Beacon Financial Corporation

NYSE:BBT Stock Report

Market Cap: US$2.6b

Beacon Financial Past Earnings Performance

Past criteria checks 2/6

Beacon Financial's earnings have been declining at an average annual rate of -10.5%, while the Banks industry saw earnings growing at 3.1% annually. Revenues have been growing at an average rate of 16.8% per year. Beacon Financial's return on equity is 4.7%, and it has net margins of 18.5%.

Key information

-10.49%

Earnings growth rate

-14.37%

EPS growth rate

Banks Industry Growth11.18%
Revenue growth rate16.76%
Return on equity4.69%
Net Margin18.55%
Next Earnings Update29 Jul 2026

Recent past performance updates

Recent updates

Seeking Alpha Jul 18

Beacon Financial: Q2 Earnings Preview, With Shares Still Cheap

Summary Beacon Financial trades near book value but below peer P/B multiples as investors await proof that its post-merger operating performance can hold. BBT posted a Q1 2026 operating ROE of 8.85%, an operating ROA of 1.01%, and a net interest margin of 3.78%, while maintaining strong capital ratios. Beacon’s quarterly dividend of $0.3225 equals $1.29 annualized and a roughly 4.2% yield at the July 17 closing price, with a payout ratio of 58.49%. I rate BBT Buy with a $34.50 12-month target, based on margin stability, expense normalization, capital strength, and integration upside despite CRE and execution risks. The July 29 Q2 report is the key catalyst, with investors watching NIM near 3.78%, operating expenses near $119.8 million, stable deposits, and CRE credit quality. Read the full article on Seeking Alpha

Revenue & Expenses Breakdown

How Beacon Financial makes and spends money. Based on latest reported earnings, on an LTM basis.


Earnings and Revenue History

NYSE:BBT Revenue, expenses and earnings (USD Millions)
DateRevenueEarningsG+A ExpensesR&D Expenses
31 Mar 266331173360
31 Dec 25512902800
30 Sep 2531882250
30 Jun 25345792040
31 Mar 25339732040
31 Dec 24334692060
30 Sep 24334742030
30 Jun 24336772020
31 Mar 24340822000
31 Dec 23333751980
30 Sep 23329821900
30 Jun 23324891810
31 Mar 23317931730
31 Dec 223191101600
31 Dec 213171151490
31 Dec 20223481430
31 Dec 19274881390
31 Dec 18268831330

Quality Earnings: BBT has a large one-off loss of $73.8M impacting its last 12 months of financial results to 31st March, 2026.

Growing Profit Margin: BBT's current net profit margins (18.5%) are lower than last year (21.6%).


Free Cash Flow vs Earnings Analysis


Past Earnings Growth Analysis

Earnings Trend: BBT's earnings have declined by 10.5% per year over the past 5 years.

Accelerating Growth: BBT's earnings growth over the past year (60.5%) exceeds its 5-year average (-10.5% per year).

Earnings vs Industry: BBT earnings growth over the past year (60.5%) exceeded the Banks industry 23.8%.


Return on Equity

High ROE: BBT's Return on Equity (4.7%) is considered low.


Return on Assets


Return on Capital Employed


Discover strong past performing companies

Company Analysis and Financial Data Status

DataLast Updated (UTC time)
Company Analysis2026/07/21 09:15
End of Day Share Price 2026/07/21 00:00
Earnings2026/03/31
Annual Earnings2025/12/31

Data Sources

The data used in our company analysis is from S&P Global Market Intelligence LLC. The following data is used in our analysis model to generate this report. Data is normalised which can introduce a delay from the source being available.

PackageDataTimeframeExample US Source *
Company Financials10 years
  • Income statement
  • Cash flow statement
  • Balance sheet
Analyst Consensus Estimates+3 years
  • Forecast financials
  • Analyst price targets
Market Prices30 years
  • Stock prices
  • Dividends, Splits and Actions
Ownership10 years
  • Top shareholders
  • Insider trading
Management10 years
  • Leadership team
  • Board of directors
Key Developments10 years
  • Company announcements

* Example for US securities, for non-US equivalent regulatory forms and sources are used.

Unless specified all financial data is based on a yearly period but updated quarterly. This is known as Trailing Twelve Month (TTM) or Last Twelve Month (LTM) Data. Learn more.

Analysis Model and Snowflake

Details of the analysis model used to generate this report is available on our Github page, we also have guides on how to use our reports and tutorials on Youtube.

Learn about the world class team who designed and built the Simply Wall St analysis model.

Industry and Sector Metrics

Our industry and section metrics are calculated every 6 hours by Simply Wall St, details of our process are available on Github.

Analyst Sources

Beacon Financial Corporation is covered by 9 analysts. 6 of those analysts submitted the estimates of revenue or earnings used as inputs to our report. Analysts submissions are updated throughout the day.

AnalystInstitution
David BishopHovde Group, LLC
David KonradKeefe, Bruyette, & Woods
Mark FitzgibbonPiper Sandler Companies