Beacon Financial Corp
Beacon Financial Corp
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Financial Statements
Values in Millions ($) | 2026-03-31 | 2025-12-31 | 2025-09-30 | 2025-06-30 | 2025-03-31 | 2024-12-31 | 2024-09-30 | 2024-06-30 | 2024-03-31 | 2023-12-31 | 2023-09-30 | 2023-06-30 | Subscriber-only column | Subscriber-only column | Subscriber-only column | Subscriber-only column | Data beyond 3 years is for subscribers only. Unlock 17+ years of financial data Start 7-day free trial |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
Disposal Group Heldforsale Not Discontinued Operat… | - | - | - | - | - | - | -69 | -7 | 83 | 11 | 3 | 0 | |||||
Commercial Real Estate Portfolio Segment | 9,957 | 10,012 | 10,212 | - | 74 | 5,716 | 75 | - | - | - | - | - | |||||
Commercial Portfolio Segment | 4,012 | 3,947 | 3,934 | - | 43 | 2,507 | 46 | - | - | - | - | - | |||||
Consumer Portfolio Segment | 3,955 | 4,070 | 4,096 | - | 7 | 1,557 | 6 | - | - | - | - | - | |||||
Assets | |||||||||||||||||
Cash And Due From Banks | 186 | 202 | 182 | 132 | 121 | 65 | 134 | 112 | 112 | 148 | 121 | 120 | |||||
Cash Equivalents At Carrying Value | 927 | 1,840 | 1,038 | 671 | 705 | 479 | 436 | 988 | 1,082 | 1,055 | 543 | 520 | |||||
Cash And Cash Equivalents At Carrying Value | 1,113 | 2,042 | 1,221 | 803 | 826 | 544 | 570 | 1,100 | 1,194 | 1,203 | 663 | 641 | |||||
Trading Securities Debt | - | - | - | 5 | 5 | 5 | 6 | 6 | 6 | 6 | 6 | 6 | |||||
Equity Securities Fv Ni Current And Noncurrent | - | - | - | 1 | 1 | 1 | 13 | 13 | 13 | 13 | 12 | 13 | |||||
Marketable Securities | - | - | - | - | - | - | - | - | - | 13 | - | - | |||||
Debt Securities Available For Sale Excluding Accru… | 1,719 | 1,689 | 1,739 | 665 | 669 | 895 | 662 | 612 | 626 | 1,022 | 1,260 | 1,340 | |||||
Debt Securities Held To Maturity Excluding Accrued… | - | - | - | 477 | 494 | 508 | 512 | 520 | 532 | 543 | 553 | 564 | |||||
Federal Home Loan Bank Stock | - | - | - | 26 | 30 | - | 31 | 35 | 21 | - | 39 | 35 | |||||
Investments | - | - | - | 1,173 | 1,199 | 1,189 | 1,224 | 1,185 | 1,197 | 1,607 | 1,871 | 1,958 | |||||
Debt Securities Held To Maturity Allowance For Cre… | - | - | - | -0 | -0 | -0 | -0 | -0 | -0 | -0 | -0 | -0 | |||||
Debt Securities Available For Sale Amortized Cost … | -0 | -0 | -0 | - | - | -0 | - | - | - | - | - | - | |||||
Loans Receivable Held For Sale Amount | - | - | 83 | - | - | - | - | - | - | - | - | - | |||||
Financing Receivable Excl… | |||||||||||||||||
Financing Receivable Excluding Accrued Interest Be… | 17,924 | 18,030 | 18,242 | 9,499 | 9,429 | 9,779 | 9,212 | 9,229 | 9,086 | 9,040 | 8,984 | 8,882 | |||||
Financing Receivable Allowance For Credit Loss Exc… | -244 | -253 | -254 | -117 | -124 | -125 | -127 | -112 | -107 | -105 | -103 | -100 | |||||
Financing Receivable Excluding Accrued Interest Af… | 17,680 | 17,777 | 17,988 | 9,382 | 9,312 | 9,654 | 9,100 | 9,116 | 8,978 | 8,934 | 8,882 | 8,782 | |||||
Restricted Investments | 97 | 87 | 99 | - | - | 83 | - | - | - | - | - | - | |||||
Property Plant And Equipment Net | 161 | 162 | 158 | 58 | 58 | 87 | 55 | 56 | 58 | 69 | 70 | 77 | |||||
Real Estate Acquired Through Foreclosure | - | - | - | 0 | - | - | - | - | - | - | - | - | |||||
Operating Lease Right Of Use Asset | 85 | 83 | 84 | - | - | 44 | - | - | - | - | - | - | |||||
Deferred Income Tax Assets Net | 143 | 149 | 178 | - | - | 57 | - | - | - | - | - | - | |||||
Goodwill | 355 | 352 | 353 | - | - | 241 | - | - | - | - | - | - | |||||
Intangible Assets Net Excluding Goodwill | 181 | 190 | 198 | 13 | 14 | 17 | 16 | 17 | 18 | 20 | 21 | 22 | |||||
Other Real Estate And Foreclosed Assets | 3 | 3 | 3 | - | - | 1 | - | - | - | - | - | - | |||||
Cash Surrender Value Of Life Insurance | 337 | 334 | 333 | 246 | 247 | 84 | 245 | 245 | 244 | 242 | 242 | 241 | |||||
Other Assets | 354 | 353 | 382 | 350 | 349 | 198 | 337 | 371 | 368 | 342 | 378 | 352 | |||||
Assets Of Disposal Group Including Discontinued Op… | - | - | - | 7 | 7 | 7 | - | - | - | 11 | - | - | |||||
Liabilities | |||||||||||||||||
Assets | 22,228 | 23,220 | 22,821 | 12,035 | 12,013 | 11,905 | 11,605 | 12,219 | 12,147 | 12,431 | 12,140 | 12,090 | |||||
Liabilities And Stockhold… | |||||||||||||||||
Deposits | |||||||||||||||||
Noninterest Bearing Depos… | |||||||||||||||||
Demand Deposit Accounts | 3,861 | 4,033 | 3,906 | 2,296 | 2,295 | 1,692 | 2,268 | 2,222 | 2,262 | 2,469 | 2,530 | 2,595 | |||||
Time Deposits | - | 4,157 | - | 2,610 | 2,533 | 1,885 | 2,520 | 2,350 | 2,405 | 2,686 | 2,445 | 2,436 | |||||
Interest Bearing Deposit … | |||||||||||||||||
Interest Bearing Deposit … | |||||||||||||||||
Deposits Negotiable Order Of Withdrawal N O W | 1,521 | 1,446 | 1,471 | 815 | 789 | 617 | 749 | 767 | 793 | 859 | 843 | 945 | |||||
Deposits Savings Deposits | 3,089 | 2,954 | 2,905 | 1,105 | 1,066 | 1,721 | 999 | 1,004 | 1,011 | 1,054 | 1,086 | 1,088 | |||||
Deposits Money Market Deposits | 4,394 | 6,515 | 5,590 | 3,153 | 3,197 | 2,116 | 3,043 | 3,279 | 3,412 | 3,566 | 3,075 | 3,005 | |||||
Debt And Capital Lease Obligations | - | 788 | - | 586 | 685 | 1,520 | 707 | 811 | 459 | 507 | 926 | 796 | |||||
Other Liabilities | - | - | - | 248 | 252 | 293 | 250 | 287 | 298 | 279 | 283 | 253 | |||||
Interest Bearing Domestic Deposit Certificates Of … | 4,086 | 4,157 | 4,127 | - | - | 1,885 | - | - | - | - | - | - | |||||
Interest Bearing Deposit Liabilities | 14,431 | 15,482 | 14,999 | - | - | 7,209 | - | - | - | - | - | - | |||||
Deposits | 18,292 | 19,515 | 18,904 | 9,979 | 9,880 | 8,902 | 9,577 | 9,621 | 9,883 | 10,633 | 9,981 | 10,068 | |||||
Short Term Borrowings | - | - | - | 360 | 400 | 104 | 354 | 533 | 210 | 260 | 670 | 470 | |||||
Stockholders Equity | |||||||||||||||||
Long Term Debt | |||||||||||||||||
Federal Home Loan Bank Advances Long Term | 822 | 556 | 841 | 104 | 163 | 1,356 | 232 | 157 | 127 | 125 | 134 | 204 | |||||
Junior Subordinated Notes | - | - | - | 122 | 122 | 122 | 122 | 121 | 121 | 121 | 121 | 121 | |||||
Subordinated Debt | 199 | 199 | 198 | - | - | 84 | - | - | - | - | - | - | |||||
Other Borrowings | 51 | 34 | 41 | - | - | 80 | - | - | - | - | - | - | |||||
Long Term Debt | 1,073 | 788 | 1,081 | - | - | 1,520 | - | - | - | - | - | - | |||||
Operating Lease Liability | 93 | 91 | 92 | - | - | 45 | - | - | - | - | - | - | |||||
Advance Payments By Borrowers For Taxes And Insura… | - | 16 | 11 | - | - | 16 | - | - | - | - | - | - | |||||
Off Balance Sheet Credit Loss Liability | 17 | 14 | 14 | - | - | 6 | - | - | - | - | - | - | |||||
Accrued Liabilities And Other Liabilities | 249 | 301 | 305 | - | - | 195 | - | - | - | - | - | - | |||||
Liabilities | 19,723 | 20,724 | 20,406 | 10,812 | 10,816 | 10,683 | 10,534 | 11,207 | 11,137 | 11,419 | 11,189 | 11,117 | |||||
Stockholders Equity Inclu… | |||||||||||||||||
Common Stock Value | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | |||||
Additional Paid In Capital Common Stock | 2,173 | 2,172 | 2,172 | 1,431 | 1,431 | 903 | 1,421 | 1,421 | 1,423 | 1,423 | 1,424 | 1,424 | |||||
Deferred Compensation Equity | - | - | - | -6 | -8 | -10 | -12 | -14 | -11 | -10 | -12 | -14 | |||||
Retained Earnings Accumulated Deficit | 505 | 486 | - | 36 | 14 | 459 | -15 | -45 | -61 | -33 | -24 | -35 | |||||
Accumulated Other Comprehensive Income Loss Net Of… | -31 | -20 | -29 | -91 | -95 | -53 | -89 | -115 | -114 | -143 | -218 | -186 | |||||
Treasury Stock Common Value | -143 | -143 | -142 | -147 | -145 | -88 | -235 | -235 | -226 | -225 | -219 | -215 | |||||
Stockholders Equity | 2,505 | 2,496 | 2,415 | 1,222 | 1,240 | 1,222 | 1,230 | 1,013 | 1,010 | 1,012 | 951 | 973 | |||||
Liabilities And Stockholders Equity | 22,228 | 23,220 | 22,821 | 12,035 | 12,013 | 11,905 | 11,605 | 12,219 | 12,147 | 12,431 | 12,140 | 12,090 | |||||
Held To Maturity Securities Fair Value | - | - | - | 407 | 422 | 433 | 451 | 444 | 460 | 476 | 454 | 488 | |||||
Accumulated Depreciation Depletion And Amortizatio… | 116 | 113 | 110 | - | - | 103 | - | - | - | - | - | - | |||||
Finite Lived Intangible Assets Accumulated Amortiz… | 37 | 29 | 20 | - | - | 17 | - | - | - | - | - | - | |||||
Common Stock Par Or Stated Value Per Share | 0.01 | 0.01 | 0.01 | 0.01 | 0.01 | 0.01 | 0.01 | 0.01 | 0.01 | 0.01 | 0.01 | 0.01 | |||||
Common Stock Shares Authorized | 200 | 200 | 200 | 200 | 200 | 200 | 200 | 200 | 200 | 200 | 200 | 200 | |||||
Common Stock Shares Issued | 90 | 90 | 90 | 104 | 104 | 97 | 104 | 104 | 104 | 104 | 104 | 104 | |||||
Shares Outstanding | - | - | - | 23 | 46 | 46 | 43 | 43 | 43 | 44 | 44 | 44 | |||||
Treasury Stock Common Shares | 6 | 6 | 5 | 6 | 6 | 7 | 9 | 9 | 8 | 8 | 8 | 8 | |||||
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Earnings Market Reaction
| Fiscal Year | Q1 1 Month | Q1 2 Month | Q1 3 Month | Q2 1 Month | Q2 2 Month | Q2 3 Month | Q3 1 Month | Q3 2 Month | Q3 3 Month | Q4 1 Month | Q4 2 Month | Q4 3 Month |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| 2026 | 2.11% | 7.03% | - | - | - | - | - | - | - | - | - | - |
| 2025 | -5.04% | 2.54% | -7.70% | 10.68% | -1.24% | 0.41% | -3.82% | 0.92% | 8.37% | -3.24% | 3.47% | -3.70% |
| 2024 | -4.02% | -0.72% | 22.10% | 8.77% | 5.57% | 7.28% | -0.99% | -9.14% | -5.31% | -6.97% | -12.20% | -11.07% |
| 2023 | - | - | - | -4.19% | -11.80% | -14.93% | 9.61% | 23.83% | 22.63% | 4.18% | 2.11% | 10.34% |
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Performance and Valuation Metrics
Metrics | 2026-03-31 | 2025-12-31 | 2025-09-30 | 2025-06-30 | 2025-03-31 | 2024-12-31 | 2024-09-30 | 2024-06-30 | 2024-03-31 | 2023-12-31 | 2023-09-30 | 2023-06-30 | Subscriber-only column | Subscriber-only column | Subscriber-only column | Subscriber-only column | Data beyond 3 years is for subscribers only. Unlock 17+ years of financial data Start 7-day free trial |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
Leverage & Debt | |||||||||||||||||
| Interest Coverage TTM | -0.68 | -0.70 | -0.84 | -0.52 | -0.08 | 0.26 | 0.49 | 1.09 | 1.08 | 1.38 | 1.73 | 2.02 | |||||
Per Share Metrics | |||||||||||||||||
| Diluted EPS TTM | 1.76 | 1.38 | 0.55 | 2.57 | 1.25 | 0.81 | 0.25 | 0.26 | 0.25 | 0.80 | 1.17 | 1.16 | |||||
| Free Cash Flow Per Share TTM | 2.28 | 2.40 | 1.05 | 2.52 | 1.10 | 1.12 | 1.23 | 1.51 | 1.42 | 1.79 | 1.46 | 1.93 | |||||
| Dividend Per Share TTM | 0.93 | 0.72 | 0.55 | 1.08 | 0.67 | 0.54 | 0.49 | 0.37 | 0.28 | 0.37 | 0.37 | 0.34 | |||||
Margin Metrics | |||||||||||||||||
| Gross Profit Margin TTM | -160.80% | -147.22% | -135.19% | -134.58% | -149.20% | -71.06% | -44.19% | 4.36% | 8.34% | 28.44% | 63.42% | 73.71% | |||||
| Operating Profit Margin TTM | 113.01% | 87.74% | 42.81% | 121.62% | 118.16% | 52.47% | 10.36% | 6.27% | 5.28% | 19.02% | 26.70% | 26.75% | |||||
| Net Profit Margin TTM | 106.04% | 90.46% | 36.99% | 93.36% | 91.99% | 41.52% | 9.14% | 6.23% | 6.16% | 16.90% | 22.59% | 22.38% | |||||
Growth Metrics | |||||||||||||||||
| Net Revenue Growth (1Y) | 14.61% | -23.69% | -47.59% | -64.04% | -65.58% | -57.57% | -45.14% | -21.78% | -19.34% | -0.41% | 16.31% | 6.36% | |||||
| Net Income Growth (1Y) | 32.11% | 66.28% | 112.12% | 438.73% | 413.66% | 4.24% | -77.81% | -78.22% | -78.22% | -24.79% | 23.42% | -20.88% | |||||
| EPS Growth (1Y) | 40.45% | 69.33% | 115.82% | 899.13% | 393.20% | 1.42% | -78.48% | -77.70% | -77.75% | -20.83% | 27.82% | -16.56% | |||||
Valuation Metrics | |||||||||||||||||
| P/E TTM | 16.82 | 18.68 | 41.94 | 9.30 | 19.81 | 33.03 | 100.19 | 82.51 | 83.52 | 28.41 | 15.55 | 16.18 | |||||
| P/B TTM | 0.99 | 0.90 | 0.83 | 0.90 | 1.79 | 1.96 | 1.84 | 1.79 | 1.80 | 1.95 | 1.66 | 1.67 | |||||
| P/S TTM | 17.84 | 16.90 | 15.51 | 8.69 | 18.22 | 13.71 | 9.16 | 5.14 | 5.15 | 4.80 | 3.51 | 3.62 | |||||
| Market Cap | 2.49B | 2.25B | 2.00B | 1.10B | 2.22B | 2.40B | 2.26B | 1.81B | 1.82B | 1.98B | 1.58B | 1.63B | |||||
| Enterprise Value | 2.45B | 1.00B | 1.86B | 778.55M | 2.38B | 3.48B | 2.32B | 1.36B | 956.29M | 1.16B | 1.71B | 1.58B | |||||
Calculated Values | |||||||||||||||||
| Free Cash Flow TTM | 191.40M | 209.88M | 91.96M | 115.10M | 97.98M | 99.97M | 109.68M | 127.90M | 121.72M | 155.34M | 125.70M | 167.80M | |||||
| Net Debt | -40.45M | -1.25B | -140.10M | -321.00M | 164.13M | 1.08B | 67.16M | -446.31M | -862.27M | -821.88M | 127.83M | -49.36M | |||||
Per-Share and Margin | |||||||||||||||||
| EPS TTM | |||||||||||||||||
| Adjusted EPS TTM | |||||||||||||||||
| Cash Flow Per Share TTM | |||||||||||||||||
| Pretax Margin TTM | |||||||||||||||||
| Stock Comp to Revenue TTM | |||||||||||||||||
Turnover Ratios and Averages | |||||||||||||||||
| Average Assets | |||||||||||||||||
| Average Equity | |||||||||||||||||
| Average Inventory | |||||||||||||||||
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| Average Accounts Payables | |||||||||||||||||
| Inventory Turnover TTM | |||||||||||||||||
| Payables Turnover TTM | |||||||||||||||||
| Days Inventory Outstanding TTM | |||||||||||||||||
| Days Payables Outstanding TTM | |||||||||||||||||
| Cash Conversion Cycle TTM | |||||||||||||||||
| Working Capital to Revenue | |||||||||||||||||
| Deferred Revenue to Revenue | |||||||||||||||||
Growth Rates | |||||||||||||||||
| Total Assets Growth (1Y) | |||||||||||||||||
| Total Assets Growth (3Y) | |||||||||||||||||
| Total Assets Growth (5Y) | |||||||||||||||||
| Dividends Paid Growth (1Y) | |||||||||||||||||
| Dividends Paid Growth (3Y) | |||||||||||||||||
| Dividends Paid Growth (5Y) | |||||||||||||||||
| EPS Growth (3Y) | |||||||||||||||||
| EPS Growth (5Y) | |||||||||||||||||
| Net Income Growth (3Y) | |||||||||||||||||
| Net Income Growth (5Y) | |||||||||||||||||
| Net Profit Margin Growth (1Y) | |||||||||||||||||
| Net Profit Margin Growth (3Y) | |||||||||||||||||
| Net Profit Margin Growth (5Y) | |||||||||||||||||
| Net Revenue Growth (3Y) | |||||||||||||||||
| Net Revenue Growth (5Y) | |||||||||||||||||
| Deferred Revenue Growth (1Y) | |||||||||||||||||
| Retained Earnings Growth (1Y) | |||||||||||||||||
Credit, Liquidity, Returns, Payout | |||||||||||||||||
| Cash Ratio | |||||||||||||||||
| Net Working Capital | |||||||||||||||||
| Debt to EBITDA TTM | |||||||||||||||||
| Net Debt to EBITDA TTM | |||||||||||||||||
| Net Debt to Equity | |||||||||||||||||
| Altman A | |||||||||||||||||
| Altman B | |||||||||||||||||
| Altman C | |||||||||||||||||
| Altman D | |||||||||||||||||
| Altman E | |||||||||||||||||
| Altman Z-Score | |||||||||||||||||
| ROA TTM | |||||||||||||||||
| ROE TTM | |||||||||||||||||
| NOPAT TTM | |||||||||||||||||
| ROIC TTM | |||||||||||||||||
| Effective Tax Rate TTM | |||||||||||||||||
| Payout Ratio TTM | |||||||||||||||||
| Dilution Ratio | |||||||||||||||||
| Retained Earnings to Equity | |||||||||||||||||
| Treasury Stock to Equity | |||||||||||||||||
| Treasury Stock Change (1Y) | |||||||||||||||||
| Accrued to Current Liabilities | |||||||||||||||||
Valuation Ratios | |||||||||||||||||
| P/CF TTM | |||||||||||||||||
| Dividend Yield TTM | |||||||||||||||||
| Free Cash Flow Yield TTM | |||||||||||||||||
| EV EBITDA TTM | |||||||||||||||||
| EV EBIT TTM | |||||||||||||||||
| Stock Compensation TTM | |||||||||||||||||
| Adjusted Net Income TTM | |||||||||||||||||
| Billings TTM | |||||||||||||||||
| Total Debt | |||||||||||||||||
| Invested Capital | |||||||||||||||||
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Insider Transactions
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Institutional Ownership
Beacon Financial Corp (BBT) — SEC Financial Statements & Analysis
Beacon Financial Corp (BBT) is a savings institutions, not federally chartered company, incorporated in DE. Beacon Financial Corp trades on NYSE as: BBT. Based on its latest SEC filing (Form 10-Q, period ending 2026-03-31), Beacon Financial Corp reported a 14.61% year-over-year revenue growth, a Gross Profit Margin of -160.80% (TTM), a Price-to-Sales (P/S) ratio of 17.84x (TTM), a Price-to-Book (P/B) ratio of 0.99 (TTM), at a market cap of $2.49B. Figures below are sourced from SEC EDGAR, as-filed.
- Net Revenue TTM Growth 1Y
- 14.61%
- Gross Profit Margin TTM
- -160.80%
- P/S TTM
- 17.84x
- P/B TTM
- 0.99
- Market Cap
- $2.49B
Data as of 2026-03-31 · Source: SEC EDGAR
Frequently Asked Questions
What industry is Beacon Financial Corp in?
Beacon Financial Corp (BBT) operates in the Savings Institutions, Not Federally Chartered industry.
What is BBT's market cap?
Beacon Financial Corp (BBT) has a market capitalization of $2.49B as of 2026-03-31.
What is BBT's P/E ratio?
Beacon Financial Corp (BBT)'s trailing twelve month P/E ratio is 16.82x as of 2026-03-31.
What exchange does BBT trade on?
Beacon Financial Corp (BBT) trades on the NYSE.
Where is Beacon Financial Corp incorporated?
Beacon Financial Corp is incorporated in DE.