BBT Fundamental Analysis - BEACON FINANCIAL CORP

Fundamental Rating

BBT gets a fundamental rating of 4 out of 10. The analysis compared the fundamentals against 391 industry peers in the Banks industry. BBT may be in some trouble as it scores bad on both profitability and health. BBT is not priced too expensively while it is growing strongly. Keep and eye on this one!

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1. Profitability

1.1 Basic Checks

In the past year BBT was profitable.

In the past year BBT had a positive cash flow from operations.

BBT had positive earnings in 4 of the past 5 years.

Each year in the past 5 years BBT had a positive operating cash flow.

1.2 Ratios

Looking at the Return On Assets, with a value of 0.94%, BBT is in line with its industry, outperforming 57.80% of the companies in the same 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 55.24% of its industry peers.

BBT's Profit Margin has declined in the last couple of years.

The Operating Margin and Gross Margin are not available for BBT so they could not be analyzed.

		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

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ROA

ROE

ROIC

Operating and Profit Margin

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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 72.12% of its industry peers.

A Debt/Equity ratio of 0.10 indicates that BBT is not too dependend on debt financing.

The Debt to Equity ratio of BBT (0.10) is better than 69.57% of its industry peers.

		Industry Rank	Sector Rank
Debt/Equity	0.1
Debt/FCF	0.9
Altman-Z	N/A

ROIC/WACCN/A

WACC8.65%

2.3 Liquidity

		Industry Rank	Sector Rank
Current Ratio	N/A
Quick Ratio	N/A

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WACC

Debt/Equity

How to determine the health of a company

Altman-Z score

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3. Growth

3.1 Past

BBT shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 21.08%, which is quite impressive.

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 30.64%.

The Revenue has been decreasing by -2.30% on average over the past years.

EPS 1Y (TTM)21.08%

EPS 3Y-2.83%

EPS 5Y-1.63%

EPS Q2Q%25.45%

Revenue 1Y (TTM)30.64%

Revenue growth 3Y-2.71%

Revenue growth 5Y-2.3%

Sales Q2Q%-15.41%

3.2 Future

BBT is expected to show a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 29.87% yearly.

Based on estimates for the next years, BBT will show a very strong growth in Revenue. The Revenue will grow by 54.27% on average per year.

EPS Next Y32.85%

EPS Next 2Y29.87%

EPS Next 3YN/A

EPS Next 5YN/A

Revenue Next Year47.57%

Revenue Next 2Y54.27%

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.

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4. Valuation

4.1 Price/Earnings Ratio

Based on the Price/Earnings ratio of 9.42, the valuation of BBT can be described as reasonable.

Based on the Price/Earnings ratio, BBT is valued cheaply inside the industry as 80.05% of the companies are valued more expensively.

When comparing the Price/Earnings ratio of BBT to the average of the S&P500 Index (27.29), we can say BBT is valued rather cheaply.

The Price/Forward Earnings ratio is 6.21, which indicates a rather cheap valuation of BBT.

93.09% of the companies in the same industry are more expensive than BBT, based on the Price/Forward Earnings ratio.

BBT is valuated cheaply when we compare the Price/Forward Earnings ratio to 22.85, which is the current average of the S&P500 Index.

		Industry Rank	Sector Rank
PE	9.42
Fwd PE	6.21

4.2 Price Multiples

83.63% of the companies in the same industry are cheaper than BBT, based on the Price/Free Cash Flow ratio.

		Industry Rank	Sector Rank
P/FCF	221
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 29.87% in the coming years. This may justify a more expensive valuation.

PEG (NY)0.29

PEG (5Y)N/A

EPS Next 2Y29.87%

EPS Next 3YN/A

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5. Dividend

5.1 Amount

BBT has a Yearly Dividend Yield of 2.89%. Purely for dividend investing, there may be better candidates out there.

BBT's Dividend Yield is comparable with the industry average which is at 3.56.

BBT's Dividend Yield is a higher than the S&P500 average which is at 2.38.

		Industry Rank	Sector Rank
Dividend Yield	2.89%

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

BBT pays out 28.33% of its income as dividend. This is a sustainable payout ratio.

DP28.33%

EPS Next 2Y29.87%

EPS Next 3YN/A

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BEACON FINANCIAL CORP

NYSE:BBT (10/16/2025, 8:04:00 PM)

After market: 23.4 +0.13 (+0.56%)

23.27

-1.65 (-6.62%)

Chartmill FA Rating

GICS SectorFinancials

GICS IndustryGroupBanks

GICS IndustryBanks

Earnings (Last)10-16 2025-10-16/bmo

Earnings (Next)01-28 2026-01-28/bmo

Inst Owners54.22%

Inst Owner Change0%

Ins Owners1.18%

Ins Owner Change4.17%

Market Cap30.01B

Analysts74

Price Target33.15 (42.46%)

Short Float %2.59%

Short Ratio1.95

Dividend

		Industry Rank	Sector Rank
Dividend Yield	2.89%

Yearly Dividend0.69

Dividend Growth(5Y)-6.24%

DP28.33%

Div Incr YearsN/A

Div Non Decr YearsN/A

Ex-Date08-14 2025-08-14 (0.18)

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)N/A

PT rev (3m)N/A

EPS NQ rev (1m)N/A

EPS NQ rev (3m)N/A

EPS NY rev (1m)N/A

EPS NY rev (3m)N/A

Revenue NQ rev (1m)N/A

Revenue NQ rev (3m)N/A

Revenue NY rev (1m)N/A

Revenue NY rev (3m)N/A

Valuation

		Industry Rank	Sector Rank
PE	9.42
Fwd PE	6.21
P/S	65.24
P/FCF	221
P/OCF	206.4
P/B	24.55
P/tB	24.81
EV/EBITDA	N/A

EPS(TTM)2.47

EY10.61%

EPS(NY)3.74

Fwd EY16.09%

FCF(TTM)0.11

FCFY0.45%

OCF(TTM)0.11

OCFY0.48%

SpS0.36

BVpS0.95

TBVpS0.94

PEG (NY)0.29

PEG (5Y)N/A

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

ROICexcg growth 3YN/A

ROICexcg 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

WACC8.65%

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)21.08%

EPS 3Y-2.83%

EPS 5Y-1.63%

EPS Q2Q%25.45%

EPS Next Y32.85%

EPS Next 2Y29.87%

EPS Next 3YN/A

EPS Next 5YN/A

Revenue 1Y (TTM)30.64%

Revenue growth 3Y-2.71%

Revenue growth 5Y-2.3%

Sales Q2Q%-15.41%

Revenue Next Year47.57%

Revenue Next 2Y54.27%

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) Stock Fundamental Analysis

1. Profitability

1.1 Basic Checks

1.2 Ratios

1.3 Margins

More info and screens

2. Health

2.1 Basic Checks

2.2 Solvency

2.3 Liquidity

More info and screens

3. Growth

3.1 Past

3.2 Future

3.3 Evolution

More info and screens

4. Valuation

4.1 Price/Earnings Ratio

4.2 Price Multiples

4.3 Compensation for Growth

More info and screens

5. Dividend

5.1 Amount

5.2 History

5.3 Sustainability

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