BBT Fundamental Analysis - BEACON FINANCIAL CORP

Fundamental Rating

Taking everything into account, BBT scores 4 out of 10 in our fundamental rating. BBT was compared to 392 industry peers in the Banks industry. Both the profitability and financial health of BBT have multiple concerns. BBT is growing strongly while it is still valued neutral. This is a good combination!

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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.

In the past 5 years BBT always reported a positive cash flow from operatings.

1.2 Ratios

BBT has a Return On Assets (0.94%) which is in line with its industry peers.

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

With a Profit Margin value of 24.62%, BBT perfoms like the industry average, outperforming 54.85% of the companies in the same 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

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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.

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

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 better Debt to FCF ratio (0.90) than 73.21% 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 69.39% of its industry peers.

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

ROIC/WACCN/A

WACC8.75%

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

The Earnings Per Share has grown by an impressive 21.08% over the past year.

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%.

BBT shows a decrease in Revenue. Measured over the last years, the Revenue has been decreasing by -2.30% yearly.

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

Based on estimates for the next years, BBT will show a very strong growth in Earnings Per Share. The EPS will grow by 29.45% on average per year.

The Revenue is expected to grow by 57.68% on average over the next years. This is a very strong growth

EPS Next Y22.38%

EPS Next 2Y29.45%

EPS Next 3YN/A

EPS Next 5YN/A

Revenue Next Year43.2%

Revenue Next 2Y57.68%

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

BBT is valuated reasonably with a Price/Earnings ratio of 10.06.

BBT's Price/Earnings ratio is rather cheap when compared to the industry. BBT is cheaper than 82.14% of the companies in the same industry.

BBT's Price/Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 27.41.

BBT is valuated cheaply with a Price/Forward Earnings ratio of 6.68.

92.86% of the companies in the same industry are more expensive than BBT, based on the Price/Forward Earnings ratio.

Compared to an average S&P500 Price/Forward Earnings ratio of 22.87, BBT is valued rather cheaply.

		Industry Rank	Sector Rank
PE	10.06
Fwd PE	6.68

4.2 Price Multiples

Based on the Price/Free Cash Flow ratio, BBT is valued more expensive than 82.14% of the companies in the same industry.

		Industry Rank	Sector Rank
P/FCF	235.91
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 29.45% in the coming years. This may justify a more expensive valuation.

PEG (NY)0.45

PEG (5Y)N/A

EPS Next 2Y29.45%

EPS Next 3YN/A

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5. Dividend

5.1 Amount

With a Yearly Dividend Yield of 2.78%, BBT has a reasonable but not impressive dividend return.

Compared to an average industry Dividend Yield of 3.47, BBT has a dividend in line with its industry peers.

Compared to an average S&P500 Dividend Yield of 2.38, BBT has a dividend comparable with the average S&P500 company.

		Industry Rank	Sector Rank
Dividend Yield	2.78%

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 2Y29.45%

EPS Next 3YN/A

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BEACON FINANCIAL CORP

NYSE:BBT (9/23/2025, 4:15:00 PM)

After market: 24.84 0 (0%)

24.84

-0.18 (-0.72%)

Chartmill FA Rating

GICS SectorFinancials

GICS IndustryGroupBanks

GICS IndustryBanks

Earnings (Last)07-24 2025-07-24/bmo

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

Inst Owners95.14%

Inst Owner Change0%

Ins Owners0.87%

Ins Owner Change2.12%

Market Cap32.03B

Analysts74

Price Target33.15 (33.45%)

Short Float %N/A

Short RatioN/A

Dividend

		Industry Rank	Sector Rank
Dividend Yield	2.78%

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	10.06
Fwd PE	6.68
P/S	69.64
P/FCF	235.91
P/OCF	220.33
P/B	26.2
P/tB	26.48
EV/EBITDA	N/A

EPS(TTM)2.47

EY9.94%

EPS(NY)3.72

Fwd EY14.98%

FCF(TTM)0.11

FCFY0.42%

OCF(TTM)0.11

OCFY0.45%

SpS0.36

BVpS0.95

TBVpS0.94

PEG (NY)0.45

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

WACC8.75%

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 Y22.38%

EPS Next 2Y29.45%

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 Year43.2%

Revenue Next 2Y57.68%

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

More info and screens