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

Beacon Financial Corporation (BBT) reported diluted earnings per share of $1.03 for fiscal year 2025. 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 Corporation (BBT) Financials

BBT

FY2025 annual

Revenue $553.0M +38.2% YoY

Net Income $90.3M +31.4% YoY

EPS (Diluted) $1.03 YoY not available

Free Cash Flow $212.2M +112.2% YoY

Market Cap $2.3B as of Oct 21, 2026

Price / Sales 2.6x on $887.7M revenue, trailing 12 months to June 30, 2026

Price / Earnings 14.7x on $159.8M net income, trailing 12 months to June 30, 2026

Price / Book 0.9x on $2.5B equity, Q2 FY2026

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 Oct 21, 2026; every other figure is from the SEC filings on this page. Not financial advice.

Source SEC Filings (10-K/10-Q) Latest period Q2 FY2026, ended Jun 30, 2026 Reported Aug 7, 2026 Currency USD FYE December

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 Corporation (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).

Rhea AI BBT FY2025 2026-10-04

The balance sheet expanded faster than earnings, while lower leverage and stronger cash generation changed how the business is financed.

Assets nearly doubled to $23.2B while net income rose only 31.4%, indicating expansion outpaced earnings growth. ROA fell from 0.6% to 0.4%, so the larger asset base produced less profit per dollar than in FY2024.

Operating cash flow reached $224M against net income of $90M, showing cash conversion exceeded accounting profit. Free cash flow of $212M remained close to operating cash flow, indicating reinvestment consumed relatively little of the cash produced.

Debt-to-equity fell from 1.2x to 0.3x between FY2024 and FY2025. Equity more than doubled to $2.5B, so the balance-sheet expansion relied less on debt relative to its capital base.

Financial Health Signals

Financial Health Score 48/100

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 Corporation'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

Beacon Financial Corporation 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 Corporation scores 26/100 among other banks.

Growth

Beacon Financial Corporation 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 Corporation scores 74/100 among other banks.

Capital

Beacon Financial Corporation 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 Corporation scores 40/100 among other banks.

Efficiency

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 Corporation scores 46/100 on it among other banks.

Credit Quality

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 Corporation scores 43/100 on it among other banks.

Stability

Beacon Financial Corporation 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 Corporation scores 61/100 among other banks.

Piotroski F-Score Partial

4/7

Beacon Financial Corporation 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.

Earnings Quality Cash-Backed

2.49x

For every $1 of reported earnings, Beacon Financial Corporation 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

$219.2M

YoY+92.8%

QoQ+2.1%

5Y CAGR+17.6%

10Y CAGR+11.8%

Beacon Financial Corporation 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%.

Net Income

$64.4M

YoY+192.5%

QoQ+39.4%

5Y CAGR+24.4%

10Y CAGR+15.0%

Beacon Financial Corporation 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%.

EPS (Diluted)

$0.77

QoQ+40.0%

5Y CAGR+12.4%

10Y CAGR+4.0%

Beacon Financial Corporation earned $0.77 per diluted share (EPS) in Q2 2026. Against the prior quarter it is up 40.0%.

EBITDA

Not reported for Q2 2026.

Cash & Balance Sheet

Cash & Debt

$1.2B

YoY+140.0%

QoQ+9.3%

5Y CAGR-7.8%

10Y CAGR+32.2%

Beacon Financial Corporation held $1.2B in cash against $888.6M in long-term debt as of Q2 2026.

Dividends Per Share

$0.32

QoQ0.0%

5Y CAGR+21.9%

Beacon Financial Corporation paid $0.32 per share in dividends in Q2 2026. It is unchanged from the prior quarter.

Shares Outstanding

84M

QoQ0.0%

5Y CAGR+11.4%

10Y CAGR+10.4%

Beacon Financial Corporation had 84M shares outstanding in Q2 2026. It is unchanged from the prior quarter.

Free Cash Flow

Not reported for Q2 2026.

Margins & Returns

Net Margin

29.4%

YoY+10.0pp

QoQ+7.9pp

5Y change+7.2pp

10Y change+7.2pp

Beacon Financial Corporation'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.

Return on Equity

2.5%

YoY+0.8pp

QoQ+0.7pp

5Y change+0.7pp

10Y change+0.8pp

Beacon Financial Corporation'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.

Gross Margin

Not reported for Q2 2026.

Operating Margin

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.

BBT quarterly income statement

Metric	TTM	FY2510-K	FY2410-K	FY2310-K	FY2210-K	FY2110-K	FY2010-K	FY1910-K	FY1810-K	FY1710-K	FY1610-K	FY1510-K	FY1410-K	FY1310-K	FY1210-K	FY1110-K
Revenue	$887.7M	$553.0M+38.2%	$400.0M-2.9%	$411.8M-0.4%	$413.5M-4.8%	$434.4M+13.4%	$383.1M-14.7%	$449.3M+4.4%	$430.5M+17.9%	$365.2M+22.5%	$298.1M+11.2%	$268.1M+18.4%	$226.5M-0.2%	$227.0M+15.0%	$197.4M+38.7%	$142.3M
SG&A Expenses	N/A	$191.2M+33.0%	$143.7M+3.5%	$138.9M-9.1%	$152.7M+1.4%	$150.6M+1.9%	$147.8M+4.9%	$140.9M+5.1%	$134.0M+11.7%	$120.0M+14.7%	$104.6M+7.4%	$97.4M+19.1%	$81.8M+14.9%	$71.1M+11.0%	$64.1M+29.3%	$49.5M
Interest Expense	$398.4M	$329.7M+10.3%	$298.9M+44.2%	$207.3M+385.8%	$42.7M+12.6%	$37.9M-59.2%	$93.0M-35.5%	$144.3M+31.5%	$109.7M+71.1%	$64.1M+33.1%	$48.2M+45.2%	$33.2M+17.0%	$28.4M-19.0%	$35.0M+7.5%	$32.6M+2.6%	$31.7M
Income Tax	$60.0M	$31.6M+37.5%	$23.0M+21.5%	$18.9M-11.1%	$21.3M-29.9%	$30.4M+252.9%	-$19.9M-188.4%	$22.5M-22.4%	$29.0M-31.2%	$42.1M+124.1%	$18.8M+270.9%	$5.1M-56.9%	$11.8M-31.2%	$17.1M+29.4%	$13.2M+133.9%	$5.7M
Net Income	$159.8M	$90.3M+31.4%	$68.7M-8.4%	$75.0M-18.9%	$92.5M-22.0%	$118.7M+122.3%	-$533.0M-647.0%	$97.5M-7.9%	$105.8M+91.4%	$55.2M-5.8%	$58.7M+18.5%	$49.5M+46.7%	$33.7M-18.0%	$41.1M+24.0%	$33.2M+88.8%	$17.6M
EPS (Basic)	N/A	$1.03+33.8%	$0.77-9.4%	$0.85-58.1%	$2.03-15.8%	$2.41+122.7%	-$10.60-635.4%	$1.98-13.9%	$2.30+64.3%	$1.40-25.9%	$1.89+8.6%	$1.74+27.9%	$1.36-18.1%	$1.66+11.4%	$1.49+53.6%	$0.97
EPS (Diluted)	$1.91	$1.03	$0.77-9.4%	$0.85	$2.02-15.5%	$2.39+122.5%	-$10.60-638.1%	$1.97-14.0%	$2.29+64.7%	$1.39-26.1%	$1.88+8.7%	$1.73+27.2%	$1.36-17.6%	$1.65+10.7%	$1.49+53.6%	$0.97
Diluted Shares (Avg)	N/A	88M	89M+1.0%	88M	46M-7.3%	50M-1.4%	50M+1.7%	49M+6.9%	46M+16.5%	40M+27.4%	31M+9.1%	29M+14.9%	25M-0.4%	25M+11.8%	22M+24.4%	18M

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

BBT quarterly balance sheet

Metric	FY2510-K	FY2410-K	FY2310-K	FY2210-K	FY2110-K	FY2010-K	FY1910-K	FY1810-K	FY1710-K	FY1610-K	FY1510-K	FY1410-K	FY1310-K	FY1210-K	FY1110-K
Total Assets	$23.2B+95.0%	$11.9B-4.2%	$12.4B+6.6%	$11.7B+0.9%	$11.6B-10.0%	$12.8B-2.9%	$13.2B+8.2%	$12.2B+5.5%	$11.6B+26.3%	$9.2B+17.0%	$7.8B+20.4%	$6.5B+14.6%	$5.7B+7.1%	$5.3B+32.7%	$4.0B
Cash & Equivalents	$2.0B+275.5%	$543.7M+308.7%	$133.0M-65.3%	$383.0M-76.5%	$1.6B+4.5%	$1.6B+168.7%	$579.8M+216.5%	$183.2M-26.4%	$248.8M+120.0%	$113.1M+9.2%	$103.6M+44.3%	$71.8M-5.0%	$75.5M-23.1%	$98.2M+30.4%	$75.4M
Short-Term Investments	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0
Long-Term Investments	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0
Goodwill	$351.6M+45.8%	$241.2M0.0%	$241.2M	N/A	$0	$0-100.0%	$553.8M+6.8%	$518.3M-0.2%	$519.3M+28.8%	$403.1M+24.4%	$323.9M+22.4%	$264.7M+3.1%	$256.9M+0.7%	$255.2M+26.1%	$202.4M
Total Liabilities	$20.7B+94.0%	$10.7B-6.4%	$11.4B+6.6%	$10.7B+3.2%	$10.4B-11.0%	$11.7B+1.7%	$11.5B+7.5%	$10.7B+5.8%	$10.1B+24.9%	$8.1B+16.2%	$6.9B+19.9%	$5.8B+16.0%	$5.0B+7.9%	$4.6B+34.6%	$3.4B
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-24.3%	$702.5M+76.1%	$399.0M-15.1%	$469.8M+102.5%	$232.0M+20.7%	$192.1M+26.9%	$151.4M-21.0%	$191.6M-32.8%	$284.9M+25.3%	$227.4M
Total Equity	$2.5B+104.3%	$1.2B+1.9%	$1.2B+20.8%	$992.1M-16.1%	$1.2B-0.4%	$1.2B-32.5%	$1.8B+13.2%	$1.6B+3.8%	$1.5B+36.9%	$1.1B+23.2%	$887.2M+25.1%	$709.3M+4.6%	$678.1M+1.6%	$667.3M+20.9%	$551.8M
Retained Earnings	$485.9M+5.9%	$458.9M+1485.0%	-$33.1M+53.6%	-$71.4M+48.8%	-$139.4M+40.3%	-$233.3M-164.6%	$361.1M+16.9%	$308.8M+29.1%	$239.2M+10.0%	$217.5M+18.3%	$183.9M+17.5%	$156.4M+10.2%	$142.0M+16.3%	$122.0M+13.1%	$107.9M

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

BBT quarterly cash flow statement

Metric	TTM	FY2510-K	FY2410-K	FY2310-K	FY2210-K	FY2110-K	FY2010-K	FY1910-K	FY1810-K	FY1710-K	FY1610-K	FY1510-K	FY1410-K	FY1310-K	FY1210-K	FY1110-K
Operating Cash Flow	$233.1M	$224.4M+113.8%	$105.0M-10.0%	$116.6M+5.3%	$110.7M+30.6%	$84.8M-62.8%	$227.6M+104.1%	$111.5M-49.8%	$222.3M+184.6%	$78.1M-20.4%	$98.1M+13.7%	$86.3M+54.6%	$55.8M-56.2%	$127.4M+344.7%	$28.7M-28.7%	$40.2M
Depreciation & Amortization	N/A	$10.0M+25.0%	$8.0M-4.8%	$8.4M-12.5%	$9.6M-12.7%	$11.0M-12.0%	$12.5M+14.5%	$10.9M+4.6%	$10.4M+9.9%	$9.5M+13.2%	$8.4M-2.3%	$8.6M+3.6%	$8.3M+16.5%	$7.1M+17.8%	$6.0M+24.7%	$4.8M
Stock-Based Compensation	N/A	$3.5M-57.9%	$8.3M+10.9%	$7.5M+2.2%	$7.3M+76.0%	$4.2M-11.8%	$4.7M-1.8%	$4.8M+1.1%	$4.8M-6.7%	$5.1M+10.4%	$4.6M-1.4%	$4.7M+22.1%	$3.8M+29.7%	$3.0M+31.0%	$2.3M+55.9%	$1.4M
Capital Expenditures	N/A	$12.3M+146.5%	$5.0M-59.7%	$12.4M+726.6%	$1.5M-6.9%	$1.6M-77.7%	$7.2M-31.8%	$10.6M+13.0%	$9.3M-16.9%	$11.3M+23.7%	$9.1M+24.0%	$7.3M-13.1%	$8.5M-35.5%	$13.1M-30.6%	$18.9M+136.5%	$8.0M
Free Cash Flow	N/A	$212.2M+112.2%	$100.0M-4.1%	$104.2M-4.6%	$109.2M+31.3%	$83.2M-62.3%	$220.4M+118.3%	$101.0M-52.6%	$212.9M+218.6%	$66.8M-24.9%	$89.0M+12.8%	$78.9M+66.7%	$47.4M-58.6%	$114.3M+1070.7%	$9.8M-69.7%	$32.2M
Investing Cash Flow	$2.2B	$2.3B+1747.8%	-$139.6M+79.0%	-$665.3M+47.2%	-$1.3B-303.0%	$621.2M-3.1%	$641.1M-46.7%	$1.2B+239.6%	-$861.5M-204.5%	-$282.9M-36.3%	-$207.6M+54.3%	-$454.5M-23.1%	-$369.3M+28.3%	-$515.2M-101.6%	-$255.5M-649.6%	-$34.1M
Financing Cash Flow	-$1.7B	-$1.0B-330.6%	$445.3M+49.1%	$298.7M+43.8%	$207.7M+132.7%	-$636.1M-682.0%	$109.3M+111.9%	-$917.5M-259.9%	$573.7M+68.5%	$340.5M+186.2%	$119.0M-70.3%	$400.0M+29.2%	$309.7M-15.2%	$365.1M+46.4%	$249.3M+875.5%	$25.6M
Dividends Paid	$93.1M	$63.1M+31.3%	$48.1M+0.3%	$47.9M+95.4%	$24.5M-0.1%	$24.6M-32.8%	$36.6M-18.9%	$45.1M+10.3%	$40.9M+23.0%	$33.2M+33.4%	$24.9M+13.8%	$21.9M+21.2%	$18.1M-0.2%	$18.1M+15.9%	$15.6M+31.3%	$11.9M
Share Buybacks	N/A	N/A	$17.5M-26.5%	$23.8M-80.9%	$124.5M+81.2%	$68.7M+14426.8%	$473K-99.1%	$52.7M	$0	$0	$0-100.0%	$550K-77.7%	$2.5M-79.9%	$12.2M+302.4%	-$3.0M	N/A

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.

BBT quarterly financial ratios

Metric	FY2510-K	FY2410-K	FY2310-K	FY2210-K	FY2110-K	FY2010-K	FY1910-K	FY1810-K	FY1710-K	FY1610-K	FY1510-K	FY1410-K	FY1310-K	FY1210-K	FY1110-K
Net Margin	16.3%-0.9pp	17.2%-1.0pp	18.2%-4.2pp	22.4%-4.9pp	27.3%	-139.1%	21.7%-2.9pp	24.6%+9.4pp	15.1%-4.6pp	19.7%+1.2pp	18.5%+3.6pp	14.9%-3.2pp	18.1%+1.3pp	16.8%+4.5pp	12.3%
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%-50.4pp	5.5%-1.3pp	6.8%+3.1pp	3.7%-1.7pp	5.4%-0.2pp	5.6%+0.8pp	4.8%-1.3pp	6.1%+1.1pp	5.0%+1.8pp	3.2%
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%-4.9pp	0.7%-0.1pp	0.9%+0.4pp	0.5%-0.2pp	0.6%0.0pp	0.6%+0.1pp	0.5%-0.2pp	0.7%+0.1pp	0.6%+0.2pp	0.4%
Debt-to-Equity	0.32-0.9x	1.24+1.0x	0.21+0.1x	0.130.0x	0.09-0.4x	0.450.0x	0.40+0.1x	0.26-0.1x	0.31+0.1x	0.210.0x	0.220.0x	0.21-0.1x	0.28-0.1x	0.430.0x	0.41
Asset Turnover	0.020.0x	0.030.0x	0.030.0x	0.040.0x	0.040.0x	0.030.0x	0.030.0x	0.040.0x	0.030.0x	0.030.0x	0.030.0x	0.030.0x	0.040.0x	0.040.0x	0.04
FCF Margin	38.4%+13.4pp	25.0%-0.3pp	25.3%-1.1pp	26.4%+7.3pp	19.1%-38.4pp	57.5%+35.1pp	22.5%-27.0pp	49.5%+31.1pp	18.3%-11.6pp	29.9%+0.4pp	29.4%+8.5pp	20.9%-29.4pp	50.4%+45.4pp	5.0%-17.7pp	22.6%

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 Corporation BBT	FY2025	$553.0M	$90.3M	16.3%	$2.3B	48/100
First Bancorp/NC FBNC	FY2025	$390.3M	$111.0M	28.4%	$2.5B	50/100
NBT Bancorp Inc NBTB	FY2025	$697.0M	$169.2M	24.3%	$2.7B	54/100
Stock Yards Bancorp, Inc. SYBT	FY2025	$397.3M	$140.2M	35.3%	$2.4B	54/100
Enterprise Financial Services Corporation EFSC	FY2025	$739.9M	$201.4M	27.2%	$2.2B	55/100
Berkshire Hills Bancorp, Inc. BHLB	FY2025	$29.9M	$90.3M	N/A	$2.2B	29/100

Where Beacon Financial Corporation Ranks

Frequently Asked Questions

What is Beacon Financial Corporation's annual revenue?

Beacon Financial Corporation (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 Corporation's revenue growing?

Beacon Financial Corporation (BBT) revenue grew by 38.2% year-over-year, from $400.0M to $553.0M in fiscal year 2025.

Is Beacon Financial Corporation profitable?

Yes, Beacon Financial Corporation (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 Corporation have?

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

What is Beacon Financial Corporation's net profit margin?

Beacon Financial Corporation (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 Corporation pay dividends?

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

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

Beacon Financial Corporation (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 Corporation's free cash flow?

Beacon Financial Corporation (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 Corporation's operating cash flow?

Beacon Financial Corporation (BBT) generated $224.4M in operating cash flow during fiscal year 2025, representing cash generated from core business activities.

What are Beacon Financial Corporation's total assets?

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

What are Beacon Financial Corporation's capital expenditures?

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

How many shares does Beacon Financial Corporation have outstanding?

Beacon Financial Corporation (BBT) had 84M shares outstanding as of fiscal year 2025.

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

Beacon Financial Corporation (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 Corporation's return on assets (ROA)?

Beacon Financial Corporation (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 Corporation's P/E ratio?

Beacon Financial Corporation (BBT) trades at 14.7x earnings, its market capitalization divided by net income of $159.8M net income, trailing 12 months to June 30, 2026. The market capitalization is $2.3B as of Oct 21, 2026; a multiple compares that price with a filed figure and says nothing about the quality of the business.

What is Beacon Financial Corporation's price-to-sales ratio?

Beacon Financial Corporation (BBT) trades at 2.6x sales, its market capitalization divided by revenue of $887.7M revenue, trailing 12 months to June 30, 2026. The market capitalization is $2.3B as of Oct 21, 2026; a multiple compares that price with a filed figure and says nothing about the quality of the business.

What is Beacon Financial Corporation's Piotroski F-Score?

Beacon Financial Corporation (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 Corporation's earnings high quality?

Beacon Financial Corporation (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 Corporation?

Beacon Financial Corporation (BBT) scores 48 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.