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Beacon Financial Corp. logo

Beacon Financial Corp.

BBT

NYSEFinancial ServicesBanks - Regional

Open in GoAI

Previous close

$31.65

+$0.07 · +0.22%

Aug 21, 4:00 PM ET

Pre-market

$31.80

+$0.15 · +0.47%

Aug 24, 5:58 AM ET

BBT company overview

Regular session · ET · Market data may be delayed.

GoAI snapshot

AI-powered factor overview

Jul 10, 2026

GoAI score

Hold

Wait — insufficient conviction to act

Valuation

68

Undervalued

Momentum

45

Neutral

Sentiment

55

Mixed

Risk resilience

80

Low Risk

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Company profile

Company website

Beacon Financial Corp. provides a comprehensive array of financial services, encompassing strategic wealth planning, expert advisory support, and traditional banking operations.

Industry
Banks - Regional
Sector
Financial Services
Headquarters
US
CEO
Paul A. Perrault
Listed since
Dec 6, 2019
Employees
1,972

Market position

Day range

Current $31.65

52-week range

Current $31.65

Open
$31.77
Previous close
$31.58
Volume
376.55K
0.47× average
Average volume
804.13K
Average daily volume
Market cap
2.66B USD
Beta
0.54
Market reference 1
50-day average
$30.7784
+2.83% above average
200-day average
$29.1264
+8.66% above average

Financials

Financial snapshot

Latest / TTM

Valuation & yield

Enterprise value
1.14B USD
P/E (TTM)
23.98×
P/B (TTM)
1.04×
P/S (TTM)
2.32×
EV / EBITDA
8.69×
Earnings yield
3.92%
Free cash flow yield
0.00%
Dividend yield
4.08%

Profitability & efficiency

Gross margin
55.85%
Operating margin
13.61%
Net margin
9.91%
Return on equity
3.62%
Return on assets
0.39%
Return on invested capital
2.44%

Financial health

Debt / equity
0.39×
Current ratio
0.19×

Financial statements

Margin trends

Profitability as a percentage of reported revenue.

Gross marginOperating marginNet margin
Gross, operating, and net margin trends100%67%34%1%Gross margin, FY2021: 91.88%Gross margin, FY2022: 87.76%Gross margin, FY2023: 60.56%Gross margin, FY2024: 55.49%Gross margin, FY2025: 51.13%Operating margin, FY2021: 32.34%Operating margin, FY2022: 25.97%Operating margin, FY2023: 12.91%Operating margin, FY2024: 12.36%Operating margin, FY2025: 16.05%Net margin, FY2021: 25.76%Net margin, FY2022: 21.11%Net margin, FY2023: 11.47%Net margin, FY2024: 9.48%Net margin, FY2025: 11.89%FY2021FY2022FY2023FY2024FY2025
Gross margin FY2021 91.88%. Gross margin FY2022 87.76%. Gross margin FY2023 60.56%. Gross margin FY2024 55.49%. Gross margin FY2025 51.13%. Operating margin FY2021 32.34%. Operating margin FY2022 25.97%. Operating margin FY2023 12.91%. Operating margin FY2024 12.36%. Operating margin FY2025 16.05%. Net margin FY2021 25.76%. Net margin FY2022 21.11%. Net margin FY2023 11.47%. Net margin FY2024 9.48%. Net margin FY2025 11.89%.

Income trends

Revenue

759.29M USD+18.02%

Operating income

121.86M USD+53.26%

Net income

90.27M USD+47.98%
Income trends across reported periods829.12M USD549.8M USD270.49M USD−8.83M USDRevenue, FY2021: 460.73M USDRevenue, FY2022: 438.34M USDRevenue, FY2023: 606.54M USDRevenue, FY2024: 643.37M USDRevenue, FY2025: 759.29M USDOperating income, FY2021: 149.02M USDOperating income, FY2022: 113.82M USDOperating income, FY2023: 78.32M USDOperating income, FY2024: 79.52M USDOperating income, FY2025: 121.86M USDNet income, FY2021: 118.66M USDNet income, FY2022: 92.53M USDNet income, FY2023: 69.6M USDNet income, FY2024: 61M USDNet income, FY2025: 90.27M USDFY2021FY2022FY2023FY2024FY2025
Revenue FY2021 460.73M USD. Revenue FY2022 438.34M USD. Revenue FY2023 606.54M USD. Revenue FY2024 643.37M USD. Revenue FY2025 759.29M USD. Operating income FY2021 149.02M USD. Operating income FY2022 113.82M USD. Operating income FY2023 78.32M USD. Operating income FY2024 79.52M USD. Operating income FY2025 121.86M USD. Net income FY2021 118.66M USD. Net income FY2022 92.53M USD. Net income FY2023 69.6M USD. Net income FY2024 61M USD. Net income FY2025 90.27M USD.
Metric (USD)FY2025FY2024FY2023FY2022FY2021
Revenue759.29M USD643.37M USD606.54M USD438.34M USD460.73M USD
Cost of goods sold371.07M USD286.35M USD239.25M USD53.66M USD37.4M USD
Gross profit388.21M USD357.02M USD367.29M USD384.68M USD423.34M USD
Selling, general, and administrative211.52M USD184.94M USD186.55M USD180.8M USD181.34M USD
Operating expenses266.35M USD277.5M USD288.97M USD270.86M USD274.31M USD
Interest income832.79M USD613.94M USD576.3M USD387.26M USD329.07M USD
Interest expense329.68M USD262.35M USD207.25M USD42.66M USD37.9M USD
Depreciation and amortization9.55M USD6.98M USD8.45M USD9.58M USD11.04M USD
Operating income121.86M USD79.52M USD78.32M USD113.82M USD149.02M USD
Net income90.27M USD61M USD69.6M USD92.53M USD118.66M USD

Company facts updated Aug 24, 2026.

Earnings

EPS beat rate
64%
7 beats, 3 misses, 1 met estimate
Average EPS surprise
+0.27%
11 comparable reports
Latest EPS result
0.77
Estimate 0.77 · Beat by 0.39%

EPS: actual versus estimate

Recent quarterly results

ActualEstimate
Quarterly EPS actual values compared with estimates0.870.710.560.4Q1 '25BeatQ2 '25BeatQ3 '25BeatQ4 '25MissQ1 '26MetQ2 '26MissQ3 '26BeatQ4 '26Estimate
Q1 2025, reported Jan 30, 2025: actual 0.6, estimate 0.547, surprise +9.69%, Beat. Q2 2025, reported Apr 24, 2025: actual 0.6, estimate 0.525, surprise +14.29%, Beat. Q3 2025, reported Jul 24, 2025: actual 0.69, estimate 0.592, surprise +16.55%, Beat. Q4 2025, reported Oct 29, 2025: actual 0.44, estimate 0.68, surprise -35.29%, Miss. Q1 2026, reported Jan 28, 2026: actual 0.79, estimate 0.79, surprise 0.00%, Met estimate. Q2 2026, reported Apr 29, 2026: actual 0.7, estimate 0.83, surprise -15.66%, Miss. Q3 2026, reported Jul 29, 2026: actual 0.77, estimate 0.767, surprise +0.39%, Beat. Q4 2026, reported Nov 4, 2026: actual —, estimate 0.78, surprise —, Comparison unavailable.

Revenue: actual versus estimate

Recent quarterly results

ActualEstimate
Quarterly Revenue actual values compared with estimates240.78M193.2M145.62M98.04MQ1 '25BeatQ2 '25BeatQ3 '25BeatQ4 '25MissQ1 '26MissQ2 '26MissQ3 '26MissQ4 '26Estimate
Q1 2025, reported Jan 30, 2025: actual 110.18M USD, estimate 107.89M USD, surprise +2.12%, Beat. Q2 2025, reported Apr 24, 2025: actual 110.44M USD, estimate 109.58M USD, surprise +0.79%, Beat. Q3 2025, reported Jul 24, 2025: actual 113.67M USD, estimate 113.34M USD, surprise +0.29%, Beat. Q4 2025, reported Oct 29, 2025: actual 144.95M USD, estimate 145.16M USD, surprise -0.15%, Miss. Q1 2026, reported Jan 28, 2026: actual 225.66M USD, estimate 230.94M USD, surprise -2.29%, Miss. Q2 2026, reported Apr 29, 2026: actual 214.72M USD, estimate 230.21M USD, surprise -6.73%, Miss. Q3 2026, reported Jul 29, 2026: actual 219.2M USD, estimate 221.13M USD, surprise -0.87%, Miss. Q4 2026, reported Nov 4, 2026: actual —, estimate 223.86M USD, surprise —, Comparison unavailable.

Analyst ratings

Third-party consensus; not a GoAI recommendation.

Rating distribution

13 ratings
Strong buy00%
Buy646%
Hold754%
Sell00%
Strong sell00%

BBT peers

Berkshire Hathaway Inc. logo

BRK-B

Berkshire Hathaway Inc.

$495.82

-0.21%

Berkshire Hathaway Inc. logo

BRK-A

Berkshire Hathaway Inc.

$743,500

-0.15%

JPMorgan Chase & Co. logo

JPM

JPMorgan Chase & Co.

$351.58

+0.01%

Visa Inc. logo

V

Visa Inc.

$371.04

+1.45%

Mastercard Incorporated logo

MA

Mastercard Incorporated

$580.63

+1.18%

Bank of America Corporation logo

BAC

Bank of America Corporation

$61.69

-0.27%

ETFs holding BBT

Funds reporting this stock among their holdings, ordered by reported position size.

iShares Core S&P Small-Cap ETF logoiShares Core S&P Small-Cap ETFIJR
Market value
166.22M
Weight
0.15%
AUM
111.19B USD
Expense ratio
0.06%
Price / 1D
$147.31+0.64%
Vanguard Morningstar Total Stock Market ETF logoVanguard Morningstar Total Stock Market ETFVTI
Market value
84.12M
Weight
0.00%
AUM
2.3T USD
Expense ratio
0.03%
Price / 1D
$378.24+0.44%
iShares Russell 2000 ETF logoiShares Russell 2000 ETFIWM
Market value
67.22M
Weight
0.08%
AUM
81.62B USD
Expense ratio
0.19%
Price / 1D
$299.96+0.77%
Vanguard Morningstar Small-Cap ETF logoVanguard Morningstar Small-Cap ETFVB
Market value
60.71M
Weight
0.03%
AUM
183.4B USD
Expense ratio
0.03%
Price / 1D
$304.76+0.64%
Vanguard Morningstar Small-Cap Value ETF logoVanguard Morningstar Small-Cap Value ETFVBR
Market value
38.56M
Weight
0.06%
AUM
68.3B USD
Expense ratio
0.05%
Price / 1D
$249.18+0.68%
State Street SPDR S&P Regional Banking ETF logoState Street SPDR S&P Regional Banking ETFKRE
Market value
32.88M
Weight
0.81%
AUM
4.06B USD
Expense ratio
0.35%
Price / 1D
$74.86+0.20%
Vanguard Extended Market ETF logoVanguard Extended Market ETFVXF
Market value
30.34M
Weight
0.03%
AUM
93.7B USD
Expense ratio
0.05%
Price / 1D
$245.53+0.82%
State Street SPDR Portfolio S&P 600 Small Cap ETF logoState Street SPDR Portfolio S&P 600 Small Cap ETFSPSM
Market value
24.89M
Weight
0.15%
AUM
17.03B USD
Expense ratio
0.03%
Price / 1D
$57.28+0.61%

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