# Beacon Financial Corporation (BBT) fundamentals

Data as of 2026-09-08. NYSE, United States. Sector: Financial Services / Banks. Price $31.89, market value $2.7 billion.

## Valuation
- **P/E (trailing): 10.4×** (5-yr avg 22.1×, 3-yr avg 29.0×). Beacon Financial Corporation trades at 10.4× 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 9.6×, lower than trailing, so analysts expect earnings to grow.
- **PEG: 0.28**. A PEG of 0.28 means the P/E is low relative to expected earnings growth: the market is not paying much for that growth.
- **Price / sales: 89.3×**. Each dollar of revenue is priced at 89.3×, a level that requires very high margins or very fast growth to justify.
- **Price / book: 1.1×**. The shares trade at 1.1× book value; book value is a meaningful part of the valuation.
- **Earnings yield: 9.7%**. The inverse of the P/E: 9.7% 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: 4.05%** ($1.29 per share, trailing). Beacon Financial Corporation yields 4.05%, 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.

## Price and momentum
- **Total return (1 yr): 24.6%** (YTD 23.6%, 3-mo 10.6%). The shares are up 24.6% over twelve months including dividends.
- **From 52-week high: -2.9%** (39.8% above the low). Trading within 5% of 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): 56**. An RSI of 56 is neutral.
- **Beta (1 yr): 0.58** (volatility 27%). Beta of 0.58 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.