A Business at a Glance
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Beacon Financial Corp
BBT
$2.6B
Mkt Cap
$30.14
+0.50%
Beacon Financial Corp (BBT) has a current P/E ratio of 29.3, compared to its historical median P/E of 15.1. The stock is currently considered Expensive based on its historical valuation range.
Beacon Financial Corp (BBT) has a 5-year average return on invested capital (ROIC) of 5.5%. This is below average and may indicate limited pricing power.
Beacon Financial Corp (BBT) has a market capitalization of $2.6B. It is classified as a mid-cap stock.
Yes, Beacon Financial Corp (BBT) pays a dividend with a trailing twelve-month yield of 2.39%.
Based on historical P/E analysis, Beacon Financial Corp (BBT) appears expensive. The current P/E of 29.3 is 94% above its historical median of 15.1. The estimated fair value CAGR (P/E method) is -7.9%.
Beacon Financial Corp (BBT) operates in the Savings Institutions, Not Federally Chartered industry, within the Financials sector.
Beacon Financial Corp (BBT) reported annual revenue of $883 million in its most recent fiscal year, based on SEC EDGAR filings.
Beacon Financial Corporation, a Delaware corporation, is the holding company for Beacon Bank & Trust and its subsidiaries and Clarendon Private. The Company offers a wide range of commercial, business and retail banking services, including a full complement of cash management products, foreign exchange services, on-line and mobile banking services, consumer and residential loans and wealth management services. Clarendon Private is a registered investment advisor with the SEC. Through Clarendon Private and the Trust and Investments Division of the Bank, the Company offers a wide range of wealth management services to individuals, families, endowments and foundations to help these clients meet their long-term financial goals.
| Metric | TTM | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 |
|---|---|---|---|---|---|---|
| Revenue | 883M | 883M | 654M | 609M | 456M | 472M |
| Net Income | 90M | 90M | 69M | 75M | 93M | 119M |
| EPS | $1.03 | $1.03 | $0.39 | $0.86 | $1.01 | $1.20 |
| Free Cash Flow | 212M | 212M | 100M | 104M | 109M | 83M |
| ROIC | 7.3% | 3.0% | 3.3% | 5.9% | 7.7% | 7.9% |
| Gross Margin | 58.0% | 58.0% | 56.6% | 59.7% | 90.6% | 91.9% |
| Debt/Equity | 0.32 | 0.32 | 1.33 | 0.42 | 0.13 | 0.09 |
| Dividends/Share | $0.72 | $0.73 | $0.27 | $0.55 | $0.27 | $0.24 |
| Operating Income | 122M | 122M | 92M | 94M | 114M | 149M |
| Operating Margin | 13.8% | 13.8% | 14.0% | 15.4% | 24.9% | 31.6% |
| ROE | 3.6% | 4.9% | 5.7% | 6.8% | 8.5% | 10.0% |
| Shares Outstanding | 88M | 88M | 178M | 87M | 92M | 99M |
| Metric | |||||||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Income Statement | |||||||||||||
| Revenue | 255M | 301M | 346M | 429M | 540M | 594M | 476M | 472M | 456M | 609M | 654M | 883M | 883M |
| Gross Margin | 83.0% | 83.4% | 81.1% | 80.2% | 75.0% | 69.7% | 64.5% | 91.9% | 90.6% | 59.7% | 56.6% | 58.0% | 58.0% |
| R&D | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| SG&A | 82M | 97M | 105M | 120M | 134M | 141M | 148M | 151M | 153M | 139M | 144M | 191M | 191M |
| EBIT | 6.3M | 8.3M | 17M | 21M | 138M | 124M | -533M | 149M | 114M | 94M | 92M | 122M | 122M |
| Op. Margin | 2.5% | 2.8% | 4.8% | 5.0% | 25.6% | 20.9% | -112.0% | 31.6% | 24.9% | 15.4% | 14.0% | 13.8% | 13.8% |
| Net Income | 34M | 50M | 59M | 55M | 105M | 96M | -533M | 119M | 93M | 75M | 69M | 90M | 90M |
| Net Margin | 13.2% | 16.4% | 16.9% | 12.8% | 19.4% | 16.3% | -112.0% | 25.1% | 20.3% | 12.3% | 10.5% | 10.2% | 10.2% |
| Non-Recurring | -662K | -3.5M | -1.3M | -686K | -152K | -3.4M | 553M | -2.8M | 0 | 181K | 17M | 412K | 412K |
| Returns on Capital | |||||||||||||
| ROIC | 3.9% | 5.1% | 4.9% | 3.3% | 5.4% | 4.4% | -25.5% | 7.9% | 7.7% | 5.9% | 3.3% | 3.0% | 7.3% |
| ROE | 4.9% | 6.2% | 5.9% | 4.2% | 6.9% | 5.8% | -36.2% | 10.0% | 8.5% | 6.8% | 5.7% | 4.9% | 3.6% |
| ROA | 0.6% | 0.7% | 0.7% | 0.5% | 0.9% | 0.8% | -4.1% | 1.0% | 0.8% | 0.6% | 0.6% | 0.5% | 0.4% |
| Cash Flow | |||||||||||||
| Op. Cash Flow | 56M | 86M | 98M | 78M | 222M | 112M | 228M | 85M | 111M | 117M | 105M | 224M | 224M |
| Free Cash Flow | 47M | 79M | 89M | 67M | 213M | 101M | 220M | 83M | 109M | 104M | 100M | 212M | 212M |
| Owner Earnings | 44M | 73M | 85M | 63M | 207M | 96M | 210M | 70M | 94M | 101M | 89M | 212M | 212M |
| CapEx | 8.5M | 7.3M | 9.1M | 11M | 9.3M | 11M | 7.2M | 1.6M | 1.5M | 12M | 5.0M | 12M | 12M |
| Maint. CapEx | 8.3M | 8.6M | 8.4M | 9.5M | 10M | 11M | 13M | 11M | 9.6M | 8.4M | 8.0M | 10M | 10M |
| Growth CapEx | 159K | 0 | 708K | 1.8M | 0 | 0 | 0 | 0 | 0 | 4.0M | 0 | 2.3M | 2.3M |
| D&A | 8.3M | 8.6M | 8.4M | 9.5M | 10M | 11M | 13M | 11M | 9.6M | 8.4M | 8.0M | 10M | 10M |
| CapEx/OCF | 15.1% | 8.5% | 9.3% | 14.4% | 4.2% | 9.5% | 3.2% | 1.9% | 1.4% | 10.6% | 4.7% | 5.5% | 5.5% |
| Capital Allocation | |||||||||||||
| Dividends Paid | 18M | 22M | 25M | 33M | 41M | 45M | 37M | 25M | 25M | 48M | 48M | 63M | 63M |
| Dividend Yield | 2.1% | 1.9% | 1.9% | 1.5% | 1.5% | 1.9% | 2.7% | 1.1% | 1.1% | 2.6% | 1.1% | 2.9% | 2.4% |
| Share Buybacks | 2.5M | 550K | 0 | 0 | 0 | 53M | 473K | 69M | 125M | 24M | 18M | 0 | 0 |
| Buyback Yield | 0.5% | 0.1% | N/A | N/A | N/A | 4.0% | 0.1% | 5.5% | 10.2% | 2.3% | N/A | N/A | 0.0% |
| Stock-Based Comp | 3.8M | 4.7M | 4.6M | 5.1M | 4.8M | 4.8M | 4.7M | 4.2M | 7.3M | 7.5M | 8.3M | 2.0M | 2.0M |
| Debt Repayment | 5.4B | 8.6B | 9.4B | 6.2B | 4.4B | 6.2B | 583M | 462M | 0 | 0 | 0 | 0 | 0 |
| Balance Sheet | |||||||||||||
| Net Debt | -56M | 39M | 57M | -493M | -65M | -1.1B | -2.7B | -1.5B | -270M | 361M | 1.1B | -1.3B | -1.3B |
| Cash & Equiv. | 72M | 104M | 113M | 249M | 183M | 580M | 1.6B | 1.6B | 383M | 133M | 544M | 2.0B | 2.0B |
| Long-Term Debt | 151M | 192M | 232M | 470M | 399M | 703M | 532M | 111M | 126M | 247M | 1.5B | 788M | 788M |
| Debt/Equity | 1.48 | 1.42 | 1.20 | 0.76 | 0.98 | 0.47 | 0.48 | 0.09 | 0.13 | 0.42 | 1.33 | 0.32 | 0.32 |
| Interest Coverage | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0.4 |
| Equity | 709M | 887M | 1.1B | 1.5B | 1.6B | 1.8B | 1.2B | 1.2B | 992M | 1.2B | 1.2B | 2.5B | 2.5B |
| Total Assets | 6.5B | 7.8B | 9.2B | 11.6B | 12.2B | 13.2B | 12.8B | 11.6B | 11.7B | 12.4B | 11.9B | 23.2B | 23.2B |
| Total Liabilities | 5.8B | 6.9B | 8.1B | 10.1B | 10.7B | 11.5B | 11.7B | 10.4B | 10.7B | 11.4B | 10.7B | 20.7B | 20.7B |
| Intangibles | 12M | 11M | 19M | 38M | 33M | 46M | 35M | 30M | 24M | 20M | 17M | 190M | 190M |
| Retained Earnings | 156M | 184M | 217M | 239M | 309M | 361M | -233M | -139M | -71M | -33M | 459M | 486M | 486M |
| Working Capital | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Current Assets | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Current Liabilities | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Per Share Data | |||||||||||||
| EPS | 0.68 | 0.87 | 0.94 | 0.70 | 1.15 | 0.99 | -5.30 | 1.20 | 1.01 | 0.86 | 0.39 | 1.03 | 1.03 |
| Owner EPS | 0.88 | 1.28 | 1.36 | 0.80 | 2.26 | 0.98 | 2.09 | 0.70 | 1.02 | 1.16 | 0.50 | 2.42 | 2.42 |
| Book Value | 14.29 | 15.50 | 17.52 | 18.90 | 16.96 | 17.95 | 11.80 | 11.91 | 10.83 | 13.78 | 6.85 | 28.48 | 28.48 |
| Cash Flow/Share | 1.12 | 1.51 | 1.57 | 0.99 | 2.43 | 1.14 | 2.26 | 0.85 | 1.21 | 1.34 | 0.59 | 2.56 | 1.14 |
| Dividends/Share | 0.36 | 0.38 | 0.40 | 0.42 | 0.44 | 0.46 | 0.36 | 0.24 | 0.27 | 0.55 | 0.27 | 0.73 | 0.72 |
| Shares Out. | 49.6M | 57.2M | 62.4M | 79.2M | 91.6M | 98.0M | 100.6M | 99.3M | 91.6M | 87.0M | 178.5M | 87.6M | 87.6M |
| Valuation | |||||||||||||
| P/E Ratio | 14.1 | 12.6 | 15.1 | 20.8 | 9.5 | 13.8 | N/A | 10.6 | 13.2 | 27.7 | 35.2 | 25.8 | 29.3 |
| P/FCF | 20.1 | 15.8 | 19.9 | 34.3 | 9.3 | 26.3 | 7.0 | 30.3 | 22.3 | 19.6 | 48.4 | 11.0 | 12.5 |
| EV/EBIT | 66.2 | 79.8 | 56.4 | 30.6 | N/A | N/A | N/A | N/A | 135.9 | N/A | N/A | N/A | 11.4 |
| Price/Book | 0.7 | 0.7 | 0.8 | 0.8 | 0.6 | 0.8 | 0.6 | 1.1 | 1.2 | 0.9 | 2.0 | 0.9 | 1.1 |
| Price/Sales | 1.9 | 2.2 | 2.2 | 3.0 | 3.2 | 2.7 | 1.7 | 2.5 | 2.8 | 2.5 | 5.9 | 4.0 | 3.0 |
| FCF Yield | 10.0% | 12.7% | 10.1% | 5.8% | 21.5% | 7.6% | 28.6% | 6.6% | 9.0% | 10.2% | 4.1% | 9.1% | 8.0% |
| Market Cap | 475M | 624M | 885M | 1.1B | 992M | 1.3B | 769M | 1.3B | 1.2B | 1.0B | 2.4B | 2.3B | 2.6B |
| Avg. Price | 17.49 | 20.42 | 21.30 | 28.03 | 30.29 | 24.54 | 13.28 | 21.79 | 25.26 | 21.33 | 23.55 | 25.18 | 30.14 |
| Year-End Price | 19.15 | 21.79 | 28.35 | 28.98 | 21.67 | 27.13 | 15.29 | 25.36 | 26.58 | 23.51 | 27.11 | 26.62 | 30.14 |
Beacon Financial Corp passes 4 of 9 quality checks, suggesting mixed fundamentals.
Beacon Financial Corp trades at 29.3x trailing earnings, compared to its 15-year median P/E of 15.1x, suggesting it is currently Expensive relative to its historical range. On a free-cash-flow basis, the stock trades at 11.9x vs a median of 21.1x. The company's 5-year average ROIC is 5.5% with a gross margin of 71.4%. Total shareholder yield (dividends) is 2.4%. At current prices, the estimated annualized return to fair value is -3.7%.
Beacon Financial Corp (BBT) has a net profit margin of 10.2%. This is a healthy margin.
Beacon Financial Corp (BBT) generated $212 million in free cash flow in its most recent fiscal year. Positive free cash flow supports dividends, buybacks, and debt reduction.
Beacon Financial Corp (BBT) has a debt-to-equity ratio of 0.32. This indicates a conservatively financed balance sheet.
Beacon Financial Corp (BBT) reported earnings per share (EPS) of $1.03 in its most recent fiscal year.
Beacon Financial Corp (BBT) has a return on equity (ROE) of 4.9%. This indicates moderate shareholder returns.
Beacon Financial Corp (BBT) has a 5-year average gross margin of 71.4%. This high margin suggests strong pricing power and a potential competitive moat.
The Ledger Terminal provides 17 years of financial data for Beacon Financial Corp (BBT), sourced directly from SEC EDGAR filings. This includes income statements, balance sheets, cash flow statements, and key financial ratios.
Beacon Financial Corp (BBT) has a book value per share of $28.48, based on its most recent annual SEC filing.
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