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Beacon Financial (BBT) Financials

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$31.40 -0.12 (-0.36%)
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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 Q4 2023 Q1 2024 Q2 2024 Q3 2024 Q4 2024 Q1 2025 Q2 2025 Q3 2025 Q4 2025 Q1 2026 Q2 2026
Period end date 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 6/30/2026
Net Income / (Loss) Attributable to Common Shareholders		 14 -4.64 41 20 38 19 22 -50 48 46 64
Consolidated Net Income / (Loss)		 14 -4.64 41 20 38 19 22 -50 48 46 64
Net Income / (Loss) Continuing Operations		 -1.45 -20 24 20 20 19 22 -50 84 46 64
Total Pre-Tax Income 		-5.95 -26 31 27 27 25 30 -72 118 66 87
Total Revenue		 95 71 125 89 129 91 95 145 148 215 219
Net Interest Income / (Expense)		 88 88 89 83 87 86 89 133 189 191 193
Total Interest Income		 151 152 154 160 151 154 154 216 317 292 294
Loans and Leases Interest Income		 135 137 139 150 138 143 144 198 296 267 266
Investment Securities Interest Income		 15 15 15 9.92 13 10 10 18 21 25 28
Total Interest Expense		 62 64 66 77 64 68 65 84 128 102 100
Deposits Interest Expense		 53 57 57 60 56 53 53 72 103 93 89
Long-Term Debt Interest Expense		 9.26 7.00 8.54 17 7.96 14 13 12 25 8.55 11
Total Non-Interest Income		 -26 -33 20 6.35 6.49 5.66 5.97 12 -23 24 26
Other Service Charges		 31 33 37 5.93 42 5.57 5.71 11 -46 20 21
Net Realized & Unrealized Capital Gains on Investments		 -25 -50 0.00 0.42 0.17 0.09 0.26 1.81 5.23 3.46 5.26
Provision for Credit Losses		 7.00 6.00 6.50 4.66 6.00 5.99 7.00 88 -56 7.95 4.92
Total Non-Interest Expense		 79 76 71 58 78 60 58 129 122 141 127
Salaries and Employee Benefits		 40 41 40 35 39 36 35 50 61 70 70
Net Occupancy & Equipment Expense		 20 19 18 12 18 13 12 18 22 33 30
Marketing Expense		 1.11 1.12 0.53 0.86 2.01 0.87 1.37 1.58 1.59 1.68 1.15
Property & Liability Insurance Claims		 - - - 2.12 - 2.04 1.88 1.97 - 4.32 3.33
Other Operating Expenses		 13 11 11 6.00 11 6.13 5.60 8.26 7.66 11 14
Amortization Expense		 1.21 1.21 1.14 1.67 1.13 1.43 1.43 3.59 9.38 8.33 8.33
Restructuring Charge		 3.67 3.62 -0.38 0.00 6.56 0.97 0.44 46 - 13 0.00
Income Tax Expense		 -4.51 -6.29 7.21 6.61 6.95 6.38 7.57 -22 33 20 23
Basic Earnings per Share		 ($0.02) ($0.47) $0.57 $0.23 $0.45 $0.21 $0.25 ($0.57) $0.38 $0.55 $0.77
Weighted Average Basic Shares Outstanding		 43.29M 42.78M 42.44M 89.03M 42.51M 89.10M 89.10M 87.51M 87.38M 83.82M 83.82M
Diluted Earnings per Share		 ($0.03) ($0.47) $0.57 $0.23 $0.45 $0.21 $0.25 ($0.57) $0.38 $0.55 $0.77
Weighted Average Diluted Shares Outstanding		 43.50M 43.03M 42.51M 89.32M 42.76M 89.57M 89.61M 87.51M 87.70M 83.90M 83.94M
Weighted Average Basic & Diluted Shares Outstanding		 43.62M 43.29M 42.98M 42.98M 46.40M 46.31M 46.39M 83.91M 83.82M 83.82M 83.82M
Cash Dividends to Common per Share		 - $0.18 $0.18 $0.14 - $0.14 $0.14 $0.32 $0.05 $0.32 $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 Q4 2023 Q1 2024 Q2 2024 Q3 2024 Q4 2024 Q1 2025 Q2 2025 Q3 2025 Q4 2025 Q1 2026 Q2 2026
Period end date 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 6/30/2026
Net Change in Cash & Equivalents		 540 -9.55 -93 -530 558 -186 -24 1,003 821 -929 103
Net Cash From Operating Activities		 52 6.86 35 47 37 8.01 39 -4.77 167 -14 64
Net Cash From Continuing Operating Activities		 52 6.86 35 47 37 8.01 39 -4.77 167 -14 64
Net Income / (Loss) Continuing Operations		 -1.45 -20 24 38 20 19 30 -65 99 46 64
Consolidated Net Income / (Loss)		 -1.45 -20 24 38 20 19 30 -65 99 46 64
Provision For Loan Losses		 7.00 6.00 6.50 5.50 6.00 5.99 4.00 91 -59 7.95 4.92
Depreciation Expense		 2.04 1.94 1.80 1.68 1.57 1.83 1.45 3.18 3.42 3.31 3.27
Amortization Expense		 4.87 2.71 0.92 2.21 1.74 -0.99 0.22 -12 25 -4.69 -0.32
Non-Cash Adjustments to Reconcile Net Income		 40 21 0.11 1.50 2.72 2.45 5.18 4.93 77 8.87 2.93
Changes in Operating Assets and Liabilities, net		 0.11 -4.11 1.40 -1.51 5.02 -20 -2.69 -27 22 -76 -11
Net Cash From Investing Activities		 254 292 -180 -306 -122 173 -41 2,029 360 52 60
Net Cash From Continuing Investing Activities		 254 292 -180 -306 -122 173 -41 2,029 360 52 60
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 -3.53
Purchase of Investment Securities		 -119 -143 -250 -107 -259 -3.36 -112 1,269 -1,108 -160 -162
Sale and/or Maturity of Investments		 374 435 67 118 140 54 73 474 1,191 148 270
Other Investing Activities, net		 - - - -317 - 122 - 285 285 66 -44
Net Cash From Financing Activities		 233 -308 52 -271 644 -367 -21 -1,022 294 -967 -21
Net Cash From Continuing Financing Activities		 233 -308 52 -271 644 -367 -21 -1,022 294 -967 -21
Net Change in Deposits		 653 -266 -272 -135 798 9.70 99 115 609 -1,223 193
Issuance of Debt		 441 202 856 150 1.00 256 311 -20 267 1,169 504
Repayment of Debt		 -860 -250 -503 -254 -270 -620 -410 -1,124 -559 -885 -692
Payment of Dividends		 -7.85 0.00 -16 0.13 -15 -12 -8.35 -19 -27 -27 -27
Cash Interest Paid		 10 7.24 9.20 9.35 9.00 69 6.73 202 115 101 100
Cash Income Taxes Paid		 4.56 1.00 3.48 -4.12 -1.79 1.62 4.96 8.08 1.15 3.68 2.56

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 Q1 2023 Q2 2023 Q3 2023 Q1 2024 Q2 2024 Q3 2024 Q1 2025 Q2 2025 Q3 2025 Q1 2026 Q2 2026
Period end date 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 6/30/2026
Total Assets		 12,320 12,090 12,140 12,147 12,219 11,605 12,013 12,035 22,821 22,228 22,251
Cash and Due from Banks		 1,007 641 663 1,194 1,100 570 826 803 1,221 1,113 1,216
Trading Account Securities		 2,002 1,923 1,832 1,176 1,150 1,193 1,169 1,147 1,739 1,719 1,761
Loans and Leases, Net of Allowance		 8,584 8,782 8,882 8,978 9,116 9,100 9,312 9,381 17,988 17,680 17,584
Loans and Leases		 8,682 8,882 8,984 9,086 9,229 9,212 9,429 9,499 18,242 17,924 17,822
Allowance for Loan and Lease Losses		 98 100 103 107 112 112 117 117 254 245 238
Premises and Equipment, Net		 79 77 70 58 56 55 58 58 243 246 244
Goodwill		 - - - - - - - - 353 355 357
Intangible Assets		 23 22 21 18 17 16 14 13 198 181 173
Other Assets		 624 637 670 716 727 620 633 628 996 934 915
Total Liabilities & Shareholders' Equity		 12,320 12,090 12,140 12,147 12,219 11,605 12,013 12,035 22,821 22,228 22,251
Total Liabilities		 11,324 11,117 11,189 11,137 11,207 10,534 10,816 10,812 20,406 19,723 19,711
Interest Bearing Deposits		 10,068 10,068 9,981 9,883 9,621 9,577 9,880 9,979 18,915 18,292 18,486
Long-Term Debt		 126 326 256 249 279 354 285 226 1,081 1,073 889
Other Long-Term Liabilities		 231 253 283 795 774 250 252 248 411 358 337
Commitments & Contingencies		 - - - - - - - - 0.00 0.00 0.00
Total Equity & Noncontrolling Interests		 995 973 951 1,010 1,013 1,070 1,197 1,222 2,415 2,505 2,540
Total Preferred & Common Equity		 995 973 951 1,010 1,013 1,070 1,197 1,222 2,415 2,505 2,540
Total Common Equity		 995 973 951 1,010 1,013 1,070 1,197 1,222 2,415 2,505 2,540
Common Stock		 1,425 1,424 1,424 1,423 1,422 1,422 1,431 1,431 2,173 2,174 2,165
Retained Earnings		 -51 -35 -24 -61 -45 -15 14 36 414 505 542
Treasury Stock		 -208 -215 -219 -226 -235 -235 -145 -147 -142 -143 -133
Accumulated Other Comprehensive Income / (Loss)		 -159 -186 -218 -114 -115 -89 -95 -91 -29 -31 -35

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 Q4 2023 Q1 2024 Q2 2024 Q3 2024 Q4 2024 Q1 2025 Q2 2025 Q3 2025 Q4 2025 Q1 2026 Q2 2026
Period end date 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 6/30/2026
DEI Shares Outstanding		 - - - - - - 46,311,960.00 46,389,917.00 83,908,861.00 83,816,086.00 83,816,086.00
DEI Adjusted Shares Outstanding		 - - - - - - 46,311,960.00 46,389,917.00 83,908,861.00 83,816,086.00 83,816,086.00
DEI Earnings Per Adjusted Shares Outstanding		 - - - - - - 1.05 -1.08 0.57 0.55 0.77
Growth Metrics		 - - - - - - - - - - -
Revenue Growth		 -49.35% -45.38% -1.27% 15.01% 35.02% 80.63% 5.11% 62.22% 113.31% 134.69% 131.57%
EBITDA Growth		 -87.04% -111.39% 0.94% 53.57% 197.87% 960.78% 19.89% -470.83% 167.09% 145.37% 197.45%
EBIT Growth		 -92.08% -122.21% 6.68% 64.38% 382.58% 580.82% 24.34% -368.70% 192.85% 158.82% 194.04%
NOPAT Growth		 -110.16% -167.07% 0.69% 91.91% 571.64% 238.76% 26.39% -349.78% 88.72% 141.97% 192.50%
Net Income Growth		 -86.79% -110.62% -0.63% 51.98% 175.60% 1,042.12% 18.96% -349.43% 290.36% 141.97% 192.50%
EPS Growth		 -104.41% -174.60% 3.64% 95.56% 1,600.00% 219.15% 15.79% -347.83% -13.64% 161.90% 208.00%
Operating Cash Flow Growth		 132.99% -83.27% 23.02% 32.25% -30.02% 239.00% 10.84% -124.04% 285.03% -272.81% 90.76%
Free Cash Flow Firm Growth		 -274.07% 167.82% 93.49% 117.31% 84.88% -172.49% 249.76% -1,583.41% 61.11% -318.99% -4,178.46%
Invested Capital Growth		 40.69% -27.34% 3.11% -5.28% 5.71% 28.11% -0.88% 96.65% 19.79% 90.14% 89.63%
Revenue Q/Q Growth		 -23.41% -25.44% 76.53% 14.10% -10.08% -0.26% 2.73% 9.89% 1.92% 45.35% 2.08%
EBITDA Q/Q Growth		 -64.10% -138.61% 908.34% 37.08% -30.37% 11.57% 13.59% -230.78% 236.69% -41.19% 39.32%
EBIT Q/Q Growth		 -76.59% -216.74% 539.85% 36.74% -31.27% 16.31% 13.75% -220.26% 213.29% -19.00% 31.94%
NOPAT Q/Q Growth		 -121.32% -344.73% 229.62% 56.12% -47.59% 30.84% 18.07% -265.68% 267.81% -45.26% 39.40%
Net Income Q/Q Growth		 -61.73% -133.43% 981.11% 34.82% -30.60% 14.28% 11.26% -203.37% 195.98% -4.16% 39.40%
EPS Q/Q Growth		 -106.67% -1,466.67% 221.28% 54.39% -48.86% 24.44% 17.86% -186.36% 166.67% 44.74% 40.00%
Operating Cash Flow Q/Q Growth		 47.93% -86.92% 406.54% 34.91% -21.72% -36.63% 65.62% -112.39% 3,607.98% -108.27% 563.06%
Free Cash Flow Firm Q/Q Growth		 43.80% 220.43% -105.81% 539.90% -149.10% -477.32% 112.01% -3,903.33% 74.09% -260.03% 5.68%
Invested Capital Q/Q Growth		 -19.07% -3.31% 24.21% -2.55% -9.68% 17.18% -3.90% 93.35% -6.04% 8.92% -4.16%
Profitability Metrics		 - - - - - - - - - - -
EBITDA Margin		 17.07% -8.84% 40.47% 48.62% 37.65% 42.12% 46.57% -55.43% 74.34% 30.08% 41.05%
EBIT Margin		 9.82% -15.37% 38.30% 45.90% 35.09% 40.92% 45.31% -49.58% 55.12% 30.72% 39.70%
Profit (Net Income) Margin		 14.55% -6.52% 32.56% 38.47% 29.69% 34.02% 36.85% -34.66% 32.64% 21.52% 29.39%
Tax Burden Percent		 -232.95% 17.51% 130.81% 114.39% 143.68% 126.34% 117.04% 69.90% 40.99% 70.08% 74.04%
Interest Burden Percent		 -63.60% 242.30% 64.98% 73.26% 58.89% 65.81% 69.48% 100.00% 144.46% 100.00% 100.00%
Effective Tax Rate		 0.00% 0.00% 23.08% 22.11% 26.12% 25.62% 26.88% 0.00% 28.23% 29.92% 25.96%
Return on Invested Capital (ROIC)		 -1.61% -6.25% 3.31% 4.73% 4.58% 6.29% 6.75% -7.74% 10.49% 5.33% 8.99%
ROIC Less NNEP Spread (ROIC-NNEP)		 4.10% -4.37% 5.41% 6.88% 8.51% 9.43% 9.36% -7.73% 7.35% 5.33% 8.99%
Return on Net Nonoperating Assets (RNNOA)		 1.32% -3.24% 4.37% 5.56% 3.69% 4.89% 5.85% -3.97% 4.56% 2.53% 3.52%
Return on Equity (ROE)		 -0.29% -9.48% 7.69% 10.28% 8.27% 11.17% 12.59% -11.70% 15.05% 7.86% 12.51%
Cash Return on Invested Capital (CROIC)		 -28.45% 32.92% -1.84% 7.61% -1.65% -18.27% 7.12% -63.53% -15.01% -57.84% -55.79%
Operating Return on Assets (OROA)		 0.39% -0.53% 0.98% 1.27% 1.33% 1.78% 1.99% -1.69% 1.74% 1.21% 1.85%
Return on Assets (ROA)		 0.58% -0.22% 0.83% 1.07% 1.13% 1.48% 1.62% -1.18% 1.03% 0.85% 1.37%
Return on Common Equity (ROCE)		 -0.29% -9.48% 7.69% 10.28% 8.27% 11.17% 12.59% -11.70% 15.05% 7.86% 12.51%
Return on Equity Simple (ROE_SIMPLE)		 0.00% 8.57% -1.89% -0.03% 0.00% 14.86% 15.18% 4.77% 0.00% 4.69% 6.29%
Net Operating Profit after Tax (NOPAT)		 -4.17 -19 24 38 20 26 30 -50 84 46 64
NOPAT Margin		 -4.37% -26.07% 19.14% 26.20% 15.27% 20.03% 23.02% -34.71% 57.15% 21.52% 29.39%
Net Nonoperating Expense Percent (NNEP)		 -5.71% -1.87% -2.10% -2.15% -3.93% -3.14% -2.61% -0.01% 3.14% 0.00% 0.00%
SG&A Expenses to Revenue		 64.06% 85.03% 46.98% 41.14% 45.45% 46.44% 43.82% 48.03% 57.35% 48.69% 46.32%
Operating Expenses to Revenue		 82.84% 106.93% 56.52% 50.26% 60.25% 54.80% 51.66% 89.20% 82.54% 65.58% 58.06%
Earnings before Interest and Taxes (EBIT)		 9.36 -11 48 66 45 53 60 -72 81 66 87
Earnings before Interest, Taxes, Depreciation and Amortization (EBITDA)		 16 -6.28 51 70 48 54 61 -80 110 65 90
Valuation Ratios		 - - - - - - - - - - -
Price to Book Value (P/BV)		 1.03 0.96 0.97 1.08 1.04 1.01 0.95 0.45 0.88 1.00 1.00
Price to Tangible Book Value (P/TBV)		 1.05 0.98 0.99 1.10 1.05 1.02 0.96 0.58 1.12 1.28 1.27
Price to Revenue (P/Rev)		 2.19 2.33 3.17 3.51 2.59 2.30 2.18 1.85 3.96 3.72 3.19
Price to Earnings (P/E)		 7.76 11.25 0.00 0.00 9.37 6.81 6.25 9.43 24.25 21.42 15.97
Dividend Yield		 3.00% 3.23% 3.16% 2.67% 2.55% 3.45% 3.59% 3.84% 3.31% 3.35% 3.77%
Earnings Yield		 12.89% 8.89% 0.00% 0.00% 10.67% 14.69% 16.00% 10.60% 4.12% 4.67% 6.26%
Enterprise Value to Invested Capital (EV/IC)		 0.23 0.16 0.38 0.73 0.33 0.57 0.52 0.27 0.29 0.69 0.65
Enterprise Value to Revenue (EV/Rev)		 0.73 0.57 2.24 3.93 1.12 2.03 1.77 1.61 1.69 3.66 2.78
Enterprise Value to EBITDA (EV/EBITDA)		 2.09 2.26 1,149.72 52.01 3.22 4.79 4.04 7.22 6.45 13.50 9.16
Enterprise Value to EBIT (EV/EBIT)		 2.44 2.86 0.00 192.55 3.54 5.05 4.22 7.60 7.68 15.24 10.12
Enterprise Value to NOPAT (EV/NOPAT)		 5.03 10.97 31.81 32.45 8.59 10.00 8.32 22.08 10.37 21.08 13.92
Enterprise Value to Operating Cash Flow (EV/OCF)		 2.23 1.94 5.39 9.19 4.18 7.55 6.48 7.84 4.17 12.21 9.54
Enterprise Value to Free Cash Flow (EV/FCFF)		 0.00 0.42 0.00 9.32 0.00 0.00 7.29 0.00 0.00 0.00 0.00
Leverage & Solvency		 - - - - - - - - - - -
Debt to Equity		 0.50 0.45 0.80 0.66 0.38 0.57 0.48 0.45 0.32 0.43 0.35
Long-Term Debt to Equity		 0.24 0.25 0.28 0.33 0.29 0.24 0.18 0.45 0.32 0.43 0.35
Financial Leverage		 0.32 0.74 0.81 0.81 0.43 0.52 0.62 0.51 0.62 0.47 0.39
Leverage Ratio		 12.25 12.20 12.24 11.75 11.33 10.95 10.85 9.88 9.45 9.25 9.11
Compound Leverage Factor		 -7.79 29.56 7.95 8.61 6.68 7.20 7.54 9.88 13.65 9.25 9.11
Debt to Total Capital		 33.35% 31.23% 44.47% 39.78% 27.29% 36.39% 32.39% 30.91% 24.00% 29.98% 25.92%
Short-Term Debt to Total Capital		 17.12% 14.30% 29.19% 19.89% 6.45% 21.26% 19.91% 0.00% 0.00% 0.00% 0.00%
Long-Term Debt to Total Capital		 16.24% 16.93% 15.27% 19.89% 20.84% 15.13% 12.48% 30.91% 24.00% 29.98% 25.92%
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		 66.65% 68.77% 55.53% 60.22% 72.71% 63.61% 67.61% 69.09% 76.00% 70.02% 74.08%
Debt to EBITDA		 3.03 4.34 1,336.23 28.41 2.69 3.07 2.51 8.24 5.44 5.85 3.66
Net Debt to EBITDA		 -4.17 -6.96 -476.44 5.51 -4.25 -0.64 -0.93 -1.07 -8.64 -0.22 -1.35
Long-Term Debt to EBITDA		 1.48 2.35 458.97 14.21 2.06 1.28 0.97 8.24 5.44 5.85 3.66
Debt to NOPAT		 7.28 21.06 36.97 17.72 7.18 6.40 5.17 25.21 8.73 9.14 5.56
Net Debt to NOPAT		 -10.01 -33.76 -13.18 3.44 -11.32 -1.33 -1.92 -3.27 -13.88 -0.34 -2.05
Long-Term Debt to NOPAT		 3.54 11.42 12.70 8.86 5.48 2.66 1.99 25.21 8.73 9.14 5.56
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)		 -443 534 -31 137 -67 -387 46 -1,768 -458 -1,650 -1,556
Operating Cash Flow to CapEx		 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% 1,818.75%
Free Cash Flow to Firm to Interest Expense		 -7.14 8.36 -0.47 1.97 -1.05 -6.61 0.78 -21.16 -3.58 -16.24 -15.49
Operating Cash Flow to Interest Expense		 0.84 0.11 0.53 0.68 0.58 0.40 0.65 -0.06 1.31 -0.14 0.64
Operating Cash Flow Less CapEx to Interest Expense		 0.83 0.10 0.53 0.67 0.52 0.34 0.61 -0.04 1.25 -0.16 0.60
Efficiency Ratios		 - - - - - - - - - - -
Asset Turnover		 0.04 0.03 0.03 0.03 0.04 0.04 0.04 0.03 0.03 0.04 0.05
Fixed Asset Turnover		 6.19 6.12 4.68 5.29 7.47 9.10 9.31 3.95 3.33 4.45 5.29
Capital & Investment Metrics		 - - - - - - - - - - -
Invested Capital		 1,519 1,469 1,824 1,778 1,606 1,881 1,808 3,496 3,284 3,577 3,428
Invested Capital Turnover		 0.37 0.24 0.17 0.18 0.30 0.31 0.29 0.22 0.18 0.25 0.31
Increase / (Decrease) in Invested Capital		 439 -553 55 -99 87 413 -16 1,718 543 1,696 1,620
Enterprise Value (EV)		 350 239 698 1,295 524 1,069 943 946 936 2,474 2,225
Market Capitalization		 1,046 974 987 1,158 1,214 1,211 1,160 1,086 2,189 2,514 2,552
Book Value per Share		 $23.18 $23.61 $23.40 $24.90 $27.16 $26.20 $26.39 $52.06 $29.75 $29.88 $30.30
Tangible Book Value per Share		 $22.73 $23.18 $23.00 $24.53 $26.81 $25.89 $26.12 $40.16 $23.30 $23.48 $23.98
Total Capital		 1,519 1,469 1,824 1,778 1,606 1,881 1,808 3,496 3,284 3,577 3,428
Total Debt		 507 459 811 707 438 685 586 1,081 788 1,073 889
Total Long-Term Debt		 247 249 279 354 335 285 226 1,081 788 1,073 889
Net Debt		 -697 -735 -289 137 -690 -142 -217 -140 -1,253 -40 -328
Capital Expenditures (CapEx)		 1.07 0.24 0.32 0.47 3.55 3.38 2.21 -1.14 7.84 2.25 3.53
Net Nonoperating Expense (NNE)		 -18 -14 -17 -18 -19 -18 -18 -0.07 36 0.00 0.00
Net Nonoperating Obligations (NNO)		 507 459 811 707 438 685 586 1,081 788 1,073 889
Total Depreciation and Amortization (D&A)		 6.91 4.65 2.72 3.89 3.30 1.54 1.67 -8.47 28 -1.37 2.96
Earnings Adjustments		 - - - - - - - - - - -
Adjusted Basic Earnings per Share		 ($0.02) ($0.47) $0.57 $0.89 $0.45 $0.56 $0.66 ($0.57) $0.38 $0.55 $0.77
Adjusted Weighted Average Basic Shares Outstanding		 43.29M 42.78M 42.44M 42.17M 42.51M 45.68M 45.76M 87.51M 87.38M 83.82M 83.82M
Adjusted Diluted Earnings per Share		 ($0.03) ($0.47) $0.57 $0.88 $0.45 $0.56 $0.66 ($0.57) $0.38 $0.55 $0.77
Adjusted Weighted Average Diluted Shares Outstanding		 43.50M 43.03M 42.51M 42.45M 42.76M 46.06M 46.01M 87.51M 87.70M 83.90M 83.94M
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		 43.62M 43.29M 42.98M 42.98M 46.40M 46.31M 46.39M 83.91M 83.82M 83.82M 83.82M
Normalized Net Operating Profit after Tax (NOPAT)		 -1.60 -16 24 37 25 26 31 -18 84 55 64
Normalized NOPAT Margin		 -1.68% -22.51% 18.91% 26.03% 19.03% 20.03% 23.85% -12.56% 57.15% 25.78% 29.39%
Pre Tax Income Margin		 -6.24% -37.25% 24.89% 33.63% 20.66% 26.93% 31.48% -49.58% 79.63% 30.72% 39.70%
Debt Service Ratios		 - - - - - - - - - - -
EBIT to Interest Expense		 0.15 -0.17 0.73 0.95 0.71 0.90 1.00 -0.86 0.64 0.65 0.87
NOPAT to Interest Expense		 -0.07 -0.29 0.37 0.54 0.31 0.44 0.51 -0.60 0.66 0.45 0.64
EBIT Less CapEx to Interest Expense		 0.13 -0.17 0.73 0.94 0.65 0.84 0.97 -0.85 0.57 0.63 0.83
NOPAT Less CapEx to Interest Expense		 -0.08 -0.29 0.36 0.54 0.25 0.38 0.47 -0.59 0.60 0.43 0.61
Payout Ratios		 - - - - - - - - - - -
Dividend Payout Ratio		 23.51% 27.37% -163.39% -7,037.46% 23.89% 22.10% 17.28% 26.90% 69.92% 66.55% 58.28%
Augmented Payout Ratio		 41.19% 58.20% -308.48% -14,359.52% 37.42% 29.68% 17.28% 26.90% 69.92% 66.55% 58.28%

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.

08/10/26 07:00 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 8/7/2026 by MarketBeat.com Staff. New filings and market data are monitored continuously.
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