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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. 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%
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% (at or above 15%: strong)
Next Y EPS Growth 9.22%
Next Y revenue growth 0.36%
Next 5Y EPS Growth 32.87% (at or above 15%: strong)

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.

Target Price Range

Analyst price targets

Recommendation Rating

2.1
1Buy 2 3Hold 4 5Sell

Ten years at a glance Fiscal years to December

Group Line 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 Trend 2026e 2027e 2028e
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

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
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.

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stockrow.com/BBT · Data as of Jun 30, 2026 · For information only; not investment advice. · © 2026 stockrow.com