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Updated: Aug 17, 2026
BBT Logo

Beacon Financial

NYSE:BBT·Stock Analysis Report
Day Range
$31.30 - $31.88
Market Cap
2.73B
P/E Ratio
10.4204
Avg Value
$21.56
Year Range
$10.43 - $32.70
$31.65$0.07 (0.22%)
1
General Information
Beacon Financial Corp operates as a multi-bank holding company.

It offers commercial, business, and retail banking services, including a full complement of cash management products, online banking services, and consumer and residential loans.

2
Beacon Financial (BBT) Stock Graph
3
How We Grade Beacon Financial (BBT)

We grade stocks based on past performance, their future growth potential, intrinsic value, dividend history, and overall financial health.

The chart below shows how we grade Beacon Financial (BBT) across the board compared to its closest peers.

4
Benzinga Edge Rankings

Benzinga Edge stock rankings give you four critical scores to help you identify the strongest and weakest stocks to buy and sell.

95.96

Growth measures a stock's combined historical expansion in earnings and revenue across multiple time periods, with emphasis on both long-term trends and recent performance.

Stock Score Locked: Want to See it?
Benzinga Rankings give you vital metrics on any stock – anytime.
5
Valuation

Earnings History (3 years)

It is important to look at a companies earnings history to see not only if they are profitable, but if their earnings are growing.
As you can see from the chart above, BBT's earnings have increased for the past three years, this is a positive sign for the stock.
6
Past Performance
How has Beacon Financial (BBT) performed over the past 5 years?

The two main factors that we consider when analyzing past performance is overall return and volatility

Using these two metrics, we can determine if this stock gave its investors enough return for the risk that they took on by owning it. This is measured by the sharpe ratio, which has been used as a primary measure of risk/reward trade-off for almost 60 years.

This ratio can be interpreted as the amount of return an investor has received for the amount of risk that they took on by owning the stock over that timeframe.

Beacon Financial (BBT) sharpe ratio over the past 5 years is 0.8790 which is considered to be above average compared to the peer average of 0.6898

7
Company Financials
INCOME STATEMENT
The income statement also known as the profit and loss statement, primarily focuses on the company's revenues and expenses during a particular period.

The main purpose of an income statement is to convey details of profitability and business activities. Below, is BBT's income statement for the previous four years along with its trailing-twelve- month profit & loss.

FISCAL YEAR (BIL.)
2022 ($)
2023 ($)
2024 ($)
2025 ($)
TTM ($)
Total Revenue
0.33
0.37
0.36
0.55
0.80
Operating Revenue
0.33
0.37
0.36
0.55
0.80
Cost Of Revenue
Gross Profit
Operating Expense
Selling General And Administration
0.12
0.15
0.16
0.20
0.28
Research and Development
Operating Income
Net Non-Operating Interest Income Expense
Other Income Expense
Other Non-Operating Income Expenses
Pre-Tax Income
0.14
0.09
0.09
0.12
0.22
Tax Provision
0.03
0.02
0.02
0.03
0.06
Net Income
0.11
0.07
0.07
0.09
0.16
Net Income Common Stockholders
0.11
0.07
0.07
0.09
0.16
Total Operating Income As Reported
Total Expenses
Net Income From Continuing And Discontinued Operation
0.11
0.07
0.07
0.09
0.16
Normalized Income
0.11
0.08
0.07
0.13
0.21
Interest Income
0.35
0.58
0.63
0.83
1.11
Interest Expense
0.05
0.24
0.30
0.33
0.40
Net Interest Income
0.30
0.34
0.33
0.50
0.71
EBIT
EBITDA
Reconciled Cost Of Revenue
Reconciled Depreciation
0.01
0.02
0.01
0.02
0.04
Normalized EBITDA
Tax Rate For Calcs
0.00
0.00
0.00
0.00
0.26
Tax Effect Of Unusual Items
0.00
0.00
0.00
-0.02
-0.02
BALANCE SHEET
The balance sheet is a snapshot of a companies financials during a particular period in time.

It breaks down what company owns (assets) and what a company owes (liabilities), in order to give investors an overview of its capital structure.

FISCAL YEAR (BIL.)
2022 ($)
2023 ($)
2024 ($)
2025 ($)
TTM ($)
Total Assets
9.19
11.38
11.91
23.22
22.25
Current Assets
Total Non-Current Assets
Total Liabilities Net Minority Interest
8.19
10.18
10.68
20.72
19.71
Current Liabilities
Other Non-Current Liabilities
Total Equity Gross Minority Interest
0.99
1.20
1.22
2.50
2.54
Stockholders Equity
Total Capitalization
2.42
2.58
1.38
2.74
3.43
Common Stock Equity
0.99
1.20
1.22
2.50
2.54
Net Tangible Assets
0.83
0.93
0.96
1.95
2.01
Working Capital
Invested Capital
2.42
2.58
2.74
3.28
3.43
Tangible Book Value
0.83
0.93
0.96
1.95
2.01
Total Debt
1.45
1.41
1.56
0.88
0.98
Net Debt
1.05
1.24
0.98
Share Issued
0.04
0.04
0.04
0.09
0.08
Ordinary Shares Number
0.03
0.04
0.04
0.08
0.08
CASH FLOW STATEMENTS
A companies statement of cash flows gives an investor a break down of the cash inflows and outflows from a companies operations and investment activities.
FISCAL YEAR (BIL.)
2022 ($)
2023 ($)
2024 ($)
2025 ($)
TTM ($)
Cash Flow from Continuing Operating Activities
0.12
0.12
0.10
0.22
0.23
Net Income from Continuing Operations
0.11
0.07
0.07
0.09
0.16
Depreciation and Amortization
0.01
0.02
0.01
0.02
0.04
Deferred Tax
0.00
0.02
0.00
0.02
0.04
Deferred Income Tax
0.00
0.02
0.00
0.02
0.04
Stock-Based Compensation
0.00
0.00
0.00
0.01
0.01
Other Non-Cash Items
0.00
0.00
0.00
0.08
0.09
Change in Working Capital
-0.01
-0.01
0.01
-0.01
-0.08
Change in Receivables
Changes in Account Receivables
Change in Inventory
Change in Payables and Accrued Expense
0.04
-0.03
0.00
-0.09
-0.11
Change in Payable
Change in Account Payable
Change in Other Current Assets
-0.05
0.01
0.01
0.09
0.04
Change in Other Current Liabilities
Change in Other Working Capital
0.00
0.00
0.00
0.00
0.00
Cash Flow from Continuing Investing Activities
-0.56
-0.67
-0.14
2.30
2.16
Net PPE Purchase and Sale
-0.01
-0.01
0.00
-0.01
-0.02
Net Business Purchase and Sale
-0.08
0.00
Purchase of Business
-0.08
0.00
Net Investment Purchase and Sale
-0.02
0.14
0.03
0.33
0.20
Purchase of Investment
-0.20
-0.36
-0.15
-0.03
-0.30
Sale of Investment
0.18
0.50
0.17
0.37
0.50
Net Other Investing Changes
-0.03
0.00
0.00
0.02
0.00
Financing Cash Flow
0.49
0.30
0.45
-1.03
-1.68
Cash Flow from Continuing Financing Activities
0.49
0.30
0.45
-1.03
-1.68
Net Issuance Payments of Debt
1.08
-0.11
0.14
-1.29
-0.83
Net Long-Term Debt Issuance
1.08
-0.11
0.14
-1.29
-0.83
Long-Term Debt Issuance
8.61
6.16
1.65
1.06
2.15
Long-Term Debt Payments
-7.53
-6.26
-1.51
-2.35
-2.98
Net Short-Term Debt Issuance
Net Common Stock Issuance
Common Stock Issuance
Common Stock Payments
Cash Dividends Paid
-0.04
-0.05
-0.05
-0.06
-0.09
Net Other Financing Charges
0.00
0.00
0.00
0.00
End Cash Position
0.88
1.00
1.60
4.13
5.59
Changes in Cash
0.06
-0.25
0.41
1.50
0.71
Beginning Cash Position
0.82
1.25
1.19
2.63
4.88
Capital Expenditure
-0.01
-0.01
0.00
-0.02
Issuance of Capital Stock
Issuance of Debt
8.61
6.16
1.65
1.06
2.15
Repayment of Debt
-7.53
-6.26
-1.51
-2.35
-2.98
Repurchase of Capital Stock
Free Cash Flow
0.11
0.10
0.10
0.21
0.22