Beacon Financial Corp BBT

Financials SIC 6036 - Savings Institutions, Not Federally Chartered NAICS Finance and Insurance › Credit Intermediation and Related Activities › Depository Credit Intermediation › Savings Institutions and Other Depository Credit Intermediation derived NYSE

Beacon Financial Corporation, a Delaware corporation, is the holding company for Beacon Bank & Trust and its subsidiaries and Clarendon Private.

The Company offers a wide range of commercial, business and retail banking services, including a full complement of cash management products, foreign exchange services, on-line and mobile banking services, consumer and residential loans and wealth management services. Clarendon Private is a registered investment advisor with the SEC. Through Clarendon Private and the Trust and Investments Division of the Bank, the Company offers a wide range of wealth management services to individuals, families, endowments and foundations to help these clients meet their long-term financial goals.

Last close 30.07 2026-10-23
Market cap $2.52B 2026-06-30 share count
52-week range 22.81 - 32.83

Valuation FY2025 figures against the last close

P/S84.2x
P/E29.2x
P/FCF11.9x
EV/EBITDA—
Dividend yield2.5%
Diluted EPS1.03

Annual financial statements

Income statement

Fiscal year FY2025FY2024FY2023FY2022FY2021FY2020FY2019FY2018FY2017FY2016
Revenue $29.9M$16.5M$16.2M$40.9M$46.1M$46.9M$49.7M$48.7M$45.0M$43.8M
Interest expense $503.1M$329.6M$339.7M$344.6M$37.9M$93.0M$144.3M$109.7M$64.1M$48.2M
Pre-tax income $121.9M$91.7M$93.9M$113.8M$149.0M-$533.0M$124.0M$138.2M$91.2M$77.5M
Income tax $31.6M$23.0M$18.9M$21.3M$30.4M$19.9M$22.5M$29.0M$42.1M$18.8M
Net income $90.3M$68.7M$75.0M$92.5M$118.7M-$533.0M$97.5M$105.8M$55.2M$58.7M
EPS, basic 1.030.770.852.032.41-10.601.982.301.401.89
EPS, diluted 1.030.770.852.022.39-10.601.972.291.391.88
Shares, diluted (wtd. avg.) 87.7M89.3M88.5M45.9M49.6M50.3M49.4M46.2M39.7M31.2M

Balance sheet

Fiscal year FY2025FY2024FY2023FY2022FY2021FY2020FY2019FY2018FY2017FY2016
Cash and equivalents $2.04B$543.7M$133.0M$383.0M$1.63B$1.56B$579.8M$183.2M$248.8M$113.1M
Property, plant and equipment $162.5M$86.8M$68.9M$85.2M$94.4M$112.7M$121.5M$108.4M$109.4M$93.2M
Goodwill $351.6M$241.2M$241.2M—$0$0$553.8M$518.3M$519.3M$403.1M
Other intangibles $189.6M$17.5M$19.7M$24.5M$29.6M$34.8M$45.6M$33.4M$38.3M$19.4M
Total assets $23.22B$11.91B$12.43B$11.66B$11.55B$12.84B$13.22B$12.21B$11.57B$9.16B
Short-term debt —$103.5M$260.0M$0$0$40.0M$125.0M$1.12B$667.3M$1.08B
Long-term debt $788.4M$1.52B$246.6M$125.5M$110.8M$531.6M$702.5M$399.0M$469.8M$232.0M
Total liabilities $20.72B$10.68B$11.42B$10.71B$10.37B$11.65B$11.46B$10.66B$10.07B$8.07B
Retained earnings $485.9M$458.9M-$33.1M-$71.4M-$139.4M-$233.3M$361.1M$308.8M$239.2M$217.5M
Total equity $2.50B$1.22B$1.20B$992.1M$1.18B$1.19B$1.76B$1.55B$1.50B$1.09B

Cash flow

Fiscal year FY2025FY2024FY2023FY2022FY2021FY2020FY2019FY2018FY2017FY2016
Operating cash flow $224.4M$105.0M$116.6M$110.7M$84.8M$227.6M$111.5M$222.3M$78.1M$98.1M
Depreciation and amortisation $10.0M$8.0M$8.4M$9.6M$11.0M$12.5M————
Stock-based compensation —$8.3M$7.5M$7.3M$4.2M$4.7M$4.8M$4.8M$5.1M$4.6M
Capital expenditure $12.3M$5.0M$12.4M$1.5M$1.6M$7.2M$10.6M$9.3M$11.3M$9.1M
Investing cash flow $2.30B-$139.6M-$665.3M-$1.26B$621.2M$641.1M$1.20B-$861.5M-$282.9M-$207.6M
Financing cash flow -$1.03B$445.3M$298.7M$207.7M-$636.1M$109.3M-$917.5M$573.7M$340.5M$119.0M
Dividends paid $63.1M$48.1M$47.9M$24.5M$24.6M$36.6M$45.1M$40.9M$33.2M$24.9M
Buybacks —$17.5M$23.8M$124.5M$68.7M$473.0K$52.7M$0$0$0

Figures as tagged in each year's own filing, in US dollars. A year restated by a later filing shows the restated figure. Capital expenditure, dividends and buybacks are cash out, shown positive. A line the filer does not report is not listed. Latest from accession 0001628280-26-013247.

Plot the figures US dollars

Income statement Revenue Cost of revenue Gross profit R&D SG&A Total operating expenses Operating income Interest expense Pre-tax income Income tax Net income EPS, basic EPS, diluted Shares, diluted (wtd. avg.)
Balance sheet Cash and equivalents Short-term investments Receivables Inventory Total current assets Property, plant and equipment Goodwill Other intangibles Total assets Accounts payable Short-term debt Total current liabilities Long-term debt Total liabilities Retained earnings Total equity
Cash flow Operating cash flow Depreciation and amortisation Stock-based compensation Capital expenditure Investing cash flow Financing cash flow Dividends paid Buybacks
  • Revenue
  • Gross profit
  • Net income
Revenue, Gross profit, Net income by fiscal year, in US dollars The same figures are in the table below this chart. -600M -400M -200M 0 200M Revenue, FY2016: 43.8M Net income, FY2016: 58.7M Revenue, FY2017: 45M Net income, FY2017: 55.2M Revenue, FY2018: 48.7M Net income, FY2018: 105.8M Revenue, FY2019: 49.7M Net income, FY2019: 97.5M Revenue, FY2020: 46.9M Net income, FY2020: -533M Revenue, FY2021: 46.1M Net income, FY2021: 118.7M Revenue, FY2022: 40.9M Net income, FY2022: 92.5M Revenue, FY2023: 16.2M Net income, FY2023: 75M Revenue, FY2024: 16.5M Net income, FY2024: 68.7M Revenue, FY2025: 29.9M Net income, FY2025: 90.3M FY2016 FY2017 FY2018 FY2019 FY2020 FY2021 FY2022 FY2023 FY2024 FY2025
Fiscal year FY2016FY2017FY2018FY2019FY2020FY2021FY2022FY2023FY2024FY2025
Revenue $43.8M $45.0M $48.7M $49.7M $46.9M $46.1M $40.9M $16.2M $16.5M $29.9M
Gross profit — — — — — — — — — —
Net income $58.7M $55.2M $105.8M $97.5M -$533.0M $118.7M $92.5M $75.0M $68.7M $90.3M

Recent filings and events

  • Material agreement signed The company entered an agreement outside the ordinary course of business - a large contract, a credit facility, a merger agreement. Item 1.01
  • New debt or obligation The company has taken on debt or a comparable obligation. Item 2.03
  • Other event The catch-all. The company chose to disclose something that fits no other item, so the content is whatever it says it is. Item 8.01
  • Regulation FD disclosure Something the company told the market and had to tell everyone at once - usually a slide deck or a press release. Item 7.01
  • Officer or director change Someone at the top arrived or left. The item covers everything from a board retirement to a chief executive being removed, and only the filing itself says which. Item 5.02
  • Other event Item 8.01
  • Results announced The quarterly or annual earnings release. Arrives four times a year from almost every company here. Item 2.02
  • Regulation FD disclosure Item 7.01
  • Other event Item 8.01
  • Shareholder vote The results of the annual meeting or a special vote. Item 5.07
  • Other event Item 8.01
  • Results announced Item 2.02

Item numbers are Form 8-K's own, and a filing date is up to four business days after the thing it reports. The same feed across the whole market.

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