Beacon Financial Corp (BBT) Financials
A multiple compares the market's price with a filed figure; it says what the market pays, not how the business is doing. The market capitalization is the vendor's as of Sep 3, 2026; every other figure is from the SEC filings on this page. Not financial advice.
Newest figures come from the 10-Q for Q2 FY2026, filed Aug 7, 2026. Each column of the statement tables below links to the filing it was taken from, and every filing is listed on the BBT SEC filings page.
Beacon Financial Corp (BBT) reported $553.0M in revenue for fiscal year 2025, up 38.2% from the prior fiscal year. This page shows its income statement, balance sheet, cash flow statement, and key financial ratios. View 15 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).
Cash conversion is the dominant mechanic: reported earnings become cash, while balance-sheet scale and financing costs shape realized returns.
From FY2023 through FY2025, operating cash flow stayed above net income; in FY2025, operating cash flow of$224M versus net income of$90M suggests reported profit understates cash produced in that period. Free cash flow of$212M remained close to operating cash flow, indicating that capital spending consumed relatively little of the cash generated.
Total assets nearly doubled from
Interest expense reached
Financial Health Signals
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.
Beacon Financial Corp earned a return on assets of 0.4% in fiscal year 2025, which is the profit it made on every dollar of assets on its books. This is down from 0.6% the prior year. Earnings ranks banks on that return over three years, and Beacon Financial Corp scores 26/100 among other banks.
Beacon Financial Corp reported revenue of $553.0M in fiscal year 2025, against $400.0M in fiscal year 2024. Growth ranks banks on the three-year path of their net revenue, which is interest income and fee income less the interest they pay out, and Beacon Financial Corp scores 72/100 among other banks.
Beacon Financial Corp funded 10.7% of its assets with shareholders' equity at the end of fiscal year 2025, holding $2.5B of equity against $23.2B of assets. Capital ranks banks on that cushion, and Beacon Financial Corp scores 39/100 among other banks.
Efficiency measures what a bank spends running itself against the revenue that spending brings in, so a lower ratio is the better one. Beacon Financial Corp scores 25/100 on it among other banks.
Credit Quality measures the money a bank set aside for loans it expects to go bad, against the size of the loan book it set that money aside for. Beacon Financial Corp scores 45/100 on it among other banks.
Beacon Financial Corp reported net income of $90.3M in fiscal year 2025, against $68.7M in fiscal year 2024. Stability ranks banks on how steady net income has been across five years, and Beacon Financial Corp scores 60/100 among other banks.
Beacon Financial Corp passes 4 of 7 computable financial strength tests (2 of the nine could not be computed from available data). 3 of 4 profitability signals pass, 1 of 2 leverage/liquidity signals pass, neither operating efficiency signal passes.
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
Earnings & Revenue
Beacon Financial Corp generated $219.2M in revenue in Q2 2026. This represents an increase of 92.8% from the same quarter a year earlier. Against the prior quarter it is up 2.1%.
Beacon Financial Corp reported $64.4M in net income in Q2 2026. This represents an increase of 192.5% from the same quarter a year earlier. Against the prior quarter it is up 39.4%.
Beacon Financial Corp earned $0.77 per diluted share (EPS) in Q2 2026. Against the prior quarter it is up 40.0%.
Not reported for Q2 2026.
Cash & Balance Sheet
Beacon Financial Corp held $1.2B in cash against $888.6M in long-term debt as of Q2 2026.
Beacon Financial Corp paid $0.32 per share in dividends in Q2 2026. It is unchanged from the prior quarter.
Not reported for Q2 2026.
Margins & Returns
Beacon Financial Corp's net profit margin was 29.4% in Q2 2026, showing the share of revenue converted to profit. This is up 10.0 percentage points from the same quarter a year earlier. Against the prior quarter it is up 7.9 percentage points.
Beacon Financial Corp's ROE was 2.5% in Q2 2026, measuring profit generated per dollar of shareholder equity. This is up 0.8 percentage points from the same quarter a year earlier. Against the prior quarter it is up 0.7 percentage points.
Not reported for Q2 2026.
Not reported for Q2 2026.
Capital Allocation
None of these metrics is reported for Q2 2026.
BBT Income Statement
Figures in USD, abbreviated K (thousand), M (million), B (billion), T (trillion). Negative values carry a minus sign and red type. Each change compares the year with the year before it, and each quarter with the same quarter a year earlier.
| Metric | Q2'2610-Q | Q1'2610-Q | Q4'2510-K | Q3'2510-K | Q2'2510-Q | Q1'2510-Q | Q4'2410-K | Q3'2410-K |
|---|---|---|---|---|---|---|---|---|
| Revenue | $219.2M+92.8% | $214.7M+94.4% | $312.6M+183.7% | $141.2M+12.4% | $113.7M+4.6% | $110.4M+98.8% | $110.2M+37.7% | $125.6M+16.5% |
| SG&A Expenses | $70.3M+100.0% | $69.7M+94.3% | N/A | $50.0M+42.3% | $35.1M-12.4% | $35.9M-12.0% | $77.6M-1.8% | $35.1M-12.5% |
| Interest Expense | $100.4M+53.6% | $101.6M+49.7% | $112.8M+54.2% | $83.6M+9.1% | $65.4M-13.2% | $67.9M-8.1% | $73.2M+17.8% | $76.6M+32.7% |
| Income Tax | $22.6M+198.5% | $19.7M+209.2% | $21.8M+247.3% | -$4.2M-163.3% | $7.6M+43.5% | $6.4M+32.6% | $6.3M+239.3% | $6.6M+76.6% |
| Net Income | $64.4M+192.5% | $46.2M+142.0% | $53.4M+204.3% | -$4.2M-121.0% | $22.0M+34.5% | $19.1M+30.2% | $17.5M+1313.6% | $20.1M+3.1% |
| EPS (Basic) | $0.77+208.0% | $0.55+161.9% | $0.64+220.0% | -$0.05-121.7% | $0.25+38.9% | $0.21+31.2% | $0.20+766.7% | $0.23-48.9% |
| EPS (Diluted) | $0.77 | $0.55 | $0.64 | -$0.05 | $0.25+38.9% | $0.21+31.2% | $0.20 | $0.23 |
| Diluted Shares (Avg) | 84M | 84M | 84M | 88M | 90M+0.4% | 90M+0.4% | 89M | 89M |
Not reported in any period shown, so not listed: Cost of Revenue, Gross Profit, R&D Expenses, Operating Income, EBITDA.
BBT Balance Sheet
Figures in USD, abbreviated K (thousand), M (million), B (billion), T (trillion). Negative values carry a minus sign and red type. Each change compares the year with the year before it, and each quarter with the same quarter a year earlier.
| Metric | Q2'2610-Q | Q1'2610-Q | Q4'2510-K | Q3'2510-K | Q2'2510-Q | Q1'2510-Q | Q4'2410-K | Q3'2410-K |
|---|---|---|---|---|---|---|---|---|
| Total Assets | $22.3B+84.9% | $22.2B+85.0% | $23.2B+95.0% | $22.8B+96.7% | $12.0B-1.5% | $12.0B-1.1% | $11.9B-4.2% | $11.6B-4.4% |
| Cash & Equivalents | $1.2B+140.0% | $1.1B+211.3% | $2.0B+275.5% | $1.2B+199.3% | $506.7M-53.9% | $357.5M-70.0% | $543.7M+308.7% | $407.9M-38.5% |
| Short-Term Investments | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 |
| Long-Term Investments | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 |
| Goodwill | $357.4M | $355.3M | $351.6M+45.8% | $353.5M | N/A | N/A | $241.2M0.0% | N/A |
| Total Liabilities | $19.7B+82.3% | $19.7B+82.3% | $20.7B+94.0% | $20.4B+93.7% | $10.8B-3.5% | $10.8B-2.9% | $10.7B-6.4% | $10.5B-5.9% |
| Long-Term Debt | $888.6M+293.9% | $1.1B+276.9% | $788.4M-48.1% | $1.1B+205.6% | $225.6M-19.0% | $284.6M+14.5% | $1.5B+516.4% | $353.6M+38.3% |
| Total Equity | $2.5B+102.5% | $2.5B+102.0% | $2.5B+104.3% | $2.4B+96.3% | $1.3B+4.6% | $1.2B+22.8% | $1.2B+1.9% | $1.2B+29.4% |
| Retained Earnings | $542.3M+1394.3% | $505.0M+3437.2% | $485.9M+5.9% | N/A | $36.3M+180.9% | $14.3M+123.3% | $458.9M+1485.0% | -$15.0M+37.2% |
Not reported in any period shown, so not listed: Current Assets, Inventory, Accounts Receivable, Current Liabilities, Non-Current Liabilities.
BBT Cash Flow Statement
Figures in USD, abbreviated K (thousand), M (million), B (billion), T (trillion). Negative values carry a minus sign and red type. Each change compares the year with the year before it, and each quarter with the same quarter a year earlier.
| Metric | Q2'2610-Q | Q1'2610-Q | Q4'2510-K | Q3'2510-K | Q2'2510-Q | Q1'2510-Q | Q4'2410-K | Q3'2410-K |
|---|---|---|---|---|---|---|---|---|
| Operating Cash Flow | $64.1M+90.8% | -$13.8M-272.8% | $167.4M+285.0% | $15.4M-22.5% | $33.6M-3.3% | $8.0M+16.8% | $43.5M+265.7% | $19.9M-44.0% |
| Stock-Based Compensation | $1.2M+20.0% | $1.0M-22.4% | N/A | $500K-44.4% | $1.0M | $1.3M-38.6% | N/A | $900K |
| Capital Expenditures | N/A | N/A | $7.8M+332.6% | -$1.1M-56.6% | $2.2M+594.0% | $3.4M+1337.9% | $1.8M-84.4% | $2.6M |
| Free Cash Flow | N/A | N/A | $159.6M+283.0% | $14.2M-17.4% | $31.4M-8.8% | $4.6M-30.0% | $41.7M+14420.6% | $17.2M-51.4% |
| Investing Cash Flow | $60.2M-23.6% | $51.7M-70.1% | $359.6M+506.4% | $1.7B+1138.6% | $78.8M+143.7% | $172.9M-40.8% | -$88.5M+30.0% | -$162.6M-221.1% |
| Financing Cash Flow | -$21.1M-157.4% | -$966.7M-163.4% | $294.0M+62.6% | -$990.6M-290.3% | $36.8M-29.5% | -$367.0M-19.0% | $180.8M+259.3% | $520.6M+1267.5% |
| Dividends Paid | $27.0M+124.7% | $27.0M+124.7% | $27.0M+124.7% | $12.0M-41.2% | $12.0M-22.8% | $12.0M | $12.0M-50.0% | $20.5M+158.9% |
| Share Buybacks | N/A | N/A | N/A | N/A | $0-100.0% | $0-100.0% | -$2K-100.0% | -$1K-100.0% |
Not reported in any period shown, so not listed: Depreciation & Amortization.
BBT Financial Ratios
Margins and returns are percentages; the remaining ratios are unitless multiples. Each change compares the year with the year before it, and each quarter with the same quarter a year earlier.
| Metric | Q2'2610-Q | Q1'2610-Q | Q4'2510-K | Q3'2510-K | Q2'2510-Q | Q1'2510-Q | Q4'2410-K | Q3'2410-K |
|---|---|---|---|---|---|---|---|---|
| Net Margin | 29.4%+10.0pp | 21.5%+4.2pp | 17.1%+1.1pp | -3.0%-19.0pp | 19.4%+4.3pp | 17.3%-9.1pp | 15.9%+17.7pp | 16.0%-2.1pp |
| Return on Equity | 2.5%+0.8pp | 1.8%+0.3pp | 2.1%+0.7pp | -0.2%-1.8pp | 1.8%+0.4pp | 1.5%+0.1pp | 1.4%+1.6pp | 1.6%-0.4pp |
| Return on Assets | 0.3%+0.1pp | 0.2%0.0pp | 0.2%+0.1pp | 0.0%-0.2pp | 0.2%+0.1pp | 0.2%0.0pp | 0.1%+0.2pp | 0.2%0.0pp |
| Debt-to-Equity | 0.35+0.2x | 0.43+0.2x | 0.32-0.9x | 0.45+0.2x | 0.18-0.1x | 0.230.0x | 1.24+1.0x | 0.290.0x |
| Asset Turnover | 0.010.0x | 0.010.0x | 0.010.0x | 0.010.0x | 0.010.0x | 0.010.0x | 0.010.0x | 0.010.0x |
| FCF Margin | N/A | N/A | 51.1%+13.2pp | 10.1%-3.6pp | 27.6%-4.1pp | 4.2%-7.7pp | 37.8%+37.5pp | 13.7%-19.2pp |
Not reported in any period shown, so not listed: Gross Margin, Operating Margin, Current Ratio.
Similar Companies
Newest fiscal year on record for each company. The health score is the peer-relative Financial Health Score for that year; a dash means no score is published for it.
| Company | Fiscal year | Revenue | Net income | Net margin | Market cap | Health score |
|---|---|---|---|---|---|---|
| Beacon Financial Corp BBT | FY2025 | $553.0M | $90.3M | 16.3% | $2.6B | 45/100 |
| First Bancorp N C FBNC | FY2025 | $390.3M | $111.0M | 28.4% | $2.6B | 46/100 |
| Nbt Bancorp Inc NBTB | FY2025 | $183.0M | $169.2M | 92.5% | $2.6B | 45/100 |
| Stock Yds Bancorp Inc SYBT | FY2025 | $467.6M | $140.2M | 30.0% | $2.4B | 55/100 |
| Enterprise Finl Svcs Corp EFSC | FY2025 | $888.4M | $201.4M | 22.7% | $2.3B | 53/100 |
| Berkshire Hills Bancorp Inc BHLB | FY2025 | $29.9M | $90.3M | N/A | $1.2B | 29/100 |
Where Beacon Financial Corp Ranks
Frequently Asked Questions
What is Beacon Financial Corp's annual revenue?
Beacon Financial Corp (BBT) reported $553.0M in total revenue for fiscal year 2025. This represents a 38.2% 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 grew by 38.2% year-over-year, from $400.0M to $553.0M 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 16.3%.
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 16.3% 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 P/E ratio?
Beacon Financial Corp (BBT) trades at 16.5x earnings, its market capitalization divided by net income of $159.8M net income, trailing 12 months to June 30, 2026. The market capitalization is $2.6B as of Sep 3, 2026; a multiple compares that price with a filed figure and says nothing about the quality of the business.
What is Beacon Financial Corp's price-to-sales ratio?
Beacon Financial Corp (BBT) trades at 3.0x sales, its market capitalization divided by revenue of $887.7M revenue, trailing 12 months to June 30, 2026. The market capitalization is $2.6B as of Sep 3, 2026; a multiple compares that price with a filed figure and says nothing about the quality of the business.
What is Beacon Financial Corp's Piotroski F-Score?
Beacon Financial Corp (BBT) has a Piotroski F-Score of 4 out of 7 computable signals; 2 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 45 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.