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Beacon Financial Corporation

BBT Financial Banks Regional

Beacon Financial Corporation’s revenue for fiscal 2025 (year ended December 2025) was $882.7 million, up 34.9% from fiscal 2024.

Revenue
+42.2%
EPS
+1,560.0%
Free cash flow
+88.1%
Total debt
−28.2%

Quarter to September 2026, against a year earlier

30.62 0.72 −2.30%
Market cap
$2.6B
P/E
11.4×
Fwd P/E
10.9×
Dividend yield
0.00%
F-score
6/9
Altman Z
n/a
Beneish M
n/a
Dividend safety
n/a
Overview
Financials
Income Statement Balance Sheet Cash Flow Metrics & Ratios

Insider Decisions last twelve months

Bought, $m 0.28
Sold, $m 0.56
Trades a month
Jan 26 Apr 26 Jul 26 Oct 26
Buy — — — — — — — — — — 7 —
Sell — — 1 — — — — — — — 1 —
Insider Ownership 1.46%

Capital & Financial Ratios $m

Size
Market Cap 2,570.00
Revenue ttm 1,295.61
Net income ttm 159.79
Free cash flow ttm 215.86
Net debt Q 4.12
Valuation
P/E 11.38
Forward P/E 10.90
Price / sales 1.98
Forward P/S Powerpack
Price / FCF 11.89
Price / book 1.02
Financial health
Current ratio Q 0.98
Debt / equity Q 0.31
Interest coverage Q —
Growth
Revenue growth Q +42.19% (above 0%: growing)
Operating income growth Q +433.07% (above 0%: growing)
EPS, this year +85.36% (at or above 15%: strong)
EPS, next year A +13.48%
Revenue, next year A +0.08%
EPS, past 5 yrs —
EPS, next 5 yrs A +32.34% (at or above 15%: strong)

Green and red mark values outside typical ranges; (Q) is the latest quarter, (A) analysts’ estimates. How we judge →

Valuation vs history

P/E against its own 10 years 15.52%
10-year low 10-year high
P/S against its own 10 years 19.80%
10-year low 10-year high
P/B against its own 10 years 48.92%
10-year low 10-year high

Dividends

Yield
0.00%
Annual rate
0.00
Payout ratio
0.00%
Growth, 2017–25
−15.6%/yr
  1. 2.10 ’17
  2. 2.40 ’18 +14
  3. 2.63 ’19 +10
  4. 0.72 ’20 −73
  5. 0.48 ’21 −33
  6. 0.54 ’22 +13
  7. 0.72 ’23 +33
  8. 0.72 ’24 +0
  9. 0.54 ’25 −25
paid change on the year, % Powerpack

Assets vs Liabilities $m

2023 2024 2025 Q'26
Cash 1,222 544 2,042 771
Receivables — — — —
Inventory — — — —
Other — — — —
10,159 10,198 19,818 18,191
2023 2024 2025 Q'26
Payables 10,633 8,902 19,515 18,183
ST’ Debt — — — —
Other — — — —
10,893 9,103 19,830 18,493

Compound Annual Growth %

10y 5y 3y
Sales 11.35% 13.14% 24.61%
Cash Flow 10.03% (0.28%) 26.55%
Earnings 6.19% 0.00% (0.82%)
Book Value 10.90% 16.01% 37.79%

Earnings Trends EPS, adjusted, against the consensus

Q3 FY26 Estimate 0.78 Actual 0.77

Earnings per share against the consensus, by quarter
Quarter Estimate Reported Result
Q4 FY25 0.79 0.79 Met by 0.00
Q1 FY26 0.83 0.70 Miss by 0.13
Q2 FY26 0.77 0.77 Met by 0.00
Q3 FY26 0.78 0.77 Miss by 0.01
Q4 FY26 0.78 — Reports 27 January 2027

EPS $

Mar Jun Sep Dec Year
’26 0.55 0.77 0.73 — —
’25 0.21 0.25 (0.05) 0.64 1.03
’24 (0.47) 0.57 0.23 0.20 0.77
’23 0.63 0.55 0.45 (0.03) 0.85
’22 0.42 0.50 0.42 0.69 2.02
’21 0.26 0.43 1.31 0.42 2.39
’20 (0.40) (10.93) 0.42 0.30 (10.60)
Fiscal quarters ending in the months shown.

Revenue $m

Mar Jun Sep Dec Year
’26 316 320 325 — —
’25 159 160 229 335 883
’24 119 174 166 195 654
’23 149 163 165 132 609
’22 96 104 120 137 456
’21 114 107 153 97 472
’20 122 121 118 115 476
Fiscal quarters ending in the months shown.

Operating Cash Flow $m

Mar Jun Sep Dec Year
’26 (14) 64 — — —
’25 8 34 15 167 224
’24 7 35 20 43 105
’23 41 28 35 12 117
’22 13 (3) 78 23 111
’21 24 40 19 2 85
’20 35 142 18 33 228
Fiscal quarters ending in the months shown.

Free Cash Flow $m

Mar Jun Sep Dec Year
’26 (16) 61 — — —
’25 9 32 12 159 212
’24 7 34 18 41 100
’23 40 28 35 0 104
’22 13 (3) 78 22 109
’21 21 41 (334) 2 (270)
’20 32 141 16 32 220
Fiscal quarters ending in the months shown.

Target Price Range

Analyst price targets

Recommendation Rating

2.1
1Buy 2 3Hold 4 5Sell

Ten years at a glance Fiscal years to December

Ten-year view Analyst estimates Powerpack
Group Line 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 TTM Sep ’26 Trend 10 yrs 2026e 2027e 2028e Next 3/yr
Income, $m
Income, $m Revenue 346 429 540 594 476 472 456 609 654 883 1,296 +11.0% 883 916 951 +2.5%
Gross margin, % 86.09 85.07 79.69 75.69 80.47 91.98 90.65 61.00 54.30 62.65 67.84 (23.4) pt
EBT 77 91 138 124 (533) 149 114 94 92 122 373 +5.2%
EBT margin, % 22.37 21.24 25.58 20.89 (111.96) 31.55 24.95 15.42 14.02 13.81 28.80 (8.6) pt
Net income 59 49 106 97 (533) 119 93 75 69 90 160 +4.9%
Per share, $
Per share, $ Revenue 11.18 10.88 11.74 12.05 9.47 9.59 10.01 6.90 7.35 10.10 15.45 (1.1%)
Earnings 1.89 1.41 2.30 1.98 (10.60) 2.41 2.03 0.85 0.77 1.03 2.69 (6.5%)
Cash flow 3.17 1.98 4.83 2.26 4.53 1.72 2.43 1.32 1.18 2.57 0.00 (2.3%)
Capex (0.29) (0.29) (0.20) (0.21) (0.14) (7.20) (0.03) (0.14) (0.06) (0.14) 0.00 (7.6%)
Free cash flow 2.88 1.69 4.63 2.05 4.39 (5.48) 2.40 1.18 1.12 2.43 0.00 (1.9%)
Book value 35.28 37.92 33.74 35.70 23.63 24.01 20.94 11.47 13.73 28.57 30.05 (2.3%)
Shares, m 31 39 46 49 50 49 46 88 89 87 85 +12.2%
Valuation, ×
Valuation, × P/E 19.39 24.86 11.73 16.61 0.00 11.70 14.67 15.51 54.03 25.08 11.38 19.4
P/S 3.28 3.38 2.30 2.73 1.81 2.96 2.97 3.59 3.87 2.61 1.98 3.0
P/B 1.04 1.00 0.82 0.94 0.72 1.18 1.42 2.16 2.07 0.92 1.02 1.2
EV/Sales 3.58 3.76 2.57 2.85 (0.41) (0.30) 1.70 1.99 5.36 1.19 — 2.2
EV/FCF 13.91 24.17 6.53 16.74 (0.88) 0.52 7.11 11.65 35.07 4.95 — 12.0
Cash, $m
Cash, $m Operating cash flow 98 78 222 112 228 85 111 117 105 224 233 +9.6%
Capex (9) (11) (9) (11) (7) (354) (1) (12) (5) (12) (17) +3.7%
Free cash flow 89 67 213 101 220 (270) 109 104 100 212 216 +10.1%
Balance, $m
Balance, $m Working capital (951) (709) (866) (353) (698) (1,691) (1,379) (734) 1,095 (11) (302) (38.9%)
Net debt 106 164 148 70 (1,054) (1,541) (579) (976) 976 (1,253) 4 n/m
Shareholders’ equity 1,093 1,496 1,553 1,759 1,188 1,182 954 1,012 1,222 2,496 2,520 +9.6%
Returns, %
Returns, % ROA 0.69 0.53 0.88 0.76 (4.09) 0.97 0.80 0.62 0.56 0.51 1.01 (0.2) pt
ROIC 4.84 4.62 5.89 5.20 (247.16) 0.00 20.47 174.02 2.73 9.23 10.05 +4.4 pt
ROE 5.92 4.32 7.07 5.97 (36.71) 10.01 8.66 7.63 6.15 4.86 9.13 (1.1) pt
People
People Employees 1,731 1,992 1,917 1,917 1,505 1,319 1,310 1,340 1,238 2,050 — +1.9%
Revenue/emp, $m 0.20 0.22 0.28 0.31 0.32 0.36 0.35 0.45 0.53 0.43 — +8.9%
Negative figures in brackets.
estimates

All 10 years →

Fiscal years to Dec 2025 · latest quarter Sep 2026 · fundamentals updated 2 Nov 2026

Beacon Financial Corporation vs peers in Banks Regional (Q) = latest quarter vs a year earlier

Company Market cap P/E Fwd P/E Revenue growth (Q) EPS growth (Q) FCF growth (Q) Gross margin (Q) EBIT margin (Q) Compare
NBTB NBT Bancorp Inc. $2.8B 12.7× 12.4× +1.43% (above 0%: growing) +7.69% (above 0%: growing) +37.10% (above 0%: growing) 79.49% 0.00% Compare
BOH Bank of Hawaii Corporation $2.7B 12.0× 11.9× −0.66% (below 0%: shrinking) +35.07% (above 0%: growing) +211.82% (above 0%: growing) 73.11% 0.00% Compare
FBNC First Bancorp $2.7B 16.3× 13.5× +28.80% (above 0%: growing) +154.02% (above 0%: growing) +103.23% (above 0%: growing) 76.83% 0.00% Compare
FBK FB Financial Corporation $2.7B 12.0× 11.6× −1.10% (below 0%: shrinking) +179.07% (above 0%: growing) −58.85% (below 0%: shrinking) 66.94% 0.00% Compare
TRMK Trustmark Corporation $2.6B 11.1× 11.0× +0.24% (above 0%: growing) +6.55% (above 0%: growing) +48.33% (above 0%: growing) 74.14% 0.00% Compare
BBT Beacon Financial Corporation $2.6B 11.4× 10.9× +42.19% (above 0%: growing) n/m +88.09% (above 0%: growing) 68.68% 0.00%
FRME First Merchants Corporation $2.6B 12.7× 12.5× +12.85% (above 0%: growing) +11.22% (above 0%: growing) −10.46% (below 0%: shrinking) 65.93% 0.00% Compare
BANR Banner Corporation $2.6B 11.8× 11.7× +1.50% (above 0%: growing) −11.61% (below 0%: shrinking) −40.58% (below 0%: shrinking) 77.09% 0.00% Compare
SYBT Stock Yards Bancorp, Inc. $2.5B 15.2× 14.8× +11.93% (above 0%: growing) +14.63% (above 0%: growing) +134.96% (above 0%: growing) 74.21% 0.00% Compare
Median of peers $2.6B 12.4× 12.2× +1.47% +12.93% +42.72% 74.17% 0.00%

All 327 Banks Regional stocks →

Beacon Financial Corporation (BBT) Latest News

25 Oct

Impact 4 · · The Motley Fool

23 Oct

Impact 3 · · Simply Wall St.

22 Oct

Impact 4 · · Moby

21 Oct

Impact 3 · · Zacks
Impact 3 · · Zacks
Impact 3 · · Associated Press
Impact 3 · · GlobeNewswire

14 Oct

Impact 3 · · Zacks

22 Sep

Impact 4 · · bankingdive.com

21 Sep

Impact 3 ·

6 Aug

Impact 4 · transcript

30 Jul

Impact 3 · · Moby

29 Jul

Impact 3 ·

16 Jun

Impact 3 ·

1 May

Impact 3 · · GuruFocus.com

30 Apr

Impact 4 · · The Motley Fool transcript
Impact 3 · · Moby

29 Apr

Impact 4 · · Zacks
Impact 4 · · GlobeNewswire
Impact 3 · · Zacks

28 Apr

Impact 3 · · The Motley Fool

27 Apr

Impact 4 · · Simply Wall St.

22 Apr

Impact 3 · · Zacks

21 Apr

Impact 4 · · The Motley Fool transcript

23 Feb

Impact 4 · · PR Newswire

13 Feb

Impact 3 · · Simply Wall St.

3 Feb

Impact 4 · · Zacks

29 Jan

Impact 4 · · GuruFocus.com transcript
Impact 4 · · Moby
Impact 3 · · Simply Wall St.

BBT metrics, ten years each

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