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Beacon Financial (BBT) Financials

Beacon Financial logo
$28.95 +0.12 (+0.41%)
Closing price 03:59 PM Eastern
Extended Trading
$28.96 +0.02 (+0.06%)
As of 04:10 PM Eastern
Extended trading is trading that happens on electronic markets outside of regular trading hours. This is a fair market value extended hours price provided by Massive. Learn more.
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Annual Income Statements for Beacon Financial

Annual Income Statements for Beacon Financial

This table shows Beacon Financial's income and expenses over time, based on annual financial data. All values are USD millions unless otherwise specified.

Metric 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025
Period end date 12/31/2015 12/31/2016 12/31/2017 12/31/2018 12/31/2019 12/31/2020 12/31/2021 12/31/2022 12/31/2023 12/31/2024 12/31/2025
Net Income / (Loss) Attributable to Common Shareholders		 50 59 55 105 96 -533 -7.55 157 75 69 90
Consolidated Net Income / (Loss)		 50 59 55 106 97 -533 -7.55 157 75 69 90
Net Income / (Loss) Continuing Operations		 50 59 49 109 102 -513 119 93 75 69 90
Total Pre-Tax Income 		55 77 91 138 124 -533 23 114 94 92 122
Total Revenue		 268 298 365 431 526 453 309 478 372 355 553
Net Interest Income / (Expense)		 214 232 291 356 365 317 291 345 340 330 503
Total Interest Income		 247 280 355 466 510 410 329 387 577 629 833
Loans and Leases Interest Income		 211 243 303 406 449 358 282 335 534 588 768
Investment Securities Interest Income		 36 38 52 60 61 52 47 52 44 41 65
Total Interest Expense		 33 48 64 110 144 93 38 43 238 299 330
Deposits Interest Expense		 23 31 44 78 115 73 27 33 176 233 281
Long-Term Debt Interest Expense		 10 17 20 31 29 20 11 9.22 62 66 49
Total Non-Interest Income		 54 66 74 74 84 66 143 69 32 26 50
Other Service Charges		 52 -3.29 -3.38 78 155 143 18 135 24 23 43
Net Realized & Unrealized Capital Gains on Investments		 2.11 0.53 6.27 -3.26 5.74 -6.28 - 0.01 8.18 2.61 7.04
Provision for Credit Losses		 17 17 21 25 35 76 - 11 38 22 41
Total Non-Interest Expense		 197 203 253 267 290 840 286 289 240 242 390
Salaries and Employee Benefits		 97 105 120 134 141 148 151 153 139 144 191
Net Occupancy & Equipment Expense		 45 47 56 64 66 76 76 73 47 49 75
Marketing Expense		 3.31 3.16 6.53 4.70 4.47 3.70 2.75 5.10 4.72 5.24 5.98
Property & Liability Insurance Claims		 4.65 5.07 6.46 5.73 3.86 5.88 3.76 - 7.84 8.04 7.81
Other Operating Expenses		 43 40 60 53 41 41 42 44 26 24 33
Amortization Expense		 3.56 2.93 3.49 4.93 5.78 6.18 5.20 5.13 7.84 6.75 15
Restructuring Charge		 - - - - 28 5.84 5.78 8.91 7.41 4.20 62
Income Tax Expense		 5.06 19 42 0.00 22 -20 30 21 19 23 32
Basic Earnings per Share		 $1.74 $1.89 $1.40 $2.30 $1.98 ($10.60) $2.41 $2.03 $0.85 $0.77 $1.03
Weighted Average Basic Shares Outstanding		 28.39M 30.99M 39.46M 46.02M 49.26M 50.27M 49.24M 45.56M 88.23M 88.98M 87.38M
Diluted Earnings per Share		 $1.73 $1.88 $1.39 $2.29 $1.97 ($10.60) $2.39 $2.02 $0.85 $0.77 $1.03
Weighted Average Diluted Shares Outstanding		 28.56M 31.17M 39.70M 46.23M 49.42M 50.27M 49.55M 45.91M 88.45M 89.30M 87.70M
Weighted Average Basic & Diluted Shares Outstanding		 28.50M 31M 39.30M 45.60M 50.20M 51.04M 48.38M 44.47M 43.62M 46.40M 83.82M
Cash Dividends to Common per Share		 $0.76 $0.80 $0.84 $0.88 $0.92 $0.72 $0.48 $0.54 $0.54 $0.54 $0.73

Quarterly Income Statements for Beacon Financial

This table shows Beacon Financial's income and expenses over time, based on quarterly financial data. All values are USD millions unless otherwise specified.

Metric Q3 2023 Q4 2023 Q1 2024 Q2 2024 Q3 2024 Q4 2024 Q1 2025 Q2 2025 Q3 2025 Q4 2025 Q1 2026
Period end date 9/30/2023 12/31/2023 3/31/2024 6/30/2024 9/30/2024 12/31/2024 3/31/2025 6/30/2025 9/30/2025 12/31/2025 3/31/2026
Net Income / (Loss) Attributable to Common Shareholders		 36 14 -4.64 41 20 38 19 49 -50 48 46
Consolidated Net Income / (Loss)		 36 14 -4.64 41 20 38 19 49 -50 48 46
Net Income / (Loss) Continuing Operations		 20 -1.45 -20 24 20 20 19 30 -50 84 46
Total Pre-Tax Income 		23 -5.95 -26 31 27 27 25 42 -72 118 66
Total Revenue		 124 95 71 125 89 129 91 132 145 148 215
Net Interest Income / (Expense)		 90 88 88 89 83 87 86 92 133 189 191
Total Interest Income		 148 151 152 154 160 151 154 151 216 317 292
Loans and Leases Interest Income		 133 135 137 139 150 138 143 138 198 296 267
Investment Securities Interest Income		 15 15 15 15 9.92 13 10 13 18 21 25
Total Interest Expense		 58 62 64 66 77 64 68 60 84 128 102
Deposits Interest Expense		 44 53 57 57 60 56 53 53 72 103 93
Long-Term Debt Interest Expense		 14 9.26 7.00 8.54 17 7.96 14 6.93 12 25 8.55
Total Non-Interest Income		 17 -26 -33 20 6.35 6.49 5.66 22 12 -23 24
Other Service Charges		 35 31 33 37 5.93 42 5.57 40 11 -46 20
Net Realized & Unrealized Capital Gains on Investments		 0.00 -25 -50 0.00 0.42 0.17 0.09 0.00 1.81 5.23 3.46
Provision for Credit Losses		 8.00 7.00 6.00 6.50 4.66 6.00 5.99 4.00 88 -56 7.95
Total Non-Interest Expense		 77 79 76 71 58 78 60 68 129 122 141
Salaries and Employee Benefits		 40 40 41 40 35 39 36 39 50 61 70
Net Occupancy & Equipment Expense		 19 20 19 18 12 18 13 17 18 22 33
Marketing Expense		 1.55 1.11 1.12 0.53 0.86 2.01 0.87 1.54 1.58 1.59 1.68
Property & Liability Insurance Claims		 - - - - 2.12 - 2.04 - 1.97 - 4.32
Other Operating Expenses		 12 13 11 11 6.00 11 6.13 7.72 8.26 7.66 11
Amortization Expense		 1.21 1.21 1.21 1.14 1.67 1.13 1.43 1.13 3.59 9.38 8.33
Restructuring Charge		 2.61 3.67 3.62 -0.38 0.00 6.56 0.97 1.49 46 - 13
Income Tax Expense		 3.74 -4.51 -6.29 7.21 6.61 6.95 6.38 11 -22 33 20
Basic Earnings per Share		 $0.45 ($0.02) ($0.47) $0.57 $0.23 $0.45 $0.21 $0.66 ($0.57) $0.38 $0.55
Weighted Average Basic Shares Outstanding		 43.16M 43.29M 42.78M 42.44M 89.03M 42.51M 89.10M 45.76M 87.51M 87.38M 83.82M
Diluted Earnings per Share		 $0.45 ($0.03) ($0.47) $0.57 $0.23 $0.45 $0.21 $0.66 ($0.57) $0.38 $0.55
Weighted Average Diluted Shares Outstanding		 43.35M 43.50M 43.03M 42.51M 89.32M 42.76M 89.57M 46.01M 87.51M 87.70M 83.90M
Weighted Average Basic & Diluted Shares Outstanding		 43.67M 43.62M 43.29M 42.98M 42.98M 46.40M 46.31M 46.39M 83.91M 83.82M 83.82M
Cash Dividends to Common per Share		 $0.18 - $0.18 $0.18 $0.14 - $0.14 $0.18 $0.32 $0.05 $0.32

Annual Cash Flow Statements for Beacon Financial

This table details how cash moves in and out of Beacon Financial's business through operations, investing, and financing, using annual figures. All values are USD millions unless otherwise specified.

Metric 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025
Period end date 12/31/2015 12/31/2016 12/31/2017 12/31/2018 12/31/2019 12/31/2020 12/31/2021 12/31/2022 12/31/2023 12/31/2024 12/31/2025
Net Change in Cash & Equivalents		 32 9.51 136 -66 397 978 70 -942 -250 411 1,498
Net Cash From Operating Activities		 86 98 78 222 112 228 85 111 117 105 224
Net Cash From Continuing Operating Activities		 86 98 109 167 130 124 85 111 117 105 224
Net Income / (Loss) Continuing Operations		 50 59 110 212 102 -513 119 93 75 69 90
Consolidated Net Income / (Loss)		 50 59 104 215 97 -533 119 93 75 69 90
Provision For Loan Losses		 17 17 21 25 35 - -0.50 11 38 22 41
Depreciation Expense		 8.59 8.39 9.50 10 11 12 11 9.58 8.16 7.89 9.55
Amortization Expense		 -4.46 2.32 -10 -13 13 24 8.67 15 6.33 8.16 14
Non-Cash Adjustments to Reconcile Net Income		 19 6.22 6.85 33 -25 606 -59 -22 2.42 -8.93 76
Changes in Operating Assets and Liabilities, net		 -3.21 5.19 -29 1.46 -5.14 -4.27 5.78 5.17 -14 7.47 -6.06
Net Cash From Investing Activities		 -454 -208 -283 -862 1,203 641 621 -1,261 -665 -140 2,300
Net Cash From Continuing Investing Activities		 -454 -208 -282 -861 1,203 641 621 -1,261 -665 -140 2,300
Purchase of Property, Leasehold Improvements and Equipment		 -7.34 -9.10 -11 -9.35 -11 -7.21 -1.61 -1.50 -12 -4.99 -12
Purchase of Investment Securities		 -752 -817 -689 -1,180 427 -7.46 -1,027 -2,165 -414 -187 -94
Sale and/or Maturity of Investments		 314 618 513 328 675 656 719 906 716 318 1,836
Other Investing Activities, net		 - - -468 - - - 1,283 0.00 -956 -266 570
Net Cash From Financing Activities		 400 119 341 574 -917 109 -636 208 299 445 -1,027
Net Cash From Continuing Financing Activities		 400 119 341 574 -917 109 -636 208 299 445 -1,027
Net Change in Deposits		 476 141 419 234 24 500 -133 258 457 352 328
Issuance of Debt		 8,566 9,365 5,978 4,768 5,385 326 0.00 149 6,155 1,643 1,058
Repayment of Debt		 -8,620 -9,365 -6,175 -4,387 -6,229 -583 -462 -135 -6,264 -1,500 -2,347
Payment of Dividends		 -22 -25 -33 -41 -45 -37 -25 -25 -48 -48 -63
Other Financing Activities, Net		 0.41 3.71 -1.37 0.33 0.19 -97 52 84 -1.39 -2.05 -2.37
Cash Interest Paid		 9.97 17 21 32 33 21 11 9.04 238 291 329
Cash Income Taxes Paid		 0.43 16 18 3.03 20 -14 15 28 8.63 13 15

Quarterly Cash Flow Statements for Beacon Financial

This table details how cash moves in and out of Beacon Financial's business through operations, investing, and financing, using quarterly figures. All values are USD millions unless otherwise specified.

Metric Q3 2023 Q4 2023 Q1 2024 Q2 2024 Q3 2024 Q4 2024 Q1 2025 Q2 2025 Q3 2025 Q4 2025 Q1 2026
Period end date 9/30/2023 12/31/2023 3/31/2024 6/30/2024 9/30/2024 12/31/2024 3/31/2025 6/30/2025 9/30/2025 12/31/2025 3/31/2026
Net Change in Cash & Equivalents		 23 540 -9.55 -93 -530 558 -186 -24 1,003 821 -929
Net Cash From Operating Activities		 35 52 6.86 35 47 37 8.01 39 -4.77 167 -14
Net Cash From Continuing Operating Activities		 35 52 6.86 35 47 37 8.01 39 -4.77 167 -14
Net Income / (Loss) Continuing Operations		 20 -1.45 -20 24 38 20 19 30 -65 99 46
Consolidated Net Income / (Loss)		 20 -1.45 -20 24 38 20 19 30 -65 99 46
Provision For Loan Losses		 8.00 7.00 6.00 6.50 5.50 6.00 5.99 4.00 91 -59 7.95
Depreciation Expense		 2.08 2.04 1.94 1.80 1.68 1.57 1.83 1.45 3.18 3.42 3.31
Amortization Expense		 3.27 4.87 2.71 0.92 2.21 1.74 -0.99 0.22 -12 25 -4.69
Non-Cash Adjustments to Reconcile Net Income		 -3.80 40 21 0.11 1.50 2.72 2.45 5.18 4.93 77 8.87
Changes in Operating Assets and Liabilities, net		 6.37 0.11 -4.11 1.40 -1.51 5.02 -20 -2.69 -27 22 -76
Net Cash From Investing Activities		 -51 254 292 -180 -306 -122 173 -41 2,029 360 52
Net Cash From Continuing Investing Activities		 -51 254 292 -180 -306 -122 173 -41 2,029 360 52
Purchase of Property, Leasehold Improvements and Equipment		 - -1.07 -0.24 -0.32 -0.47 -3.55 0.48 -2.21 1.14 -7.84 -2.25
Purchase of Investment Securities		 -213 -119 -143 -250 -107 -259 -3.36 -112 1,269 -1,108 -160
Sale and/or Maturity of Investments		 163 374 435 67 118 140 54 73 474 1,191 148
Other Investing Activities, net		 - - - - -317 - 122 - 285 285 66
Net Cash From Financing Activities		 38 233 -308 52 -271 644 -367 -21 -1,022 294 -967
Net Cash From Continuing Financing Activities		 38 233 -308 52 -271 644 -367 -21 -1,022 294 -967
Net Change in Deposits		 -88 653 -266 -272 -135 798 9.70 99 115 609 -1,223
Issuance of Debt		 1,585 441 202 856 150 1.00 256 311 -20 267 1,169
Repayment of Debt		 -1,455 -860 -250 -503 -254 -270 -620 -410 -1,124 -559 -885
Payment of Dividends		 -7.90 -7.85 0.00 -16 0.13 -15 -12 -8.35 -19 -27 -27
Other Financing Activities, Net		 7.46 14 9.70 0.85 -32 31 -0.61 -12 27 4.33 0.00
Cash Interest Paid		 13 10 7.24 9.20 9.35 9.00 69 6.73 202 115 101
Cash Income Taxes Paid		 0.11 4.56 1.00 3.48 -4.12 -1.79 1.62 4.96 8.08 1.15 3.68

Annual Balance Sheets for Beacon Financial

This table presents Beacon Financial's assets and liabilities at the end of each period, using annual balance sheet data. All values are USD millions unless otherwise specified.

Metric 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025
Period end date 12/31/2015 12/31/2016 12/31/2017 12/31/2018 12/31/2019 12/31/2020 12/31/2021 12/31/2022 12/31/2023 12/31/2024 12/31/2025
Total Assets		 7,831 9,163 11,571 12,212 13,216 12,838 11,555 11,663 12,431 11,905 23,220
Cash and Due from Banks		 104 113 249 183 580 1,558 1,628 685 1,203 544 2,042
Trading Account Securities		 1,385 1,749 2,052 1,921 1,770 2,223 2,549 2,026 1,607 895 1,689
Loans and Leases, Net of Allowance		 5,686 6,506 8,248 8,982 -64 7,954 6,720 8,239 8,934 9,654 17,777
Loans and Leases		 5,725 6,550 8,299 9,043 - 8,082 6,826 8,335 9,040 9,779 18,030
Allowance for Loan and Lease Losses		 39 44 52 61 64 127 106 96 105 125 253
Premises and Equipment, Net		 88 93 109 108 - 113 94 85 69 87 162
Goodwill		 324 403 519 518 554 - - - - 241 352
Intangible Assets		 11 19 38 33 46 35 30 24 20 17 190
Other Assets		 234 279 355 490 10,268 937 529 595 595 467 1,010
Total Liabilities & Shareholders' Equity		 7,831 9,163 11,571 12,212 13,216 12,838 11,555 11,663 12,431 11,905 23,220
Total Liabilities		 6,944 8,069 10,074 10,659 11,457 11,650 10,372 10,709 11,419 10,683 20,724
Interest Bearing Deposits		 5,589 6,622 8,750 8,982 10,336 10,216 10,069 10,327 10,633 8,918 19,515
Long-Term Debt		 192 232 470 399 703 532 111 126 247 1,520 788
Other Long-Term Liabilities		 91 133 188 159 320 863 193 256 279 246 421
Commitments & Contingencies		 - - - - - - - - - 0.00 0.00
Total Equity & Noncontrolling Interests		 887 1,093 1,496 1,553 1,759 1,188 1,182 954 1,012 1,222 2,496
Total Preferred & Common Equity		 887 1,093 1,496 1,553 1,759 1,188 1,182 954 1,012 1,222 2,496
Total Common Equity		 887 1,093 1,456 1,512 1,718 1,188 1,182 954 1,012 1,222 2,496
Common Stock		 743 899 1,243 1,245 1,423 1,428 1,424 1,425 1,424 904 2,173
Retained Earnings		 184 217 239 309 361 -233 -139 -71 -33 459 486
Treasury Stock		 -29 -27 -24 -22 -70 -31 -90 -210 -225 -88 -143
Accumulated Other Comprehensive Income / (Loss)		 -3.31 9.77 4.16 -13 12 31 -3.24 -181 -143 -53 -20

Quarterly Balance Sheets for Beacon Financial

This table presents Beacon Financial's assets and liabilities at the end of each period, using quarterly balance sheet data. All values are USD millions unless otherwise specified.

Metric Q3 2022 Q1 2023 Q2 2023 Q3 2023 Q1 2024 Q2 2024 Q3 2024 Q1 2025 Q2 2025 Q3 2025 Q1 2026
Period end date 9/30/2022 3/31/2023 6/30/2023 9/30/2023 3/31/2024 6/30/2024 9/30/2024 3/31/2025 6/30/2025 9/30/2025 3/31/2026
Total Assets		 11,317 12,320 12,090 12,140 12,147 12,219 11,605 12,013 12,035 22,821 22,228
Cash and Due from Banks		 695 1,007 641 663 1,194 1,100 570 826 803 1,221 1,113
Trading Account Securities		 2,083 2,002 1,923 1,832 1,176 1,150 1,193 1,169 1,147 1,739 1,719
Loans and Leases, Net of Allowance		 7,847 8,584 8,782 8,882 8,978 9,116 9,100 9,312 9,381 17,988 17,680
Loans and Leases		 7,943 8,682 8,882 8,984 9,086 9,229 9,212 9,429 9,499 18,242 17,924
Allowance for Loan and Lease Losses		 96 98 100 103 107 112 112 117 117 254 245
Premises and Equipment, Net		 87 79 77 70 58 56 55 58 58 243 246
Goodwill		 - - - - - - - - - 353 355
Intangible Assets		 26 23 22 21 18 17 16 14 13 198 181
Other Assets		 571 624 637 670 716 727 620 633 628 996 934
Total Liabilities & Shareholders' Equity		 11,317 12,320 12,090 12,140 12,147 12,219 11,605 12,013 12,035 22,821 22,228
Total Liabilities		 10,375 11,324 11,117 11,189 11,137 11,207 10,534 10,816 10,812 20,406 19,723
Interest Bearing Deposits		 9,988 10,068 10,068 9,981 9,883 9,621 9,577 9,880 9,979 18,915 18,292
Long-Term Debt		 125 126 326 256 249 279 354 285 226 1,081 1,073
Other Long-Term Liabilities		 261 231 253 283 795 774 250 252 248 411 358
Commitments & Contingencies		 - - - - - - - - - 0.00 0.00
Total Equity & Noncontrolling Interests		 943 995 973 951 1,010 1,013 1,070 1,197 1,222 2,415 2,505
Total Preferred & Common Equity		 943 995 973 951 1,010 1,013 1,070 1,197 1,222 2,415 2,505
Total Common Equity		 943 995 973 951 1,010 1,013 1,070 1,197 1,222 2,415 2,505
Common Stock		 1,425 1,425 1,424 1,424 1,423 1,422 1,422 1,431 1,431 2,173 2,174
Retained Earnings		 -94 -51 -35 -24 -61 -45 -15 14 36 414 505
Treasury Stock		 -189 -208 -215 -219 -226 -235 -235 -145 -147 -142 -143
Accumulated Other Comprehensive Income / (Loss)		 -188 -159 -186 -218 -114 -115 -89 -95 -91 -29 -31

Annual Metrics And Ratios for Beacon Financial

This table displays calculated financial ratios and metrics derived from Beacon Financial's official financial filings.

Metric 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025
Period end date 12/31/2015 12/31/2016 12/31/2017 12/31/2018 12/31/2019 12/31/2020 12/31/2021 12/31/2022 12/31/2023 12/31/2024 12/31/2025
DEI Shares Outstanding		 - - - - - - - - - - 83,908,861.00
DEI Adjusted Shares Outstanding		 - - - - - - - - - - 83,908,861.00
DEI Earnings Per Adjusted Shares Outstanding		 - - - - - - - - - - 1.08
Growth Metrics		 - - - - - - - - - - -
Revenue Growth		 18.40% 11.18% 22.50% 17.88% 22.20% -13.88% -31.87% 54.69% -0.09% -1.80% 55.69%
EBITDA Growth		 13.17% 50.16% 2.73% 50.16% 64.93% -290.49% 109.95% 375.77% -17.37% -2.69% 34.57%
EBIT Growth		 19.94% 41.90% 17.75% 51.51% 45.32% -330.59% 104.93% 679.68% -19.24% 3.09% 32.91%
NOPAT Growth		 46.75% 18.48% -16.28% 181.33% -26.53% -467.53% 97.98% 1,325.44% -24.79% -12.35% 31.37%
Net Income Growth		 46.75% 18.48% -5.83% 91.44% -7.86% -646.96% 98.58% 2,172.94% -13.83% -3.97% 31.37%
EPS Growth		 27.21% 8.67% -26.06% 64.75% -13.97% -638.07% 122.55% -15.48% -20.79% -10.63% 33.77%
Operating Cash Flow Growth		 54.57% 13.74% -20.43% 184.61% -49.82% 104.12% -62.75% 30.61% 41.92% -20.33% 113.85%
Free Cash Flow Firm Growth		 -2,472.78% 41.62% 10.70% -69.12% 295.89% -22.62% 1.10% -33.22% -220.70% 93.05% 60.81%
Invested Capital Growth		 22.08% 11.94% 9.39% 16.61% -15.78% -31.97% -26.49% -16.52% 40.69% 5.71% 19.79%
Revenue Q/Q Growth		 3.93% 1.67% -4.07% 12.59% 3.08% 6.50% -42.60% 125.17% 7.94% 42.14% -5.93%
EBITDA Q/Q Growth		 -9.57% 7.94% -12.73% 14.54% 18.12% 4.62% -83.69% 546.87% -3.62% 553.22% 10.55%
EBIT Q/Q Growth		 5.84% -8.93% 0.27% 8.24% 15.65% 4.43% -90.86% 333.85% -3.94% 2,101.70% -2.19%
NOPAT Q/Q Growth		 10.28% -8.83% -28.18% 66.06% -11.65% -7.88% -105.87% 310.65% -37.89% 52.89% 110.57%
Net Income Q/Q Growth		 10.28% -8.83% -19.22% 19.24% 13.37% -5.52% -105.21% 251.73% 37.59% 39,232.93% -21.65%
EPS Q/Q Growth		 4.85% -10.90% -24.86% 24.46% 11.30% -1.83% 3.46% 16.76% -30.74% 50.53% -41.14%
Operating Cash Flow Q/Q Growth		 0.75% 3.37% -12.73% 6.37% 151.85% -24.77% -26.54% 22.41% 23.53% -11.17% 85.88%
Free Cash Flow Firm Q/Q Growth		 15.26% -211.99% 72.10% -38.49% 41.58% -16.89% -36.44% 73.10% 46.93% -118.50% 72.99%
Invested Capital Q/Q Growth		 -1.50% 16.26% -5.04% -0.06% -6.75% -6.50% 0.34% 1.08% -19.07% -9.68% -6.04%
Profitability Metrics		 - - - - - - - - - - -
EBITDA Margin		 21.90% 29.57% 24.80% 31.59% 42.64% -94.31% 13.77% 42.35% 35.02% 34.70% 26.22%
EBIT Margin		 20.36% 25.98% 24.97% 32.10% 38.17% -102.20% 7.39% 37.24% 30.10% 31.60% 22.04%
Profit (Net Income) Margin		 18.47% 19.68% 15.13% 24.57% 18.52% -117.64% -2.45% 32.78% 28.27% 27.65% 16.32%
Tax Burden Percent		 90.72% 75.75% 60.58% 76.54% 78.60% 100.00% -33.11% 137.52% 172.21% 162.90% 74.08%
Interest Burden Percent		 100.00% 100.00% 100.00% 100.00% 61.74% 115.12% 100.00% 64.01% 54.54% 53.71% 100.00%
Effective Tax Rate		 9.28% 24.25% 46.15% 0.00% 18.12% 0.00% 133.11% 18.70% 11.14% 23.28% 25.92%
Return on Invested Capital (ROIC)		 2.53% 2.57% 1.95% 4.85% 3.59% -17.17% -0.49% 7.80% 5.36% 3.91% 3.00%
ROIC Less NNEP Spread (ROIC-NNEP)		 2.53% 2.57% 2.45% 2.40% 3.24% -40.03% -0.49% 61.95% 26.01% 18.41% 3.00%
Return on Net Nonoperating Assets (RNNOA)		 3.67% 3.35% 2.32% 2.09% 2.30% -19.01% -0.14% 6.85% 8.36% 7.98% 1.86%
Return on Equity (ROE)		 6.20% 5.92% 4.27% 6.94% 5.89% -36.18% -0.64% 14.65% 13.72% 11.89% 4.86%
Cash Return on Invested Capital (CROIC)		 -17.35% -8.69% -7.02% -10.49% 20.72% 20.88% 30.04% 25.81% -28.45% -1.65% -15.01%
Operating Return on Assets (OROA)		 0.76% 0.91% 0.88% 1.16% 1.58% -3.55% 0.19% 1.53% 1.19% 1.20% 0.69%
Return on Assets (ROA)		 0.69% 0.69% 0.53% 0.89% 0.77% -4.09% -0.06% 1.35% 1.12% 1.05% 0.51%
Return on Common Equity (ROCE)		 6.20% 5.92% 4.20% 6.75% 5.74% -35.68% -0.64% 14.65% 13.72% 11.89% 4.86%
Return on Equity Simple (ROE_SIMPLE)		 5.58% 5.37% 3.69% 6.81% 5.54% -44.88% -0.64% 16.41% 13.33% 11.10% 3.62%
Net Operating Profit after Tax (NOPAT)		 50 59 49 138 102 -373 -7.55 93 70 61 90
NOPAT Margin		 18.47% 19.68% 13.45% 32.10% 19.30% -82.35% -2.45% 19.38% 14.59% 13.02% 16.32%
Net Nonoperating Expense Percent (NNEP)		 0.00% 0.00% -0.50% 2.44% 0.35% 22.86% 0.00% -54.15% -20.66% -14.51% 0.00%
SG&A Expenses to Revenue		 54.47% 51.95% 50.03% 47.10% 40.20% 50.16% 74.16% 48.39% 50.78% 50.55% 49.14%
Operating Expenses to Revenue		 73.41% 68.20% 69.27% 61.99% 55.10% 185.45% 92.61% 60.46% 63.19% 63.28% 70.48%
Earnings before Interest and Taxes (EBIT)		 55 77 91 138 201 -463 23 178 144 148 122
Earnings before Interest, Taxes, Depreciation and Amortization (EBITDA)		 59 88 91 136 224 -427 43 202 167 163 145
Valuation Ratios		 - - - - - - - - - - -
Price to Book Value (P/BV)		 0.80 0.85 0.94 0.69 0.84 0.67 1.09 1.32 1.03 1.04 0.88
Price to Tangible Book Value (P/TBV)		 1.28 1.39 1.53 1.08 1.28 0.69 1.12 1.35 1.05 1.05 1.12
Price to Revenue (P/Rev)		 2.64 3.12 3.76 2.41 2.73 1.76 4.19 2.64 2.19 2.59 3.96
Price to Earnings (P/E)		 14.30 15.84 24.92 9.90 14.87 0.00 0.00 8.04 7.76 9.37 24.25
Dividend Yield		 3.32% 2.68% 2.77% 3.85% 3.20% 4.58% 2.26% 1.93% 3.00% 2.55% 3.31%
Earnings Yield		 6.99% 6.31% 4.01% 10.10% 6.73% 0.00% 0.00% 12.44% 12.89% 10.67% 4.12%
Enterprise Value to Invested Capital (EV/IC)		 0.87 0.88 0.87 0.79 0.67 0.00 0.00 0.65 0.23 0.33 0.29
Enterprise Value to Revenue (EV/Rev)		 6.97 7.15 6.30 5.61 3.28 0.00 0.00 1.46 0.73 1.12 1.69
Enterprise Value to EBITDA (EV/EBITDA)		 31.81 24.16 25.40 17.74 7.68 0.00 0.00 3.45 2.09 3.22 6.45
Enterprise Value to EBIT (EV/EBIT)		 34.22 27.50 25.22 17.46 8.58 0.00 0.00 3.93 2.44 3.54 7.68
Enterprise Value to NOPAT (EV/NOPAT)		 37.72 36.31 46.84 17.46 16.97 0.00 0.00 7.55 5.03 8.59 10.37
Enterprise Value to Operating Cash Flow (EV/OCF)		 21.65 21.70 29.46 10.86 15.45 0.00 0.00 6.31 2.23 4.18 4.17
Enterprise Value to Free Cash Flow (EV/FCFF)		 0.00 0.00 0.00 0.00 2.94 0.00 0.00 2.28 0.00 0.00 0.00
Leverage & Solvency		 - - - - - - - - - - -
Debt to Equity		 1.42 1.20 0.76 0.98 0.47 0.48 0.09 0.13 0.50 0.38 0.32
Long-Term Debt to Equity		 0.22 0.21 0.31 0.26 0.40 0.45 0.09 0.13 0.24 0.29 0.32
Financial Leverage		 1.45 1.30 0.95 0.87 0.71 0.47 0.29 0.11 0.32 0.43 0.62
Leverage Ratio		 8.98 8.58 8.01 7.80 7.68 8.84 10.29 10.87 12.25 11.33 9.45
Compound Leverage Factor		 8.98 8.58 8.01 7.80 4.74 10.18 10.29 6.96 6.68 6.09 9.45
Debt to Total Capital		 58.75% 54.58% 43.18% 49.43% 32.00% 32.49% 8.57% 11.63% 33.35% 27.29% 24.00%
Short-Term Debt to Total Capital		 49.81% 44.95% 25.34% 36.44% 4.83% 2.27% 0.00% 0.00% 17.12% 6.45% 0.00%
Long-Term Debt to Total Capital		 8.93% 9.64% 17.84% 12.99% 27.17% 30.22% 8.57% 11.63% 16.24% 20.84% 24.00%
Preferred Equity to Total Capital		 0.00% 0.00% 1.54% 1.32% 1.57% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Noncontrolling Interests to Total Capital		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Common Equity to Total Capital		 41.25% 45.42% 55.28% 49.25% 66.43% 67.51% 91.43% 88.37% 66.65% 72.71% 76.00%
Debt to EBITDA		 21.52 14.90 12.55 11.16 3.69 -1.34 2.61 0.62 3.03 2.69 5.44
Net Debt to EBITDA		 19.75 13.62 9.81 9.81 1.10 2.31 -35.69 -2.77 -4.17 -4.25 -8.64
Long-Term Debt to EBITDA		 3.27 2.63 5.19 2.93 3.13 -1.24 2.61 0.62 1.48 2.06 5.44
Debt to NOPAT		 25.51 22.40 23.15 10.98 8.15 -1.53 -14.68 1.36 7.28 7.18 8.73
Net Debt to NOPAT		 23.42 20.47 18.09 9.66 2.44 2.64 200.90 -6.05 -10.01 -11.32 -13.88
Long-Term Debt to NOPAT		 3.88 3.95 9.56 2.89 6.92 -1.42 -14.68 1.36 3.54 5.48 8.73
Noncontrolling Interest Sharing Ratio		 0.00% 0.00% 1.57% 2.67% 2.45% 1.38% 0.00% 0.00% 0.00% 0.00% 0.00%
Liquidity Ratios		 - - - - - - - - - - -
Cash Flow Metrics		 - - - - - - - - - - -
Free Cash Flow to Firm (FCFF)		 -339 -198 -177 -299 586 454 459 306 -370 -26 -452
Operating Cash Flow to CapEx		 1,698.92% 1,105.83% 693.77% 2,377.30% 1,055.61% 3,158.17% 5,279.45% 7,407.29% 8,634.95% 2,740.94% 1,826.53%
Free Cash Flow to Firm to Interest Expense		 -10.23 -4.11 -2.76 -2.73 4.06 4.88 12.10 7.18 -1.78 -0.10 -1.37
Operating Cash Flow to Interest Expense		 2.60 2.04 1.22 2.03 0.77 2.45 2.24 2.60 0.76 0.48 0.68
Operating Cash Flow Less CapEx to Interest Expense		 2.45 1.85 1.04 1.94 0.70 2.37 2.19 2.56 0.75 0.46 0.64
Efficiency Ratios		 - - - - - - - - - - -
Asset Turnover		 0.04 0.04 0.04 0.04 0.04 0.03 0.03 0.04 0.04 0.04 0.03
Fixed Asset Turnover		 3.06 3.29 3.61 3.95 0.00 0.00 2.98 5.32 6.19 7.47 3.33
Capital & Investment Metrics		 - - - - - - - - - - -
Invested Capital		 2,151 2,407 2,633 3,071 2,586 1,759 1,293 1,080 1,519 1,606 3,284
Invested Capital Turnover		 0.14 0.13 0.14 0.15 0.19 0.21 0.20 0.40 0.37 0.30 0.18
Increase / (Decrease) in Invested Capital		 389 257 226 437 -485 -827 -466 -214 439 87 543
Enterprise Value (EV)		 1,868 2,130 2,300 2,413 1,723 -187 -224 699 350 524 936
Market Capitalization		 708 929 1,371 1,038 1,435 799 1,293 1,258 1,046 1,214 2,189
Book Value per Share		 $28.64 $35.07 $32.16 $33.30 $34.40 $23.37 $24.30 $21.19 $23.18 $27.16 $29.75
Tangible Book Value per Share		 $17.84 $21.52 $19.84 $21.15 $22.40 $22.68 $23.69 $20.65 $22.73 $26.81 $23.30
Total Capital		 2,151 2,407 2,633 3,071 2,586 1,759 1,293 1,080 1,519 1,606 3,284
Total Debt		 1,263 1,314 1,137 1,518 828 572 111 126 507 438 788
Total Long-Term Debt		 192 232 470 399 703 532 111 126 247 335 788
Net Debt		 1,160 1,201 888 1,335 248 -986 -1,517 -560 -697 -690 -1,253
Capital Expenditures (CapEx)		 5.08 8.88 11 9.35 11 7.21 1.61 1.50 1.82 4.57 12
Net Nonoperating Expense (NNE)		 0.00 0.00 -6.13 32 4.07 160 0.00 -64 -65 -69 0.00
Net Nonoperating Obligations (NNO)		 1,263 1,314 1,137 1,518 828 572 111 126 507 438 788
Total Depreciation and Amortization (D&A)		 4.13 11 -0.63 -2.17 24 36 20 24 23 15 23
Earnings Adjustments		 - - - - - - - - - - -
Adjusted Basic Earnings per Share		 $1.74 $1.89 $1.40 $2.30 $1.98 ($10.60) $2.41 $2.03 $1.61 $1.44 $1.03
Adjusted Weighted Average Basic Shares Outstanding		 28.39M 30.99M 39.46M 46.02M 49.26M 50.27M 49.24M 45.56M 43.29M 42.51M 87.38M
Adjusted Diluted Earnings per Share		 $1.73 $1.88 $1.39 $2.29 $1.97 ($10.60) $2.39 $2.02 $1.60 $1.43 $1.03
Adjusted Weighted Average Diluted Shares Outstanding		 28.56M 31.17M 39.70M 46.23M 49.42M 50.27M 49.55M 45.91M 43.50M 42.76M 87.70M
Adjusted Basic & Diluted Earnings per Share		 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00
Adjusted Weighted Average Basic & Diluted Shares Outstanding		 31.08M 35.73M 45.37M 45.53M 50.20M 51.04M 48.38M 44.47M 43.62M 46.40M 83.82M
Normalized Net Operating Profit after Tax (NOPAT)		 50 59 49 97 124 19 20 100 75 68 136
Normalized NOPAT Margin		 18.47% 19.68% 13.45% 22.47% 23.66% 4.11% 6.48% 20.89% 15.75% 14.57% 24.59%
Pre Tax Income Margin		 20.36% 25.98% 24.97% 32.10% 23.57% -117.65% 7.39% 23.83% 16.42% 16.97% 22.04%
Debt Service Ratios		 - - - - - - - - - - -
EBIT to Interest Expense		 1.65 1.61 1.42 1.26 1.39 -4.98 0.60 4.17 0.69 0.56 0.37
NOPAT to Interest Expense		 1.49 1.22 0.77 1.26 0.70 -4.01 -0.20 2.17 0.34 0.23 0.27
EBIT Less CapEx to Interest Expense		 1.49 1.42 1.25 1.17 1.32 -5.06 0.56 4.13 0.68 0.55 0.33
NOPAT Less CapEx to Interest Expense		 1.34 1.03 0.59 1.17 0.63 -4.09 -0.24 2.13 0.33 0.22 0.24
Payout Ratios		 - - - - - - - - - - -
Dividend Payout Ratio		 44.23% 42.47% 60.17% 38.66% 46.29% -6.86% -325.16% 15.67% 23.51% 23.89% 69.92%
Augmented Payout Ratio		 45.34% 42.47% 60.17% 38.66% 100.41% -6.95% -1,235.13% 95.22% 41.19% 37.42% 69.92%

Quarterly Metrics And Ratios for Beacon Financial

This table displays calculated financial ratios and metrics derived from Beacon Financial's official financial filings.

Metric Q3 2023 Q4 2023 Q1 2024 Q2 2024 Q3 2024 Q4 2024 Q1 2025 Q2 2025 Q3 2025 Q4 2025 Q1 2026
Period end date 9/30/2023 12/31/2023 3/31/2024 6/30/2024 9/30/2024 12/31/2024 3/31/2025 6/30/2025 9/30/2025 12/31/2025 3/31/2026
DEI Shares Outstanding		 - - - - - - - 46,311,960.00 46,389,917.00 83,908,861.00 83,816,086.00
DEI Adjusted Shares Outstanding		 - - - - - - - 46,311,960.00 46,389,917.00 83,908,861.00 83,816,086.00
DEI Earnings Per Adjusted Shares Outstanding		 - - - - - - - 1.05 -1.08 0.57 0.55
Growth Metrics		 - - - - - - - - - - -
Revenue Growth		 14.92% -49.35% -45.38% -1.27% 15.01% 35.02% 80.63% 5.11% 62.22% 113.31% 134.69%
EBITDA Growth		 50.14% -87.04% -111.39% 0.94% 53.57% 197.87% 960.78% 19.89% -470.83% 167.09% 145.37%
EBIT Growth		 69.02% -92.08% -122.21% 6.68% 64.38% 382.58% 580.82% 24.34% -368.70% 192.85% 158.82%
NOPAT Growth		 4.42% -110.16% -167.07% 0.69% 91.91% 571.64% 238.76% 26.39% -349.78% 88.72% 141.97%
Net Income Growth		 93.65% -86.79% -110.62% -0.63% 51.98% 175.60% 1,042.12% 18.96% -349.43% 290.36% 141.97%
EPS Growth		 7.14% -104.41% -174.60% 3.64% 95.56% 1,600.00% 219.15% 15.79% -347.83% -13.64% 161.90%
Operating Cash Flow Growth		 -54.29% 132.99% -83.27% 23.02% 32.25% -30.02% 239.00% 10.84% -124.04% 285.03% -272.81%
Free Cash Flow Firm Growth		 -429.36% -274.07% 167.82% 93.49% 117.31% 84.88% -172.49% 249.76% -1,583.41% 61.11% -318.99%
Invested Capital Growth		 75.70% 40.69% -27.34% 3.11% -5.28% 5.71% 28.11% -0.88% 96.65% 19.79% 90.14%
Revenue Q/Q Growth		 -2.05% -23.41% -25.44% 76.53% 14.10% -10.08% -0.26% 2.73% 9.89% 1.92% 45.35%
EBITDA Q/Q Growth		 -9.90% -64.10% -138.61% 908.34% 37.08% -30.37% 11.57% 13.59% -230.78% 236.69% -41.19%
EBIT Q/Q Growth		 -11.26% -76.59% -216.74% 539.85% 36.74% -31.27% 16.31% 13.75% -220.26% 213.29% -19.00%
NOPAT Q/Q Growth		 -18.09% -121.32% -344.73% 229.62% 56.12% -47.59% 30.84% 18.07% -265.68% 267.81% -45.26%
Net Income Q/Q Growth		 -11.84% -61.73% -133.43% 981.11% 34.82% -30.60% 14.28% 11.26% -203.37% 195.98% -4.16%
EPS Q/Q Growth		 -18.18% -106.67% -1,466.67% 221.28% 54.39% -48.86% 24.44% 17.86% -186.36% 166.67% 44.74%
Operating Cash Flow Q/Q Growth		 25.50% 47.93% -86.92% 406.54% 34.91% -21.72% -36.63% 65.62% -112.39% 3,607.98% -108.27%
Free Cash Flow Firm Q/Q Growth		 -65.46% 43.80% 220.43% -105.81% 539.90% -149.10% -477.32% 112.01% -3,903.33% 74.09% -260.03%
Invested Capital Q/Q Growth		 6.08% -19.07% -3.31% 24.21% -2.55% -9.68% 17.18% -3.90% 93.35% -6.04% 8.92%
Profitability Metrics		 - - - - - - - - - - -
EBITDA Margin		 36.41% 17.07% -8.84% 40.47% 48.62% 37.65% 42.12% 46.57% -55.43% 74.34% 30.08%
EBIT Margin		 32.12% 9.82% -15.37% 38.30% 45.90% 35.09% 40.92% 45.31% -49.58% 55.12% 30.72%
Profit (Net Income) Margin		 29.11% 14.55% -6.52% 32.56% 38.47% 29.69% 34.02% 36.85% -34.66% 32.64% 21.52%
Tax Burden Percent		 155.65% -232.95% 17.51% 130.81% 114.39% 143.68% 126.34% 117.04% 69.90% 40.99% 70.08%
Interest Burden Percent		 58.24% -63.60% 242.30% 64.98% 73.26% 58.89% 65.81% 69.48% 100.00% 144.46% 100.00%
Effective Tax Rate		 16.07% 0.00% 0.00% 23.08% 22.11% 26.12% 25.62% 26.88% 0.00% 28.23% 29.92%
Return on Invested Capital (ROIC)		 4.71% -1.61% -6.25% 3.31% 4.73% 4.58% 6.29% 6.75% -7.74% 10.49% 5.33%
ROIC Less NNEP Spread (ROIC-NNEP)		 7.89% 4.10% -4.37% 5.41% 6.88% 8.51% 9.43% 9.36% -7.73% 7.35% 5.33%
Return on Net Nonoperating Assets (RNNOA)		 4.38% 1.32% -3.24% 4.37% 5.56% 3.69% 4.89% 5.85% -3.97% 4.56% 2.53%
Return on Equity (ROE)		 9.09% -0.29% -9.48% 7.69% 10.28% 8.27% 11.17% 12.59% -11.70% 15.05% 7.86%
Cash Return on Invested Capital (CROIC)		 -47.31% -28.45% 32.92% -1.84% 7.61% -1.65% -18.27% 7.12% -63.53% -15.01% -57.84%
Operating Return on Assets (OROA)		 1.21% 0.39% -0.53% 0.98% 1.27% 1.33% 1.78% 1.99% -1.69% 1.74% 1.21%
Return on Assets (ROA)		 1.10% 0.58% -0.22% 0.83% 1.07% 1.13% 1.48% 1.62% -1.18% 1.03% 0.85%
Return on Common Equity (ROCE)		 9.09% -0.29% -9.48% 7.69% 10.28% 8.27% 11.17% 12.59% -11.70% 15.05% 7.86%
Return on Equity Simple (ROE_SIMPLE)		 10.31% 0.00% 8.57% -1.89% -0.03% 0.00% 14.86% 15.18% 4.77% 0.00% 4.69%
Net Operating Profit after Tax (NOPAT)		 20 -4.17 -19 24 38 20 26 30 -50 84 46
NOPAT Margin		 15.70% -4.37% -26.07% 19.14% 26.20% 15.27% 20.03% 23.02% -34.71% 57.15% 21.52%
Net Nonoperating Expense Percent (NNEP)		 -3.18% -5.71% -1.87% -2.10% -2.15% -3.93% -3.14% -2.61% -0.01% 3.14% 0.00%
SG&A Expenses to Revenue		 49.11% 64.06% 85.03% 46.98% 41.14% 45.45% 46.44% 43.82% 48.03% 57.35% 48.69%
Operating Expenses to Revenue		 61.46% 82.84% 106.93% 56.52% 50.26% 60.25% 54.80% 51.66% 89.20% 82.54% 65.58%
Earnings before Interest and Taxes (EBIT)		 40 9.36 -11 48 66 45 53 60 -72 81 66
Earnings before Interest, Taxes, Depreciation and Amortization (EBITDA)		 45 16 -6.28 51 70 48 54 61 -80 110 65
Valuation Ratios		 - - - - - - - - - - -
Price to Book Value (P/BV)		 0.90 1.03 0.96 0.97 1.08 1.04 1.01 0.95 0.45 0.88 1.00
Price to Tangible Book Value (P/TBV)		 0.92 1.05 0.98 0.99 1.10 1.05 1.02 0.96 0.58 1.12 1.28
Price to Revenue (P/Rev)		 1.93 2.19 2.33 3.17 3.51 2.59 2.30 2.18 1.85 3.96 3.72
Price to Earnings (P/E)		 8.72 7.76 11.25 0.00 0.00 9.37 6.81 6.25 9.43 24.25 21.42
Dividend Yield		 3.71% 3.00% 3.23% 3.16% 2.67% 2.55% 3.45% 3.59% 3.84% 3.31% 3.35%
Earnings Yield		 11.47% 12.89% 8.89% 0.00% 0.00% 10.67% 14.69% 16.00% 10.60% 4.12% 4.67%
Enterprise Value to Invested Capital (EV/IC)		 0.60 0.23 0.16 0.38 0.73 0.33 0.57 0.52 0.27 0.29 0.69
Enterprise Value to Revenue (EV/Rev)		 2.53 0.73 0.57 2.24 3.93 1.12 2.03 1.77 1.61 1.69 3.66
Enterprise Value to EBITDA (EV/EBITDA)		 6.44 2.09 2.26 1,149.72 52.01 3.22 4.79 4.04 7.22 6.45 13.50
Enterprise Value to EBIT (EV/EBIT)		 7.47 2.44 2.86 0.00 192.55 3.54 5.05 4.22 7.60 7.68 15.24
Enterprise Value to NOPAT (EV/NOPAT)		 9.97 5.03 10.97 31.81 32.45 8.59 10.00 8.32 22.08 10.37 21.08
Enterprise Value to Operating Cash Flow (EV/OCF)		 8.78 2.23 1.94 5.39 9.19 4.18 7.55 6.48 7.84 4.17 12.21
Enterprise Value to Free Cash Flow (EV/FCFF)		 0.00 0.00 0.42 0.00 9.32 0.00 0.00 7.29 0.00 0.00 0.00
Leverage & Solvency		 - - - - - - - - - - -
Debt to Equity		 0.97 0.50 0.45 0.80 0.66 0.38 0.57 0.48 0.45 0.32 0.43
Long-Term Debt to Equity		 0.27 0.24 0.25 0.28 0.33 0.29 0.24 0.18 0.45 0.32 0.43
Financial Leverage		 0.56 0.32 0.74 0.81 0.81 0.43 0.52 0.62 0.51 0.62 0.47
Leverage Ratio		 12.39 12.25 12.20 12.24 11.75 11.33 10.95 10.85 9.88 9.45 9.25
Compound Leverage Factor		 7.21 -7.79 29.56 7.95 8.61 6.68 7.20 7.54 9.88 13.65 9.25
Debt to Total Capital		 49.32% 33.35% 31.23% 44.47% 39.78% 27.29% 36.39% 32.39% 30.91% 24.00% 29.98%
Short-Term Debt to Total Capital		 35.70% 17.12% 14.30% 29.19% 19.89% 6.45% 21.26% 19.91% 0.00% 0.00% 0.00%
Long-Term Debt to Total Capital		 13.62% 16.24% 16.93% 15.27% 19.89% 20.84% 15.13% 12.48% 30.91% 24.00% 29.98%
Preferred Equity to Total Capital		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Noncontrolling Interests to Total Capital		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Common Equity to Total Capital		 50.68% 66.65% 68.77% 55.53% 60.22% 72.71% 63.61% 67.61% 69.09% 76.00% 70.02%
Debt to EBITDA		 5.34 3.03 4.34 1,336.23 28.41 2.69 3.07 2.51 8.24 5.44 5.85
Net Debt to EBITDA		 1.51 -4.17 -6.96 -476.44 5.51 -4.25 -0.64 -0.93 -1.07 -8.64 -0.22
Long-Term Debt to EBITDA		 1.47 1.48 2.35 458.97 14.21 2.06 1.28 0.97 8.24 5.44 5.85
Debt to NOPAT		 8.26 7.28 21.06 36.97 17.72 7.18 6.40 5.17 25.21 8.73 9.14
Net Debt to NOPAT		 2.34 -10.01 -33.76 -13.18 3.44 -11.32 -1.33 -1.92 -3.27 -13.88 -0.34
Long-Term Debt to NOPAT		 2.28 3.54 11.42 12.70 8.86 5.48 2.66 1.99 25.21 8.73 9.14
Noncontrolling Interest Sharing Ratio		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Liquidity Ratios		 - - - - - - - - - - -
Cash Flow Metrics		 - - - - - - - - - - -
Free Cash Flow to Firm (FCFF)		 -789 -443 534 -31 137 -67 -387 46 -1,768 -458 -1,650
Operating Cash Flow to CapEx		 0.00% 4,915.65% 2,919.57% 10,928.93% 10,083.44% 1,033.89% 688.34% 1,745.45% 0.00% 2,135.94% -615.78%
Free Cash Flow to Firm to Interest Expense		 -13.68 -7.14 8.36 -0.47 1.97 -1.05 -6.61 0.78 -21.16 -3.58 -16.24
Operating Cash Flow to Interest Expense		 0.61 0.84 0.11 0.53 0.68 0.58 0.40 0.65 -0.06 1.31 -0.14
Operating Cash Flow Less CapEx to Interest Expense		 0.61 0.83 0.10 0.53 0.67 0.52 0.34 0.61 -0.04 1.25 -0.16
Efficiency Ratios		 - - - - - - - - - - -
Asset Turnover		 0.04 0.04 0.03 0.03 0.03 0.04 0.04 0.04 0.03 0.03 0.04
Fixed Asset Turnover		 5.64 6.19 6.12 4.68 5.29 7.47 9.10 9.31 3.95 3.33 4.45
Capital & Investment Metrics		 - - - - - - - - - - -
Invested Capital		 1,877 1,519 1,469 1,824 1,778 1,606 1,881 1,808 3,496 3,284 3,577
Invested Capital Turnover		 0.30 0.37 0.24 0.17 0.18 0.30 0.31 0.29 0.22 0.18 0.25
Increase / (Decrease) in Invested Capital		 809 439 -553 55 -99 87 413 -16 1,718 543 1,696
Enterprise Value (EV)		 1,117 350 239 698 1,295 524 1,069 943 946 936 2,474
Market Capitalization		 855 1,046 974 987 1,158 1,214 1,211 1,160 1,086 2,189 2,514
Book Value per Share		 $21.61 $23.18 $23.61 $23.40 $24.90 $27.16 $26.20 $26.39 $52.06 $29.75 $29.88
Tangible Book Value per Share		 $21.14 $22.73 $23.18 $23.00 $24.53 $26.81 $25.89 $26.12 $40.16 $23.30 $23.48
Total Capital		 1,877 1,519 1,469 1,824 1,778 1,606 1,881 1,808 3,496 3,284 3,577
Total Debt		 926 507 459 811 707 438 685 586 1,081 788 1,073
Total Long-Term Debt		 256 247 249 279 354 335 285 226 1,081 788 1,073
Net Debt		 262 -697 -735 -289 137 -690 -142 -217 -140 -1,253 -40
Capital Expenditures (CapEx)		 0.00 1.07 0.24 0.32 0.47 3.55 3.38 2.21 -1.14 7.84 2.25
Net Nonoperating Expense (NNE)		 -17 -18 -14 -17 -18 -19 -18 -18 -0.07 36 0.00
Net Nonoperating Obligations (NNO)		 926 507 459 811 707 438 685 586 1,081 788 1,073
Total Depreciation and Amortization (D&A)		 5.35 6.91 4.65 2.72 3.89 3.30 1.54 1.67 -8.47 28 -1.37
Earnings Adjustments		 - - - - - - - - - - -
Adjusted Basic Earnings per Share		 $0.45 ($0.02) ($0.47) $0.57 $0.89 $0.45 $0.56 $0.66 ($0.57) $0.38 $0.55
Adjusted Weighted Average Basic Shares Outstanding		 43.16M 43.29M 42.78M 42.44M 42.17M 42.51M 45.68M 45.76M 87.51M 87.38M 83.82M
Adjusted Diluted Earnings per Share		 $0.45 ($0.03) ($0.47) $0.57 $0.88 $0.45 $0.56 $0.66 ($0.57) $0.38 $0.55
Adjusted Weighted Average Diluted Shares Outstanding		 43.35M 43.50M 43.03M 42.51M 42.45M 42.76M 46.06M 46.01M 87.51M 87.70M 83.90M
Adjusted Basic & Diluted Earnings per Share		 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00
Adjusted Weighted Average Basic & Diluted Shares Outstanding		 43.67M 43.62M 43.29M 42.98M 42.98M 46.40M 46.31M 46.39M 83.91M 83.82M 83.82M
Normalized Net Operating Profit after Tax (NOPAT)		 22 -1.60 -16 24 37 25 26 31 -18 84 55
Normalized NOPAT Margin		 17.46% -1.68% -22.51% 18.91% 26.03% 19.03% 20.03% 23.85% -12.56% 57.15% 25.78%
Pre Tax Income Margin		 18.70% -6.24% -37.25% 24.89% 33.63% 20.66% 26.93% 31.48% -49.58% 79.63% 30.72%
Debt Service Ratios		 - - - - - - - - - - -
EBIT to Interest Expense		 0.69 0.15 -0.17 0.73 0.95 0.71 0.90 1.00 -0.86 0.64 0.65
NOPAT to Interest Expense		 0.34 -0.07 -0.29 0.37 0.54 0.31 0.44 0.51 -0.60 0.66 0.45
EBIT Less CapEx to Interest Expense		 0.69 0.13 -0.17 0.73 0.94 0.65 0.84 0.97 -0.85 0.57 0.63
NOPAT Less CapEx to Interest Expense		 0.34 -0.08 -0.29 0.36 0.54 0.25 0.38 0.47 -0.59 0.60 0.43
Payout Ratios		 - - - - - - - - - - -
Dividend Payout Ratio		 32.62% 23.51% 27.37% -163.39% -7,037.46% 23.89% 22.10% 17.28% 26.90% 69.92% 66.55%
Augmented Payout Ratio		 70.49% 41.19% 58.20% -308.48% -14,359.52% 37.42% 29.68% 17.28% 26.90% 69.92% 66.55%

Financials Breakdown Chart

Key Financial Trends

Here is a concise, investor‑focused take on Beacon Financial (BBT) using the latest quarterly data provided (Q4 2025 through prior years). The highlights focus on year‑over‑year trends in earnings, revenue, cash flow, and key expense and credit metrics.

  • Net income from continuing operations grew sharply in Q4 2025 to $84,426,000, up from $19,657,000 in Q4 2024, signaling a strong bottom‑line rebound this quarter. (Net Income / (Loss) Continuing Operations)
  • Net interest income surged to $188,808,000 in Q4 2025, up from $86,855,000 in Q4 2024, indicating meaningful improvement in core lending and funding activities.
  • Total revenue rose to $147,727,000 in Q4 2025 from $128,749,000 in Q4 2024, reflecting broader topline strength across interest and non‑interest lines.
  • Net cash from continuing operating activities jumped to $167,436,000 in Q4 2025, up from $36,730,000 in Q4 2024, highlighting stronger operating cash generation this quarter.
  • Total assets remain large and broadly scale‑driven, with a quarterly total around $22.8B in Q4 2025, indicating a sizeable balance sheet footprint that can support ongoing lending and funding initiatives.
  • Provision for credit losses increased notably in Q4 2025 to $55,636,000, up from $6,000,000 in Q4 2024, signaling higher credit deterioration or reserves this period.
  • Total non‑interest expense rose to $121,939,000 in Q4 2025 from $77,575,000 in Q4 2024, reflecting higher operating costs this quarter.
  • Q3 2025 posted a meaningful quarterly loss, with Consolidated Net Income / (Loss) of $(50,240,000) and Net Income from continuing operations also negative, underscoring quarterly earnings volatility.
05/21/26 04:33 PM ETAI Generated. May Contain Errors.

Beacon Financial Financials - Frequently Asked Questions

According to the most recent income statement we have on file, Beacon Financial's fiscal year ends in December. Their fiscal year 2025 ended on December 31, 2025.

Beacon Financial's net income appears to be on an upward trend, with a most recent value of $90.27 million in 2025, rising from $49.52 million in 2015. The previous period was $68.72 million in 2024. Check out Beacon Financial's forecast to explore projected trends and price targets.

Over the last 10 years, Beacon Financial's total revenue changed from $268.14 million in 2015 to $553.00 million in 2025, a change of 106.2%.

Beacon Financial's total liabilities were at $20.72 billion at the end of 2025, a 94.0% increase from 2024, and a 198.5% increase since 2015.

In the past 10 years, Beacon Financial's cash and equivalents has ranged from $103.56 million in 2015 to $2.04 billion in 2025, and is currently $2.04 billion as of their latest financial filing in 2025.

Over the last 10 years, Beacon Financial's book value per share changed from 28.64 in 2015 to 29.75 in 2025, a change of 3.9%.


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Financial statements for NYSE:BBT last updated on 5/14/2026 by MarketBeat.com Staff. New filings and market data are monitored continuously.
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