BEACON FINANCIAL CORP (BBT) Fundamental Analysis & Valuation

NYSE:BBT • US0846801076

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This BBT fundamental analysis includes valuation metrics, fair value assessment, financial health analysis, profitability trends, growth metrics and dividend sustainability analysis.

2

1. BBT Profitability Analysis

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 each of the past 5 years.
  • Each year in the past 5 years BBT had a positive operating cash flow.
BBT Yearly Net Income VS EBIT VS OCF VS FCFBBT Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 200M -200M -400M

1.2 Ratios

  • BBT has a Return On Assets of 0.45%. This is amonst the worse of the industry: BBT underperforms 83.68% of its industry peers.
  • With a Return On Equity value of 4.22%, BBT is not doing good in the industry: 84.74% of the companies in the same industry are doing better.
Industry RankSector Rank
ROA 0.45%
ROE 4.22%
ROIC N/A
ROA(3y)0.5%
ROA(5y)0.67%
ROE(3y)5.46%
ROE(5y)7.22%
ROIC(3y)N/A
ROIC(5y)N/A
BBT Yearly ROA, ROE, ROICBBT Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 10 -10 -20 -30 -40

1.3 Margins

  • With a Profit Margin value of 17.81%, BBT is not doing good in the industry: 76.05% of the companies in the same industry are doing better.
  • In the last couple of years the Profit Margin of BBT has declined.
  • BBT does not have Operating Margin and Gross Margin available, so we won't be analyzing them here.
Industry RankSector Rank
OM N/A
PM (TTM) 17.81%
GM N/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y-9.97%
PM growth 5YN/A
GM growth 3YN/A
GM growth 5YN/A
BBT Yearly Profit, Operating, Gross MarginsBBT Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 -50 -100

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3

2. BBT Health Analysis

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
  • BBT has more shares outstanding than it did 5 years ago.
  • The debt/assets ratio for BBT is higher compared to a year ago.
BBT Yearly Shares OutstandingBBT Yearly Shares OutstandingYearly Shares Outstanding 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 20M 40M 60M 80M
BBT Yearly Total Debt VS Total AssetsBBT Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 5B 10B 15B 20B

2.2 Solvency

  • The Debt to FCF ratio of BBT is 1.10, which is an excellent value as it means it would take BBT, only 1.10 years of fcf income to pay off all of its debts.
  • Looking at the Debt to FCF ratio, with a value of 1.10, BBT is in the better half of the industry, outperforming 66.58% of the companies in the same industry.
  • A Debt/Equity ratio of 0.09 indicates that BBT is not too dependend on debt financing.
  • BBT's Debt to Equity ratio of 0.09 is fine compared to the rest of the industry. BBT outperforms 69.21% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.09
Debt/FCF 1.1
Altman-Z N/A
ROIC/WACCN/A
WACC9.48%
BBT Yearly LT Debt VS Equity VS FCFBBT Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 500M 1B 1.5B 2B

2.3 Liquidity

Industry RankSector Rank
Current Ratio N/A
Quick Ratio N/A
BBT Yearly Current Assets VS Current LiabilitesBBT Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2016 2019 2020 2021 2022 2023 2024 2025 100M 200M 300M

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WACCDebt/EquityHow to determine the health of a companyAltman-Z scoreShow peers with great health

8

3. BBT Growth Analysis

3.1 Past

  • BBT shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 13.51%, which is quite good.
  • The Earnings Per Share has been growing by 25.17% on average over the past years. This is a very strong growth
  • BBT shows a strong growth in Revenue. In the last year, the Revenue has grown by 47.74%.
  • The Revenue has been growing slightly by 7.62% on average over the past years.
EPS 1Y (TTM)13.51%
EPS 3Y7.47%
EPS 5Y25.17%
EPS Q2Q%31.67%
Revenue 1Y (TTM)47.74%
Revenue growth 3Y10.18%
Revenue growth 5Y7.62%
Sales Q2Q%104.81%

3.2 Future

  • The Earnings Per Share is expected to grow by 24.90% on average over the next years. This is a very strong growth
  • The Revenue is expected to grow by 30.69% on average over the next years. This is a very strong growth
EPS Next Y45.52%
EPS Next 2Y24.9%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year63.75%
Revenue Next 2Y30.69%
Revenue Next 3YN/A
Revenue Next 5YN/A

3.3 Evolution

  • The EPS growth rate is stable: in the next years the growth will be about the same than in the last years.
  • The Revenue growth rate is accelerating: in the next years the growth will be better than in the last years.
BBT Yearly Revenue VS EstimatesBBT Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 200M 400M 600M 800M
BBT Yearly EPS VS EstimatesBBT Yearly EPS VS EstimatesYearly EPS VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 0 -5 -10

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5

4. BBT Valuation Analysis

4.1 Price/Earnings Ratio

  • A Price/Earnings ratio of 12.00 indicates a correct valuation of BBT.
  • The rest of the industry has a similar Price/Earnings ratio as BBT.
  • BBT's Price/Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 25.60.
  • With a Price/Forward Earnings ratio of 8.25, the valuation of BBT can be described as very reasonable.
  • BBT's Price/Forward Earnings ratio is rather cheap when compared to the industry. BBT is cheaper than 87.89% of the companies in the same industry.
  • The average S&P500 Price/Forward Earnings ratio is at 22.84. BBT is valued rather cheaply when compared to this.
Industry RankSector Rank
PE 12
Fwd PE 8.25
BBT Price Earnings VS Forward Price EarningsBBT Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 5 10 15 20 25

4.2 Price Multiples

  • BBT's Price/Free Cash Flow ratio is rather expensive when compared to the industry. BBT is more expensive than 85.00% of the companies in the same industry.
Industry RankSector Rank
P/FCF 178.11
EV/EBITDA N/A
BBT Per share dataBBT EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 1 2 3

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.
  • A more expensive valuation may be justified as BBT's earnings are expected to grow with 24.90% in the coming years.
PEG (NY)0.26
PEG (5Y)0.48
EPS Next 2Y24.9%
EPS Next 3YN/A

More info and screens

Price/EarningsPrice/FCFFCF per shareEV/EBITDAPEG RATIOShow best valued peers

7

5. BBT Dividend Analysis

5.1 Amount

  • BBT has a Yearly Dividend Yield of 4.41%, which is a nice return.
  • Compared to an average industry Dividend Yield of 2.66, BBT pays a better dividend. On top of this BBT pays more dividend than 88.16% of the companies listed in the same industry.
  • Compared to an average S&P500 Dividend Yield of 1.88, BBT pays a better dividend.
Industry RankSector Rank
Dividend Yield 4.41%

5.2 History

  • The dividend of BBT has a limited annual growth rate of 5.95%.
  • BBT has paid a dividend for at least 10 years, which is a reliable track record.
Dividend Growth(5Y)5.95%
Div Incr YearsN/A
Div Non Decr YearsN/A
BBT Yearly Dividends per shareBBT Yearly Dividends per shareYearly Dividends per share 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 0.5 1 1.5

5.3 Sustainability

  • 59.98% of the earnings are spent on dividend by BBT. This is a bit on the high side, but may be sustainable.
  • The dividend of BBT is growing, but earnings are growing more, so the dividend growth is sustainable.
DP59.98%
EPS Next 2Y24.9%
EPS Next 3YN/A
BBT Yearly Income VS Free CF VS DividendBBT Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 200M -200M -400M
BBT Dividend Payout.BBT Dividend Payout, showing the Payout Ratio.BBT Dividend Payout.PayoutRetained Earnings

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BBT Fundamentals: All Metrics, Ratios and Statistics

BEACON FINANCIAL CORP

NYSE:BBT (4/2/2026, 8:09:18 PM)

After market: 30.25 0 (0%)

30.25

0 (0%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)01-28
Earnings (Next)04-16
Inst Owners92.81%
Inst Owner Change0%
Ins Owners1.2%
Ins Owner Change-0.89%
Market Cap37.79B
Revenue(TTM)590.97M
Net Income(TTM)105.23M
Analysts78.18
Price Target35.26 (16.56%)
Short Float %5.08%
Short Ratio4.85
Dividend
Industry RankSector Rank
Dividend Yield 4.41%
Yearly Dividend0.97
Dividend Growth(5Y)5.95%
DP59.98%
Div Incr YearsN/A
Div Non Decr YearsN/A
Ex-Date02-13
Surprises & Revisions
EPS beat(2)0
Avg EPS beat(2)-25.95%
Min EPS beat(2)-50.49%
Max EPS beat(2)-1.4%
EPS beat(4)2
Avg EPS beat(4)-6.3%
Min EPS beat(4)-50.49%
Max EPS beat(4)15.14%
EPS beat(8)6
Avg EPS beat(8)-0.33%
EPS beat(12)7
Avg EPS beat(12)-0.63%
EPS beat(16)10
Avg EPS beat(16)-1.15%
Revenue beat(2)1
Avg Revenue beat(2)1.78%
Min Revenue beat(2)-0.62%
Max Revenue beat(2)4.18%
Revenue beat(4)1
Avg Revenue beat(4)-0.02%
Min Revenue beat(4)-2.08%
Max Revenue beat(4)4.18%
Revenue beat(8)4
Avg Revenue beat(8)5.37%
Revenue beat(12)7
Avg Revenue beat(12)5.28%
Revenue beat(16)11
Avg Revenue beat(16)10.3%
PT rev (1m)0%
PT rev (3m)11.52%
EPS NQ rev (1m)-0.17%
EPS NQ rev (3m)2%
EPS NY rev (1m)0.66%
EPS NY rev (3m)0.31%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)-2.74%
Revenue NY rev (1m)0%
Revenue NY rev (3m)-2.78%
Valuation
Industry RankSector Rank
PE 12
Fwd PE 8.25
P/S 63.94
P/FCF 178.11
P/OCF 168.36
P/B 15.14
P/tB 19.33
EV/EBITDA N/A
EPS(TTM)2.52
EY8.33%
EPS(NY)3.67
Fwd EY12.12%
FCF(TTM)0.17
FCFY0.56%
OCF(TTM)0.18
OCFY0.59%
SpS0.47
BVpS2
TBVpS1.56
PEG (NY)0.26
PEG (5Y)0.48
Graham Number10.64
Profitability
Industry RankSector Rank
ROA 0.45%
ROE 4.22%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) 17.81%
GM N/A
FCFM 35.9%
ROA(3y)0.5%
ROA(5y)0.67%
ROE(3y)5.46%
ROE(5y)7.22%
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-9.97%
PM growth 5YN/A
GM growth 3YN/A
GM growth 5YN/A
F-Score5
Asset Turnover0.03
Health
Industry RankSector Rank
Debt/Equity 0.09
Debt/FCF 1.1
Debt/EBITDA N/A
Cap/Depr 49.59%
Cap/Sales 2.08%
Interest Coverage N/A
Cash Conversion N/A
Profit Quality 201.61%
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score5
WACC9.48%
ROIC/WACCN/A
Cap/Depr(3y)34.25%
Cap/Depr(5y)24.56%
Cap/Sales(3y)1.32%
Cap/Sales(5y)0.94%
Profit Quality(3y)211.26%
Profit Quality(5y)170.58%
High Growth Momentum
Growth
EPS 1Y (TTM)13.51%
EPS 3Y7.47%
EPS 5Y25.17%
EPS Q2Q%31.67%
EPS Next Y45.52%
EPS Next 2Y24.9%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)47.74%
Revenue growth 3Y10.18%
Revenue growth 5Y7.62%
Sales Q2Q%104.81%
Revenue Next Year63.75%
Revenue Next 2Y30.69%
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 1Y75.86%
FCF growth 3Y20.35%
FCF growth 5Y-0.76%
OCF growth 1Y79.26%
OCF growth 3Y22.13%
OCF growth 5Y-0.28%

BEACON FINANCIAL CORP / BBT Fundamental Analysis FAQ

What is the fundamental rating for BBT stock?

ChartMill assigns a fundamental rating of 4 / 10 to BBT.


Can you provide the valuation status for BEACON FINANCIAL CORP?

ChartMill assigns a valuation rating of 5 / 10 to BEACON FINANCIAL CORP (BBT). This can be considered as Fairly Valued.


Can you provide the profitability details for BEACON FINANCIAL CORP?

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 12 and the Price/Book (PB) ratio is 15.14.


Can you provide the financial health for BBT stock?

The financial health rating of BEACON FINANCIAL CORP (BBT) is 3 / 10.