BEACON FINANCIAL CORP (BBT) Stock Fundamental Analysis
USA - New York Stock Exchange - NYSE:BBT - US0846801076 - Common Stock
27.05 USD
+0.16 (+0.6%)
27.05 USD
0 (0%)
We assign a fundamental rating of 4 out of 10 to BBT. BBT was compared to 388 industry peers in the Banks industry. Both the profitability and financial health of BBT have multiple concerns. BBT is not valued too expensively and it also shows a decent growth rate.
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.
BBT had positive earnings in 4 of the past 5 years.
In the past 5 years BBT always reported a positive cash flow from operatings.
1.2 Ratios
The Return On Assets of BBT (0.11%) is worse than 89.18% of its industry peers.
The Return On Equity of BBT (1.06%) is worse than 89.18% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.11% | ||
| ROE | 1.06% | ||
| 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
With a Profit Margin value of 5.32%, BBT is not doing good in the industry: 88.14% of the companies in the same industry are doing better.
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) | 5.32% | ||
| 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.
Compared to 1 year ago, BBT has more shares outstanding
The number of shares outstanding for BBT has been reduced compared to 5 years ago.
The debt/assets ratio for BBT has been reduced compared to a year ago.
2.2 Solvency
BBT has a debt to FCF ratio of 2.79. This is a good value and a sign of high solvency as BBT would need 2.79 years to pay back of all of its debts.
BBT has a Debt to FCF ratio (2.79) which is in line with 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.
Looking at the Debt to Equity ratio, with a value of 0.10, BBT is in the better half of the industry, outperforming 68.81% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.1 | ||
| Debt/FCF | 2.79 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC8.78%
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.
The Earnings Per Share has been decreasing by -1.63% on average over the past years.
BBT shows a strong growth in Revenue. In the last year, the Revenue has grown by 29.58%.
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)29.58%
Revenue growth 3Y-2.71%
Revenue growth 5Y-2.3%
Sales Q2Q%15.39%
3.2 Future
BBT is expected to show a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 20.80% yearly.
The Revenue is expected to grow by 39.32% on average over the next years. This is a very strong growth
EPS Next Y-10.69%
EPS Next 2Y28.32%
EPS Next 3Y20.8%
EPS Next 5YN/A
Revenue Next Year55.41%
Revenue Next 2Y61.79%
Revenue Next 3Y39.32%
Revenue Next 5YN/A
3.3 Evolution
When comparing the EPS growth rate of the last years to the growth rate of the upcoming years, we see that the growth is accelerating.
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
Based on the Price/Earnings ratio of 11.61, the valuation of BBT can be described as reasonable.
63.40% of the companies in the same industry are more expensive than BBT, based on the Price/Earnings ratio.
Compared to an average S&P500 Price/Earnings ratio of 26.59, BBT is valued rather cheaply.
BBT is valuated cheaply with a Price/Forward Earnings ratio of 7.40.
Based on the Price/Forward Earnings ratio, BBT is valued cheaper than 92.27% of the companies in the same industry.
BBT's Price/Forward Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 24.03.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 11.61 | ||
| Fwd PE | 7.4 |
4.2 Price Multiples
BBT's Price/Free Cash Flow ratio is rather expensive when compared to the industry. BBT is more expensive than 84.02% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 403.72 | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
A more expensive valuation may be justified as BBT's earnings are expected to grow with 20.80% in the coming years.
PEG (NY)N/A
PEG (5Y)N/A
EPS Next 2Y28.32%
EPS Next 3Y20.8%
5. Dividend
5.1 Amount
With a Yearly Dividend Yield of 4.64%, BBT is a good candidate for dividend investing.
BBT's Dividend Yield is rather good when compared to the industry average which is at 2.74. BBT pays more dividend than 87.63% of the companies in the same industry.
Compared to an average S&P500 Dividend Yield of 1.87, BBT pays a better dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 4.64% |
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
202.25% of the earnings are spent on dividend by BBT. This is not a sustainable payout ratio.
DP202.25%
EPS Next 2Y28.32%
EPS Next 3Y20.8%
27.05
+0.16 (+0.6%)
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 Cap34.60B
Revenue(TTM)479.25M
Net Income(TTM)25.50M
Analysts78.18
Price TargetN/A
Short Float %3.36%
Short Ratio2.85
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 4.64% |
Yearly Dividend0.69
Dividend Growth(5Y)-6.24%
DP202.25%
Div Incr YearsN/A
Div Non Decr YearsN/A
Ex-Date
Surprises & Revisions
EPS beat(2)1
Avg EPS beat(2)-17.68%
Min EPS beat(2)-50.49%
Max EPS beat(2)15.14%
EPS beat(4)3
Avg EPS beat(4)-3.65%
Min EPS beat(4)-50.49%
Max EPS beat(4)15.14%
EPS beat(8)7
Avg EPS beat(8)1.35%
EPS beat(12)8
Avg EPS beat(12)0.12%
EPS beat(16)10
Avg EPS beat(16)-1.16%
Revenue beat(2)1
Avg Revenue beat(2)1.05%
Min Revenue beat(2)-2.08%
Max Revenue beat(2)4.18%
Revenue beat(4)2
Avg Revenue beat(4)6.37%
Min Revenue beat(4)-2.08%
Max Revenue beat(4)24.91%
Revenue beat(8)4
Avg Revenue beat(8)3.43%
Revenue beat(12)8
Avg Revenue beat(12)6.97%
Revenue beat(16)12
Avg Revenue beat(16)12.1%
PT rev (1m)0%
PT rev (3m)-1.54%
EPS NQ rev (1m)0%
EPS NQ rev (3m)0.69%
EPS NY rev (1m)-26.3%
EPS NY rev (3m)-27.03%
Revenue NQ rev (1m)0.01%
Revenue NQ rev (3m)12.24%
Revenue NY rev (1m)2.06%
Revenue NY rev (3m)8.53%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 11.61 | ||
| Fwd PE | 7.4 | ||
| P/S | 72.2 | ||
| P/FCF | 403.72 | ||
| P/OCF | 369.26 | ||
| P/B | 14.33 | ||
| P/tB | 18.57 | ||
| EV/EBITDA | N/A |
EPS(TTM)2.33
EY8.61%
EPS(NY)3.66
Fwd EY13.51%
FCF(TTM)0.07
FCFY0.25%
OCF(TTM)0.07
OCFY0.27%
SpS0.37
BVpS1.89
TBVpS1.46
PEG (NY)N/A
PEG (5Y)N/A
Graham Number9.95
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.11% | ||
| ROE | 1.06% | ||
| ROCE | N/A | ||
| ROIC | N/A | ||
| ROICexc | N/A | ||
| ROICexgc | N/A | ||
| OM | N/A | ||
| PM (TTM) | 5.32% | ||
| GM | N/A | ||
| FCFM | 17.88% |
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-Score5
Asset Turnover0.02
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.1 | ||
| Debt/FCF | 2.79 | ||
| Debt/EBITDA | N/A | ||
| Cap/Depr | 52.38% | ||
| Cap/Sales | 1.67% | ||
| Interest Coverage | N/A | ||
| Cash Conversion | N/A | ||
| Profit Quality | 336.1% | ||
| Current Ratio | N/A | ||
| Quick Ratio | N/A | ||
| Altman-Z | N/A |
F-Score5
WACC8.78%
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 Y-10.69%
EPS Next 2Y28.32%
EPS Next 3Y20.8%
EPS Next 5YN/A
Revenue 1Y (TTM)29.58%
Revenue growth 3Y-2.71%
Revenue growth 5Y-2.3%
Sales Q2Q%15.39%
Revenue Next Year55.41%
Revenue Next 2Y61.79%
Revenue Next 3Y39.32%
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-37.93%
FCF growth 3Y5.1%
FCF growth 5Y3.64%
OCF growth 1Y-32.92%
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 5 / 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 2 / 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 11.61 and the Price/Book (PB) ratio is 14.33.
How sustainable is the dividend of BEACON FINANCIAL CORP (BBT) stock?
The dividend rating of BEACON FINANCIAL CORP (BBT) is 5 / 10 and the dividend payout ratio is 202.25%.