BEACON FINANCIAL CORP (BBT) Stock Fundamental Analysis
USA - NYSE:BBT - US0846801076 - Common Stock
26.38 USD
+0.15 (+0.57%)
26.38 USD
0 (0%)
Taking everything into account, BBT scores 4 out of 10 in our fundamental rating. BBT was compared to 390 industry peers in the Banks industry. Both the profitability and financial health of BBT have multiple concerns. BBT has a decent growth rate and is not valued too expensively.
1. Profitability
1.1 Basic Checks
BBT had positive earnings in the past year.
In the past year BBT had a positive cash flow from operations.
Of the past 5 years BBT 4 years were profitable.
BBT had a positive operating cash flow in each of the past 5 years.
1.2 Ratios
The Return On Assets of BBT (0.94%) is comparable to the rest of the industry.
BBT has a Return On Equity (9.27%) which is comparable to the rest of the industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.94% | ||
| ROE | 9.27% | ||
| ROIC | N/A |
ROA(3y)0.62%
ROA(5y)-0.26%
ROE(3y)7.27%
ROE(5y)-2.61%
ROIC(3y)N/A
ROIC(5y)N/A
1.3 Margins
BBT's Profit Margin of 24.62% is in line compared to the rest of the industry. BBT outperforms 55.38% of its industry peers.
BBT's Profit Margin has declined in the last couple of years.
BBT does not have Operating Margin and Gross Margin available, so we won't be analyzing them here.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | N/A | ||
| PM (TTM) | 24.62% | ||
| GM | N/A |
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y-17.67%
PM growth 5Y-6.62%
GM growth 3YN/A
GM growth 5YN/A
2. Health
2.1 Basic Checks
BBT does not have a ROIC to compare to the WACC, probably because it is not profitable.
BBT has more shares outstanding than it did 1 year ago.
Compared to 5 years ago, BBT has less shares outstanding
Compared to 1 year ago, BBT has an improved debt to assets ratio.
2.2 Solvency
BBT has a debt to FCF ratio of 0.90. This is a very positive value and a sign of high solvency as it would only need 0.90 years to pay back of all of its debts.
BBT has a Debt to FCF ratio of 0.90. This is in the better half of the industry: BBT outperforms 72.05% of its industry peers.
BBT has a Debt/Equity ratio of 0.10. This is a healthy value indicating a solid balance between debt and equity.
With a decent Debt to Equity ratio value of 0.10, BBT is doing good in the industry, outperforming 69.74% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.1 | ||
| Debt/FCF | 0.9 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC8.71%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
The Earnings Per Share has been growing slightly by 7.37% over the past year.
BBT shows a decrease in Earnings Per Share. Measured over the last years, the EPS has been decreasing by -1.63% yearly.
Looking at the last year, BBT shows a decrease in Revenue. The Revenue has decreased by -2.87% in the last year.
BBT shows a decrease in Revenue. Measured over the last years, the Revenue has been decreasing by -2.30% yearly.
EPS 1Y (TTM)7.37%
EPS 3Y-2.83%
EPS 5Y-1.63%
EPS Q2Q%-24.14%
Revenue 1Y (TTM)-2.87%
Revenue growth 3Y-2.71%
Revenue growth 5Y-2.3%
Sales Q2Q%15.39%
3.2 Future
The Earnings Per Share is expected to grow by 22.20% on average over the next years. This is a very strong growth
Based on estimates for the next years, BBT will show a very strong growth in Revenue. The Revenue will grow by 58.03% on average per year.
EPS Next Y21.17%
EPS Next 2Y29%
EPS Next 3Y22.2%
EPS Next 5YN/A
Revenue Next Year52.27%
Revenue Next 2Y58.03%
Revenue Next 3YN/A
Revenue Next 5YN/A
3.3 Evolution
The EPS growth rate is accelerating: in the next years the growth will be better than in the last years.
When comparing the Revenue growth rate of the last years to the growth rate of the upcoming years, we see that the growth is accelerating.
4. Valuation
4.1 Price/Earnings Ratio
BBT is valuated reasonably with a Price/Earnings ratio of 11.32.
BBT's Price/Earnings ratio is in line with the industry average.
When comparing the Price/Earnings ratio of BBT to the average of the S&P500 Index (25.83), we can say BBT is valued rather cheaply.
With a Price/Forward Earnings ratio of 7.14, the valuation of BBT can be described as very cheap.
BBT's Price/Forward Earnings ratio is rather cheap when compared to the industry. BBT is cheaper than 89.74% of the companies in the same industry.
Compared to an average S&P500 Price/Forward Earnings ratio of 32.68, BBT is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 11.32 | ||
| Fwd PE | 7.14 |
4.2 Price Multiples
Compared to the rest of the industry, the Price/Free Cash Flow ratio of BBT indicates a rather expensive valuation: BBT more expensive than 83.59% of the companies listed in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 248.56 | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
BBT's low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.
BBT's earnings are expected to grow with 22.20% in the coming years. This may justify a more expensive valuation.
PEG (NY)0.53
PEG (5Y)N/A
EPS Next 2Y29%
EPS Next 3Y22.2%
5. Dividend
5.1 Amount
With a Yearly Dividend Yield of 4.92%, BBT is a good candidate for dividend investing.
BBT's Dividend Yield is rather good when compared to the industry average which is at 3.42. BBT pays more dividend than 86.15% of the companies in the same industry.
Compared to an average S&P500 Dividend Yield of 2.39, BBT pays a better dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 4.92% |
5.2 History
The dividend of BBT decreases each year by -6.24%.
BBT has paid a dividend for at least 10 years, which is a reliable track record.
Dividend Growth(5Y)-6.24%
Div Incr YearsN/A
Div Non Decr YearsN/A
5.3 Sustainability
28.33% of the earnings are spent on dividend by BBT. This is a low number and sustainable payout ratio.
DP28.33%
EPS Next 2Y29%
EPS Next 3Y22.2%
26.38
+0.15 (+0.57%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners54.22%
Inst Owner Change0%
Ins Owners1.18%
Ins Owner Change4.17%
Market Cap33.75B
Revenue(TTM)400.00M
Net Income(TTM)113.25M
Analysts78.18
Price Target32.64 (23.73%)
Short Float %3.11%
Short Ratio2.63
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 4.92% |
Yearly Dividend0.69
Dividend Growth(5Y)-6.24%
DP28.33%
Div Incr YearsN/A
Div Non Decr YearsN/A
Ex-Date
Surprises & Revisions
EPS beat(2)2
Avg EPS beat(2)13.35%
Min EPS beat(2)11.56%
Max EPS beat(2)15.14%
EPS beat(4)4
Avg EPS beat(4)10.18%
Min EPS beat(4)4.83%
Max EPS beat(4)15.14%
EPS beat(8)7
Avg EPS beat(8)6.61%
EPS beat(12)8
Avg EPS beat(12)1.97%
EPS beat(16)11
Avg EPS beat(16)2.95%
Revenue beat(2)0
Avg Revenue beat(2)-1.81%
Min Revenue beat(2)-2.08%
Max Revenue beat(2)-1.54%
Revenue beat(4)2
Avg Revenue beat(4)14.69%
Min Revenue beat(4)-2.08%
Max Revenue beat(4)37.46%
Revenue beat(8)4
Avg Revenue beat(8)4.48%
Revenue beat(12)8
Avg Revenue beat(12)8.7%
Revenue beat(16)12
Avg Revenue beat(16)18.13%
PT rev (1m)-1.54%
PT rev (3m)N/A
EPS NQ rev (1m)2.03%
EPS NQ rev (3m)N/A
EPS NY rev (1m)2.85%
EPS NY rev (3m)N/A
Revenue NQ rev (1m)0.83%
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)0%
Revenue NY rev (3m)N/A
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 11.32 | ||
| Fwd PE | 7.14 | ||
| P/S | 73.38 | ||
| P/FCF | 248.56 | ||
| P/OCF | 232.14 | ||
| P/B | 27.61 | ||
| P/tB | 27.9 | ||
| EV/EBITDA | N/A |
EPS(TTM)2.33
EY8.83%
EPS(NY)3.69
Fwd EY14%
FCF(TTM)0.11
FCFY0.4%
OCF(TTM)0.11
OCFY0.43%
SpS0.36
BVpS0.96
TBVpS0.95
PEG (NY)0.53
PEG (5Y)N/A
Graham Number7.08
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.94% | ||
| ROE | 9.27% | ||
| ROCE | N/A | ||
| ROIC | N/A | ||
| ROICexc | N/A | ||
| ROICexgc | N/A | ||
| OM | N/A | ||
| PM (TTM) | 24.62% | ||
| GM | N/A | ||
| FCFM | 29.52% |
ROA(3y)0.62%
ROA(5y)-0.26%
ROE(3y)7.27%
ROE(5y)-2.61%
ROIC(3y)N/A
ROIC(5y)N/A
ROICexc(3y)N/A
ROICexc(5y)N/A
ROICexgc(3y)N/A
ROICexgc(5y)N/A
ROCE(3y)N/A
ROCE(5y)N/A
ROICexgc growth 3YN/A
ROICexgc growth 5YN/A
ROICexc growth 3YN/A
ROICexc growth 5YN/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y-17.67%
PM growth 5Y-6.62%
GM growth 3YN/A
GM growth 5YN/A
F-Score7
Asset Turnover0.04
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.1 | ||
| Debt/FCF | 0.9 | ||
| Debt/EBITDA | N/A | ||
| Cap/Depr | 89.7% | ||
| Cap/Sales | 2.09% | ||
| Interest Coverage | N/A | ||
| Cash Conversion | N/A | ||
| Profit Quality | 119.89% | ||
| Current Ratio | N/A | ||
| Quick Ratio | N/A | ||
| Altman-Z | N/A |
F-Score7
WACC8.71%
ROIC/WACCN/A
Cap/Depr(3y)21.12%
Cap/Depr(5y)22.6%
Cap/Sales(3y)0.65%
Cap/Sales(5y)0.84%
Profit Quality(3y)184.17%
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)7.37%
EPS 3Y-2.83%
EPS 5Y-1.63%
EPS Q2Q%-24.14%
EPS Next Y21.17%
EPS Next 2Y29%
EPS Next 3Y22.2%
EPS Next 5YN/A
Revenue 1Y (TTM)-2.87%
Revenue growth 3Y-2.71%
Revenue growth 5Y-2.3%
Sales Q2Q%15.39%
Revenue Next Year52.27%
Revenue Next 2Y58.03%
Revenue Next 3YN/A
Revenue Next 5YN/A
EBIT growth 1YN/A
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y-19.38%
FCF growth 3Y5.1%
FCF growth 5Y3.64%
OCF growth 1Y-14.49%
OCF growth 3Y5.87%
OCF growth 5Y2.35%
BEACON FINANCIAL CORP / BBT FAQ
What is the fundamental rating for BBT stock?
ChartMill assigns a fundamental rating of 4 / 10 to BBT.
What is the valuation status of BEACON FINANCIAL CORP (BBT) stock?
ChartMill assigns a valuation rating of 6 / 10 to BEACON FINANCIAL CORP (BBT). This can be considered as Fairly Valued.
How profitable is BEACON FINANCIAL CORP (BBT) stock?
BEACON FINANCIAL CORP (BBT) has a profitability rating of 3 / 10.
What are the PE and PB ratios of BEACON FINANCIAL CORP (BBT) stock?
The Price/Earnings (PE) ratio for BEACON FINANCIAL CORP (BBT) is 11.32 and the Price/Book (PB) ratio is 27.61.
How sustainable is the dividend of BEACON FINANCIAL CORP (BBT) stock?
The dividend rating of BEACON FINANCIAL CORP (BBT) is 6 / 10 and the dividend payout ratio is 28.33%.