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BBT Financials Beacon Financial Corp

15 years of revenue, profit, cash flow and balance-sheet history through FY2025, from SEC filings — with a computed, factual read of the trend. Updated Overview →

Growth & profitability

  • Revenue has declined 8.6% per year over the past 5 years.
  • Free cash flow has declined 0.8% per year over the past 5 years.

Financial health

  • The company holds more cash ($2.0B) than total debt ($788M).
  • Total debt has grown faster than revenue (6.6% vs -8.6% per year).

Shareholder returns

  • Dividends have been paid for 15 consecutive years, consuming 69.9% of earnings and 29.8% of free cash flow.
  • The dividend has grown 11.5% per year over the past 5 years.
Revenue & net income
-$533M -$207M $119M $0 2010 2013 2015 2017 2019 2021 2023 2025
RevenueNet income
Margins (gross / operating / net)
-1138% -338% 462% 0% 2010 2013 2015 2017 2019 2021 2023 2025
GrossOperatingNet
Return on equity & assets (ROE / ROA)
-45% -17% 10% 0% 2010 2013 2015 2017 2019 2021 2023 2025
ROEROA
Free cash flow (CFO − capex)
$0 $110M $220M 2010 2013 2015 2017 2019 2021 2023 2025
Free cash flow
Cash vs total debt
$0 $1B $2B 2010 2013 2015 2017 2019 2021 2023 2025
CashTotal debt
Cash flow: operating / investing / financing
-$1B $520M $2B $0 2010 2013 2015 2017 2019 2021 2023 2025
OperatingInvestingFinancing

Key annual figures

FYRevenueNet incomeGross MOp MROEROAFCFTotal debtCash
2025 $30M $90M 0.0% 0.0% 3.6% 0.4% $212M $788M $2.0B
2024 $17M $69M 0.0% 0.0% 5.6% 0.6% $100M $1.6B $544M
2023 $16M $75M 0.0% 0.0% 6.3% 0.6% $104M $507M —
2022 $41M $93M 0.0% 0.0% 9.3% 0.8% $109M $126M —
2021 $46M $119M 0.0% 0.0% 10.0% 1.0% $83M $111M —
2020 $47M -$533M 0.0% 0.0% -44.9% -4.2% $220M $572M —
2019 $50M $97M 0.0% 0.0% 5.5% 0.7% $101M $828M $580M
2018 $49M $106M 0.0% 0.0% 6.8% 0.9% $213M $1.5B $183M
2017 $45M $55M 0.0% 0.0% 3.7% 0.5% $67M $1.1B $249M
2016 $44M $59M 0.0% 0.0% 5.4% 0.6% $89M $1.3B $113M
2015 — $50M — — 5.6% 0.6% $79M $1.3B $104M
2014 — $34M — — 4.8% 0.5% $47M $1.1B $72M
2013 — $41M — — 6.1% 0.7% $114M $1.1B $76M
2011 — $18M — — 3.2% 0.4% $32M $237M $75M
2010 — $14M — — 3.6% 0.5% $36M — $13M

Valuation over time

How the market has priced BBT against its own fundamentals since 2025-09 — each month-end's share price set against the most recent annual filing, so the multiple moves as price runs ahead of (or behind) earnings. Split-adjusted.

Price / earnings (P/E)
0.0 15.6 31.2 Sep '25 Nov '25 Jan '26 Mar '26 May '26 Jul '26 Sep '26 Nov '26
P/E
Price / sales (P/S)
0.0 64.8 129.7 Sep '25 Nov '25 Jan '26 Mar '26 May '26 Jul '26 Sep '26 Nov '26
P/S
Dividend yield (%)
0.0 1.4 2.9 Sep '25 Nov '25 Jan '26 Mar '26 May '26 Jul '26 Sep '26 Nov '26
Dividend yield %

Frequently asked questions

Is BBT growing its revenue and profit?

Over the past 5 years, Beacon Financial Corp's revenue has declined 8.6% per year. These are computed facts, not advice.

How much debt does BBT have?

As of FY2025, Beacon Financial Corp reported $788M of total debt against $2.0B of cash.

What is BBT's profit margin?

In FY2025, gross margin was —, operating margin —, and net margin 301.4%.

What is BBT's P/E ratio?

Beacon Financial Corp's P/E (TTM) is 16.55 as of the 2026-11-02 close — market cap ÷ net income over the trailing twelve months where four consecutive quarters are reported, otherwise the latest fiscal year, the same figure as on the BBT stock page. The valuation chart above sets each month-end's price against the latest annual net income instead, so its latest point (about 29.3× as of Nov '26) can differ. These are computed facts, not advice.

Where does this data come from?

All figures are extracted from the company’s SEC EDGAR/XBRL filings — 10-K annual reports and 10-Q quarterly reports (use the Annual / Quarterly toggle). Quarterly figures are derived from the as-filed statements (year-to-date amounts are differenced into discrete quarters). Growth rates and ratios are computed by tradmap; nothing here is investment advice.

Source: SEC EDGAR / XBRL (10-K + 10-Q filings) · prices EOD (Databento), split-adjusted; price return — dividends not reinvested · growth rates, valuation multiples & ratios computed by tradmap. Valuation uses each month-end price against the latest annual filing. Informational only — not investment advice.