Beacon Financial Corp.(BBT)Earnings, Financials & Key Ratios
BBT•NYSE•Banking & Credit
$28.85
$2.42B mkt cap·28.0× P/E·Price updated May 6, 2026
AboutBeacon Financial Corp. engages in the provision of financial planning, advisory, and banking services.Show more
- Net Interest Income$503M+43.1%
- Total Revenue$759M+18.0%
- Net Income$90M+48.0%
- Return on Equity4.86%-3.7%
- Net Interest Margin2.17%-26.6%
- Efficiency Ratio35.08%-18.7%
- ROA0.51%-1.9%
- Equity / Assets10.75%+4.7%
- Book Value per Share28.46+99.2%
- Tangible BV/Share22.29+97.9%
- Debt/Equity0.35-72.5%
BBT Key Insights
Beacon Financial Corp. (BBT) fundamental analysis — strengths, weaknesses & financial health based on data analysis
✓Strengths
- ✓Efficient operations: 35.1% efficiency ratio
- ✓Well capitalized: 10.7% equity/assets
- ✓Trading at only 1.0x book value
✗Weaknesses
- ✗Weak Piotroski F-Score: 3/9
* These insights are generated automatically based on available financial data. Please conduct your own research before making investment decisions.
BBT Price & Volume
Beacon Financial Corp. (BBT) stock price & volume — 10-year historical chart
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BBT Growth Metrics
Beacon Financial Corp. (BBT) revenue, earnings & EPS growth — 3, 5 & 10-year CAGR
Revenue CAGR
10 Years-
5 Years-
3 Years20.1%
TTM-
Profit CAGR
10 Years-
5 Years-
3 Years-0.82%
TTM35.69%
EPS CAGR
10 Years-
5 Years-
3 Years0.66%
TTM18.45%
Return on Capital
10 Years1.9%
5 Years4.43%
3 Years3.86%
Last Year5.07%
BBT Recent Earnings
Beacon Financial Corp. (BBT) EPS & revenue vs analyst estimates — last 4 quarters
●Beat EPS 1/4 qtrs (25%)●Beat Revenue 1/4 qtrs (33%)
Q2 2026Latest
Apr 29, 2026EPS
$0.70
Est $0.83
-15.7%
Revenue
$215M
Est $230M
-6.7%
Q2 2026
Apr 23, 2026EPS
$0.60
Est $0.84
-28.6%
Revenue
—
Est $227M
Q1 2026
Jan 28, 2026EPS
$0.79
Est $0.79
+0.0%
Revenue
$226M
Est $231M
-2.3%
Q3 2025
Jul 24, 2025EPS
$0.69
Est $0.58
+19.0%
Revenue
$114M
Est $113M
+0.3%
| Quarter | Date | EPS (Act vs Est) | Revenue (Act vs Est) |
|---|---|---|---|
| Q2 2026Latest | Apr 29, 2026 | $0.70vs $0.83-15.7% | $215Mvs $230M-6.7% |
| Q2 2026 | Apr 23, 2026 | $0.60vs $0.84-28.6% | —vs $227M |
| Q1 2026 | Jan 28, 2026 | $0.79vs $0.79+0.0% | $226Mvs $231M-2.3% |
| Q3 2025 | Jul 24, 2025 | $0.69vs $0.58+19.0% | $114Mvs $113M+0.3% |
Based on last 4 quarters of dataView full earnings history →
BBT Peer Comparison
Beacon Financial Corp. (BBT) competitors in Wealth managers and broker platforms — business model, growth, and fundamentals comparison
| Company | Market Cap | Stock Price | P/E Ratio (TTM) | Revenue Growth 1Y | Net Margin | Return on Equity (ROE) | FCF Yield | Debt / Equity |
|---|---|---|---|---|---|---|---|---|
 TFC | 66.85B | 50.80 | 15.12 | -19.02% | 7.97% | 0.98 | ||
 RF | 24.49B | 28.21 | 12.32 | 2.51% | 11.29% | 0.26 | ||
 CFG | 28.31B | 65.62 | 21.66 | 1.31% | 6.6% | 0.51 | ||
 HBAN | 26.34B | 16.64 | 11.97 | 4.38% | 10.04% | 0.76 | ||
 KEY | 24.51B | 22.23 | 14.63 | 23.56% | 8.97% | 0.54 | ||
 FITB | 34.06B | 50.84 | 16.19 | 5.62% | 11.43% | 0.97 | ||
 MTB | 33.42B | 217.42 | 14.85 | 7.18% | 9.65% | 0.47 | ||
 USB | 87.33B | 56.16 | 12.18 | 0.35% | 11.54% | 1.19 |
Compare BBT vs Peers
Beacon Financial Corp. (BBT) vs competitors — business, growth, and fundamentals comparison against the closest industry rivals.
BBT Income Statement
Beacon Financial Corp. (BBT) annual income statement — 10-year revenue, gross profit & net income history
10Y historyFree accessUpdated daily
| Line item | Dec'20 | Dec'21 | Dec'22 | Dec'23 | Dec'24 | Dec'25 |
|---|---|---|---|---|---|---|
| Net Interest Income | 316.78M | 291.17M | 344.6M | 369.05M | 351.59M | 503.11M |
| NII Growth % | - | -8.09% | 18.35% | 7.1% | -4.73% | 43.1% |
| Net Interest Margin % | 2.46% | 3.38% | 3.75% | 3.24% | 2.95% | 2.17% |
| Interest Income | 409.78M | 329.06M | 387.26M | 576.3M | 613.94M | 832.79M |
| Interest Expense | 93M | 37.9M | 42.66M | 207.25M | 262.35M | 329.68M |
| Loan Loss Provision | 75.88M | -500K | 11M | 32M | 24M | 41.39M |
| Non-Interest Income | -1.05B | 131.67M | 51.08M | 30.25M | 29.43M | -73.5M |
| Non-Interest Income % | 163.71% | 28.58% | 11.65% | 4.99% | 4.57% | -9.68% |
| Total Revenue | -643.24M▲ 0% | 460.73M▲ 171.6% | 438.34M▼ 4.9% | 606.54M▲ 38.4% | 643.37M▲ 6.1% | 759.29M▲ 18.0% |
| Revenue Growth % | - | 171.63% | -4.86% | 38.37% | 6.07% | 18.02% |
| Non-Interest Expense | -279.09M | 274.31M | 270.86M | 288.97M | 277.5M | 266.35M |
| Efficiency Ratio | 43.39% | 59.54% | 61.79% | 47.64% | 43.13% | 35.08% |
| Operating Income | -533.03M▲ 0% | 149.02M▲ 128.0% | 113.82M▼ 23.6% | 78.32M▼ 31.2% | 79.52M▲ 1.5% | 121.86M▲ 53.3% |
| Operating Margin % | 82.87% | 32.34% | 25.97% | 12.91% | 12.36% | 16.05% |
| Operating Income Growth % | - | 127.96% | -23.62% | -31.19% | 1.52% | 53.26% |
| Pretax Income | -533.03M▲ 0% | 149.02M▲ 128.0% | 113.82M▼ 23.6% | 78.32M▼ 31.2% | 79.52M▲ 1.5% | 121.86M▲ 53.3% |
| Pretax Margin % | 82.87% | 32.34% | 25.97% | 12.91% | 12.36% | 16.05% |
| Income Tax | -19.85M | 30.36M | 21.29M | 8.72M | 18.51M | 31.59M |
| Effective Tax Rate % | 3.72% | 20.37% | 18.7% | 11.14% | 23.28% | 25.92% |
| Net Income | -533.02M▲ 0% | 118.66M▲ 122.3% | 92.53M▼ 22.0% | 69.6M▼ 24.8% | 61M▼ 12.3% | 90.27M▲ 48.0% |
| Net Margin % | 82.86% | 25.76% | 21.11% | 11.47% | 9.48% | 11.89% |
| Net Income Growth % | - | 122.26% | -22.02% | -24.79% | -12.35% | 47.98% |
| Net Income (Continuing) | -513.17M | 118.66M | 92.53M | 69.6M | 61M | 90.27M |
| EPS (Diluted) | -5.31▲ 0% | 1.20▲ 122.5% | 1.01▼ 15.5% | 0.80▼ 20.8% | 0.72▼ 10.6% | 1.03▲ 44.1% |
| EPS Growth % | - | 122.53% | -15.48% | -20.79% | -10.63% | 44.06% |
| EPS (Basic) | -5.31 | 1.21 | 1.02 | 0.81 | 0.72 | 1.03 |
| Diluted Shares Outstanding | 100.54M | 99.11M | 91.83M | 87.01M | 85.52M | 87.7M |
BBT Balance Sheet
Beacon Financial Corp. (BBT) balance sheet — assets, liabilities & shareholders' equity
| Line item | Dec'20 | Dec'21 | Dec'22 | Dec'23 | Dec'24 | Dec'25 |
|---|---|---|---|---|---|---|
| Cash & Short Term Investments | 0 | 1.05B | 1.04B | 1.05B | 1.44B | 3.73B |
| Cash & Due from Banks | 0 | 327.74M | 382.96M | 133.03M | 543.67M | 2.04B |
| Short Term Investments | 0 | 720.87M | 656.66M | 916.16M | 894.95M | 1.69B |
| Total Investments | 0 | 7.78B | 8.2B | 10.44B | 10.55B | 19.47B |
| Investments Growth % | - | - | 5.48% | 27.28% | 1.04% | 84.52% |
| Long-Term Investments | 0 | 7.06B | 7.55B | 9.52B | 9.65B | 17.78B |
| Accounts Receivables | 0 | 0 | 0 | 0 | 0 | 0 |
| Goodwill & Intangibles | 34.82M | 162.7M | 162.21M | 265.43M | 258.68M | 541.17M |
| Goodwill | 0 | 160.43M | 160.43M | 241.22M | 241.22M | 351.61M |
| Intangible Assets | 34.82M | 2.28M | 1.78M | 24.21M | 17.46M | 189.56M |
| PP&E (Net) | 172.68M | 90.87M | 90.88M | 120.72M | 130.31M | 245.29M |
| Other Assets | -288.24M | 206.09M | 294.99M | 365.9M | 366.89M | 777.29M |
| Total Current Assets | 1.97B | 1.05B | 1.04B | 1.05B | 1.44B | 3.73B |
| Total Non-Current Assets | 0 | 7.55B | 8.15B | 10.33B | 10.47B | 19.49B |
| Total Assets | 12.87B▲ 0% | 8.6B▼ 33.2% | 9.19B▲ 6.8% | 11.38B▲ 23.9% | 11.91B▲ 4.6% | 23.22B▲ 95.0% |
| Asset Growth % | - | -33.17% | 6.78% | 23.91% | 4.6% | 95.04% |
| Return on Assets (ROA) | -4.14% | 1.11% | 1.04% | 0.68% | 0.52% | 0.51% |
| Accounts Payable | 0 | 0 | 0 | 0 | 0 | 0 |
| Total Debt | 645.91M | 377.83M | 1.45B | 1.41B | 1.56B | 879.07M |
| Net Debt | 645.91M | 50.09M | 1.07B | 1.28B | 1.02B | -1.16B |
| Long-Term Debt | 176.16M | 357.32M | 1.43B | 1.38B | 161.88M | 243.91M |
| Short-Term Debt | 407.37M | 0 | 0 | 0 | 1.36B | 544.45M |
| Other Liabilities | -272.91M | 21.09M | 26.21M | 226.82M | 217.11M | 330.58M |
| Total Current Liabilities | 7.91B | 7.21B | 6.72B | 8.55B | 10.26B | 20.06B |
| Total Non-Current Liabilities | 0 | 398.92M | 1.48B | 1.64B | 423.78M | 665.21M |
| Total Liabilities | 11.68B | 7.61B | 8.19B | 10.18B | 10.68B | 20.72B |
| Total Equity | 1.19B▲ 0% | 995.34M▼ 16.2% | 992.13M▼ 0.3% | 1.2B▲ 20.8% | 1.22B▲ 1.9% | 2.5B▲ 104.3% |
| Equity Growth % | - | -16.2% | -0.32% | 20.82% | 1.94% | 104.27% |
| Equity / Assets (Capital Ratio) | 9.23% | 11.57% | 10.8% | 10.53% | 10.26% | 10.75% |
| Return on Equity (ROE) | -44.88% | 10.87% | 9.31% | 6.35% | 5.04% | 4.86% |
| Book Value per Share | 11.81 | 10.04 | 10.80 | 13.78 | 14.29 | 28.46 |
| Tangible BV per Share | 11.47 | 8.40 | 9.04 | 10.73 | 11.26 | 22.29 |
| Common Stock | 528K | 852K | 852K | 970K | 970K | 896K |
| Additional Paid-in Capital | 1.43B | 736.83M | 736.07M | 902.66M | 902.58M | 2.17B |
| Retained Earnings | -233.34M | 342.64M | 412.02M | 438.72M | 458.94M | 485.86M |
| Accumulated OCI | 24.63M | -110K | -61.95M | -52.8M | -52.88M | -20M |
| Treasury Stock | -31.28M | -84.72M | -94.87M | -90.91M | -87.68M | -142.58M |
| Preferred Stock | 0 | 0 | 0 | 0 | 0 | 0 |
BBT Cash Flow Statement
Beacon Financial Corp. (BBT) cash flow — operating, investing & free cash flow history
| Line item | Dec'20 | Dec'21 | Dec'22 | Dec'23 | Dec'24 | Dec'25 |
|---|---|---|---|---|---|---|
| Cash from Operations | 231.91M | 133.21M | 120.76M | 116.6M | 104.95M | 0 |
| Operating CF Growth % | - | -42.56% | -9.35% | -3.45% | -9.99% | -100% |
| Net Income | -513.17M | 115.44M | 109.74M | 75M | 68.72M | 90.27M |
| Depreciation & Amortization | 0 | 6.67M | 6.52M | 16M | 14.64M | 0 |
| Deferred Taxes | 0 | 5.83M | 4.36M | 16.17M | 409K | 0 |
| Other Non-Cash Items | 745.08M | -4.07M | 11.05M | 19.23M | 10.34M | -90.27M |
| Working Capital Changes | 0 | 6.59M | -14.33M | -13.52M | 7.47M | 0 |
| Cash from Investing | 636.84M | 131.11M | -557.69M | -665.26M | -139.6M | 0 |
| Purchase of Investments | -1.05B | -223.07M | -197.63M | -362.9M | -148.48M | 0 |
| Sale/Maturity of Investments | 597.09M | 223.33M | 177.35M | 502.4M | 174M | 0 |
| Net Investment Activity | -457.66M | 258K | -20.28M | 139.5M | 25.52M | 0 |
| Acquisitions | 0 | 0 | 0 | -80.21M | 0 | 0 |
| Other Investing | 1.1B | 135.65M | -530.02M | -712.19M | -160.14M | 0 |
| Cash from Financing | 109.3M | -371.51M | 492.15M | 298.74M | 445.29M | 0 |
| Dividends Paid | -36.56M | -37.46M | -40.08M | -47.93M | -48.06M | 0 |
| Share Repurchases | -473K | -9.98M | -13.78M | -23.84M | -17.54M | 0 |
| Stock Issued | 664K | 0 | 0 | 0 | 100.12M | 0 |
| Net Stock Activity | 191K | -9.98M | -13.78M | -23.84M | 82.58M | 0 |
| Debt Issuance (Net) | -1000K | -1000K | 1000K | -1000K | 1000K | 0 |
| Other Financing | 402.05M | 139.01M | -529.17M | 479.77M | 267.85M | 0 |
| Net Change in Cash | 0▲ 0% | -107.18M▲ 0% | 55.22M▲ 151.5% | -249.93M▼ 552.6% | 410.64M▲ 264.3% | -543.67M▼ 232.4% |
| Exchange Rate Effect | -978.05M | 0 | 0 | 0 | 0 | 0 |
| Cash at Beginning | 0 | 434.92M | 327.74M | 382.96M | 133.03M | 543.67M |
| Cash at End | 0 | 327.74M | 382.96M | 133.03M | 543.67M | 0 |
| Interest Paid | 0 | 30.29M | 41.04M | 238.4M | 291.43M | 0 |
| Income Taxes Paid | 0 | 27.8M | 22.55M | 8.63M | 13.09M | 0 |
| Free Cash Flow | 224.7M▲ 0% | 128.42M▼ 42.8% | 113.37M▼ 11.7% | 104.24M▼ 8.1% | 99.97M▼ 4.1% | 0▼ 100.0% |
| FCF Growth % | - | -42.85% | -11.72% | -8.06% | -4.1% | -100% |
BBT Banking Ratios
Beacon Financial Corp. (BBT) financial ratios — P/E, ROE, debt and 30+ core market and balance-sheet ratios
| Metric | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|---|---|
| Return on Equity (ROE) | -44.88% | 10.87% | 9.31% | 6.35% | 5.04% | 4.86% |
| Return on Assets (ROA) | -4.14% | 1.11% | 1.04% | 0.68% | 0.52% | 0.51% |
| Net Interest Margin | 2.46% | 3.38% | 3.75% | 3.24% | 2.95% | 2.17% |
| Efficiency Ratio | 43.39% | 59.54% | 61.79% | 47.64% | 43.13% | 35.08% |
| Equity / Assets | 9.23% | 11.57% | 10.8% | 10.53% | 10.26% | 10.75% |
| Book Value / Share | 11.81 | 10.04 | 10.8 | 13.78 | 14.29 | 28.46 |
| NII Growth | - | -8.09% | 18.35% | 7.1% | -4.73% | 43.1% |
| Dividend Payout | - | 31.57% | 43.31% | 68.86% | 78.78% | - |
BBT Frequently Asked Questions
Beacon Financial Corp. (BBT) stock FAQ — growth, dividends, profitability & financials explained
Growth & Financials
Beacon Financial Corp. (BBT) grew revenue by 18.0% over the past year. This is strong growth.
Yes, Beacon Financial Corp. (BBT) is profitable, generating $59.2M in net income for fiscal year 2025 (11.9% net margin).
Dividend & Returns
Beacon Financial Corp. (BBT) has a return on equity (ROE) of 4.9%. This is below average, suggesting room for improvement.
Industry Metrics
Beacon Financial Corp. (BBT) has a net interest margin (NIM) of 2.2%. NIM has been under pressure due to interest rate environment.
Beacon Financial Corp. (BBT) has an efficiency ratio of 35.1%. This is excellent, indicating strong cost control.
Explore More BBT
Beacon Financial Corp. (BBT) financial analysis — history, returns, DCA and operating performance tools
Total Return Calculator
Historical returns with dividends reinvested
DCA Calculator
Dollar cost averaging vs lump sum
Dividend History
Yield, growth, payout safety & DRIP
Earnings History
EPS trends, net income & profitability
Price History
Long-term charts & historical price data
Revenue History
Sales growth patterns & revenue breakdown
Financial Ratios
30 years of market, efficiency and balance-sheet ratios
Valuation
DCF intrinsic value, peer multiples & estimates