Saturday 17 October 2026 Export BBT’s income statement to Excel — free account

Beacon Financial Corporation

Beacon Financial Corporation’s revenue for fiscal 2025 (year ended December 2025) was $882.7 million, up 34.9% from fiscal 2024. In the quarter to June 2026, revenue grew 99.7%, EPS grew 211.5%, free cash flow grew 88.1% and total debt rose 293.9%, each against the same quarter a year earlier. Dividend growth for five consecutive years, revenue growth for three; insiders bought in the last twelve months.

27.52 0.03 +0.11%

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Market cap: $2.3B
P/E: 15.1×
Fwd P/E: 9.7×
Dividend yield: 0.00%
F-score: 6/9
Altman Z: n/a
Beneish M: n/a
Dividend safety: n/a

Overview Financial Analysis Income Statement Balance Sheet Cash Flow Metrics & Ratios 10-Q 10-K

Insider Decisions trades per month

Total buys 0.27

Total sells 0.54

Totals in millions of $.

	Dec 25			Mar 26			Jun 26			Sep 26
Buy	4	—	—	—	—	—	—	—	—	—	—	—
Sell	—	—	—	1	—	—	—	—	—	—	—	—

Insider Ownership 1.51%

Capital & Financial Ratios $m

Market Cap 2,300.00

Revenue 1,199.20

Net Income 159.79

Free Cash Flow 215.86

Net Debt (327.51)

Current Ratio 1.00

Debt/Equity 0.35

P/E ratio 15.07

Fwd P/E 9.74

P/S ratio 1.92

P/B ratio 0.91

Past 5Y EPS Growth —

This Y EPS Growth 87.77%

Next Y EPS Growth 9.22%

Next Y revenue growth 0.36%

Next 5Y EPS Growth 32.87%

Green and red mark values outside typical ranges. How we judge →

Valuation vs history

P/E against its own 10 years 40.11%

10-year low 10-year high

P/S against its own 10 years 18.28%

10-year low 10-year high

P/B against its own 10 years 25.32%

10-year low 10-year high

Dividends

Payout Ratio 0.00

Annual Dividend Rate 0.00

Annual Dividend Yield 0.00%

	total	individual payouts
2027	Powerpack
2026	Powerpack
2025	0.89	0.18 0.18 0.18
2024	0.72	0.18 0.18 0.18 0.18
2023	0.72	0.18 0.18 0.18 0.18
2022	0.54	0.12 0.12 0.12 0.18
2021	0.48	0.12 0.12 0.12 0.12
2020	0.72	0.24 0.24 0.12 0.12
2019	2.63	0.41 0.23 0.23 0.41 0.23 0.45 0.45 0.23
2018	2.40	0.33 0.22 0.05 0.22 0.38 0.22 0.41 0.22 0.41
2017	2.10	0.30 0.21 0.21 0.30 0.21 0.33 0.21 0.33
2016	1.75	0.20 0.27 0.20 0.28 0.20 0.30 0.30

predictions special payouts not included in total or ratios

Assets vs Liabilities $m

	2023	2024	2025	Q'26
Cash	1,222	544	2,042	1,216
Receivables	—	—	—	—
Inventory	—	—	—	—
Other	—	—	—	—
	10,159	10,198	19,818	18,800

	2023	2024	2025	Q'26
Payables	10,633	8,902	19,515	18,486
ST’ Debt	—	—	—	—
Other	—	—	—	—
	10,893	9,103	19,830	18,732

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%

Revenue $m

	Mar	Jun	Sep	Dec	Year
’26	316	320	—	—	—
’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.

EPS $

	Mar	Jun	Sep	Dec	Year
’26	0.55	0.77	—	—	—
’25	0.21	0.25	(0.64)	1.14	1.03
’24	(0.47)	0.57	0.23	0.46	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.

Group	Line	2016	2017	2018	2019	2020	2021	2022	2023	2024	2025	2026e
Price, $
Price, $	Low	24.71	32.85	25.77	26.02	8.55	16.35	23.62	18.07	20.50	22.27	Analyst estimates 2026–2028 Powerpack
	High	37.35	40.00	44.25	33.72	33.04	29.16	31.78	31.52	32.36	30.50
People
People	Employees	1,731	1,992	1,917	1,917	1,505	1,319	1,310	1,340	1,238	2,050
	Revenue/emp, $m	0.20	0.22	0.28	0.31	0.32	0.36	0.35	0.45	0.53	0.43
Income, $m
Income, $m	Revenue	346	429	540	594	476	472	456	609	654	883
	Gross margin, %	86.09	85.07	79.69	75.69	80.47	91.98	90.65	61.00	54.30	62.65
	EBT	77	91	138	124	(533)	149	114	94	92	122
	EBT margin, %	22.37	21.24	25.58	20.89	(111.96)	31.55	24.95	15.42	14.02	13.81
	Net income	59	49	106	97	(533)	119	93	75	69	90
	Depreciation	15	5	(1)	11	568	15	19	1	4	(8)
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
	Earnings	1.89	1.41	2.30	1.98	(10.60)	2.41	2.03	0.85	0.77	1.03
	Cash flow	3.17	1.98	4.83	2.26	4.53	1.72	2.43	1.32	1.18	2.57
	Capex	(0.29)	(0.29)	(0.20)	(0.21)	(0.14)	(7.20)	(0.03)	(0.14)	(0.06)	(0.14)
	Free cash flow	2.88	1.69	4.63	2.05	4.39	(5.48)	2.40	1.18	1.12	2.43
	Book value	35.28	37.92	33.74	35.70	23.63	24.01	20.94	11.47	13.73	28.57
	Shares, m	31	39	46	49	50	49	46	88	89	87
Valuation, ×
Valuation, ×	P/E	19.39	24.86	11.73	16.61	0.00	11.70	14.67	15.51	36.16	27.26
	P/S	3.28	3.38	2.30	2.73	1.81	2.96	2.97	3.59	3.87	2.61
	P/B	1.04	1.00	0.82	0.94	0.72	1.18	1.42	2.16	2.07	0.92
	EV/Sales	3.58	3.76	2.57	2.85	(0.41)	(0.30)	1.70	1.99	5.36	1.19
	EV/FCF	13.91	24.17	6.53	16.74	(0.88)	0.52	7.11	11.65	35.07	4.95
Cash, $m
Cash, $m	Operating cash flow	98	78	222	112	228	85	111	117	105	224
	Capex	(9)	(11)	(9)	(11)	(7)	(354)	(1)	(12)	(5)	(12)
	Free cash flow	89	67	213	101	220	(270)	109	104	100	212
Balance, $m
Balance, $m	Working capital	(951)	(709)	(866)	(353)	(698)	(1,691)	(1,379)	(734)	1,095	(11)
	Total debt	232	470	399	703	532	111	126	247	1,520	788
	Net debt	106	164	148	70	(1,054)	(1,541)	(579)	(976)	976	(1,253)
	Shareholders’ equity	1,093	1,496	1,553	1,759	1,188	1,182	954	1,012	1,222	2,496
Returns, %
Returns, %	ROA	0.69	0.53	0.88	0.76	(4.09)	0.97	0.80	0.62	0.56	0.51
	ROIC	4.84	4.62	5.89	5.20	(247.16)	0.00	20.47	174.02	2.73	9.23
	ROE	5.92	4.32	7.07	5.97	(36.71)	10.01	8.66	7.63	6.15	4.86

Negative figures in brackets.

All 10 years →

Fiscal years to Dec 2025 · latest quarter Jun 2026

Charts ten years each

Company	Market cap	P/E	Fwd P/E	Revenue growth (Q)	EPS growth (Q)	FCF growth (Q)	Gross margin (Q)	EBIT margin (Q)	Compare
BANR Banner Corporation	$2.5B	11.1×	11.1×	+1.33% (above 0%: growing)	+9.92% (above 0%: growing)	−29.43% (below 0%: shrinking)	77.84%	0.00%	Compare
BUSE First Busey Corporation	$2.4B	12.2×	11.2×	−8.06% (below 0%: shrinking)	+30.19% (above 0%: growing)	−15.02% (below 0%: shrinking)	73.20%	0.00%	Compare
SYBT Stock Yards Bancorp, Inc.	$2.4B	15.2×	14.5×	+11.27% (above 0%: growing)	+13.79% (above 0%: growing)	+1.75% (above 0%: growing)	73.89%	0.00%	Compare
BBT Beacon Financial Corporation	$2.3B	15.1×	9.7×	+99.71% (above 0%: growing)	+211.49% (above 0%: growing)	+88.09% (above 0%: growing)	68.58%	0.00%
MBIN Merchants Bancorp	$2.3B	9.8×	9.1×	−4.26% (below 0%: shrinking)	+146.67% (above 0%: growing)	+267.73% (above 0%: growing)	53.63%	0.00%	Compare
OFG OFG Bancorp	$2.2B	10.3×	9.8×	+2.40% (above 0%: growing)	+20.87% (above 0%: growing)	+41.84% (above 0%: growing)	82.69%	0.00%	Compare
NWBI Northwest Bancshares, Inc.	$2.2B	14.2×	10.3×	+18.20% (above 0%: growing)	+42.31% (above 0%: growing)	+538.73% (above 0%: growing)	75.69%	0.00%	Compare
WAFD WaFd, Inc.	$2.2B	9.1×	10.9×	+1.80% (above 0%: growing)	+16.44% (above 0%: growing)	+33.88% (above 0%: growing)	57.68%	0.00%	Compare
EFSC Enterprise Financial Services Corporation	$2.2B	11.8×	11.1×	+1.34% (above 0%: growing)	−19.12% (below 0%: shrinking)	+15.23% (above 0%: growing)	75.04%	0.00%	Compare
Median of peers	$2.2B	11.4×	11.0×	+1.57%	+18.66%	+24.56%	74.47%	0.00%

All 323 Banks Regional stocks →

Beacon Financial Corporation (BBT) key facts

Strength: Beacon Financial Corporation’s revenue for fiscal 2025 (year ended December 2025) was $882.7 million, up 34.9% from fiscal 2024.
Beacon Financial Corporation (BBT) is a Banks Regional company in the Financial sector, listed on the New York Stock Exchange.
As of October 16, 2026, BBT traded at $27.52, a market capitalization of $2.3 billion.
Return on equity was 4.86% and debt-to-equity 0.35.
Its Piotroski F-score is 6 out of 9 for fiscal 2025.

Source: company filings (standardised) and stockrow calculations.