What is Beacon Financial Corp's earnings per share (EPS)?

Beacon Financial Corp (BBT) reported diluted earnings per share of $1.03 for fiscal year 2025. This represents a 33.8% 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.

Beacon Financial Corp Financials

BBT

Source SEC Filings (10-K/10-Q) Data as of Mar 31, 2026 Currency USD FYE December

This page shows Beacon Financial Corp (BBT) financial statements, including the income statement, balance sheet, cash flow statement, and key financial ratios. View 17 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).

Rhea AI BBT FY2025 2026-05-11

FY2025 shows a balance-sheet business where liquidity was rebuilt faster than earnings, leaving returns diluted by scale.

From FY2024 to FY2025, assets nearly doubled to $23.2B while net income rose to $90.3M. Because the balance sheet expanded faster than earnings, ROA fell to 0.4% and ROE to 3.6%, showing scale without matching yield.

The jump in cash to $2.0B did not come mainly from operations, which produced $224.4M; the much larger investing inflow points to asset sales or runoff as the main source of liquidity. That matters because cash improved even as financing cash flow was negative, so liquidity was rebuilt while external funding was reduced.

The stated debt-to-equity ratio of 0.3x looks modest next to long-term debt of $788.4M, but total liabilities were $20.7B. That gap means non-debt liabilities, not just borrowings, do most of the financing work, so a lower debt figure does not equal a lightly funded balance sheet.

Financial Health Signals

Financial Health Score 46/100

Scored as: Banks peer group

Scored against banks for FY2025. Each of the six dimensions is a percentile rank within that peer group; the overall is their average, with missing dimensions counted as zero out of six. A high score means strong standing among peers, not absolute cross-industry strength. How this score is calculated →

Health score ≠ stock price. This rates the quality of Beacon Financial Corp's business: profitability, growth, balance sheet strength. It doesn't tell you whether the stock is a good buy at today's price. Not financial advice. Use it alongside valuation analysis and your own research.

Earnings

Growth

Capital

Efficiency

Credit Quality

Stability

Piotroski F-Score Partial

4/6

Beacon Financial Corp passes 4 of 6 computable financial strength tests (3 of the nine could not be computed from available data). 3 of 4 profitability signals pass, all 1 leverage/liquidity signals pass, neither operating efficiency signal passes.

Earnings Quality Cash-Backed

2.49x

For every $1 of reported earnings, Beacon Financial Corp generates $2.49 in operating cash flow ($224.4M OCF vs $90.3M net income). This indicates profits are well-supported by actual cash generation, not accounting adjustments.

Key Financial Metrics

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Earnings & Revenue

Revenue

$29.9M

YoY-92.5%

5Y CAGR-39.9%

10Y CAGR-19.7%

Beacon Financial Corp generated $29.9M in revenue in fiscal year 2025. This represents a decrease of 92.5% from the prior year.

EBITDA

N/A

Net Income

$90.3M

YoY+31.4%

10Y CAGR+6.2%

Beacon Financial Corp reported $90.3M in net income in fiscal year 2025. This represents an increase of 31.4% from the prior year.

EPS (Diluted)

$1.03

YoY+33.8%

10Y CAGR-5.1%

Beacon Financial Corp earned $1.03 per diluted share (EPS) in fiscal year 2025. This represents an increase of 33.8% from the prior year.

Cash & Balance Sheet

Free Cash Flow

$212.2M

YoY+112.2%

5Y CAGR-0.8%

10Y CAGR+10.4%

Beacon Financial Corp generated $212.2M in free cash flow in fiscal year 2025, representing cash available after capex. This represents an increase of 112.2% from the prior year.

Cash & Debt

$2.0B

YoY+275.5%

5Y CAGR+5.6%

10Y CAGR+34.7%

Beacon Financial Corp held $2.0B in cash against $788.4M in long-term debt as of fiscal year 2025.

Dividends Per Share

$0.73

YoY+34.8%

5Y CAGR+0.2%

10Y CAGR-0.4%

Beacon Financial Corp paid $0.73 per share in dividends in fiscal year 2025. This represents an increase of 34.8% from the prior year.

Shares Outstanding

N/A

Margins & Returns

Gross Margin

N/A

Operating Margin

N/A

Net Margin

301.4%

YoY+284.3pp

5Y CAGR+440.6pp

10Y CAGR+283.0pp

Beacon Financial Corp's net profit margin was 301.4% in fiscal year 2025, showing the share of revenue converted to profit. This is up 284.3 percentage points from the prior year.

Return on Equity

3.6%

YoY-2.0pp

5Y CAGR+48.5pp

10Y CAGR-2.0pp

Beacon Financial Corp's ROE was 3.6% in fiscal year 2025, measuring profit generated per dollar of shareholder equity. This is down 2.0 percentage points from the prior year.

Capital Allocation

R&D Spending

N/A

Share Buybacks

N/A

Capital Expenditures

$12.3M

YoY+146.5%

5Y CAGR+11.3%

10Y CAGR+5.3%

Beacon Financial Corp invested $12.3M in capex in fiscal year 2025, funding long-term assets and infrastructure. This represents an increase of 146.5% from the prior year.

BBT Income Statement

Metric	FY25	FY24	FY23	FY22	FY21	FY20
Revenue	$29.9M-92.5%	$400.0M-2.9%	$411.8M-0.4%	$413.5M-4.8%	$434.4M+13.4%	$383.1M
Cost of Revenue	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
R&D Expenses	N/A	N/A	N/A	N/A	N/A	N/A
SG&A Expenses	$191.2M+33.0%	$143.7M+3.5%	$138.9M-9.1%	$152.7M+1.4%	$150.6M+1.9%	$147.8M
Operating Income	N/A	N/A	N/A	N/A	N/A	N/A
Interest Expense	$329.7M+10.3%	$298.9M+44.2%	$207.3M+385.8%	$42.7M+12.6%	$37.9M-59.2%	$93.0M
Income Tax	$31.6M+37.5%	$23.0M+21.5%	$18.9M-11.1%	$21.3M-29.9%	$30.4M+252.9%	-$19.9M
Net Income	$90.3M+31.4%	$68.7M-8.4%	$75.0M-18.9%	$92.5M-22.0%	$118.7M+122.3%	-$533.0M
EPS (Diluted)	$1.03+33.8%	$0.77-9.4%	$0.85-57.9%	$2.02-15.5%	$2.39+122.5%	$-10.60

Metric	Q1'26	Q4'25	Q3'25	Q2'25	Q1'25	Q4'24	Q3'24	Q2'24
Revenue	$292.4M-6.5%	$312.6M+47.2%	$212.4M+86.9%	$113.7M+2.9%	$110.4M+0.2%	$110.2M-12.3%	$125.6M+15.6%	$108.7M
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	$69.7M	N/A	$50.0M+27.2%	$39.3M+9.6%	$35.9M-53.8%	$77.6M+120.8%	$35.1M-12.5%	$40.1M
Operating Income	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Interest Expense	$101.6M-10.0%	$112.8M+35.1%	$83.6M+27.8%	$65.4M-3.7%	$67.9M-7.2%	$73.2M-4.4%	$76.6M+1.6%	$75.4M
Income Tax	$19.7M-9.6%	$21.8M+622.0%	-$4.2M-155.2%	$7.6M+18.6%	$6.4M+1.6%	$6.3M-4.9%	$6.6M+25.3%	$5.3M
Net Income	$46.2M-13.4%	$53.4M+1364.3%	-$4.2M-119.2%	$22.0M+15.3%	$19.1M+8.9%	$17.5M-12.9%	$20.1M+23.0%	$16.4M
EPS (Diluted)	$0.55-14.1%	$0.64+1380.0%	$-0.05-120.0%	$0.25+19.0%	$0.21+5.0%	$0.20-13.0%	$0.23+27.8%	$0.18

BBT Balance Sheet

Metric	FY25	FY24	FY23	FY22	FY21	FY20
Total Assets	$23.2B+95.0%	$11.9B-4.2%	$12.4B+6.6%	$11.7B+0.9%	$11.6B-10.0%	$12.8B
Current Assets	N/A	N/A	N/A	N/A	N/A	N/A
Cash & Equivalents	$2.0B+275.5%	$543.7M+308.7%	$133.0M-65.3%	$383.0M-76.5%	$1.6B+4.5%	$1.6B
Inventory	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
Goodwill	$351.6M+45.8%	$241.2M0.0%	$241.2M	N/A	$0	$0
Total Liabilities	$20.7B+94.0%	$10.7B-6.4%	$11.4B+6.6%	$10.7B+3.2%	$10.4B-11.0%	$11.7B
Current Liabilities	N/A	N/A	N/A	N/A	N/A	N/A
Long-Term Debt	$788.4M-48.1%	$1.5B+516.4%	$246.6M+96.5%	$125.5M+13.2%	$110.8M-79.2%	$531.6M
Total Equity	$2.5B+104.3%	$1.2B+1.9%	$1.2B+20.8%	$992.1M-16.1%	$1.2B-0.4%	$1.2B
Retained Earnings	$485.9M+5.9%	$458.9M+1485.0%	-$33.1M+53.6%	-$71.4M+48.8%	-$139.4M+40.3%	-$233.3M

Metric	Q1'26	Q4'25	Q3'25	Q2'25	Q1'25	Q4'24	Q3'24	Q2'24
Total Assets	$22.2B-4.3%	$23.2B+1.7%	$22.8B+89.6%	$12.0B+0.2%	$12.0B+0.9%	$11.9B+2.6%	$11.6B-5.0%	$12.2B
Current Assets	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Cash & Equivalents	$1.1B-45.5%	$2.0B+67.3%	$1.2B+52.1%	$802.7M+124.5%	$357.5M-34.2%	$543.7M+33.3%	$407.9M-62.9%	$1.1B
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	$355.3M+1.0%	$351.6M-0.5%	$353.5M	N/A	N/A	$241.2M	N/A	N/A
Total Liabilities	$19.7B-4.8%	$20.7B+1.6%	$20.4B+88.7%	$10.8B0.0%	$10.8B+1.2%	$10.7B+1.4%	$10.5B-6.0%	$11.2B
Current Liabilities	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Long-Term Debt	$1.1B+36.0%	$788.4M-27.0%	$1.1B+379.0%	$225.6M-20.7%	$284.6M-81.3%	$1.5B+329.8%	$353.6M+26.9%	$278.6M
Total Equity	$2.5B+0.3%	$2.5B+3.4%	$2.4B+92.6%	$1.3B+1.1%	$1.2B+1.5%	$1.2B-0.7%	$1.2B+2.7%	$1.2B
Retained Earnings	$505.0M+3.9%	$485.9M	N/A	$36.3M+154.2%	$14.3M-96.9%	$458.9M+3164.5%	-$15.0M+66.6%	-$44.9M

BBT Cash Flow Statement

Metric	FY25	FY24	FY23	FY22	FY21	FY20
Operating Cash Flow	$224.4M+113.8%	$105.0M-10.0%	$116.6M+5.3%	$110.7M+30.6%	$84.8M-62.8%	$227.6M
Capital Expenditures	$12.3M+146.5%	$5.0M-59.7%	$12.4M+726.6%	$1.5M-6.9%	$1.6M-77.7%	$7.2M
Free Cash Flow	$212.2M+112.2%	$100.0M-4.1%	$104.2M-4.6%	$109.2M+31.3%	$83.2M-62.3%	$220.4M
Investing Cash Flow	$2.3B+1747.8%	-$139.6M+79.0%	-$665.3M+47.2%	-$1.3B-303.0%	$621.2M-3.1%	$641.1M
Financing Cash Flow	-$1.0B-330.6%	$445.3M+49.1%	$298.7M+43.8%	$207.7M+132.7%	-$636.1M-682.0%	$109.3M
Dividends Paid	$63.1M+31.3%	$48.1M+0.3%	$47.9M+95.4%	$24.5M-0.1%	$24.6M-32.8%	$36.6M
Share Buybacks	N/A	$17.5M-26.5%	$23.8M-80.9%	$124.5M+81.2%	$68.7M+14426.8%	$473K

Metric	Q1'26	Q4'25	Q3'25	Q2'25	Q1'25	Q4'24	Q3'24	Q2'24
Operating Cash Flow	-$13.8M-108.3%	$167.4M+3608.0%	-$4.8M-108.9%	$53.8M+570.9%	$8.0M-81.6%	$43.5M+119.0%	$19.9M-42.9%	$34.8M
Capital Expenditures	N/A	$7.8M+789.4%	-$1.1M-151.5%	$2.2M-34.7%	$3.4M+86.5%	$1.8M-30.8%	$2.6M+723.9%	$318K
Free Cash Flow	N/A	$159.6M+2800.5%	-$5.9M-111.5%	$51.6M+1012.4%	$4.6M-88.9%	$41.7M+141.8%	$17.2M-50.0%	$34.4M
Investing Cash Flow	$51.7M-85.6%	$359.6M-82.3%	$2.0B+876.3%	-$261.4M-251.2%	$172.9M+295.3%	-$88.5M+45.6%	-$162.6M+9.8%	-$180.4M
Financing Cash Flow	-$966.7M-428.7%	$294.0M+128.8%	-$1.0B-1601.0%	$68.1M+118.6%	-$367.0M-303.0%	$180.8M-65.3%	$520.6M+897.4%	$52.2M
Dividends Paid	$27.0M0.0%	$27.0M+39.5%	$19.4M+313.5%	$4.7M-61.1%	$12.0M0.0%	$12.0M-41.2%	$20.5M+31.3%	$15.6M
Share Buybacks	N/A	N/A	N/A	$0	$0+100.0%	-$2K-100.0%	-$1K-100.0%	$13.5M

BBT Financial Ratios

Metric	FY25	FY24	FY23	FY22	FY21	FY20
Gross Margin	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
Net Margin	301.4%+284.3pp	17.2%-1.0pp	18.2%-4.2pp	22.4%-4.9pp	27.3%+166.5pp	-139.1%
Return on Equity	3.6%-2.0pp	5.6%-0.6pp	6.3%-3.1pp	9.3%-0.7pp	10.0%+54.9pp	-44.9%
Return on Assets	0.4%-0.2pp	0.6%-0.0pp	0.6%-0.2pp	0.8%-0.2pp	1.0%+5.2pp	-4.2%
Current Ratio	N/A	N/A	N/A	N/A	N/A	N/A
Debt-to-Equity	0.32-0.9	1.24+1.0	0.21+0.1	0.13+0.0	0.09-0.4	0.45
FCF Margin	708.4%+683.4pp	25.0%-0.3pp	25.3%-1.1pp	26.4%+7.3pp	19.1%-38.4pp	57.5%

Metric	Q1'26	Q4'25	Q3'25	Q2'25	Q1'25	Q4'24	Q3'24	Q2'24
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	15.8%-1.3pp	17.1%+19.1pp	-2.0%-21.4pp	19.4%+2.1pp	17.3%+1.4pp	15.9%-0.1pp	16.0%+1.0pp	15.1%
Return on Equity	1.8%-0.3pp	2.1%+2.3pp	-0.2%-1.9pp	1.8%+0.2pp	1.5%+0.1pp	1.4%-0.2pp	1.6%+0.3pp	1.4%
Return on Assets	0.2%-0.0pp	0.2%+0.3pp	-0.0%-0.2pp	0.2%+0.0pp	0.2%+0.0pp	0.1%-0.0pp	0.2%+0.0pp	0.1%
Current Ratio	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Debt-to-Equity	0.43+0.1	0.32-0.1	0.45+0.3	0.18-0.0	0.23-1.0	1.24+1.0	0.29+0.1	0.23
FCF Margin	N/A	51.1%+53.8pp	-2.8%-48.1pp	45.4%+41.2pp	4.2%-33.6pp	37.8%+24.1pp	13.7%-18.0pp	31.7%

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Frequently Asked Questions

What is Beacon Financial Corp's annual revenue?

Beacon Financial Corp (BBT) reported $29.9M in total revenue for fiscal year 2025. This represents a -92.5% 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 92.5% year-over-year, from $400.0M to $29.9M in fiscal year 2025.

Is Beacon Financial Corp profitable?

Yes, Beacon Financial Corp (BBT) reported a net income of $90.3M in fiscal year 2025, with a net profit margin of 301.4%.

How much debt does Beacon Financial Corp have?

As of fiscal year 2025, Beacon Financial Corp (BBT) had $2.0B in cash and equivalents against $788.4M in long-term debt.

What is Beacon Financial Corp's net profit margin?

Beacon Financial Corp (BBT) had a net profit margin of 301.4% in fiscal year 2025, representing the share of revenue converted into profit after all expenses.

Does Beacon Financial Corp pay dividends?

Yes, Beacon Financial Corp (BBT) paid $0.73 per share in dividends during fiscal year 2025.

What is Beacon Financial Corp's return on equity (ROE)?

Beacon Financial Corp (BBT) has a return on equity of 3.6% for fiscal year 2025, measuring how efficiently the company generates profit from shareholder equity.

What is Beacon Financial Corp's free cash flow?

Beacon Financial Corp (BBT) generated $212.2M in free cash flow during fiscal year 2025. This represents a 112.2% 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 $224.4M in operating cash flow during fiscal year 2025, representing cash generated from core business activities.

What are Beacon Financial Corp's total assets?

Beacon Financial Corp (BBT) had $23.2B in total assets as of fiscal year 2025, including both current and long-term assets.

What are Beacon Financial Corp's capital expenditures?

Beacon Financial Corp (BBT) invested $12.3M in capital expenditures during fiscal year 2025, funding long-term assets and infrastructure.

What is Beacon Financial Corp's debt-to-equity ratio?

Beacon Financial Corp (BBT) had a debt-to-equity ratio of 0.32 as of fiscal year 2025, 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 0.4% for fiscal year 2025, 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 6 computable signals; 3 of the nine could not be computed from available data, so the full-scale strength rating is not shown. 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 to 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 2.49x, 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 46 out of 100 on our Financial Health Score, indicating moderate standing within its banks peer group. The score is a 0-100 composite of six dimensions (Earnings, Growth, Capital, Efficiency, Credit Quality, Stability), each ranked as a percentile relative to companies in the same scoring family (banks against banks, REITs against REITs, and so on) rather than across all industries. It rates the quality of the business, not whether the stock is fairly priced, and is not financial advice. Learn more in our complete guide to financial health indicators.