BEACON FINANCIAL CORP (BBT) Stock Fundamental Analysis

NYSE:BBT • US0846801076

30.8 USD
+0.14 (+0.46%)
Last: Feb 24, 2026, 01:53 PM
Overview Stock Chart Technical Analysis Fundamental Analysis Analyst Ratings Earnings Estimates Financials Ownership News
Fundamental Rating

4

We assign a fundamental rating of 4 out of 10 to BBT. BBT was compared to 379 industry peers in the Banks industry. BBT has a bad profitability rating. Also its financial health evaluation is rather negative. BBT is not priced too expensively while it is growing strongly. Keep and eye on this one!


Dividend Valuation Growth Profitability Health

2

1. Profitability

1.1 Basic Checks

  • In the past year BBT was profitable.
  • BBT had a positive operating cash flow in the past year.
  • Each year in the past 5 years BBT has been profitable.
  • Of the past 5 years BBT 4 years 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

  • With a Return On Assets value of 0.11%, BBT is not doing good in the industry: 88.65% of the companies in the same industry are doing better.
  • The Return On Equity of BBT (1.06%) is worse than 88.65% of its industry peers.
Industry RankSector Rank
ROA 0.11%
ROE 1.06%
ROIC N/A
ROA(3y)0.48%
ROA(5y)0.65%
ROE(3y)5.24%
ROE(5y)7.09%
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

  • BBT has a Profit Margin of 5.32%. This is amonst the worse of the industry: BBT underperforms 87.86% of its industry peers.
  • 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) 5.32%
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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ROAROEROICOperating and Profit MarginShow most profitable peers

1

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 increased compared to 5 years ago.
  • Compared to 1 year ago, BBT has a worse debt to assets ratio.
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

  • 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.
  • The Debt to FCF ratio of BBT (2.79) is worse than 60.16% of its industry peers.
  • A Debt/Equity ratio of 0.10 indicates that BBT is not too dependend on debt financing.
  • BBT has a better Debt to Equity ratio (0.10) than 68.60% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.1
Debt/FCF 2.79
Altman-Z N/A
ROIC/WACCN/A
WACC8.69%
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. Growth

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
  • Looking at the last year, BBT shows a very strong growth in Revenue. The Revenue has grown by 48.68%.
  • BBT shows a small growth in Revenue. Measured over the last years, the Revenue has been growing by 7.62% yearly.
EPS 1Y (TTM)13.51%
EPS 3Y7.47%
EPS 5Y25.17%
EPS Q2Q%31.67%
Revenue 1Y (TTM)48.68%
Revenue growth 3Y10.18%
Revenue growth 5Y7.62%
Sales Q2Q%104.81%

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 25.14% on average per year.
  • The Revenue is expected to grow by 30.69% on average over the next years. This is a very strong growth
EPS Next Y44.57%
EPS Next 2Y25.14%
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

  • When comparing the EPS growth rate of the last years to the growth rate of the upcoming years, we see that the growth is stable.
  • 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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Find the best growth stocksShow best growing peers

5

4. Valuation

4.1 Price/Earnings Ratio

  • Based on the Price/Earnings ratio of 12.22, the valuation of BBT can be described as correct.
  • The rest of the industry has a similar Price/Earnings ratio as BBT.
  • Compared to an average S&P500 Price/Earnings ratio of 26.64, BBT is valued rather cheaply.
  • The Price/Forward Earnings ratio is 8.45, which indicates a very decent valuation of BBT.
  • BBT's Price/Forward Earnings ratio is rather cheap when compared to the industry. BBT is cheaper than 86.81% 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 27.75.
Industry RankSector Rank
PE 12.22
Fwd PE 8.45
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 84.70% of the companies in the same industry.
Industry RankSector Rank
P/FCF 453.66
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

  • 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 25.14% in the coming years. This may justify a more expensive valuation.
PEG (NY)0.27
PEG (5Y)0.49
EPS Next 2Y25.14%
EPS Next 3YN/A

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

5

5. Dividend

5.1 Amount

  • BBT has a Yearly Dividend Yield of 4.18%, which is a nice return.
  • Compared to an average industry Dividend Yield of 2.74, BBT pays a better dividend. On top of this BBT pays more dividend than 83.91% 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 1.80.
Industry RankSector Rank
Dividend Yield 4.18%

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
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

  • BBT pays out 202.25% of its income as dividend. This is not a sustainable payout ratio.
DP202.25%
EPS Next 2Y25.14%
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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Find the best dividend stocksShow peers with best dividend

BEACON FINANCIAL CORP

NYSE:BBT (2/24/2026, 1:53:48 PM)

30.8

+0.14 (+0.46%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)01-28
Earnings (Next)04-22
Inst Owners88.96%
Inst Owner Change0%
Ins Owners1.24%
Ins Owner Change4.16%
Market Cap38.88B
Revenue(TTM)594.73M
Net Income(TTM)25.50M
Analysts80
Price Target35.02 (13.7%)
Short Float %4.36%
Short Ratio4.32
Dividend
Industry RankSector Rank
Dividend Yield 4.18%
Yearly Dividend0.69
Dividend Growth(5Y)-6.24%
DP202.25%
Div Incr YearsN/A
Div Non Decr YearsN/A
Ex-Date02-13
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)9.57%
PT rev (3m)7.29%
EPS NQ rev (1m)0%
EPS NQ rev (3m)-0.9%
EPS NY rev (1m)-0.11%
EPS NY rev (3m)-1.39%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)0.01%
Revenue NY rev (1m)-2.78%
Revenue NY rev (3m)1.9%
Valuation
Industry RankSector Rank
PE 12.22
Fwd PE 8.45
P/S 81.14
P/FCF 453.66
P/OCF 414.94
P/B 16.1
P/tB 20.87
EV/EBITDA N/A
EPS(TTM)2.52
EY8.18%
EPS(NY)3.64
Fwd EY11.83%
FCF(TTM)0.07
FCFY0.22%
OCF(TTM)0.07
OCFY0.24%
SpS0.38
BVpS1.91
TBVpS1.48
PEG (NY)0.27
PEG (5Y)0.49
Graham Number10.41
Profitability
Industry RankSector 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)0.48%
ROA(5y)0.65%
ROE(3y)5.24%
ROE(5y)7.09%
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-Score4
Asset Turnover0.02
Health
Industry RankSector 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-Score4
WACC8.69%
ROIC/WACCN/A
Cap/Depr(3y)N/A
Cap/Depr(5y)N/A
Cap/Sales(3y)N/A
Cap/Sales(5y)N/A
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)13.51%
EPS 3Y7.47%
EPS 5Y25.17%
EPS Q2Q%31.67%
EPS Next Y44.57%
EPS Next 2Y25.14%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)48.68%
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 1Y-38.3%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y-33.52%
OCF growth 3YN/A
OCF growth 5YN/A

BEACON FINANCIAL CORP / BBT 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.


How profitable is BEACON FINANCIAL CORP (BBT) stock?

BEACON FINANCIAL CORP (BBT) has a profitability rating of 2 / 10.


What is the earnings growth outlook for BEACON FINANCIAL CORP?

The Earnings per Share (EPS) of BEACON FINANCIAL CORP (BBT) is expected to grow by 44.57% in the next year.


Is the dividend of BEACON FINANCIAL CORP sustainable?

The dividend rating of BEACON FINANCIAL CORP (BBT) is 5 / 10 and the dividend payout ratio is 202.25%.