Beacon Financial Corp. (BBT) Financial Ratios
6 years of historical data (2020–2025) · Financial Services · Asset Management
EV/EBITDA
↓
9.62
↓-65% vs avg
5yr avg: 27.42
30Y Low8.8·High39.9
P/FCF
↑
N/A
—
5yr avg: 22.80
30Y Low7.7·High24.3
P/B Ratio
↓
1.01
↓-51% vs avg
5yr avg: 2.06
30Y Low0.9·High2.8
ROE
↓
4.9%
↑-33% vs avg
5yr avg: 7.3%
30Y Low-45%·High11%
Debt/EBITDA
↑
6.69
↓-39% vs avg
5yr avg: 11.03
30Y Low2.4·High18.1
Percentile shows where the current value sits in 30-year historical distribution. Sparklines show 5-year trend.
BBT Valuation Multiples
Price-based multiples — how expensive the stock is relative to earnings, sales, book value, and cash flow
Beacon Financial Corp. trades at 28.0x earnings, 6% below its 5-year average of 30.0x, sitting at the 40th percentile of its historical range. Compared to the Financial Services sector median P/E of 13.1x, the stock trades at a premium of 113%.
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 |
|---|---|---|---|---|---|---|---|
| Market Cap | $2.4B | $2.3B | $2.4B | $2.2B | $2.7B | $2.8B | $1.7B |
| Enterprise Value | $1.3B | $1.2B | $3.5B | $3.4B | $3.8B | $2.9B | $2.4B |
| P/E Ratio → | 28.04 | 25.60 | 39.76 | 31.04 | 29.60 | 23.79 | — |
| P/S Ratio | 3.20 | 3.05 | 3.78 | 3.56 | 6.26 | 6.12 | — |
| P/B Ratio | 1.01 | 0.93 | 1.99 | 1.80 | 2.77 | 2.83 | 1.45 |
| P/FCF | — | — | 24.32 | 20.73 | 24.22 | 21.94 | 7.66 |
| P/OCF | — | — | 23.17 | 18.53 | 22.74 | 21.15 | 7.42 |
P/E links to full P/E history page with 30-year chart
BBT EV Ratios
Enterprise-value multiples — capital-structure-neutral measures of total business value
Beacon Financial Corp.'s enterprise value stands at 9.6x EBITDA, 65% below its 5-year average of 27.4x. The Financial Services sector median is 11.5x, placing the stock at a 16% discount on an enterprise-value basis.
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 |
|---|---|---|---|---|---|---|---|
| EV / Revenue | — | 1.51 | 5.37 | 5.66 | 8.70 | 6.22 | — |
| EV / EBITDA | 9.62 | 8.75 | 39.91 | 39.60 | 30.92 | 17.92 | — |
| EV / EBIT | 10.37 | 9.44 | 43.42 | 43.87 | 33.52 | 19.24 | — |
| EV / FCF | — | — | 34.53 | 32.96 | 33.65 | 22.33 | 10.53 |
BBT Profitability
Margins and return-on-capital ratios measuring operating efficiency
Beacon Financial Corp. earns an operating margin of 16.0%, below the Financial Services sector average of 21.6%. Operating margins have expanded from 12.9% to 16.0% over the past 3 years, signaling improving operational efficiency. ROE of 4.9% is modest, trailing the sector median of 9.4%. ROIC of 3.0% represents below-average returns on invested capital versus a sector median of 5.7%.
Margins
Full margin charts and quarterly trend are on the Earnings History page
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 |
|---|---|---|---|---|---|---|---|
| Gross Margin | 51.1% | 51.1% | 55.5% | 60.6% | 87.8% | 91.9% | 126.3% |
| Operating Margin | 16.0% | 16.0% | 12.4% | 12.9% | 26.0% | 32.3% | 82.9% |
| Net Profit Margin | 11.9% | 11.9% | 9.5% | 11.5% | 21.1% | 25.8% | 82.9% |
Return on Capital
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 |
|---|---|---|---|---|---|---|---|
| ROE | 4.9% | 4.9% | 5.0% | 6.4% | 9.3% | 10.9% | -44.9% |
| ROA | 0.5% | 0.5% | 0.5% | 0.7% | 1.0% | 1.1% | -4.1% |
| ROIC | 3.0% | 3.0% | 2.2% | 2.3% | 4.5% | 7.0% | -21.8% |
| ROCE | 5.1% | 5.1% | 3.5% | 3.0% | 5.9% | 4.7% | -10.7% |
BBT Leverage & Debt
Solvency and debt-coverage ratios — lower is generally safer
Beacon Financial Corp. carries a Debt/EBITDA ratio of 6.7x, which is highly leveraged (61% above the sector average of 4.1x). The company holds a net cash position — cash of $2.0B exceeds total debt of $879M, providing substantial financial flexibility for buybacks, acquisitions, or weathering downturns. Interest coverage of just 0.4x is concerning — the company has limited headroom to absorb earnings volatility before struggling with debt service.
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 |
|---|---|---|---|---|---|---|---|
| Debt / Equity | 0.35 | 0.35 | 1.28 | 1.18 | 1.46 | 0.38 | 0.54 |
| Debt / EBITDA | 6.69 | 6.69 | 18.09 | 16.24 | 11.77 | 2.36 | — |
| Net Debt / Equity | — | -0.47 | 0.84 | 1.06 | 1.08 | 0.05 | 0.54 |
| Net Debt / EBITDA | -8.85 | -8.85 | 11.80 | 14.70 | 8.66 | 0.31 | — |
| Debt / FCF | — | — | 10.21 | 12.24 | 9.43 | 0.39 | 2.87 |
| Interest Coverage | 0.37 | 0.37 | 0.30 | 0.38 | 2.67 | 3.93 | -5.73 |
Net cash position: cash ($2.0B) exceeds total debt ($879M)
BBT Liquidity & Efficiency
Short-term solvency ratios and asset-utilisation metrics
The current ratio of 0.19x is below 1.0, meaning current liabilities exceed current assets — though the company's $2.0B cash position helps mitigate short-term liquidity concerns. The current ratio has improved from 0.12x to 0.19x over the past 3 years.
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 |
|---|---|---|---|---|---|---|---|
| Current Ratio | 0.19 | 0.19 | 0.14 | 0.12 | 0.15 | 0.15 | 0.25 |
| Quick Ratio | 0.19 | 0.19 | 0.14 | 0.12 | 0.15 | 0.15 | 0.25 |
| Cash Ratio | 0.10 | 0.10 | 0.05 | 0.02 | 0.06 | 0.05 | — |
| Asset Turnover | — | 0.03 | 0.05 | 0.05 | 0.05 | 0.05 | -0.05 |
| Inventory Turnover | — | — | — | — | — | — | — |
| Days Sales Outstanding | — | — | — | — | — | — | — |
BBT Shareholder Yields
Earnings, FCF, buyback, and dividend yields — total returns to shareholders
Beacon Financial Corp. does not currently pay a dividend and has no material buyback yield, reinvesting earnings back into the business. The earnings yield of 3.6% (inverse of P/E) provides a useful comparison to bond yields when assessing the stock's relative attractiveness to fixed income.
Dividends
Full dividend history and growth charts are on the Dividend History page
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 |
|---|---|---|---|---|---|---|---|
| Dividend Yield | — | — | 2.0% | 2.2% | 1.5% | 1.3% | 2.1% |
| Payout Ratio | — | — | 78.8% | 68.9% | 43.3% | 31.6% | — |
Total Shareholder Return Metrics
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 |
|---|---|---|---|---|---|---|---|
| Earnings Yield | 3.6% | 3.9% | 2.5% | 3.2% | 3.4% | 4.2% | — |
| FCF Yield | — | — | 4.1% | 4.8% | 4.1% | 4.6% | 13.1% |
| Buyback Yield | 0.0% | 0.0% | 0.7% | 1.1% | 0.5% | 0.4% | 0.0% |
| Total Shareholder Yield | 0.0% | 0.0% | 2.7% | 3.3% | 2.0% | 1.7% | 2.2% |
| Shares Outstanding | — | $88M | $86M | $87M | $92M | $99M | $101M |
Peer Comparison
Compare BBT with 10 similar companies in its peer group
| Company | Market Cap | P/E | EV/EBITDA | P/FCF | Gross Margin | Op Margin | ROE | ROIC | Debt/EBITDA |
|---|---|---|---|---|---|---|---|---|---|
 BBTYou | $2B | 28.0 | 9.6 | — | 51.1% | 16.0% | 4.9% | 3.0% | 6.7 |
 TFC | $65B | 14.8 | 232.7 | 30.3 | 47.0% | -2.5% | 7.8% | -0.4% | 164.7 |
 RF | $24B | 12.2 | 6.5 | 11.1 | 74.6% | 28.5% | 11.7% | 8.5% | 1.7 |
 CFG | $28B | 21.2 | 12.1 | 14.7 | 57.6% | 15.3% | 6.2% | 3.8% | 5.2 |
 HBAN | $26B | 11.6 | 15.7 | 11.2 | 61.7% | 21.5% | 10.0% | 5.1% | 6.9 |
 KEY | $24B | 14.3 | 14.5 | — | 62.3% | 20.6% | 9.5% | 5.4% | 4.7 |
 FITB | $33B | 15.8 | 14.4 | 13.8 | 59.2% | 22.3% | 11.9% | 5.7% | 5.6 |
 MTB | $33B | 14.6 | 6.7 | 9.6 | 64.3% | 24.7% | 9.2% | 6.0% | 3.6 |
 USB | $86B | 12.0 | 11.4 | — | 62.8% | 22.2% | 12.2% | 5.2% | 7.6 |
 PNC | $89B | 16.0 | 13.9 | 11.3 | 59.4% | 21.5% | 11.2% | 4.5% | 8.2 |
 ZION | $9B | 12.7 | 8.9 | 8.8 | 61.2% | 20.3% | 13.3% | 7.3% | 3.8 |
| Financial Services Median | — | 13.1 | 11.5 | 10.6 | 63.6% | 21.6% | 9.4% | 5.7% | 4.1 |
Peer selection based on competitive and market overlap. Compare multiple stocks →
Download Financial Ratios Data
Includes 30+ ratios · 6 years · Updated daily
See BBT's True Return
Price is only half the story. See total return with reinvested dividends.
Launch CalculatorIs BBT Undervalued?
DCF intrinsic value, peer multiples, and analyst estimates — see what the stock is really worth.
View ValuationCompare BBT vs TFC
Side-by-side business, growth, and profitability comparison vs Truist Financial Corporation.
Start ComparisonBBT — Frequently Asked Questions
Quick answers to the most common questions about buying BBT stock.
What is Beacon Financial Corp.'s P/E ratio?
Beacon Financial Corp.'s current P/E ratio is 28.0x. The historical average is 30.0x. This places it at the 40th percentile of its historical range.
What is Beacon Financial Corp.'s EV/EBITDA?
Beacon Financial Corp.'s current EV/EBITDA is 9.6x. This enterprise value multiple compares the company's total value (equity + debt - cash) to its EBITDA. The historical average is 27.4x.
What is Beacon Financial Corp.'s ROE?
Beacon Financial Corp.'s return on equity (ROE) is 4.9%. The historical average is -1.4%.
Is BBT stock overvalued?
Based on historical data, Beacon Financial Corp. is trading at a P/E of 28.0x. This is at the 40th percentile of its historical P/E range. Compare with industry peers and growth rates for a complete picture.
What are Beacon Financial Corp.'s profit margins?
Beacon Financial Corp. has 51.1% gross margin and 16.0% operating margin. Operating margin between 10-20% is typical for established companies.
How much debt does Beacon Financial Corp. have?
Beacon Financial Corp.'s Debt/EBITDA ratio is 6.7x, indicating high leverage. A ratio above 4x may signal elevated financial risk.