 59.5% in Q1 2025 and 63.4% year ago.","Net income $30.4M vs $25.7M in Q1 2025 and $24.0M in Q2 2024.","Delinquent and non-performing loans ratio 0.48%; loan book $9.5B, deposits $9.98B."],"consensus_eps_estimate":null,"consensus_eps_actual":1.22,"consensus_revenue_estimate":null,"consensus_revenue_actual":224116000.0,"consensus_period":"2025-Q2","consensus_source":"xbrl_only","sentiment":"positive","materiality_score":0.8,"calibrated_materiality_score":0.8,"market_cap_usd":2437658859.3726897,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":150919,"accession_number":"0000943374-25-000227","cik":1108134,"company_name":"Beacon Financial Corp","ticker":"BBT","form_type":"8-K","filed_at":"2025-05-22T23:59:59+00:00","items":["5.07","9.01"],"status":"ready","headline":"Shareholders approve Brookline merger share issuance; all proposals pass at annual meeting","summary_kind":"llm","event_type":"other_material","confidence":"high","bullets":["Proposal 1 (Brookline merger share issuance) passed: 35.9M for, 0.6M against, 66k abstentions.","Proposal 2 (charter amendment to increase authorized shares) passed: 35.6M for, 0.9M against.","Proposal 3 (2025 Stock Option and Incentive Plan) passed: 34.2M for, 2.3M against.","All eight director nominees elected with >35.7M votes each; no director received fewer than 35.8M for.","Advisory say-on-pay (35.6M for) and ratification of Crowe LLP as auditor (40.9M for) also approved."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"positive","materiality_score":0.75,"calibrated_materiality_score":0.75,"market_cap_usd":2437658859.3726897,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":150918,"accession_number":"0001104659-25-048442","cik":1108134,"company_name":"Beacon Financial Corp","ticker":"BBT","form_type":"8-K","filed_at":"2025-05-14T23:59:59+00:00","items":["8.01"],"status":"ready","headline":"Berkshire Hills discloses director attendance; Kip not seeking re-election","summary_kind":"llm","event_type":"other_material","confidence":"high","bullets":["Jeffrey W. Kip, not standing for re-election in 2025, attended 67% of 2024 board/committee meetings.","All other current directors attended at least 75% of aggregate board and committee meetings in 2024.","Ten of eleven director nominees attended the 2024 annual meeting of stockholders.","Disclosure made in connection with annual meeting proxy statement filed on Form S-4."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.25,"calibrated_materiality_score":0.25,"market_cap_usd":2437658859.3726897,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":150917,"accession_number":"0001104659-25-047376","cik":1108134,"company_name":"Beacon Financial Corp","ticker":"BBT","form_type":"8-K","filed_at":"2025-05-12T23:59:59+00:00","items":["8.01"],"status":"ready","headline":"Berkshire Hills provides supplemental info for 2025 equity plan vote after ISS unfavorable recommendation","summary_kind":"llm","event_type":"other_material","confidence":"high","bullets":["44,400 stock options outstanding, weighted avg exercise price $26.65, remaining term 0.93 years.","386,968 unvested time-based full value awards and 110,356 performance-based awards outstanding.","822,719 shares remaining under prior equity plans will be cancelled if 2025 Plan approved.","84,260,582 shares anticipated outstanding after proposed merger with Brookline Bancorp closes.","No additional equity grants made from Dec 16, 2024 through closing of merger."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.55,"calibrated_materiality_score":0.55,"market_cap_usd":2437658859.3726897,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":150916,"accession_number":"0001104659-25-046743","cik":1108134,"company_name":"Beacon Financial Corp","ticker":"BBT","form_type":"8-K","filed_at":"2025-05-09T23:59:59+00:00","items":["8.01"],"status":"ready","headline":"Berkshire Hills provides supplemental merger disclosures in response to shareholder lawsuits","summary_kind":"llm","event_type":"litigation","confidence":"high","bullets":["Received four demand letters and two shareholder suits (Walsh, Clark) alleging proxy omissions between Apr 12 and May 8.","Denies allegations but issues Supplemental Disclosures to moot claims and avoid delays to merger close.","Supplements add detail on RP Financial, Cobblestone engagements and Raymond James's DCF and pro forma analyses.","Merger consideration and May 21 stockholder meeting dates unchanged; company expects no impact on closing."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.4,"calibrated_materiality_score":0.4,"market_cap_usd":2437658859.3726897,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":150915,"accession_number":"0000943374-25-000185","cik":1108134,"company_name":"Beacon Financial Corp","ticker":"BBT","form_type":"8-K","filed_at":"2025-05-02T23:59:59+00:00","items":["8.01"],"status":"ready","headline":"Berkshire Hills Bancorp declares $0.18 quarterly dividend","summary_kind":"llm","event_type":"dividend","confidence":"high","bullets":["Board approved a quarterly cash dividend of $0.18 per common share.","Record date is May 15, 2025; payment date is May 29, 2025.","Dividend is unchanged from prior quarter's $0.18 per share.","Announced via press release on May 2, 2025, under Item 8.01."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.4,"calibrated_materiality_score":0.4,"market_cap_usd":2437658859.3726897,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":150914,"accession_number":"0001104659-25-038435","cik":1108134,"company_name":"Beacon Financial Corp","ticker":"BBT","form_type":"8-K","filed_at":"2025-04-24T23:59:59+00:00","items":["2.02","7.01","9.01"],"status":"ready","headline":"Berkshire Hills Q1 GAAP EPS $0.56, Operating EPS $0.60; NIM expands to 3.24%","summary_kind":"llm","event_type":"earnings","confidence":"high","bullets":["Net income $25.7M vs $19.7M in Q4 and $(20.2M) in Q1 2024; operating EPS up 22% YoY to $0.60.","Net interest margin (FTE) 3.24%, up 10 bp sequentially; efficiency ratio 59.5%, best in two years.","Delinquent and non-performing loans to total loans fell to 0.42%, lowest in nearly 20 years.","Operating revenue up 5% YoY; operating non-interest expense down 6% YoY.","Average loans $9.39B, deposits $9.85B; period-end deposits $9.88B."],"consensus_eps_estimate":null,"consensus_eps_actual":0.56,"consensus_revenue_estimate":null,"consensus_revenue_actual":110443000.0,"consensus_period":"2025-Q1","consensus_source":"xbrl_only","sentiment":"positive","materiality_score":0.65,"calibrated_materiality_score":0.65,"market_cap_usd":2437658859.3726897,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":169834,"accession_number":"0000943374-25-000064","cik":1108134,"company_name":"Beacon Financial Corp","ticker":"BBT","form_type":"8-K","filed_at":"2025-02-07T23:59:59+00:00","items":["8.01"],"status":"ready","headline":"Berkshire Hills Bancorp declares $0.18 quarterly dividend","summary_kind":"llm","event_type":"dividend","confidence":"high","bullets":["Quarterly cash dividend of $0.18 per common share announced.","Record date is February 20, 2025; payable March 6, 2025.","Dividend rate appears unchanged from prior quarter; no change indicated."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.25,"calibrated_materiality_score":0.25,"market_cap_usd":2437658859.3726897,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":169833,"accession_number":"0001104659-25-007466","cik":1108134,"company_name":"Beacon Financial Corp","ticker":"BBT","form_type":"8-K","filed_at":"2025-01-30T23:59:59+00:00","items":["2.02","7.01","9.01"],"status":"ready","headline":"Berkshire Hills Q4 GAAP EPS $0.46, operating EPS $0.60; FY2024 operating EPS $2.22 up 4%","summary_kind":"llm","event_type":"earnings","confidence":"high","bullets":["GAAP net income $19.7M ($0.46/share) vs $37.5M ($0.88) in Q3; operating earnings $26.0M ($0.60), up 3% QoQ and 28% YoY.","Average deposits grew 3% QoQ to $9.659B; average loans rose 0.4% to $9.271B; loans/deposits ratio improved further.","Delinquent and non-performing loans at 0.52% of total loans, lowest in nearly two decades.","CET1 ratio 13.0%; return on tangible common equity 7.6% (operating 9.9%).","FY2024 operating EPS $2.22 vs $2.14 in FY2023, up 4%; net interest margin (FTE) 3.14% vs 3.16% prior quarter."],"consensus_eps_estimate":null,"consensus_eps_actual":1.43,"consensus_revenue_estimate":null,"consensus_revenue_actual":400000000.0,"consensus_period":"2024-FY","consensus_source":"xbrl_only","sentiment":"neutral","materiality_score":0.65,"calibrated_materiality_score":0.65,"market_cap_usd":2437658859.3726897,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":186900,"accession_number":"0000943374-24-000502","cik":1108134,"company_name":"Beacon Financial Corp","ticker":"BBT","form_type":"8-K","filed_at":"2024-12-23T23:59:59+00:00","items":["3.02","9.01"],"status":"ready","headline":"Berkshire Hills completes $100M private placement at $29.00/share in conjunction with Brookline merger","summary_kind":"llm","event_type":"m_and_a","confidence":"high","bullets":["Completed sale of 3,448,275 shares at $29.00 per share for total $100M to institutional accredited investors on Dec 19, 2024.","Placement priced at 3.97% discount to Dec 13 closing price of $30.20 (market discount for Regulation D offering).","Securities issued under Section 4(2)/Rule 506 exemption; registration rights agreement filed with SEC.","Capital raise supports pending all-stock merger with Brookline Bancorp valued at ~$1.1B ($12.68 per share)."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.8,"calibrated_materiality_score":0.8,"market_cap_usd":2437658859.3726897,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":186899,"accession_number":"0001104659-24-128694","cik":1108134,"company_name":"Beacon Financial Corp","ticker":"BBT","form_type":"8-K","filed_at":"2024-12-16T23:59:59+00:00","items":["1.01","3.02","5.02","7.01","8.01","9.01"],"status":"ready","headline":"Berkshire Hills Bancorp to acquire Brookline Bancorp in stock merger; shareholders receive 0.42x Berkshire shares","summary_kind":"llm","event_type":"m_and_a","confidence":"high","bullets":["Merger consideration: each Brookline share exchanges for 0.42 Berkshire common share; fractional shares paid in cash.","Berkshire raises ~$100M via private placement of 3.45M shares at $29/sh; proceeds support merger and capital ratios.","Combined board set at 16 directors: 8 from Berkshire, 8 from Brookline; Brunelle Chair, Perrault CEO for ≥2 years.","Termination fee of $45M applies if either party backs out under specified conditions.","Sean Gray enters new employment agreement with $3.9M retention bonus (half at Yr1, half at Yr2 post-close)."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.75,"calibrated_materiality_score":0.75,"market_cap_usd":2437658859.3726897,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":186898,"accession_number":"0000943374-24-000447","cik":1108134,"company_name":"Beacon Financial Corp","ticker":"BBT","form_type":"8-K","filed_at":"2024-11-01T23:59:59+00:00","items":["8.01"],"status":"ready","headline":"Berkshire Hills Bancorp declares $0.18 quarterly dividend, payable Nov 27","summary_kind":"llm","event_type":"dividend","confidence":"high","bullets":["Quarterly cash dividend of $0.18 per common share declared.","Record date: November 14, 2024; payable November 27, 2024.","Dividend approved by Board of Directors on November 1, 2024."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.5,"calibrated_materiality_score":0.5,"market_cap_usd":2437658859.3726897,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":186897,"accession_number":"0001104659-24-111063","cik":1108134,"company_name":"Beacon Financial Corp","ticker":"BBT","form_type":"8-K","filed_at":"2024-10-24T23:59:59+00:00","items":["2.02","7.01","9.01"],"status":"ready","headline":"Berkshire Hills Q3 net income $37.5M ($0.88 EPS); operating EPS $0.58 up 16% YoY","summary_kind":"llm","event_type":"earnings","confidence":"high","bullets":["Net income $37.5M, EPS $0.88; operating EPS $0.58, up 5% linked and 16% YoY.","Non-operating gain of $16M from branch sale contributed $0.30 after-tax per share.","Net interest margin (FTE) 3.16%; operating revenue up 1% linked and 2% YoY.","Return on tangible common equity 14.8%; operating return 9.9%.","Loans $9.21B, deposits $9.58B at quarter end; efficiency ratio 63.7%."],"consensus_eps_estimate":null,"consensus_eps_actual":0.97,"consensus_revenue_estimate":null,"consensus_revenue_actual":289820000.0,"consensus_period":"2024-Q3","consensus_source":"xbrl_only","sentiment":"positive","materiality_score":0.7,"calibrated_materiality_score":0.7,"market_cap_usd":2437658859.3726897,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":186896,"accession_number":"0000943374-24-000411","cik":1108134,"company_name":"Beacon Financial Corp","ticker":"BBT","form_type":"8-K","filed_at":"2024-10-17T23:59:59+00:00","items":["8.01"],"status":"ready","headline":"Berkshire Hills sells $46.5M Upstart loans at loss; completes sale of 10 NY branches","summary_kind":"llm","event_type":"other_material","confidence":"high","bullets":["Upstart loan sale: $46.5M book value sold at 96%, net charge-off $1.9M.","Remaining Upstart loans ~$10M (11 bps of total loans at June 30, 2024).","Branch sale: $383M deposits & $50M loans transferred; 40 employees offered jobs by buyers.","Expected pre-tax non-operating income of ~$16M ($12M after-tax) from branch sale in Q3.","Branch network reduced to 83 offices in New England and New York."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.7,"calibrated_materiality_score":0.7,"market_cap_usd":2437658859.3726897,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":203433,"accession_number":"0000943374-24-000378","cik":1108134,"company_name":"Beacon Financial Corp","ticker":"BBT","form_type":"8-K","filed_at":"2024-09-17T23:59:59+00:00","items":["8.01"],"status":"ready","headline":"Berkshire Hills Bancorp declares $0.18 quarterly dividend payable Oct 10","summary_kind":"llm","event_type":"dividend","confidence":"high","bullets":["Quarterly cash dividend of $0.18 per common share declared.","Record date is September 30, 2024; payable date October 10, 2024.","Dividend announced via news release on Company's IR website."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.25,"calibrated_materiality_score":0.25,"market_cap_usd":2437658859.3726897,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":203432,"accession_number":"0001104659-24-080743","cik":1108134,"company_name":"Beacon Financial Corp","ticker":"BBT","form_type":"8-K","filed_at":"2024-07-18T23:59:59+00:00","items":["2.02","7.01","9.01"],"status":"ready","headline":"Berkshire Hills Q2 net income $24.0M, operating EPS $0.55 up 12% linked quarter","summary_kind":"llm","event_type":"earnings","confidence":"high","bullets":["Net income $24.0M ($0.57 diluted EPS) vs prior Q1 net loss of $20.2M; 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