# Beacon Financial Corporation (BBT) fundamentals

Data as of 2026-11-04. NYSE, United States. Sector: Financial Services / Banks. Price $30.85, market value $2.6 billion.

## Valuation
- **P/E (trailing): 9.7×** (5-yr avg 22.1×, 3-yr avg 29.0×). Beacon Financial Corporation trades at 9.7× trailing earnings, well below its own five-year average of 22.1×: cheap by its own standards. The Financial Services median in the September 2026 study was 13.1×. Forward P/E is 9.1×, lower than trailing, so analysts expect earnings to grow.
- **PEG: 0.27**. A PEG of 0.27 means the P/E is low relative to expected earnings growth: the market is not paying much for that growth.
- **Price / sales: 86.3×**. Each dollar of revenue is priced at 86.3×, a level that requires very high margins or very fast growth to justify.
- **Price / book: 1.0×**. The shares trade at 1.0× book value; book value is a meaningful part of the valuation.
- **Earnings yield: 10.3%**. The inverse of the P/E: 10.3% of the price is earned each year.

## Profitability
- **Net margin: 301.4%**. 301.4% of each dollar of sales reaches the bottom line.
- **Return on equity: 3.6%**. 3.6% on shareholders' equity is weak; the business earns little on the capital its owners have in it.
- **Return on assets: 0.4%**. Each dollar of assets produces 0.4% of profit; low single digits are normal for banks and insurers.

## Growth
- **Revenue growth (1 yr): 81.1%** (3-yr -9.8%/yr, 5-yr -8.6%/yr). Revenue grew 81.1% over the last year, against -8.6% a year compounded over five years: growth is accelerating.
- **EPS growth (1 yr): 33.8%** (3-yr -20.1%/yr). Earnings per share rose 33.8%, slower than revenue, so margins compressed.
- **Free-cash-flow growth (3 yr): 24.8%/yr**. Free cash flow has compounded at 24.8% a year over three years, keeping pace with earnings: the growth is real cash.

## Financial health
- **Piotroski F-score: 5/9**. 5 of 9 checks pass: mixed.
- **Cash and short-term investments: $2.0 billion**. Leverage ratios are shown differently for banks and insurers, whose balance sheets are built on deposits and reserves; use return on equity and the regulatory capital in the filings instead.

## Dividends
- **Dividend yield: 4.18%** ($1.29 per share, trailing). Beacon Financial Corporation yields 4.18%, an income-level yield.
- **Payout ratio: 70%**. 70% of earnings goes out as dividends, leaving room to keep raising it.
- **Consecutive years of increases: 4**. 4 straight years of increases.
- **Dividend growth (5 yr): 3.7%/yr** (1-yr 19.9%). The dividend has grown 3.7% a year over five years.

## Analyst view
- **Analyst consensus: buy** (6 analysts). 6 analysts cover Beacon Financial Corporation; the consensus is buy, with an average price target of $35.00 (+13% from the current price). Analyst opinion is shown for context; it is not part of the Fundamental Score.

## Price and momentum
- **Total return (1 yr): 34.2%** (YTD 22.4%, 3-mo -1.1%). The shares are up 34.2% over twelve months including dividends.
- **From 52-week high: -6.0%** (28.0% above the low). Trading 6% below its 52-week high.
- **200-day average: above**. The price sits above its 200-day moving average, the usual definition of an uptrend.
- **RSI (14-day): 72**. An RSI of 72 is in overbought territory; short-term pullbacks are common from here.
- **Beta (1 yr): 0.42** (volatility 27%). Beta of 0.42 against the S&P 500: the shares move much less than the market.

Live score and charts: https://foliofundamentals.com/analyzer?s=BBT · Page: https://foliofundamentals.com/stocks/bbt

Not investment advice.