Beacon Financial (BBT) Stock Fundamentals, Analysis & Risk Signals

Health score, price, valuation, risk signals, and key metrics at a glance.

Beacon Financial

NYSE•Financial Services•Banks - Regional

$31.89+0.41(0.01%)Market closed

Market Cap

$2.60B

P/E

17.9x

P/S

2.2x

P/B

1.0x

Beacon Financial Corporation operates as the bank holding company for Beacon Bank & Trust that provides various banking services in the United States and internationally. The company accepts commercial, municipal, and retail deposits. It originates mortgage loans on commercial and residential real estate, as well as commercial loans and leases. It is also involved in investment in debt and equity securities; and offers cash management, trust, and investment advisory services. In addition, the company provides specialty equipment financing and SBA lending, and online and mobile banking services, as well as wealth management services to individuals, families, endowments, and foundations. Beacon Financial Corporation was founded in 1846 and is headquartered in Boston, Massachusetts.

How this company scores

WeakMetricSide Score: 76/100

Grade capped at D — Interest coverage below 1× (0.9x) — earnings cannot cover interest. Strongest: Cash & Earnings Quality (23/25); weakest: Balance Sheet & Red Flags (13/25).

Profitability18/25

Growth22/25

Balance Sheet & Red Flags13/25

Cash & Earnings Quality23/25

Strengths

Growing revenueRising free cash flowStrong marginsRising earnings

Grade capped at D

Interest coverage below 1× (0.9x) — earnings cannot cover interest.

Valuation vs. 5-year range

Today's multiple positioned against its own trailing range — a visual premium/discount check.

P/E · 17.9x5y range 9.8x – 81.3x

Currently above its 20-quarter median.

P/S · 2.2x5y range 1.6x – 2.9x

Currently near its 20-quarter median.

P/B · 1.0x5y range 0.9x – 1.3x

Watch items

Data-driven signals worth keeping an eye on across the last 8 quarters

High Risk

Margin Pressure

Red Flag

Operating margins dropped 35.7% over recent quarters — a sharp decline suggesting serious cost or pricing challenges.

Leverage Risk

Watch

Debt-to-equity has risen 89.6% recently — increasing financial risk even if the current ratio is manageable.

Price & Volume

Market Cap $2.60B

Metrics at a Glance

as of June 2026

Revenue & Profit

Revenue, EBITDA, operating income, net income, EPS, and shares

TTM Revenue: $1.18B
Q. Revenue: $319.62M
TTM EBITDA: $240.82M
TTM Op. Income: $198.70M
Q. Op. Income: $86.93M
TTM Net Income: $144.83M
Q. Net Income: $64.43M
EPS: $0.77
Shares Out.: $83.82M

$1.18B in TTM revenue grew 65.5% YoY, reaching $319.62M last quarter. TTM EBITDA of $240.82M and TTM operating income of $198.70M show growth is flowing through to the bottom line. TTM net income of $144.83M means revenue is converting into profit. Across the last 8 quarters, TTM revenue has risen for 4 consecutive quarters — an improving trend.

Margins

Gross, EBITDA, operating, and net margin trends

Gross Margin: 68.6%
EBITDA Margin: 29.8%
Op. Margin: 27.2%
Net Margin: 20.2%

Op. margin of 27.2% is up 3.2% YoY — cost efficiency is improving. Net margin at 20.2% and gross margin of 68.6% show how much of each revenue dollar survives to profit. Over the past year, operating margin is up 13% — an improving trend.

Price Ratios

P/E, P/S, P/B, EV/EBITDA, FCF yield, and earnings yield

P/E Ratio: 17.9x
P/S Ratio: 2.2x
P/B Ratio: 1.0x

At 17.9x P/E, the stock trades within typical market levels. P/S of 2.2x and P/B of 1.0x provide additional context. Use the growth and margin sections to judge whether the multiple is justified. Across the last 8 quarters, P/E has fallen for 3 consecutive quarters — an improving trend.

Assets & Liabilities

Total assets, cash, debt, book value, and leverage

Total Assets: $22.25B
Cash: $1.22B
Long-Term Debt: $888.59M
Book Value: $2.54B
D/E Ratio: 0.3
Debt/EBITDA: 9.3

With $22.25B in assets and $888.59M in long-term debt, D/E is 0.3and book value is $2.54B — a conservative capital structure with a cushion to weather downturns. Over the past year, debt/equity is up 90% — an improving trend.

Cash Flow

Operating cash flow, free cash flow, FCF margin, and earnings quality

Op. Cash Flow: $64.13M
TTM Free Cash Flow: $200.47M
FCF Margin: 17.0%
FCF / Net Income: 1.4

TTM FCF of $200.47M on $64.13M in operating cash flow. The FCF / Net Income ratio of 1.4x means free cash flow covers net income — earnings are backed by cash. Over the past year, free cash flow is up 48% — an improving trend.