Beacon Financial Corp

BBT

Beacon Financial Corp

BBT

Insider Sentiment (TTM):

Last Purchase:2025-11-04Last Sale:2026-02-26Shares Purchased (TTM):10,835Shares Sold (TTM):18,333

Institutional Sentiment:

As of:2026-03-31Institutional Shares Owned:76,243,478Shares Outstanding:83,816,086Institutional Ownership Pct.:90.97%

Earnings Market Reaction:

Filing Date:2026-08-07Price on Filing Date:N/APrevious Close:N/A% Change:N/A

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Financial Statements

10‑Q10‑K

Values in Millions ($)	2026-06-30	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
Disposal Group Heldforsale Not Discontinued Operat…	-	-	-	-	-	-	-	-69	-7	83	11	3
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	241	186	202	182	132	121	65	134	112	112	148	121
Cash Equivalents At Carrying Value	975	927	1,840	1,038	671	705	479	436	988	1,082	1,055	543
Cash And Cash Equivalents At Carrying Value	1,216	1,113	2,042	1,221	803	826	544	570	1,100	1,194	1,203	663
Trading Securities Debt	-	-	-	-	5	5	5	6	6	6	6	6
Equity Securities Fv Ni Current And Noncurrent	-	-	-	-	1	1	1	13	13	13	13	12
Marketable Securities	-	-	-	-	-	-	-	-	-	-	13	-
Debt Securities Available For Sale Excluding Accru…	1,761	1,719	1,689	1,739	665	669	895	662	612	626	1,022	1,260
Debt Securities Held To Maturity Excluding Accrued…	-	-	-	-	477	494	508	512	520	532	543	553
Federal Home Loan Bank Stock	-	-	-	-	26	30	-	31	35	21	-	39
Investments	-	-	-	-	1,173	1,199	1,189	1,224	1,185	1,197	1,607	1,871
Debt Securities Held To Maturity Allowance For Cre…	-	-	-	-	-0	-0	-0	-0	-0	-0	-0	-0
Debt Securities Available For Sale Amortized Cost …	-0	-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
Financing Receivable Allowance For Credit Loss Exc…	-	-244	-253	-254	-117	-124	-125	-127	-112	-107	-105	-103
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
Fi Nonecing Receivable Ex…
Restricted Investments	91	97	87	99	-	-	83	-	-	-	-	-
Property Plant And Equipment Net	161	161	162	158	58	58	87	55	56	58	69	70
Real Estate Acquired Through Foreclosure	-	-	-	-	0	-	-	-	-	-	-	-
Operating Lease Right Of Use Asset	83	85	83	84	-	-	44	-	-	-	-	-
Deferred Income Tax Assets Net	138	143	149	178	-	-	57	-	-	-	-	-
Goodwill	357	355	352	353	-	-	241	-	-	-	-	-
Intangible Assets Net Excluding Goodwill	173	181	190	198	13	14	17	16	17	18	20	21
Other Real Estate And Foreclosed Assets	3	3	3	3	-	-	1	-	-	-	-	-
Cash Surrender Value Of Life Insurance	336	337	334	333	246	247	246	245	245	244	242	242
Other Assets	348	354	353	382	350	349	198	337	371	368	342	378
Assets Of Disposal Group Including Discontinued Op…	-	-	-	-	7	7	7	-	-	-	11	-
Liabilities
Assets	22,251	22,228	23,220	22,821	12,035	12,013	11,905	11,605	12,219	12,147	12,431	12,140
Liabilities And Stockhold…
Deposits
Noninterest Bearing Depos…
Demand Deposit Accounts	3,911	3,861	4,033	3,906	2,296	2,295	1,692	2,268	2,222	2,262	2,469	2,530
Time Deposits	-	-	4,157	-	2,610	2,533	1,885	2,520	2,350	2,405	2,686	2,445
Interest Bearing Deposit …
Interest Bearing Deposit …
Deposits Negotiable Order Of Withdrawal N O W	1,570	1,521	1,446	1,471	815	789	617	749	767	793	859	843
Deposits Savings Deposits	3,035	3,089	2,954	2,905	1,105	1,066	1,721	999	1,004	1,011	1,054	1,086
Deposits Money Market Deposits	4,462	4,394	6,515	5,590	3,153	3,197	2,116	3,043	3,279	3,412	3,566	3,075
Debt And Capital Lease Obligations	-	-	788	-	586	685	1,520	707	811	459	507	926
Other Liabilities	-	-	-	-	248	252	293	250	287	298	279	283
Interest Bearing Domestic Deposit Certificates Of …	4,065	4,086	4,157	4,127	-	-	1,885	-	-	-	-	-
Interest Bearing Deposit Liabilities	14,575	14,431	15,482	14,999	-	-	7,209	-	-	-	-	-
Deposits	18,486	18,292	19,515	18,904	9,979	9,880	8,902	9,577	9,621	9,883	10,633	9,981
Short Term Borrowings	-	-	-	-	360	400	104	354	533	210	260	670
Stockholders Equity
Long Term Debt
Federal Home Loan Bank Advances Long Term	633	822	556	841	104	163	1,356	232	157	127	125	134
Junior Subordinated Notes	-	-	-	-	122	122	122	122	121	121	121	121
Subordinated Debt	202	199	199	198	-	-	84	-	-	-	-	-
Other Borrowings	53	51	34	41	-	-	80	-	-	-	-	-
Long Term Debt	889	1,073	788	1,081	-	-	1,520	-	-	-	-	-
Operating Lease Liability	91	93	91	92	-	-	45	-	-	-	-	-
Advance Payments By Borrowers For Taxes And Insura…	-	-	16	11	-	-	16	-	-	-	-	-
Off Balance Sheet Credit Loss Liability	13	17	14	14	-	-	6	-	-	-	-	-
Accrued Liabilities And Other Liabilities	232	249	301	305	-	-	195	-	-	-	-	-
Liabilities	19,711	19,723	20,724	20,406	10,812	10,816	10,683	10,534	11,207	11,137	11,419	11,189
Stockholders Equity Inclu…
Common Stock Value	1	1	1	1	1	1	1	1	1	1	1	1
Additional Paid In Capital Common Stock	2,164	2,173	2,172	2,172	1,431	1,431	903	1,421	1,421	1,423	1,423	1,424
Deferred Compensation Equity	-	-	-	-	-6	-8	-10	-12	-14	-11	-10	-12
Retained Earnings Accumulated Deficit	542	505	486	-	36	14	459	-15	-45	-61	-33	-24
Accumulated Other Comprehensive Income Loss Net Of…	-35	-31	-20	-29	-91	-95	-53	-89	-115	-114	-143	-218
Treasury Stock Common Value	-133	-143	-143	-142	-147	-145	-88	-235	-235	-226	-225	-219
Stockholders Equity	2,540	2,505	2,496	2,415	1,254	1,240	1,222	1,230	1,013	1,010	1,012	951
Liabilities And Stockholders Equity	22,251	22,228	23,220	22,821	12,035	12,013	11,905	11,605	12,219	12,147	12,431	12,140
Held To Maturity Securities Fair Value	-	-	-	-	407	422	433	451	444	460	476	454
Accumulated Depreciation Depletion And Amortizatio…	120	116	113	110	-	-	103	-	-	-	-	-
Finite Lived Intangible Assets Accumulated Amortiz…	46	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	100	100	200	100	100	100	100	100
Common Stock Shares Issued	90	90	90	90	52	52	97	52	52	52	52	52
Shares Outstanding	-	-	-	-	46	46	46	43	43	43	44	44
Treasury Stock Common Shares	5	6	6	5	6	6	7	9	9	8	8	8

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10‑Q10‑K

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Earnings Market Reaction

10‑Q10‑K

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%	11.60%	-	-	-	-	-	-	-	-	-
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

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Metrics	2026-06-30	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
Leverage & Debt
Interest Coverage TTM	-0.69	-0.73	-0.76	-0.87	-0.55	-0.08	0.26	0.49	1.09	1.08	1.38	1.73
Per Share Metrics
Diluted EPS TTM	1.90	1.40	1.03	0.45	1.23	1.25	0.81	0.25	0.52	0.51	1.60	2.34
Free Cash Flow Per Share TTM	2.67	2.28	2.40	1.05	1.07	1.10	1.12	1.23	3.01	2.85	3.59	2.91
Dividend Per Share TTM	1.11	0.93	0.72	0.55	0.63	0.67	0.54	0.49	0.74	0.55	0.73	0.74
Margin Metrics
Gross Profit Margin TTM	-24.78%	-160.80%	-147.22%	-139.71%	-139.20%	-149.20%	-71.06%	-44.19%	4.36%	8.34%	28.44%	63.42%
Operating Profit Margin TTM	63.56%	104.45%	78.79%	33.57%	112.19%	118.16%	52.47%	10.36%	6.27%	5.28%	19.02%	26.70%
Net Profit Margin TTM	50.04%	84.25%	67.69%	30.53%	86.77%	91.99%	41.52%	9.14%	6.23%	6.16%	16.90%	22.59%
Growth Metrics
Net Revenue Growth (1Y)	152.25%	14.61%	-23.69%	-47.59%	-64.04%	-65.58%	-57.57%	-45.14%	-21.78%	-19.34%	-0.41%	16.31%
Net Income Growth (1Y)	45.47%	4.96%	24.42%	75.11%	400.71%	413.66%	4.24%	-77.81%	-78.22%	-78.22%	-24.79%	23.42%
EPS Growth (1Y)	54.65%	11.58%	26.71%	78.16%	138.47%	146.60%	-49.29%	-89.24%	-77.70%	-77.75%	-20.83%	27.82%
Valuation Metrics
P/E TTM	15.81	20.97	24.72	50.30	19.30	19.61	32.70	99.19	40.84	41.34	14.06	7.70
P/B TTM	0.99	0.98	0.89	0.82	1.69	1.77	1.94	1.82	0.88	0.89	0.97	0.82
P/S TTM	7.91	17.66	16.73	15.36	16.74	18.04	13.57	9.06	2.54	2.55	2.38	1.74
Market Cap	2.53B	2.46B	2.23B	1.98B	2.12B	2.19B	2.37B	2.24B	895.93M	900.20M	978.64M	781.45M
Enterprise Value	2.20B	2.42B	3.06B	1.84B	2.09B	2.36B	3.45B	2.30B	449.62M	37.93M	156.76M	909.28M
Calculated Values
Free Cash Flow TTM	224.12M	191.40M	209.88M	91.96M	94.95M	97.98M	99.97M	109.68M	127.90M	121.72M	155.34M	125.70M
Net Debt	-327.51M	-40.45M	831.53M	-140.10M	-25.01M	164.13M	1.08B	67.16M	-446.31M	-862.27M	-821.88M	127.83M
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
Average Receivables
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
NCAV
NCAV Per Share TTM
Valuation Ratios
P/CF TTM
PEG Ratio
Dividend Yield TTM
Free Cash Flow Yield TTM
EV EBITDA TTM
EV EBIT TTM
EV Revenue TTM
EV FCF TTM
Stock Compensation TTM
Adjusted Net Income TTM
Billings TTM
Total Debt
Invested Capital

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Insider Transactions

2026-02-26Sale

Owner: Mccurdy, Michael W.

Title: Chief Banking Officer

Shares: 17,333

Price/Share: $31.04

Value: $538,016.32

Shares Owned: 25,555

Relationship: Officer

Ownership: Direct

2025-11-04Purchase

Owner: Callahan, Mary Anne

Title: -

Shares: 4,000

Price/Share: $24.67

Value: $98,680.00

Shares Owned: 17,374

Relationship: Director

Ownership: Indirect

2025-11-04Purchase

Owner: Hollister, Thomas J

Title: -

Shares: 4,200

Price/Share: $24.66

Value: $103,572.00

Shares Owned: 7,476

Relationship: Director

Ownership: Indirect

2025-11-03Purchase

Owner: Carlson, Carl M

Title: CFO & Chief Strategy Officer

Shares: 2,000

Price/Share: $24.69

Value: $49,380.00

Shares Owned: 75,690

Relationship: Officer

Ownership: Direct

2025-11-03Purchase

Owner: Hughes, William H Iii

Title: -

Shares: 635

Price/Share: $24.26

Value: $15,405.10

Shares Owned: 13,540

Relationship: Director

Ownership: Direct

Filed Date	Owner	Relationship	Title	Ownership	Purchase/Sale	No. Shares	Price Per Share	Value	Shares Owned	Document Type
2026-02-26	Mccurdy, Michael W.	Officer	Chief Banking Officer	Direct	Sale	17,333	31.04	$538,016.32	25,555	4
2025-11-04	Callahan, Mary Anne	Director	-	Indirect	Purchase	4,000	24.67	$98,680.00	17,374	4
2025-11-04	Hollister, Thomas J	Director	-	Indirect	Purchase	4,200	24.66	$103,572.00	7,476	4
2025-11-03	Carlson, Carl M	Officer	CFO & Chief Strategy Officer	Direct	Purchase	2,000	24.69	$49,380.00	75,690	4
2025-11-03	Hughes, William H Iii	Director	-	Direct	Purchase	635	24.26	$15,405.10	13,540	4
2025-09-12	Hill, Willard I Jr	Director	-	Direct	Sale	1,000	25.96	$25,960.00	12,326	4
2025-02-11	Tulchiner, Ellen	Officer	EVP,Head of Cnsmr Lndng&Pymnts	Direct	Sale	1,052	29.97	$31,528.44	0	4
2024-04-25	Mhatre, Nitin J.	Director,Officer	President and CEO	Direct	Purchase	1,100	22.02	$24,222.00	88,799	4
2024-03-19	Tulchiner, Ellen	Officer	EVP,Head of Cnsmr Lndng&Pymnts	Direct	Sale	926	21.71	$20,103.46	0	4
2024-03-07	Adofo-Wilson, Baye	Director	-	Direct	Sale	10,074	22.19	$223,542.06	0	4
2024-02-21	Zaitzeff, Michael	Director	-	Indirect	Sale	11,855	22.36	$265,077.80	0	4
2024-02-16	Zaitzeff, Michael	Director	-	Indirect	Sale	24,910	22.40	$557,984.00	38,855	4
2024-02-13	Zaitzeff, Michael	Director	-	Indirect	Sale	18,700	21.93	$410,091.00	108,447	4
2024-02-08	Zaitzeff, Michael	Director	-	Direct	Sale	2,665	22.31	$59,456.15	0	4
2024-02-05	Zaitzeff, Michael	Director	-	Indirect	Sale	20,439	22.62	$462,330.18	238,108	4
2024-01-31	Zaitzeff, Michael	Director	-	Indirect	Sale	20,028	24.73	$495,292.44	288,483	4
2023-11-08	Callahan, Mary Anne	Director	-	Indirect	Purchase	6,000	20.30	$121,800.00	16,000	4
2023-11-07	Callahan, Mary Anne	Director	-	Indirect	Purchase	2,000	20.60	$41,200.00	10,000	4
2023-09-20	Callahan, Mary Anne	Director	-	Direct	Purchase	10,000	19.86	$198,600.00	10,000	4
2023-09-12	Mhatre, Nitin J.	Director,Officer	President and CEO	Direct	Purchase	1,000	19.82	$19,820.00	58,030	4
2023-07-25	Mhatre, Nitin J.	Director,Officer	President and CEO	Direct	Purchase	1,500	22.29	$33,435.00	57,030	4
2023-05-15	Conn, Kevin	Officer	Sr Managing Dir/Inv Relations	Direct	Purchase	5,200	19.55	$101,660.00	18,163	4
2023-05-02	Mhatre, Nitin J.	Director,Officer	President and CEO	Direct	Purchase	2,100	19.53	$41,013.00	55,530	4
2023-03-15	Mhatre, Nitin J.	Director,Officer	President and CEO	Direct	Purchase	3,900	24.62	$96,018.00	53,430	4
2023-03-14	Hughes, William H Iii	Director	-	Direct	Purchase	190	26.19	$4,976.10	7,163	4
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Institutional Ownership

No data available for chart

2026-03-31

90.97%

Inst. Shares: 76,243,478

Shares Outstanding: 83,816,086

2025-12-31

86.81%

Inst. Shares: 75,853,213

Shares Outstanding: 87,377,933

2025-09-30

81.90%

Inst. Shares: 71,667,644

Shares Outstanding: 87,508,517

2025-06-30

94.53%

Inst. Shares: 43,258,483

Shares Outstanding: 45,764,000

2025-03-31

46.29%

Inst. Shares: 41,245,950

Shares Outstanding: 89,103,510

Date	Institutional Shares Owned	Shares Outstanding	Institutional Ownership %
2026-03-31	76,243,478	83,816,086	90.97%
2025-12-31	75,853,213	87,377,933	86.81%
2025-09-30	71,667,644	87,508,517	81.90%
2025-06-30	43,258,483	45,764,000	94.53%
2025-03-31	41,245,950	89,103,510	46.29%
2024-12-31	38,273,198	88,983,248	43.01%
2024-09-30	34,598,027	89,033,463	38.86%
2024-06-30	34,732,669	42,437,000	81.85%
2024-03-31	33,700,358	42,777,000	78.78%
2023-12-31	34,859,177	43,288,000	80.53%
2023-09-30	34,747,191	43,164,000	80.50%
2023-06-30	35,274,101	43,443,000	81.20%
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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 2026-06-30), Beacon Financial Corp reported a 152.25% year-over-year revenue growth, a Gross Profit Margin of -24.78% (TTM), a Price-to-Sales (P/S) ratio of 7.91x (TTM), a Price-to-Book (P/B) ratio of 0.99x (TTM), at a market cap of $2.53B. Figures below are sourced from SEC EDGAR, as-filed.

Net Revenue TTM Growth 1Y: 152.25%
Gross Profit Margin TTM: -24.78%
P/S TTM: 7.91x
P/B TTM: 0.99x
Market Cap: $2.53B

Data as of 2026-06-30 · 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 $2.53B as of 2026-06-30.

What is BBT's P/E ratio?

Beacon Financial Corp (BBT)'s trailing twelve month P/E ratio is 15.81x as of 2026-06-30.

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.