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Side-by-side financial comparison of Beacon Financial Corp (BBT) and COMMUNITY FINANCIAL SYSTEM, INC. (CBU). Click either name above to swap in a different company.
Beacon Financial Corp is the larger business by last-quarter revenue ($225.7M vs $217.0M, roughly 1.0× COMMUNITY FINANCIAL SYSTEM, INC.). COMMUNITY FINANCIAL SYSTEM, INC. runs the higher net margin — 25.1% vs 23.6%, a 1.4% gap on every dollar of revenue. Over the past eight quarters, Beacon Financial Corp's revenue compounded faster (101.6% CAGR vs 10.3%).
Beacon Roofing Supply, Inc. is an American company which sells residential and non-residential roofing products, as well as related building products in North America. As of December 31, 2023, the company had 533 locations throughout all 50 states in the U.S. and six Canadian provinces, and over 8,000 employees. In addition to roofing, local divisions may also sell windows, siding, decking, waterproofing and other external building products. The company is currently headquartered in Herndon, ...
Community Health Systems (CHS) is a Fortune 500 company based in Franklin, Tennessee. It was the largest provider of general hospital healthcare services in the United States in terms of number of acute care facilities. In 2014, CHS had around 200 hospitals, but the number had declined to around 85 in 2021.
BBT vs CBU — Head-to-Head
Income Statement — Q4 FY2025 vs Q4 FY2025
| Metric | | |
|---|---|---|
| Revenue | $225.7M | $217.0M |
| Net Profit | $53.4M | $54.4M |
| Gross Margin | — | — |
| Operating Margin | — | 33.1% |
| Net Margin | 23.6% | 25.1% |
| Revenue YoY | — | 9.9% |
| Net Profit YoY | -22.3% | 9.3% |
| EPS (diluted) | $0.64 | $1.03 |
Green = leading value per metric. Periods may differ when fiscal calendars don't align.
8-Quarter Revenue & Profit Trend
Side-by-side quarterly history. Quarters aligned by calendar period so offset fiscal years line up.
| Q4 25 | $225.7M | $217.0M | ||
| Q3 25 | $141.2M | $208.1M | ||
| Q2 25 | $113.7M | $200.5M | ||
| Q1 25 | $110.4M | $197.3M | ||
| Q4 24 | $110.2M | $197.4M | ||
| Q3 24 | $125.6M | $190.3M | ||
| Q2 24 | $108.7M | $184.3M | ||
| Q1 24 | $55.5M | $178.5M |
| Q4 25 | $53.4M | $54.4M | ||
| Q3 25 | $-4.2M | $55.1M | ||
| Q2 25 | $22.0M | $51.3M | ||
| Q1 25 | $19.1M | $49.6M | ||
| Q4 24 | $17.5M | $49.8M | ||
| Q3 24 | $20.1M | $43.9M | ||
| Q2 24 | $16.4M | $47.9M | ||
| Q1 24 | $14.7M | $40.9M |
| Q4 25 | — | 33.1% | ||
| Q3 25 | -5.9% | 35.2% | ||
| Q2 25 | 26.0% | 32.9% | ||
| Q1 25 | 23.1% | 32.6% | ||
| Q4 24 | 21.6% | 32.7% | ||
| Q3 24 | 21.3% | 30.0% | ||
| Q2 24 | 19.9% | 33.7% | ||
| Q1 24 | 35.1% | 29.7% |
| Q4 25 | 23.6% | 25.1% | ||
| Q3 25 | -3.0% | 26.5% | ||
| Q2 25 | 19.4% | 25.6% | ||
| Q1 25 | 17.3% | 25.1% | ||
| Q4 24 | 15.9% | 25.2% | ||
| Q3 24 | 16.0% | 23.1% | ||
| Q2 24 | 15.1% | 26.0% | ||
| Q1 24 | 26.4% | 22.9% |
| Q4 25 | $0.64 | $1.03 | ||
| Q3 25 | $-0.05 | $1.04 | ||
| Q2 25 | $0.25 | $0.97 | ||
| Q1 25 | $0.21 | $0.93 | ||
| Q4 24 | $0.20 | $0.94 | ||
| Q3 24 | $0.23 | $0.83 | ||
| Q2 24 | $0.18 | $0.91 | ||
| Q1 24 | $0.16 | $0.76 |
Balance Sheet & Financial Strength
Snapshot of each company's liquidity, leverage and book value from the latest quarter.
| Metric | | |
|---|---|---|
| Cash + ST InvestmentsLiquidity on hand | $1.8B | $301.8M |
| Total DebtLower is stronger | — | — |
| Stockholders' EquityBook value | $2.5B | $2.0B |
| Total Assets | $23.2B | $17.3B |
| Debt / EquityLower = less leverage | — | — |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $1.8B | $301.8M | ||
| Q3 25 | $1.2B | $245.2M | ||
| Q2 25 | — | $237.2M | ||
| Q1 25 | — | $518.0M | ||
| Q4 24 | $543.7M | $197.0M | ||
| Q3 24 | — | $346.1M | ||
| Q2 24 | — | $201.5M | ||
| Q1 24 | — | $338.4M |
| Q4 25 | — | — | ||
| Q3 25 | $1.1B | — | ||
| Q2 25 | $225.6M | — | ||
| Q1 25 | $284.6M | — | ||
| Q4 24 | $1.5B | $990.2M | ||
| Q3 24 | $353.6M | — | ||
| Q2 24 | $278.6M | — | ||
| Q1 24 | $248.6M | — |
| Q4 25 | $2.5B | $2.0B | ||
| Q3 25 | $2.4B | $1.9B | ||
| Q2 25 | $1.3B | $1.9B | ||
| Q1 25 | $1.2B | $1.8B | ||
| Q4 24 | $1.2B | $1.8B | ||
| Q3 24 | $1.2B | $1.8B | ||
| Q2 24 | $1.2B | $1.7B | ||
| Q1 24 | $1.0B | $1.7B |
| Q4 25 | $23.2B | $17.3B | ||
| Q3 25 | $22.8B | $17.0B | ||
| Q2 25 | $12.0B | $16.7B | ||
| Q1 25 | $12.0B | $16.8B | ||
| Q4 24 | $11.9B | $16.4B | ||
| Q3 24 | $11.6B | $16.4B | ||
| Q2 24 | $12.2B | $15.9B | ||
| Q1 24 | $12.1B | $15.9B |
| Q4 25 | — | — | ||
| Q3 25 | 0.45× | — | ||
| Q2 25 | 0.18× | — | ||
| Q1 25 | 0.24× | — | ||
| Q4 24 | 1.24× | 0.56× | ||
| Q3 24 | 0.29× | — | ||
| Q2 24 | 0.23× | — | ||
| Q1 24 | 0.25× | — |
Cash Flow & Capital Efficiency
How much cash each business actually produces after reinvestment. Cash flow is harder to manipulate than net income.
| Metric | | |
|---|---|---|
| Operating Cash FlowLast quarter | — | $301.9M |
| Free Cash FlowOCF − Capex | — | $233.3M |
| FCF MarginFCF / Revenue | — | 107.5% |
| Capex IntensityCapex / Revenue | — | 31.6% |
| Cash ConversionOCF / Net Profit | — | 5.55× |
| TTM Free Cash FlowTrailing 4 quarters | — | $405.1M |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | — | $301.9M | ||
| Q3 25 | $-4.8M | $101.1M | ||
| Q2 25 | $38.5M | $53.7M | ||
| Q1 25 | $23.3M | $62.5M | ||
| Q4 24 | $105.0M | $242.3M | ||
| Q3 24 | $19.9M | $56.9M | ||
| Q2 24 | $34.8M | $39.8M | ||
| Q1 24 | $6.9M | $79.9M |
| Q4 25 | — | $233.3M | ||
| Q3 25 | $-5.9M | $83.4M | ||
| Q2 25 | $36.3M | $36.4M | ||
| Q1 25 | $19.9M | $52.0M | ||
| Q4 24 | $100.0M | $221.6M | ||
| Q3 24 | $17.2M | $51.9M | ||
| Q2 24 | $34.4M | $33.8M | ||
| Q1 24 | $6.6M | $77.3M |
| Q4 25 | — | 107.5% | ||
| Q3 25 | -4.2% | 40.1% | ||
| Q2 25 | 31.9% | 18.1% | ||
| Q1 25 | 18.0% | 26.3% | ||
| Q4 24 | 90.7% | 112.2% | ||
| Q3 24 | 13.7% | 27.3% | ||
| Q2 24 | 31.7% | 18.3% | ||
| Q1 24 | 11.9% | 43.3% |
| Q4 25 | — | 31.6% | ||
| Q3 25 | 0.8% | 8.5% | ||
| Q2 25 | 1.9% | 8.6% | ||
| Q1 25 | 3.1% | 5.3% | ||
| Q4 24 | 4.5% | 10.5% | ||
| Q3 24 | 2.1% | 2.6% | ||
| Q2 24 | 0.3% | 3.3% | ||
| Q1 24 | 0.4% | 1.4% |
| Q4 25 | — | 5.55× | ||
| Q3 25 | — | 1.84× | ||
| Q2 25 | 1.75× | 1.05× | ||
| Q1 25 | 1.22× | 1.26× | ||
| Q4 24 | 5.99× | 4.87× | ||
| Q3 24 | 0.99× | 1.30× | ||
| Q2 24 | 2.12× | 0.83× | ||
| Q1 24 | 0.47× | 1.95× |
Financial Flow Comparison
Revenue → gross profit → operating profit → net profit for each company.
Revenue Breakdown by Segment
BBT
| Net Interest Income | $199.7M | 89% |
| Noninterest Income | $25.9M | 11% |
CBU
| Banking And Corporate Services | $156.6M | 72% |
| Employee Benefit Services | $36.9M | 17% |
| Insurance Services | $12.7M | 6% |
| Wealth Management Services | $9.6M | 4% |
