Beacon Financial (BBT) Financials

$30.50 -0.25 (-0.81%)

Closing price 07/20/2026 03:59 PM Eastern

Extended Trading

$30.50 0.00 (0.00%)

As of 07/20/2026 04:10 PM Eastern

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

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

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

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

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

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

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%

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

Beacon Financial (NYSE: BBT) shows a meaningful turnaround in 2026 Q1 versus the weak results from late 2024 and early 2025, but the underlying story is still mixed. Net income improved to $46.2 million in Q1 2026 from a Q3 2025 loss of $50.2 million, and revenue and credit costs also moved in a better direction. However, the bank is still dealing with weak operating cash flow, heavy deposit volatility, and a balance sheet that has shrunk sharply versus a year earlier.

What stands out most: earnings have recovered, but cash generation and funding stability remain the key issues investors should watch.

Q1 2026 net income rebounded to $46.2 million, a major improvement from the Q3 2025 loss of $50.2 million.
Total revenue in Q1 2026 was $214.7 million, up from $147.7 million in Q4 2025 and well above the weak Q3 2025 level.
Pre-tax income improved to $66.0 million in Q1 2026 from $117.6 million in Q4 2025, while credit losses were far lower than the prior quarter’s negative provision pattern.
Non-interest income recovered to $23.9 million in Q1 2026, helped by service charges and investment gains, compared with negative non-interest income in Q4 2025.
The allowance for loan and lease losses rose to $244.5 million at Q1 2026, suggesting management is maintaining a meaningful reserve cushion.
Net interest income in Q1 2026 was $190.8 million, slightly above Q4 2025 and still the main earnings engine.
The bank continued to use debt as part of funding management, with $1.17 billion of debt issued and $885.1 million repaid in Q1 2026.
The balance sheet remains heavily deposit-funded, with $18.3 billion in interest-bearing deposits versus $1.07 billion in long-term debt at Q1 2026.
Operating cash flow was negative $13.8 million in Q1 2026, a concern even though net income was positive.
Net change in deposits was negative $1.22 billion in Q1 2026, highlighting significant funding volatility.
Total assets fell to $22.2 billion in Q1 2026 from $28.2 billion in Q3 2025 and $12.0 billion in Q4 2025 on a reported basis, indicating a much smaller balance sheet than earlier periods.
The company’s quarter-over-quarter earnings picture has been volatile, with Q3 2025 showing a loss, Q4 2025 showing strong profit, and Q1 2026 moderating again.

Longer-term trend: compared with 2024 and early 2025, Beacon Financial appears to have moved from a period of pressure into a partial recovery. In 2024 and early 2025, the bank saw earnings swings, negative quarters, and large balance-sheet changes. By Q1 2026, profitability improved, but the company still has to prove that earnings can remain stable without relying on volatile deposit and investment flows.

Bottom line: Beacon Financial’s latest quarter looks better on earnings, but investors should not ignore the weak operating cash flow and deposit instability. If management can sustain the Q1 2026 earnings improvement while stabilizing funding, the story improves materially. If not, the turnaround may prove uneven.

07/21/26 01:06 AM 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 financial year ends in December. Their financial 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. See Beacon Financial's forecast for analyst expectations on what's next for the company.

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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Beacon Financial (BBT) Financials

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Beacon Financial (BBT) Financials

Annual Income Statements for Beacon Financial

Quarterly Income Statements for Beacon Financial

Annual Cash Flow Statements for Beacon Financial

Quarterly Cash Flow Statements for Beacon Financial

Annual Balance Sheets for Beacon Financial

Quarterly Balance Sheets for Beacon Financial

Annual Metrics And Ratios for Beacon Financial

Quarterly Metrics And Ratios for Beacon Financial

Financials Breakdown Chart

Key Financial Trends

Beacon Financial Financials - Frequently Asked Questions

When does Beacon Financial's fiscal year end?

How has Beacon Financial's net income changed over the last 10 years?

How has Beacon Financial's revenue changed over the last 10 years?

How much debt does Beacon Financial have?

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How has Beacon Financial's book value per share changed over the last 10 years?

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