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
RevenueNet income
Margins (gross / operating / net)
GrossOperatingNet
Return on equity & assets (ROE / ROA)
ROEROA
Free cash flow (CFO − capex)
Free cash flow
Cash vs total debt
CashTotal debt
Cash flow: operating / investing / financing
OperatingInvestingFinancing
Key annual figures
FY
Revenue
Net income
Gross M
Op M
ROE
ROA
FCF
Total debt
Cash
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
Net income
Net income
Return on equity & assets (ROE / ROA)
ROEROA
Shareholders' equity (book value)
Equity
Free cash flow (CFO − capex, quarterly)
Free cash flow
Cash vs total debt
CashTotal debt
Cash flow: operating / investing / financing
OperatingInvestingFinancing
Key quarterly figures
Quarter
Revenue
Net income
Gross M
Op M
ROE
ROA
FCF
Total debt
Cash
Jun '26
—
$64M
—
—
2.5%
0.3%
—
$889M
$1.2B
Mar '26
—
$46M
—
—
1.8%
0.2%
—
$1.1B
$1.1B
Dec '25
—
$53M
—
—
2.1%
0.2%
$160M
$788M
$2.0B
Sep '25
—
-$4M
—
—
-0.2%
-0.0%
-$4M
$1.1B
$1.2B
Jun '25
—
$22M
—
—
1.8%
0.2%
$31M
$586M
—
Mar '25
—
$19M
—
—
1.5%
0.2%
$5M
$685M
—
Dec '24
—
$18M
—
—
1.4%
0.1%
$42M
$1.6B
$544M
Sep '24
—
$20M
—
—
1.6%
0.2%
$17M
$707M
—
Jun '24
—
$16M
—
—
1.4%
0.1%
$34M
$811M
—
Mar '24
—
-$20M
—
—
-2.0%
-0.2%
$7M
$459M
—
Dec '23
—
-$1M
—
—
-0.1%
-0.0%
$51M
$507M
—
Sep '23
—
$20M
—
—
2.1%
0.2%
$35M
$926M
—
Jun '23
—
$24M
—
—
2.5%
0.2%
$28M
$796M
—
Mar '23
—
$28M
—
—
2.8%
0.2%
$40M
$1.0B
—
Dec '22
—
$31M
—
—
3.1%
0.3%
$22M
$126M
—
Sep '22
—
$19M
—
—
2.0%
0.2%
$78M
$125M
—
Jun '22
—
$23M
—
—
2.3%
0.2%
-$3M
$254M
—
Mar '22
—
$20M
—
—
1.8%
0.2%
$13M
$112M
—
Dec '21
—
$20M
—
—
1.7%
0.2%
$23M
$111M
—
Sep '21
—
$64M
—
—
5.4%
0.5%
$19M
$111M
—
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.
The price-to-earnings ratio has risen from 28.9× (Sep '25) to 29.3× (Nov '26).
The price-to-sales ratio has fallen from 120.1× (Sep '25) to 88.3× (Nov '26).
The dividend yield has fallen from 2.4% (Sep '25) to 2.4% (Nov '26).
Price / earnings (P/E)
P/E
Price / sales (P/S)
P/S
Dividend yield (%)
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.