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 29.2× (Sep '26).
The price-to-sales ratio has fallen from 120.1× (Sep '25) to 88.1× (Sep '26).
The dividend yield has fallen from 2.4% (Sep '25) to 2.4% (Sep '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?
As of Sep '26, Beacon Financial Corp traded at a price-to-earnings ratio of about 29.2× (market cap ÷ latest annual net income). The valuation charts above show how its P/E, P/S and dividend yield have moved with the share price. 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), corporate-action-adjusted ·
growth rates, valuation multiples & ratios computed by tradmap. Valuation uses each month-end price
against the latest annual filing. Informational only — not investment advice.