BBTNYSESavings Institutions, Not Federally CharteredFiscal year ends December 31
Beacon Financial Corp
Financials through Q2 FY2026, quarter ended Jun 30, 2026Last filing: 10-Q on Aug 7, 2026
$27.36−0.14 (-0.51%)
Close on Oct 19, 2026
- Market cap
- $2.30B
- P/E (TTM)
- 14.3
- Dividend yield
- 2.66%
Margins
Share of revenue, fiscal years 2011 to 2025
Net margin
301.4%+440.6 pts over 5 years
Growth rates
Compound annual growth to fiscal 2025
| Per year | 1 year | 3 years | 5 years | 10 years | Five-year pace |
|---|---|---|---|---|---|
| Revenue | +81.1% | -58.3% | -39.9% | -19.7% | |
| Net income | +31.4% | -0.8% | – | +6.2% | |
| EPS, diluted | +33.8% | -20.1% | – | -5.1% | |
| Free cash flow | +112.2% | +24.8% | -0.8% | +10.4% | |
| Dividend per share | +34.8% | +10.5% | +0.2% | -0.4% |
Returns and balance sheet
10 fiscal years. Hover a measure to see how it is calculated.
| Measure | FY2016 | FY2020 | FY2025 | Trend |
|---|---|---|---|---|
| Return on equity | 5.9% | -36.2% | 4.9% | |
| Return on assets | 0.7% | -4.1% | 0.5% | |
| Capex to revenue | 3.1% | 1.9% | 41.0% | |
| Diluted shares | 31M | 50M | 88M |
Where the cash went
Fiscal 2021 to 2025, five years combined
Beacon Financial generated $641.52M from operations and spent $475.53M on capital expenditure, dividends and share buybacks. 7% of that went back into the business.
Generated
$641.52M
Used
$475.53M
Capital expenditure$32.73M7%Dividends$208.18M44%Share buybacks$234.61M49%
DuPont analysis
Return on equity split into margin, efficiency and leverage
Net margin301.4%
×Asset turnover0.00×
×Equity multiplier9.45×
=Return on equity, FY20254.9%
| Fiscal year | Net margin | Asset turnover | Equity multiplier | Return on equity |
|---|---|---|---|---|
| FY2025 | 301.4% | 0.00× | 9.45× | 4.9% |
| FY2024 | 415.5% | 0.00× | 10.05× | 5.7% |
| FY2023 | 462.0% | 0.00× | 11.00× | 6.8% |
| FY2022 | 22.4% | 0.04× | 10.68× | 8.5% |
| FY2021 | 27.3% | 0.04× | 10.29× | 10.0% |
| FY2020 | -139.1% | 0.03× | 8.84× | -36.2% |
| FY2019 | 21.7% | 0.04× | 7.68× | 5.9% |
| FY2018 | 24.6% | 0.04× | 7.80× | 6.9% |
| FY2017 | 15.1% | 0.04× | 8.01× | 4.3% |
| FY2016 | 19.7% | 0.04× | 8.58× | 5.9% |
Piotroski F-Score
Nine tests of profitability, balance sheet and efficiency, fiscal 2025 against fiscal 2024
6of 6 tests passed in fiscal 2025. Some tests lack the figures they need.
- ProfitableNet income above zero$90.27M
- Cash generatingOperating cash flow above zero$224.44M
- Return on assets improvedROA up on the prior year0.6% → 0.8%
- Earnings backed by cashOperating cash flow above net income$224.44M vs $90.27M
- Less leverageLong-term debt to assets fell– → –
- Better liquidityCurrent ratio rose– → –
- No dilutionShare count did not rise89M → 88M
- Gross margin improvedGross margin up on the prior year– → –
- More efficientAsset turnover rose0.00 → 0.00