BEACON FINANCIAL CORP (BBT) Stock Fundamental Analysis
USA - New York Stock Exchange - NYSE:BBT - US0846801076 - Common Stock
25.59 USD
-0.01 (-0.04%)
25.59 USD
0 (0%)
Taking everything into account, BBT scores 4 out of 10 in our fundamental rating. BBT was compared to 387 industry peers in the Banks industry. BBT may be in some trouble as it scores bad on both profitability and health. 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.
BBT had a positive operating cash flow in the past year.
BBT had positive earnings in 4 of the past 5 years.
BBT had a positive operating cash flow in each of the past 5 years.
1.2 Ratios
BBT has a Return On Assets (0.94%) which 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 has a Profit Margin (24.62%) which is comparable to the rest of the industry.
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.
The number of shares outstanding for BBT has been increased compared to 1 year ago.
BBT has less shares outstanding than it did 5 years ago.
Compared to 1 year ago, BBT has an improved debt to assets ratio.
2.2 Solvency
The Debt to FCF ratio of BBT is 0.90, which is an excellent value as it means it would take BBT, only 0.90 years of fcf income to pay off 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 69.51% of its industry peers.
A Debt/Equity ratio of 0.10 indicates that BBT is not too dependend on debt financing.
BBT's Debt to Equity ratio of 0.10 is fine compared to the rest of the industry. BBT outperforms 68.99% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.1 | ||
| Debt/FCF | 0.9 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC8.62%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
BBT shows a small growth in Earnings Per Share. In the last year, the EPS has grown by 7.37%.
BBT shows a decrease in Earnings Per Share. Measured over the last years, the EPS has been decreasing by -1.63% yearly.
The Revenue has decreased by -2.87% in the past year.
Measured over the past years, BBT shows a decrease in Revenue. The Revenue has been decreasing by -2.30% on average per year.
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
Based on estimates for the next years, BBT will show a very strong growth in Earnings Per Share. The EPS will grow by 22.20% on average per year.
BBT is expected to show a strong growth in Revenue. In the coming years, the Revenue will grow by 58.03% yearly.
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
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
The Price/Earnings ratio is 10.98, which indicates a very decent valuation of BBT.
63.82% 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 26.31, BBT is valued rather cheaply.
Based on the Price/Forward Earnings ratio of 6.93, the valuation of BBT can be described as very cheap.
Based on the Price/Forward Earnings ratio, BBT is valued cheaply inside the industry as 91.73% of the companies are valued more expensively.
When comparing the Price/Forward Earnings ratio of BBT to the average of the S&P500 Index (36.59), we can say BBT is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 10.98 | ||
| Fwd PE | 6.93 |
4.2 Price Multiples
Based on the Price/Free Cash Flow ratio, BBT is valued more expensive than 83.46% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 241.11 | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
The 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)0.52
PEG (5Y)N/A
EPS Next 2Y29%
EPS Next 3Y22.2%
5. Dividend
5.1 Amount
With a Yearly Dividend Yield of 5.04%, BBT is a good candidate for dividend investing.
Compared to an average industry Dividend Yield of 3.23, BBT pays a better dividend. On top of this BBT pays more dividend than 90.70% of the companies listed in the same industry.
BBT's Dividend Yield is rather good when compared to the S&P500 average which is at 2.34.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 5.04% |
5.2 History
The dividend of BBT decreases each year by -6.24%.
BBT has been paying a dividend for at least 10 years, so it has a reliable track record.
Dividend Growth(5Y)-6.24%
Div Incr YearsN/A
Div Non Decr YearsN/A
5.3 Sustainability
BBT pays out 28.33% of its income as dividend. This is a sustainable payout ratio.
DP28.33%
EPS Next 2Y29%
EPS Next 3Y22.2%
25.59
-0.01 (-0.04%)
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 Cap32.74B
Revenue(TTM)400.00M
Net Income(TTM)113.25M
Analysts78.18
Price Target32.64 (27.55%)
Short Float %3.24%
Short Ratio2.82
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 5.04% |
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)0%
EPS NQ rev (3m)N/A
EPS NY rev (1m)-11.32%
EPS NY rev (3m)N/A
Revenue NQ rev (1m)0.83%
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)3.18%
Revenue NY rev (3m)N/A
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 10.98 | ||
| Fwd PE | 6.93 | ||
| P/S | 71.18 | ||
| P/FCF | 241.11 | ||
| P/OCF | 225.19 | ||
| P/B | 26.78 | ||
| P/tB | 27.07 | ||
| EV/EBITDA | N/A |
EPS(TTM)2.33
EY9.11%
EPS(NY)3.69
Fwd EY14.44%
FCF(TTM)0.11
FCFY0.41%
OCF(TTM)0.11
OCFY0.44%
SpS0.36
BVpS0.96
TBVpS0.95
PEG (NY)0.52
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
WACC8.62%
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 10.98 and the Price/Book (PB) ratio is 26.78.
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%.