Beacon Financial Corp Financials
This page shows Beacon Financial Corp (BBT) financial statements, including the income statement, balance sheet, cash flow statement, and key financial ratios. View 16 years of annual fundamentals and quarterly data, with year-over-year growth rates and compound annual growth rates (CAGR). All figures are derived from SEC filings (10-K and 10-Q reports).
Financial Health Signals
Based on FY2024 annual data. Scores normalized against common benchmarks. How we calculate these scores
Beacon Financial Corp's revenue declined 2.9% year-over-year, from $411.8M to $400.0M. This contraction results in a growth score of 20/100.
Beacon Financial Corp carries a low D/E ratio of 1.24, meaning only $1.24 of long-term debt for every $1 of shareholders' equity. This conservative leverage earns a score of 65/100, indicating a strong balance sheet with room for future borrowing.
Beacon Financial Corp converts 30.2% of revenue into free cash flow ($120.6M). This strong cash generation earns a score of 100/100.
Beacon Financial Corp generates a 5.0% ROE, indicating limited profit relative to shareholders' investment. This results in a returns score of 20/100. This is down from 5.8% the prior year.
Beacon Financial Corp passes 4 of 9 financial strength tests. 3 of 4 profitability signals pass, no leverage/liquidity signals pass (rising debt, declining liquidity, or share dilution), both operating efficiency signals pass.
For every $1 of reported earnings, Beacon Financial Corp generates $2.05 in operating cash flow ($125.2M OCF vs $61.0M net income). This indicates profits are well-supported by actual cash generation, not accounting adjustments.
Key Financial Metrics
Beacon Financial Corp generated $400.0M in revenue in fiscal year 2024. This represents a decrease of 2.9% from the prior year.
Beacon Financial Corp generated $120.6M in free cash flow in fiscal year 2024, representing cash available after capex. This represents a decrease of 22.3% from the prior year.
Beacon Financial Corp reported $61.0M in net income in fiscal year 2024. This represents a decrease of 12.3% from the prior year.
Beacon Financial Corp earned $1.43 per diluted share (EPS) in fiscal year 2024. This represents a decrease of 10.6% from the prior year.
Beacon Financial Corp held $543.7M in cash against $1.5B in long-term debt as of fiscal year 2024.
Beacon Financial Corp paid $0.72 per share in dividends in fiscal year 2024. This represents an increase of 0.0% from the prior year.
Beacon Financial Corp had 46M shares outstanding in fiscal year 2024. This represents an increase of 6.7% from the prior year.
Beacon Financial Corp's net profit margin was 15.3% in fiscal year 2024, showing the share of revenue converted to profit. This is down 1.7 percentage points from the prior year.
Beacon Financial Corp's ROE was 5.0% in fiscal year 2024, measuring profit generated per dollar of shareholder equity. This is down 0.8 percentage points from the prior year.
Beacon Financial Corp spent $17.5M on share buybacks in fiscal year 2024, returning capital to shareholders by reducing shares outstanding. This represents a decrease of 26.5% from the prior year.
Beacon Financial Corp invested $4.6M in capex in fiscal year 2024, funding long-term assets and infrastructure. This represents an increase of 151.0% from the prior year.
BBT Income Statement
| Metric | Q3'25 | Q2'25 | Q1'25 | Q4'24 | Q3'24 | Q2'24 | Q1'24 | Q4'23 |
|---|---|---|---|---|---|---|---|---|
| Revenue | $216.2M+90.2% | $113.7M+2.9% | $110.4M+0.2% | $110.2M-12.3% | $125.6M+15.6% | $108.7M+95.6% | $55.5M-30.6% | $80.0M |
| Cost of Revenue | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Gross Profit | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| R&D Expenses | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| SG&A Expenses | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Operating Income | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Interest Expense | $83.6M+40.3% | $59.5M+1.7% | $58.6M-8.1% | $63.7M-8.0% | $69.2M+5.5% | $65.6M+2.7% | $63.9M+2.8% | $62.1M |
| Income Tax | -$21.6M-293.8% | $11.2M+26.0% | $8.9M+27.5% | $6.9M+5.2% | $6.6M-8.4% | $7.2M+214.6% | -$6.3M-39.5% | -$4.5M |
| Net Income | -$50.2M-265.4% | $30.4M+18.1% | $25.7M+30.8% | $19.7M-2.4% | $20.1M-16.2% | $24.0M+219.0% | -$20.2M-1297.1% | -$1.4M |
| EPS (Diluted) | $-0.57-186.4% | $0.66+17.9% | $0.56+21.7% | $0.46+100.0% | $0.23-59.6% | $0.57+221.3% | $-0.47-1466.7% | $-0.03 |
BBT Balance Sheet
| Metric | Q3'25 | Q2'25 | Q1'25 | Q4'24 | Q3'24 | Q2'24 | Q1'24 | Q4'23 |
|---|---|---|---|---|---|---|---|---|
| Total Assets | $22.8B+89.6% | $12.0B+0.2% | $12.0B+0.9% | $11.9B+2.6% | $11.6B-5.0% | $12.2B+0.6% | $12.1B-2.3% | $12.4B |
| Current Assets | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Cash & Equivalents | $1.2B+52.1% | $802.7M-2.9% | $826.3M+52.0% | $543.7M+33.3% | $407.9M-62.9% | $1.1B-7.8% | $1.2B+797.3% | $133.0M |
| Inventory | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Accounts Receivable | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Goodwill | $353.5M | N/A | N/A | $241.2M | N/A | N/A | N/A | $241.2M |
| Total Liabilities | $20.4B+88.7% | $10.8B0.0% | $10.8B+1.2% | $10.7B+1.4% | $10.5B-6.0% | $11.2B+0.6% | $11.1B-2.5% | $11.4B |
| Current Liabilities | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Long-Term Debt | $1.1B+379.0% | $225.6M-20.7% | $284.6M-81.3% | $1.5B+329.8% | $353.6M+26.9% | $278.6M+12.1% | $248.6M+0.8% | $246.6M |
| Total Equity | $2.4B+92.6% | $1.3B+4.8% | $1.2B-2.1% | $1.2B-0.7% | $1.2B+2.7% | $1.2B+18.7% | $1.0B-15.7% | $1.2B |
| Retained Earnings | N/A | $36.3M+154.2% | $14.3M+563.5% | -$3.1M+79.4% | -$15.0M+66.6% | -$44.9M+26.6% | -$61.1M-84.5% | -$33.1M |
BBT Cash Flow Statement
| Metric | Q3'25 | Q2'25 | Q1'25 | Q4'24 | Q3'24 | Q2'24 | Q1'24 | Q4'23 |
|---|---|---|---|---|---|---|---|---|
| Operating Cash Flow | -$4.8M-112.4% | $38.5M+65.6% | $23.3M-63.5% | $63.7M+221.0% | $19.9M-42.9% | $34.8M+406.5% | $6.9M-86.9% | $52.5M |
| Capital Expenditures | -$1.1M-151.5% | $2.2M-34.7% | $3.4M+142.2% | $1.4M-46.8% | $2.6M+723.9% | $318K+35.3% | $235K-78.0% | $1.1M |
| Free Cash Flow | -$5.9M-116.3% | $36.3M+82.7% | $19.9M-68.1% | $62.3M+261.8% | $17.2M-50.0% | $34.4M+419.7% | $6.6M-87.1% | $51.4M |
| Investing Cash Flow | $2.0B+5001.3% | -$41.4M+12.2% | -$47.1M+82.3% | -$266.1M-63.6% | -$162.6M+9.8% | -$180.4M-161.8% | $291.9M+14.7% | $254.4M |
| Financing Cash Flow | -$1.0B-4830.8% | -$20.7M+92.6% | -$278.2M-88.9% | -$147.3M-128.3% | $520.6M+897.4% | $52.2M+116.9% | -$308.3M-232.4% | $232.9M |
| Dividends Paid | $19.4M+132.0% | $8.4M-0.1% | $8.4M+264.3% | -$5.1M-124.9% | $20.5M+31.3% | $15.6M | $0-100.0% | $7.8M |
| Share Buybacks | N/A | $0 | $0+100.0% | -$2K-100.0% | -$1K-100.0% | $13.5M+233.6% | $4.0M-39.6% | $6.7M |
BBT Financial Ratios
| Metric | Q3'25 | Q2'25 | Q1'25 | Q4'24 | Q3'24 | Q2'24 | Q1'24 | Q4'23 |
|---|---|---|---|---|---|---|---|---|
| Gross Margin | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Operating Margin | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Net Margin | -23.2%-50.0pp | 26.7%+3.4pp | 23.3%+5.4pp | 17.8%+1.8pp | 16.0%-6.1pp | 22.1%+58.5pp | -36.4%-34.5pp | -1.8% |
| Return on Equity | N/A | 2.4%+0.3pp | 2.1%+0.5pp | 1.6%-0.0pp | 1.6%-0.4pp | 2.0% | N/A | N/A |
| Return on Assets | -0.2%-0.5pp | 0.3%+0.0pp | 0.2%+0.0pp | 0.2%0.0pp | 0.2%-0.0pp | 0.2%+0.4pp | -0.2%-0.2pp | -0.0% |
| Current Ratio | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Debt-to-Equity | 0.45+0.3 | 0.18-0.1 | 0.24-1.0 | 1.24+1.0 | 0.29+0.1 | 0.23-0.0 | 0.25+0.0 | 0.21 |
| FCF Margin | -2.7%-34.7pp | 31.9%+14.0pp | 18.0%-38.6pp | 56.6%+42.9pp | 13.7%-18.0pp | 31.7%+19.8pp | 11.9%-52.3pp | 64.2% |
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Frequently Asked Questions
What is Beacon Financial Corp's annual revenue?
Beacon Financial Corp (BBT) reported $400.0M in total revenue for fiscal year 2024. This represents a -2.9% change compared to the previous fiscal year. Revenue measures the total income earned from the company's primary business operations before any expenses are deducted.
How fast is Beacon Financial Corp's revenue growing?
Beacon Financial Corp (BBT) revenue declined by 2.9% year-over-year, from $411.8M to $400.0M in fiscal year 2024.
Is Beacon Financial Corp profitable?
Yes, Beacon Financial Corp (BBT) reported a net income of $61.0M in fiscal year 2024, with a net profit margin of 15.3%.
What is Beacon Financial Corp's earnings per share (EPS)?
Beacon Financial Corp (BBT) reported diluted earnings per share of $1.43 for fiscal year 2024. This represents a -10.6% change compared to the previous fiscal year. EPS represents the portion of a company's net income allocated to each outstanding share of common stock and is widely used to evaluate profitability on a per-share basis.
How much debt does Beacon Financial Corp have?
As of fiscal year 2024, Beacon Financial Corp (BBT) had $543.7M in cash and equivalents against $1.5B in long-term debt.
What is Beacon Financial Corp's net profit margin?
Beacon Financial Corp (BBT) had a net profit margin of 15.3% in fiscal year 2024, representing the share of revenue converted into profit after all expenses.
Does Beacon Financial Corp pay dividends?
Yes, Beacon Financial Corp (BBT) paid $0.72 per share in dividends during fiscal year 2024.
What is Beacon Financial Corp's return on equity (ROE)?
Beacon Financial Corp (BBT) has a return on equity of 5.0% for fiscal year 2024, measuring how efficiently the company generates profit from shareholder equity.
What is Beacon Financial Corp's free cash flow?
Beacon Financial Corp (BBT) generated $120.6M in free cash flow during fiscal year 2024. This represents a -22.3% change compared to the previous fiscal year. Free cash flow represents the cash a company generates after accounting for capital expenditures, and is widely used to assess financial flexibility and shareholder value.
What is Beacon Financial Corp's operating cash flow?
Beacon Financial Corp (BBT) generated $125.2M in operating cash flow during fiscal year 2024, representing cash generated from core business activities.
What are Beacon Financial Corp's total assets?
Beacon Financial Corp (BBT) had $11.9B in total assets as of fiscal year 2024, including both current and long-term assets.
What are Beacon Financial Corp's capital expenditures?
Beacon Financial Corp (BBT) invested $4.6M in capital expenditures during fiscal year 2024, funding long-term assets and infrastructure.
Does Beacon Financial Corp buy back shares?
Yes, Beacon Financial Corp (BBT) spent $17.5M on share buybacks during fiscal year 2024, returning capital to shareholders by reducing shares outstanding.
How many shares does Beacon Financial Corp have outstanding?
Beacon Financial Corp (BBT) had 46M shares outstanding as of fiscal year 2024.
What is Beacon Financial Corp's debt-to-equity ratio?
Beacon Financial Corp (BBT) had a debt-to-equity ratio of 1.24 as of fiscal year 2024, measuring the company's financial leverage by comparing total debt to shareholder equity.
What is Beacon Financial Corp's return on assets (ROA)?
Beacon Financial Corp (BBT) had a return on assets of 0.5% for fiscal year 2024, measuring how efficiently the company uses its assets to generate profit.
What is Beacon Financial Corp's Piotroski F-Score?
Beacon Financial Corp (BBT) has a Piotroski F-Score of 4 out of 9, indicating neutral financial health. The F-Score evaluates nine binary signals across profitability (positive ROA, positive cash flow, improving ROA, earnings quality), leverage (decreasing debt, improving liquidity, no share dilution), and operating efficiency (improving gross margin, improving asset turnover). Scores of 7–9 indicate strong and improving fundamentals. Learn more in our complete guide to financial health indicators.
Are Beacon Financial Corp's earnings high quality?
Beacon Financial Corp (BBT) has an earnings quality ratio of 2.05x, considered cash-backed (high quality). This ratio compares operating cash flow to net income. A ratio above 1.0x means the company generates more cash than its reported earnings, indicating sustainable, cash-backed profits. Ratios below 1.0x suggest earnings rely on accounting accruals rather than actual cash generation. Learn more in our complete guide to financial health indicators.
How financially healthy is Beacon Financial Corp?
Beacon Financial Corp (BBT) scores 51 out of 100 on our Financial Profile, indicating moderate overall financial health. This composite score evaluates six dimensions: profitability (operating margin), revenue growth, leverage (debt-to-equity), liquidity (current ratio), cash flow quality (free cash flow margin), and shareholder returns (return on equity). Each dimension is normalized against standard financial benchmarks. Learn more in our complete guide to financial health indicators.