Beacon Financial Corp. (BBT) 10-Year Financial Performance & Capital Metrics

BBT • • Banking & Credit

Financial ServicesAsset ManagementWealth Management & Financial AdvisoryComprehensive Wealth Management Firms

AboutBeacon Financial Corp. engages in the provision of financial planning, advisory, and banking services.Show more

Net Interest Income $330M -3.0%
Total Revenue $654M +7.5%
Net Income $69M -8.4%
Return on Equity 5.68% -17.1%
Net Interest Margin 2.77% -7.2%
Efficiency Ratio 36.95% -6.1%
ROA 0.59% -19.1%
Equity / Assets 10.26% -2.5%
Book Value per Share 32.58 +1.0%
Tangible BV/Share 25.68 +2.2%
Debt/Equity 1.28 +9.0%

Technical Analysis

Key Insights

Based on financial data analysis

✓Strengths

✓Efficient operations: 37.0% efficiency ratio
✓Well capitalized: 10.3% equity/assets
✓Healthy dividend yield of 4.7%
✓Trading at only 0.8x book value

✗Weaknesses

No significant weaknesses identified

Price & Volume

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Growth Metrics

Revenue CAGR

10Y-

5Y-

3Y24.58%

TTM-

Profit (Net Income) CAGR

10Y-

5Y-

3Y-15.88%

TTM-

EPS CAGR

10Y-

5Y-

3Y-19.59%

TTM-

ROCE

10Y Avg4.05%

5Y Avg4.05%

3Y Avg4.96%

Latest4.09%

Peer Comparison

Comprehensive Wealth Management Firms

Name	Market Cap	Current Price	P/E Ratio	Revenue Growth 1Y	Net Margin	ROE	FCF Yield	Debt/Equity
BKThe Bank of New York Mellon Corporation	85.32B	123.97	21.37	17.05%	11.45%	11.82%		1.09
AMPAmeriprise Financial, Inc.	47.21B	508.10	15.37	11.37%	18.97%	56.17%	13.6%	1.05
SAMGSilvercrest Asset Management Group Inc.	124.58M	15.34	15.34	5.32%	7.71%	7.08%	15.97%	0.19
BBTBeacon Financial Corp.	2.3B	27.39	14.97	7.49%	10.5%	6.28%	4.35%	1.28
BMHLBluemount Holdings Limited	51.93M	3.71	9.75	-14.29%	28.04%	39.29%		0.04
BRBIBRBI BR Partners S.A. ADSs	367.48M	14.00	5.69	13.08%	2.61%	23.83%	23.77%	12.34
NOAHNoah Holdings Limited	743.07M	11.18	0.33	-21.06%	18.28%	6.63%	41.07%	0.01
AUREPrestige Wealth Inc.	54.17M	0.28	-0.34	83.6%	-10.75%	-149.12%		0.06

Profit & Loss

	Dec 2020	Dec 2021	Dec 2022	Dec 2023	Dec 2024
Net Interest Income+	0	282.37M	299.77M	339.71M	329.58M
NII Growth %	-	-	0.06%	0.13%	-0.03%
Net Interest Margin %	-	-	-	-	-
Interest Income	0	311.53M	345.19M	577.29M	628.52M
Interest Expense	0	29.16M	45.41M	237.58M	298.94M
Loan Loss Provision	0	-7.84M	8.53M	37.87M	22M
Non-Interest Income+	475.97M	26.99M	28.25M	31.59M	25.97M
Non-Interest Income %	-	-	-	-	-
Total Revenue+	475.97M	338.52M	373.43M	608.88M	654.5M
Revenue Growth %	-	-0.29%	0.1%	0.63%	0.07%
Non-Interest Expense	0	162.61M	179.54M	239.52M	241.87M
Efficiency Ratio	-	-	-	-	-
Operating Income+	25.33M	154.59M	139.95M	93.91M	91.69M
Operating Margin %	-	-	-	-	-
Operating Income Growth %	-	5.1%	-0.09%	-0.33%	-0.02%
Pretax Income+	-533.03M	154.59M	139.95M	93.91M	91.69M
Pretax Margin %	-	-	-	-	-
Income Tax+	-19.85M	39.15M	30.2M	18.91M	22.98M
Effective Tax Rate %	-	-	-	-	-
Net Income+	-533.02M	115.44M	109.74M	75M	68.72M
Net Margin %	-	-	-	-	-
Net Income Growth %	-	1.22%	-0.05%	-0.32%	-0.08%
Net Income (Continuing)	-513.17M	115.44M	109.74M	75M	68.72M
EPS (Diluted)+	-10.61	3.52	3.38	2.02	1.83
EPS Growth %	-	1.33%	-0.04%	-0.4%	-0.09%
EPS (Basic)	-10.61	3.52	3.38	2.02	1.83
Diluted Shares Outstanding	50.27M	32.86M	32.49M	37.15M	37.51M

Balance Sheet

	Dec 2020	Dec 2021	Dec 2022	Dec 2023	Dec 2024
Cash & Short Term Investments+	0	1000K	1000K	1000K	1000K
Cash & Due from Banks	0	327.74M	382.96M	133.03M	543.67M
Short Term Investments	0	1000K	1000K	1000K	1000K
Total Investments+	0	7.78B	8.2B	10.44B	10.55B
Investments Growth %	-	-	0.05%	0.27%	0.01%
Long-Term Investments	0	7.06B	7.55B	9.52B	9.65B
Accounts Receivables	0	0	0	0	0
Goodwill & Intangibles+	-	-	-	-	-
Goodwill	0	160.43M	160.43M	241.22M	241.22M
Intangible Assets	34.82M	2.28M	1.78M	24.21M	17.46M
PP&E (Net)	172.68M	90.87M	90.88M	120.72M	130.31M
Other Assets	-288.24M	206.09M	294.99M	365.9M	366.89M
Total Current Assets	1.97B	1.05B	1.04B	1.05B	1.44B
Total Non-Current Assets	0	7.55B	8.15B	10.33B	10.47B
Total Assets+	12.87B	8.6B	9.19B	11.38B	11.91B
Asset Growth %	-	-0.33%	0.07%	0.24%	0.05%
Return on Assets (ROA)	-0.04%	0.01%	0.01%	0.01%	0.01%
Accounts Payable	0	0	0	0	0
Total Debt+	645.91M	377.83M	1.45B	1.41B	1.56B
Net Debt	645.91M	50.09M	1.07B	1.28B	1.02B
Long-Term Debt	176.16M	357.32M	1.43B	1.38B	161.88M
Short-Term Debt	407.37M	0	0	0	1.36B
Other Liabilities	-272.91M	21.09M	26.21M	226.82M	217.11M
Total Current Liabilities	7.91B	7.21B	6.72B	8.55B	10.26B
Total Non-Current Liabilities	0	398.92M	1.48B	1.64B	423.78M
Total Liabilities	11.68B	7.61B	8.19B	10.18B	10.68B
Total Equity+	1.19B	995.34M	992.13M	1.2B	1.22B
Equity Growth %	-	-0.16%	-0%	0.21%	0.02%
Equity / Assets (Capital Ratio)	-	-	-	-	-
Return on Equity (ROE)	-0.45%	0.11%	0.11%	0.07%	0.06%
Book Value per Share	23.63	30.29	30.54	32.27	32.58
Tangible BV per Share	-	-	-	-	-
Common Stock	528K	852K	852K	970K	970K
Additional Paid-in Capital	1.43B	736.83M	736.07M	902.66M	902.58M
Retained Earnings	-233.34M	342.64M	412.02M	438.72M	458.94M
Accumulated OCI	24.63M	-110K	-61.95M	-52.8M	-52.88M
Treasury Stock	-31.28M	-84.72M	-94.87M	-90.91M	-87.68M
Preferred Stock	0	0	0	0	0

Cash Flow

	Dec 2020	Dec 2021	Dec 2022	Dec 2023	Dec 2024
Cash from Operations+	231.91M	133.21M	120.76M	116.6M	104.95M
Operating CF Growth %	-	-0.43%	-0.09%	-0.03%	-0.1%
Net Income	-513.17M	115.44M	109.74M	75M	68.72M
Depreciation & Amortization	0	6.67M	6.52M	16M	14.64M
Deferred Taxes	0	5.83M	4.36M	16.17M	409K
Other Non-Cash Items	745.08M	-4.07M	11.05M	19.23M	10.34M
Working Capital Changes	0	6.59M	-14.33M	-13.52M	7.47M
Cash from Investing+	636.84M	131.11M	-557.69M	-665.26M	-139.6M
Purchase of Investments	-1.05B	-223.07M	-197.63M	-362.9M	-148.48M
Sale/Maturity of Investments	1000K	1000K	1000K	1000K	1000K
Net Investment Activity	-	-	-	-	-
Acquisitions	0	0	0	-80.21M	0
Other Investing	1.1B	135.65M	-530.02M	-712.19M	-160.14M
Cash from Financing+	109.3M	-371.51M	492.15M	298.74M	445.29M
Dividends Paid	-36.56M	-37.46M	-40.08M	-47.93M	-48.06M
Share Repurchases	-473K	-9.98M	-13.78M	-23.84M	-17.54M
Stock Issued	664K	0	0	0	100.12M
Net Stock Activity	-	-	-	-	-
Debt Issuance (Net)	-1000K	-1000K	1000K	-1000K	1000K
Other Financing	402.05M	139.01M	-529.17M	479.77M	267.85M
Net Change in Cash+	0	-107.18M	55.22M	-249.93M	410.64M
Exchange Rate Effect	-1000K	0	0	0	0
Cash at Beginning	0	434.92M	327.74M	382.96M	133.03M
Cash at End	0	327.74M	382.96M	133.03M	543.67M
Interest Paid	0	30.29M	41.04M	238.4M	291.43M
Income Taxes Paid	0	27.8M	22.55M	8.63M	13.09M
Free Cash Flow+	224.7M	128.42M	113.37M	104.24M	99.97M
FCF Growth %	-	-0.43%	-0.12%	-0.08%	-0.04%

Banking Ratios

Metric	2020	2021	2022	2023	2024
Return on Equity (ROE)	-44.88%	10.58%	11.04%	6.85%	5.68%
Return on Assets (ROA)	-4.14%	1.08%	1.23%	0.73%	0.59%
Net Interest Margin	0%	3.28%	3.26%	2.98%	2.77%
Efficiency Ratio	0%	48.04%	48.08%	39.34%	36.95%
Equity / Assets	9.23%	11.57%	10.8%	10.53%	10.26%
Book Value / Share	23.63	30.29	30.54	32.27	32.58
NII Growth	-	-	6.16%	13.32%	-2.98%
Dividend Payout	-	32.45%	36.52%	63.9%	69.94%

Frequently Asked Questions

Valuation & Price

Beacon Financial Corp. (BBT) has a price-to-earnings (P/E) ratio of 15.0x. This may indicate the stock is undervalued or faces growth challenges.

Growth & Financials

Beacon Financial Corp. (BBT) grew revenue by 7.5% over the past year. This is steady growth.

Yes, Beacon Financial Corp. (BBT) is profitable, generating $78.8M in net income for fiscal year 2024 (10.5% net margin).

Dividend & Returns

Yes, Beacon Financial Corp. (BBT) pays a dividend with a yield of 4.68%. This makes it attractive for income-focused investors.

Beacon Financial Corp. (BBT) has a return on equity (ROE) of 5.7%. This is below average, suggesting room for improvement.

Industry Metrics

Beacon Financial Corp. (BBT) has a net interest margin (NIM) of 2.8%. NIM has been under pressure due to interest rate environment.

Beacon Financial Corp. (BBT) has an efficiency ratio of 37.0%. This is excellent, indicating strong cost control.

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