BBT Financial Services

Beacon Financial Corporation

$30.85-2.28%

Price as of close on Nov 3, 2026 · Financials updated Nov 3, 2026

Basics

Sector: Financial Services
Industry: Banks - Regional
Country: United States
Market cap: 2.6B USD
Full-time employees: 1,972

Overall health

Drawback: less profitable than most peersless profitable than peers
Drawback: growing more slowly than most peersgrowing more slowly than peers
About average: valuation

Ranks #716 of 791 banks & insurance companies (bottom 10%)

Based on 3 categories: banks and insurers are not rated on risk.

Scored as a bank or insurer: cash-flow, EBITDA, gross margin and current ratio aren’t scored; they are under “Other data”.

See how it ranks against its peers

Worth knowing

Annual revenue fell three years running. Fiscal-year revenue down each year from 2022 to 2025.
Beacon Financial's fiscal-year revenue declined in each of the three years to 2025.
Revenue is falling. Revenue fell 93% in the 12 months to June 2026 vs the 12 months before.
Beacon Financial's revenue fell 93% in the 12 months to June 2026 vs the 12 months before.

StockQuotient Score

26/ 100

Oct 5 30 → Nov 4 26 (-4)

Valuation

Is the price right?

46/100

Moderate▲ 2 since Oct 27 close

2/2 inputs reported · High confidence

Since last quarter: No major changeValuation also moves with the share price every day.

Why it changed since the Oct 27, 2026 close: Score 44 → 46

Share price +0.5%-1
Company's reported figures updated+4
Peer companies moved-1

Each step re-scores the company against its peers as they were on Oct 28, 2026; the parts add up to the change. Price effects on EBITDA yield are approximate.

Why

Mixed versus peers:

▲ P/B
▼ Earnings yield

Compare with peers

Behind the score

Earnings yield (P/E) and book yield (P/B) versus other banks and insurers.

Book yield101.3%

SEC filings · latest balance sheetReported value40% base weight · Z-score 0.77Sector median: 0.7950 · MAD: 0.2843

Earnings yield6.4%

SEC filings · 12 months to Jun 2026Reported value60% base weight · Z-score -0.60Sector median: 0.0789 · MAD: 0.0253

Other data (not scored)

EBITDA yieldUnavailable

Missing · left out of the scoreInformational · 0% composite weightSector median: 0.1095 · MAD: 0.0527

Free cash flow yield8.8%

SEC filings · 12 months to Jun 2026 · operating cash flow − capital spendingReported valueInformational · 0% composite weightSector median: 0.0796 · MAD: 0.0459

Growth

Is it growing?

12/100

Weak

1/1 inputs reported · High confidence

Since last quarter: ▼ Weaker

12-month revenue fell 93.5%

Why

Weaker than most peers on:

▼ EPS growth

Compare with peers

Behind the score

Earnings-per-share growth versus other banks and insurers.

Earnings per share growth-16.6%

SEC filings · 12 months to Jun 2026Reported value100% base weight · Z-score -1.83Sector median: 0.1599 · MAD: 0.1775

Other data (not scored)

3-year revenue growth-58.3%

SEC filings · 3 years to Jun 2026Outlier capped at sector 5th/95th percentileInformational · 0% composite weightSector median: 0.0826 · MAD: 0.0558

Revenue growth-92.5%

SEC filings · 12 months to Jun 2026Outlier capped at sector 5th/95th percentileInformational · 0% composite weightSector median: 0.0866 · MAD: 0.0782

Profitability

Does it earn well?

21/100

Weak

2/2 inputs reported · High confidence

Since last quarter: No major change

Why

Weaker than most peers on:

▼ ROE
▼ ROA

Compare with peers

Behind the score

Return on equity and return on assets versus other banks and insurers.

Return on assets0.7%

SEC filings · 12 months to Jun 2026Reported value50% base weight · Z-score -0.73Sector median: 0.0117 · MAD: 0.0062

Return on equity6.3%

SEC filings · 12 months to Jun 2026Reported value50% base weight · Z-score -1.15Sector median: 0.1074 · MAD: 0.0388

Other data (not scored)

Gross marginUnavailable

Missing · left out of the scoreInformational · 0% composite weightSector median: Unavailable · MAD: Unavailable

Operating marginUnavailable

Missing · left out of the scoreInformational · 0% composite weightSector median: 0.1450 · MAD: 0.1678

Return on invested capitalUnavailable

Missing · left out of the scoreInformational · 0% composite weightSector median: Unavailable · MAD: Unavailable

Risk

Debt, liquidity, price swings

Not rated

Not rated for banks and insurers: debt and share-price swings say little about their risk. We leave it blank rather than fill the gap with a made-up middle value.

Valuation, growth and profitability scores: higher is better. Risk: 0 is lower, 2 is higher. Risk is a relative proxy, not a bankruptcy probability. Scores depend on available sector peers.

Questions investors ask about Beacon Financial

Is Beacon Financial getting weaker?: Its latest SEC filing (Aug 7, 2026) got weaker in some ways: 12-month revenue fell 93.5%. Its overall score is unchanged at 26/100 since Oct 28, 2026.
How is Beacon Financial valued vs its peers?: Priced about in line with its peers. Valuation scores 46/100 against 950 banks & insurance peers. Book yield 101.3% vs a peer median of 79.5% (stronger than 69% of peers).Book yield 101.3% vs peers 79.5% (stronger than 69% of peers). Earnings yield 6.4% vs a peer median of 7.9% (weaker than 68% of peers).Earnings yield 6.4% vs peers 7.9% (weaker than 68% of peers).
Is Beacon Financial growing?: More slowly than most of its peers. Growth scores 12/100 against 950 banks & insurance peers. Earnings per share growth -16.6% vs a peer median of 16.0% (weaker than 88% of peers).Earnings per share growth -16.6% vs peers 16.0% (weaker than 88% of peers).
How profitable is Beacon Financial?: Less profitable than most of its peers. Profitability scores 21/100 against 950 banks & insurance peers. Return on equity 6.3% vs a peer median of 10.7% (weaker than 79% of peers).Return on equity 6.3% vs peers 10.7% (weaker than 79% of peers).
How risky is Beacon Financial?: Not rated for banks and insurers: debt and share-price swings say little about their risk.

Latest filing: what changed

Quarter ended Dec 31, 2025 · filed Aug 7, 2026 · compared with the quarter ended Jun 30, 2025

Got weaker

12-month revenue fell 93.5%

	Previous quarter	Latest quarter	Change
Revenue (12 months)	459.9M USD	29.9M USD	−93.5%
Net income (12 months)	710,000 USD	159.8M USD	+22405.4%
Free cash flow (12 months)	114.9M USD	220.8M USD	+92.2%
Debt	1.1B USD	888.6M USD	−17.8%
Cash	1.2B USD	1.2B USD	−0.4%
Shares outstanding	83.9M	83.8M	−0.1%

From the company’s own SEC filings, as filed. Twelve-month figures roll forward one quarter at a time.

Industry valuation context

Industry: Banks - Regional · 119 companies

Valuations in Banks - Regional are within their usual range since 2016.

45% of months since 2016 were valued lower than now.
14% of companies are in the most expensive fifth of their own price-to-book history.
Over 24 months, company values +29% and earnings +32% (medians): prices and earnings moved broadly together.
Median price-to-book is −61% vs the whole market, against a usual −59%.

2016Shaded: most expensive fifth of its range2026

Financials

Fiscal years from SEC annual filings · change vs the prior year

Key ratios	FY 2021	FY 2022	FY 2023	FY 2024	FY 2025	Change
Operating margin	32.8%	36.2%	80.0%	94.3%	—	—
Net margin	27.3%	22.4%	18.2%	17.2%	301.4%	▲ 284 pts
Return on assets (ROA)	1.0%	0.8%	0.6%	0.6%	0.4%	▼ 0.2 pts
Return on equity (ROE)	10.0%	9.3%	6.3%	5.6%	3.6%	▼ 2.0 pts
Debt to equity	0.09×	0.13×	0.42×	1.33×	0.32×	▼ 76%
Interest coverage	3.76×	3.50×	1.59×	1.26×	—	—

BBT price history

Price history is added with the daily price update and will appear after the next one.

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Sector leaderboards

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Bringing the fundamentals into focus…

Overall health

Drawback: less profitable than most peersless profitable than peers

Drawback: growing more slowly than most peersgrowing more slowly than peers

About average: valuation

Ranks #716 of 791 banks & insurance companies (bottom 10%)

Based on 3 categories: banks and insurers are not rated on risk.

Scored as a bank or insurer: cash-flow, EBITDA, gross margin and current ratio aren’t scored; they are under “Other data”.

See how it ranks against its peers

Worth knowing

Annual revenue fell three years running. Fiscal-year revenue down each year from 2022 to 2025.

Beacon Financial's fiscal-year revenue declined in each of the three years to 2025.

Revenue is falling. Revenue fell 93% in the 12 months to June 2026 vs the 12 months before.

Beacon Financial's revenue fell 93% in the 12 months to June 2026 vs the 12 months before.

Questions investors ask about Beacon Financial

Is Beacon Financial getting weaker?

Its latest SEC filing (Aug 7, 2026) got weaker in some ways: 12-month revenue fell 93.5%. Its overall score is unchanged at 26/100 since Oct 28, 2026.

How is Beacon Financial valued vs its peers?

Priced about in line with its peers. Valuation scores 46/100 against 950 banks & insurance peers. Book yield 101.3% vs a peer median of 79.5% (stronger than 69% of peers).Book yield 101.3% vs peers 79.5% (stronger than 69% of peers). Earnings yield 6.4% vs a peer median of 7.9% (weaker than 68% of peers).Earnings yield 6.4% vs peers 7.9% (weaker than 68% of peers).

Is Beacon Financial growing?

More slowly than most of its peers. Growth scores 12/100 against 950 banks & insurance peers. Earnings per share growth -16.6% vs a peer median of 16.0% (weaker than 88% of peers).Earnings per share growth -16.6% vs peers 16.0% (weaker than 88% of peers).

How profitable is Beacon Financial?

Less profitable than most of its peers. Profitability scores 21/100 against 950 banks & insurance peers. Return on equity 6.3% vs a peer median of 10.7% (weaker than 79% of peers).Return on equity 6.3% vs peers 10.7% (weaker than 79% of peers).

How risky is Beacon Financial?

Not rated for banks and insurers: debt and share-price swings say little about their risk.

Previous quarter

Latest quarter

Change

Revenue (12 months)

459.9M USD

29.9M USD

−93.5%

Net income (12 months)

710,000 USD

159.8M USD

+22405.4%

Free cash flow (12 months)

114.9M USD

220.8M USD

+92.2%

Debt

1.1B USD

888.6M USD

−17.8%

Cash

1.2B USD

1.2B USD

−0.4%

Shares outstanding

83.9M

83.8M

−0.1%

Key ratios

FY 2021

FY 2022

FY 2023

FY 2024

FY 2025

Change

Operating margin

32.8%

36.2%

80.0%

94.3%

—

Net margin

27.3%

22.4%

18.2%

17.2%

301.4%

▲ 284 pts

Return on assets (ROA)

1.0%

0.8%

0.6%

0.4%

▼ 0.2 pts

Return on equity (ROE)

10.0%

9.3%

6.3%

5.6%

3.6%

▼ 2.0 pts

Debt to equity

0.09×

0.13×

0.42×

1.33×

0.32×

▼ 76%

Interest coverage

3.76×

3.50×

1.59×

1.26×

—