BEACON FINANCIAL CORP (BBT) Fundamental Analysis & Valuation

NYSE:BBT • US0846801076

28.98 USD
-0.64 (-2.16%)
At close: Mar 6, 2026
28.98 USD
0 (0%)
After Hours: 3/6/2026, 8:04:00 PM
Overview Stock Chart Technical Analysis Fundamental Analysis Forecast Earnings Financials Ownership News

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

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 may be in some trouble as it scores bad on both profitability and health. BBT is growing strongly while it is still valued neutral. This is a good combination!


Dividend Valuation Growth Profitability Health

2

1. BBT Profitability Analysis

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

  • BBT has a worse Return On Assets (0.11%) than 89.45% of its industry peers.
  • The Return On Equity of BBT (1.06%) is worse than 89.45% 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

  • With a Profit Margin value of 5.32%, BBT is not doing good in the industry: 88.65% of the companies in the same industry are doing better.
  • 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 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

2

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.
  • 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

  • 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.
  • Looking at the Debt to FCF ratio, with a value of 2.79, BBT is in line with its industry, outperforming 40.11% of the companies in the same industry.
  • A Debt/Equity ratio of 0.10 indicates that BBT is not too dependend on debt financing.
  • BBT's Debt to Equity ratio of 0.10 is fine compared to the rest of the industry. BBT outperforms 68.60% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.1
Debt/FCF 2.79
Altman-Z N/A
ROIC/WACCN/A
WACC8.75%
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

  • The Earnings Per Share has grown by an nice 13.51% over the past year.
  • Measured over the past years, BBT shows a very strong growth in Earnings Per Share. The EPS has been growing by 25.17% on average per year.
  • BBT shows a strong growth in Revenue. In the last year, 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.
  • BBT is expected to show a strong growth in Revenue. In the coming years, the Revenue will grow by 30.69% yearly.
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.
  • 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.
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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6

4. BBT Valuation Analysis

4.1 Price/Earnings Ratio

  • With a Price/Earnings ratio of 11.50, the valuation of BBT can be described as very reasonable.
  • BBT's Price/Earnings ratio is in line with the industry average.
  • Compared to an average S&P500 Price/Earnings ratio of 26.29, BBT is valued rather cheaply.
  • The Price/Forward Earnings ratio is 7.95, which indicates a rather cheap valuation of BBT.
  • Based on the Price/Forward Earnings ratio, BBT is valued cheaply inside the industry as 87.86% of the companies are valued more expensively.
  • The average S&P500 Price/Forward Earnings ratio is at 24.57. BBT is valued rather cheaply when compared to this.
Industry RankSector Rank
PE 11.5
Fwd PE 7.95
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 84.43% of the companies in the same industry.
Industry RankSector Rank
P/FCF 426.85
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 25.14% in the coming years.
PEG (NY)0.26
PEG (5Y)0.46
EPS Next 2Y25.14%
EPS Next 3YN/A

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

5

5. BBT Dividend Analysis

5.1 Amount

  • With a Yearly Dividend Yield of 4.15%, BBT is a good candidate for dividend investing.
  • BBT's Dividend Yield is rather good when compared to the industry average which is at 2.73. BBT pays more dividend than 84.17% of the companies in the same industry.
  • Compared to an average S&P500 Dividend Yield of 1.82, BBT pays a better dividend.
Industry RankSector Rank
Dividend Yield 4.15%

5.2 History

  • The dividend of BBT decreases each year by -6.24%.
  • BBT has been paying a dividend for at least 10 years, so it has 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

  • 202.25% of the earnings are spent on dividend by BBT. 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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BBT Fundamentals: All Metrics, Ratios and Statistics

BEACON FINANCIAL CORP

NYSE:BBT (3/6/2026, 8:04:00 PM)

After market: 28.98 0 (0%)

28.98

-0.64 (-2.16%)

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 Change1.19%
Market Cap36.59B
Revenue(TTM)594.73M
Net Income(TTM)25.50M
Analysts80
Price Target35.26 (21.67%)
Short Float %4.47%
Short Ratio4.55
Dividend
Industry RankSector Rank
Dividend Yield 4.15%
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)10.33%
PT rev (3m)8.04%
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%
Revenue NY rev (1m)-2.78%
Revenue NY rev (3m)1.9%
Valuation
Industry RankSector Rank
PE 11.5
Fwd PE 7.95
P/S 76.34
P/FCF 426.85
P/OCF 390.42
P/B 15.15
P/tB 19.64
EV/EBITDA N/A
EPS(TTM)2.52
EY8.7%
EPS(NY)3.64
Fwd EY12.57%
FCF(TTM)0.07
FCFY0.23%
OCF(TTM)0.07
OCFY0.26%
SpS0.38
BVpS1.91
TBVpS1.48
PEG (NY)0.26
PEG (5Y)0.46
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
WACC8.75%
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 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 44.57% 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%.