Taking everything into account, BBT scores 3 out of 10 in our fundamental rating. BBT was compared to 383 industry peers in the Banks industry. BBT may be in some trouble as it scores bad on both profitability and health. BBT has a correct valuation and a medium growth rate.

Quickly go to:

1. Profitability

2. Health

3. Growth

4. Valuation

5. Dividend

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.
Of the past 5 years BBT 4 years had a positive operating cash flow.

1.2 Ratios

BBT's Return On Assets of 0.11% is on the low side compared to the rest of the industry. BBT is outperformed by 88.51% of its industry peers.
Looking at the Return On Equity, with a value of 1.06%, BBT is doing worse than 88.51% of the companies in the same industry.

		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: 87.73% 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 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

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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.
There is no outstanding debt for BBT. This means it has a Debt/Equity and Debt/FCF ratio of 0 and it is amongst the best of the sector and industry.

2.2 Solvency

The Debt to FCF ratio of BBT is 2.79, which is a good value as it means it would take BBT, 2.79 years of fcf income to pay off all of its debts.
BBT has a Debt to FCF ratio of 2.79. This is in the lower half of the industry: BBT underperforms 60.84% 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 68.93% of its industry peers.

		Industry Rank	Sector Rank
Debt/Equity	0.1
Debt/FCF	2.79
Altman-Z	N/A

ROIC/WACCN/A

WACC8.84%

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 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

EPS 1Y (TTM)13.51%

EPS 3Y7.47%

EPS 5Y25.17%

EPS Q2Q%31.67%

Revenue 1Y (TTM)N/A

Revenue growth 3YN/A

Revenue growth 5YN/A

Sales Q2Q%104.81%

3.2 Future

The Earnings Per Share is expected to grow by 24.76% on average over the next years. This is a very strong growth
Based on estimates for the next years, BBT will show a very strong growth in Revenue. The Revenue will grow by 32.45% on average per year.

EPS Next Y44.73%

EPS Next 2Y24.76%

EPS Next 3YN/A

EPS Next 5YN/A

Revenue Next Year68.43%

Revenue Next 2Y32.45%

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.

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4. Valuation

4.1 Price/Earnings Ratio

A Price/Earnings ratio of 11.25 indicates a reasonable valuation of BBT.
63.45% of the companies in the same industry are more expensive than BBT, based on the Price/Earnings ratio.
BBT's Price/Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 28.30.
With a Price/Forward Earnings ratio of 7.77, 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 91.12% of the companies are valued more expensively.
When comparing the Price/Forward Earnings ratio of BBT to the average of the S&P500 Index (25.57), we can say BBT is valued rather cheaply.

		Industry Rank	Sector Rank
PE	11.25
Fwd PE	7.77

4.2 Price Multiples

Compared to the rest of the industry, the Price/Free Cash Flow ratio of BBT indicates a rather expensive valuation: BBT more expensive than 84.07% of the companies listed in the same industry.

		Industry Rank	Sector Rank
P/FCF	423.12
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 24.76% in the coming years. This may justify a more expensive valuation.

PEG (NY)0.25

PEG (5Y)0.45

EPS Next 2Y24.76%

EPS Next 3YN/A

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5. Dividend

5.1 Amount

With a Yearly Dividend Yield of 4.58%, BBT is a good candidate for dividend investing.
BBT's Dividend Yield is rather good when compared to the industry average which is at 2.70. BBT pays more dividend than 88.77% of the companies in the same industry.
Compared to an average S&P500 Dividend Yield of 1.82, BBT pays a better dividend.

		Industry Rank	Sector Rank
Dividend Yield	4.58%

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 202.25% of its income as dividend. This is not a sustainable payout ratio.

DP202.25%

EPS Next 2Y24.76%

EPS Next 3YN/A

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BEACON FINANCIAL CORP / BBT FAQ

What is the fundamental rating for BBT stock?

ChartMill assigns a fundamental rating of 3 / 10 to BBT.

Can you provide the valuation status for BEACON FINANCIAL CORP?

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 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 44.73% 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%.