Beacon Financial Corp
BBT NYSE· Savings Institutions, Not Federally Chartered
Last close · Oct 26, 2026
$30.86
KIRA · Stoqly’s AI analyst, in plain words
- Beacon Financial Corp had $29.9M of revenue in fiscal 2025, down 92.5% on the year before. Over five years, revenue changed −39.9% a year on average.
- Beacon Financial Corp made $90.3M of net profit in fiscal 2025. From fiscal 2016 to 2025, diluted EPS grew −6.5% a year.
- Beacon Financial Corp returned $63.1M to shareholders in fiscal 2025, 30% of free cash flow. The diluted share count fell 1.8%.
- It earned 4.9% on shareholders’ money. Running costs took 1,301.4% of revenue (the efficiency ratio; lower is better).
Market cap
$2.6B
P/E
16.2x
Revenue
$29.9M
Net income
$90.3M
Return on equity
4.9%
Efficiency ratio
1,301.4%
Beacon Financial Corp in 30 seconds · fiscal 2025
Are sales growing?
−92.5%
No. Sales fell 92.5% last year.
Does it make a profit?
301.4%
Yes. It keeps 301.4% of every sale as profit.
How lean are its costs?
1,301.4%
Costly. Running costs take 1,301.4% of revenue.
How much does it earn on its capital?
4.9%
Low. It earns 4.9% a year on shareholders’ money.
How is the share priced?
16.2x
One share costs 16.2 times its yearly profit per share.
What Beacon Financial Corp does
No business description yet.
- Fiscal year ends
- December 31, 2025
- Latest annual report
- 10-K · Mar 2, 2026
- Legal name
- Beacon Financial Corp
- CIK
- 0001108134
Beacon Financial Corp · BBT
Results and finances
The last 5 fiscal years. Amounts in USD.
| Fiscal year | FY21 | FY22 | FY23 | FY24 | FY25 |
|---|---|---|---|---|---|
| Sales and profit | |||||
| Revenue | $434M | $414M | $412M | $400M | $29.9M |
| Revenue growth | 13.4% | −4.8% | −0.4% | −2.9% | −92.5% |
| Net interest income | $291M | $345M | $340M | $330M | $503M |
| Net income | $119M | $92.5M | $75.0M | $68.7M | $90.3M |
| Net margin | 27.3% | 22.4% | 18.2% | 17.2% | 301.4% |
| Diluted EPS | $2.39 | $2.02 | $0.85 | $0.77 | $1.03 |
| Cash | |||||
| Cash from operations | $84.8M | $111M | $117M | $105M | $224M |
| Capital expenditure | $1.6M | $1.5M | $12.4M | $5.0M | $12.3M |
| Free cash flow | $83.2M | $109M | $104M | $100.0M | $212M |
| FCF margin | 19.1% | 26.4% | 25.3% | 25.0% | 708.4% |
| Dividends paid | $24.6M | $24.5M | $47.9M | $48.1M | $63.1M |
| Share buybacks | $68.7M | $125M | $23.8M | $17.5M | — |
| Share count change | −1.4% | −7.3% | 92.6% | 1.0% | −1.8% |
| Debt and strength | |||||
| Cash and short-term investments | $1.6B | $383M | $133M | $544M | $2.0B |
| Debt incl. finance leases | $121M | $135M | $515M | $1.6B | $788M |
| Loans, net | $6.7B | $8.2B | $8.9B | $9.7B | $17.8B |
| Deposits | $10.1B | $10.3B | $10.6B | $8.9B | $19.5B |
| Shareholders' equity | $1.2B | $992M | $1.2B | $1.2B | $2.5B |
| Returns and quality | |||||
| Return on equity | 10.0% | 8.5% | 6.8% | 5.7% | 4.9% |
| Return on tangible equity | 10.3% | 9.6% | 8.0% | 7.1% | 4.6% |
| Efficiency ratio | 65.8% | 69.8% | 58.2% | 60.5% | 1,301.4% |
| Piotroski F-score | 6 | 4 | 3 | 4 | 5 |
Insiders bought, 12 months
$0.4M
4 insiders
Insiders sold, 12 months
$0.6M
2 insiders
Of sales under plans
0%
$0.0M
How to read these numbers
- Revenue:
- Total sales reported in the income statement.
- Net income:
- Profit after all expenses, interest and tax.
- Efficiency ratio:
- Noninterest expense as a share of revenue. Lower is better for banks.
- Return on equity:
- Net income as a share of average shareholders' equity.
- Return on tangible equity:
- Net income to common over equity minus goodwill and intangibles.
- Diluted EPS:
- Net income per diluted share.
Beacon Financial Corp · BBT
Charts and comparison
Ten years at a glance, and how it stacks up against similar companies.
Revenue
Net income
Return on equity and efficiency ratio
Loans and deposits
Dividends and buybacks
Diluted EPS
KIRA
At $30.86 a share, the company is worth $2.6B: 16.2 times its earnings of the last four quarters.
Source: SEC EDGAR XBRL filings (CIK 0001108134). Data updated October 24, 2026. For information only — not investment advice. Check the original filings before relying on any figure.