Beacon Financial Corporation

BBT · NYSE · Financial Services / Banks - Regional

30.76USD+0.08 (+0.26%)

Price History

Full chart

Market Stats

Previous Close30.68

Open30.79

Day Range30.22 – 30.83

52-Week Range21.82 – 32.72

Volume446.30K

Market Cap2.35B

P/E (TTM)9.06

Forward P/E8.21

EPS3.09

Dividend Yield4.62%

Beta0.92

50-Day Avg31.03

200-Day Avg29.74

About

Beacon Financial Corporation operates as the bank holding company for Beacon Bank & Trust that provides various banking services in the United States and internationally. The company accepts commercial, municipal, and retail deposits. It originates mortgage loans on commercial and residential real estate, as well as commercial loans and leases. It is also involved in investment in debt and equity securities; and offers cash management, trust, and investment advisory services. In addition, the company provides specialty equipment financing and SBA lending, and online and mobile banking services, as well as wealth management services to individuals, families, endowments, and foundations. Beacon Financial Corporation was founded in 1846 and is headquartered in Boston, Massachusetts.

Company Details

SectorFinancial Services
IndustryBanks - Regional
CEOMr. Carl M. Carlson
Employees1.97K
Headquarters131 Clarendon Street, Boston, MA, United States, 02116, USA
Websitehttps://www.beaconfinancialcorporation.com

Leadership

Mr. Carl M. CarlsonChief Financial & Strategy Officer · b. 1964

Financials

Income Statement

Currency: USD	2020-12-31	2021-12-31	2022-12-31	2023-12-31	2024-12-31	2025-12-31
Total Revenue	-643.24M	460.73M	438.34M	606.54M	643.37M	759.29M
Growth (%)	-	+171.63%	-4.86%	+38.37%	+6.07%	+18.02%
Cost of Revenue	168.88M	37.40M	53.66M	239.25M	286.35M	371.07M
Gross Profit	-812.12M	423.33M	384.68M	367.29M	357.01M	388.21M
Gross Margin	126.25%	91.88%	87.76%	60.56%	55.49%	51.13%
Operating Expense	-279.09M	274.31M	270.86M	288.97M	277.50M	266.35M
Operating Income	-533.03M	149.02M	113.82M	78.32M	79.52M	121.86M
Operating Margin	82.87%	32.34%	25.97%	12.91%	12.36%	16.05%
EBITDA	-521.11M	160.06M	123.39M	86.77M	86.50M	131.41M
EBITDA Margin	81.01%	34.74%	28.15%	14.31%	13.44%	17.31%
Net Income	-533.02M	118.66M	92.53M	69.60M	61.00M	90.27M
Net Income Margin	82.86%	25.76%	21.11%	11.47%	9.48%	11.89%
Interest Expense	93.00M	37.90M	42.66M	207.25M	262.35M	329.68M
Interest Expense % of Total Revenue	-14.46%	8.23%	9.73%	34.17%	40.78%	43.42%

Balance Sheet

Currency: USD	2020-12-31	2021-12-31	2022-12-31	2023-12-31	2024-12-31	2025-12-31
Total Assets	12.87B	8.60B	9.19B	11.38B	11.91B	23.22B
Total Liabilities	11.68B	7.61B	8.19B	10.18B	10.68B	20.72B
Total Equity	1.19B	995.34M	992.13M	1.20B	1.22B	2.50B
Cash	-	327.74M	382.96M	133.03M	543.67M	2.04B
Total Debt	645.91M	377.83M	1.45B	1.41B	1.56B	879.07M
Net Debt	645.91M	50.09M	1.07B	1.28B	1.02B	-1.16B

Cash Flow

Currency: USD	2020-12-31	2021-12-31	2022-12-31	2023-12-31	2024-12-31	2025-12-31
Operating Cash Flow	231.91M	133.21M	120.76M	116.60M	104.95M	224.44M
Investing Cash Flow	636.84M	131.11M	-557.69M	-665.26M	-139.60M	2.30B
Financing Cash Flow	109.30M	-371.51M	492.15M	298.74M	445.29M	-1.03B
Capital Expenditure	7.21M	4.79M	7.39M	12.36M	4.99M	12.29M
Free Cash Flow	224.70M	128.42M	113.37M	104.24M	99.97M	212.16M
Dividends Paid	36.56M	37.46M	40.08M	47.93M	48.06M	63.12M
FCF to OCF	96.89%	96.40%	93.88%	89.40%	95.25%	94.53%
Dividend Paid to FCF	16.27%	29.17%	35.35%	45.98%	48.07%	29.75%

Earnings

Report Date	Jun 30, 2000	Sep 30, 2000	Jan 25, 2001	Apr 25, 2001	Jul 25, 2001	Oct 24, 2001	Jan 23, 2002	Apr 24, 2002	Jul 24, 2002	Oct 23, 2002	Jan 22, 2003	Apr 23, 2003	Jul 22, 2003	Oct 22, 2003	Jan 28, 2004	Apr 28, 2004	Jul 22, 2004	Oct 27, 2004	Jan 26, 2005	Apr 28, 2005	Jul 27, 2005	Oct 27, 2005	Jan 26, 2006	Apr 25, 2006	Jul 25, 2006	Oct 24, 2006	Jan 29, 2007	Apr 24, 2007	Jul 27, 2007	Oct 29, 2007	Jan 24, 2008	Apr 29, 2008	Jul 17, 2008	Oct 23, 2008	Jan 26, 2009	Apr 29, 2009	Jul 21, 2009	Oct 27, 2009	Jan 29, 2010	Apr 21, 2010	Jul 21, 2010	Oct 20, 2010	Jan 24, 2011	Apr 26, 2011	Jul 26, 2011	Oct 25, 2011	Jan 31, 2012	Apr 24, 2012	Jul 24, 2012	Oct 23, 2012	Jan 28, 2013	Apr 29, 2013	Jul 24, 2013	Oct 28, 2013	Jan 27, 2014	Apr 28, 2014	Jul 23, 2014	Oct 27, 2014	Jan 26, 2015	Apr 27, 2015	Jul 22, 2015	Oct 26, 2015	Jan 25, 2016	Apr 25, 2016	Jul 25, 2016	Oct 24, 2016	Jan 30, 2017	Apr 24, 2017	Jul 19, 2017	Oct 19, 2017	Jan 25, 2018	Apr 23, 2018	Jul 18, 2018	Oct 17, 2018	Jan 23, 2019	Apr 29, 2019	Jul 23, 2019	Oct 28, 2019	Jan 27, 2020	May 4, 2020	Jul 29, 2020	Oct 26, 2020	Jan 25, 2021	Apr 28, 2021	Jul 21, 2021	Oct 21, 2021	Jan 20, 2022	Apr 20, 2022	Jul 20, 2022	Oct 20, 2022	Jan 26, 2023	Apr 20, 2023	Jul 20, 2023	Oct 20, 2023	Jan 25, 2024	Apr 18, 2024	Jul 18, 2024	Oct 24, 2024	Jan 30, 2025	Apr 24, 2025	Jul 24, 2025	Oct 29, 2025	Jan 28, 2026	Apr 29, 2026	Jul 29, 2026	Nov 4, 2026
EPS Estimate	-	-	0.37	0.35	0.34	0.37	0.42	0.44	0.31	0.37	0.37	0.22	0.31	0.38	0.40	0.43	0.44	0.50	0.52	0.54	0.53	0.56	0.56	0.54	0.54	0.57	0.47	0.56	0.52	0.49	0.36	0.58	0.55	0.50	0.44	0.36	0.16	0.20	0.15	0.23	0.21	0.24	0.26	0.30	0.34	0.42	0.44	0.45	0.47	0.49	0.54	0.55	0.55	0.41	0.38	0.40	0.42	0.44	0.47	0.46	0.50	0.52	0.54	0.53	0.54	0.54	0.57	0.54	0.57	0.58	0.57	0.64	0.70	0.70	0.66	0.60	0.64	0.46	0.69	0.51	-0.17	0.13	0.18	0.22	0.29	0.38	0.42	0.41	0.47	0.59	0.64	0.64	0.57	0.49	0.49	0.47	0.52	0.55	0.55	0.48	0.59	0.74	0.79	0.84	0.77	0.78
EPS Actual	-0.25	0.35	0.35	0.30	0.37	0.35	0.28	0.28	0.36	0.38	0.13	0.32	0.38	0.39	0.40	0.42	0.47	0.53	0.51	0.52	0.53	0.54	0.52	0.55	0.51	0.57	0.48	0.56	0.52	0.49	0.36	0.58	0.55	0.51	0.44	0.27	0.18	0.14	-1.60	0.24	0.25	0.25	0.28	0.30	0.35	0.43	0.44	0.45	0.47	0.52	0.54	0.54	0.48	0.43	0.40	0.42	0.44	0.46	0.48	0.50	0.51	0.54	0.54	0.54	0.54	0.57	0.56	0.55	0.58	0.59	0.58	0.65	0.74	0.70	0.63	0.60	0.65	0.46	0.70	-0.07	-0.13	0.52	0.28	0.32	0.44	0.53	0.42	0.43	0.51	0.62	0.64	0.63	0.55	0.50	0.47	0.49	0.55	0.58	0.60	0.56	0.69	0.44	0.79	0.70	0.77	-
Surprise	-	-	-5.41%	-14.29%	8.82%	-5.41%	-33.33%	-36.36%	16.13%	2.70%	-64.86%	45.45%	22.58%	2.63%	0.00%	-2.33%	6.82%	6.00%	-1.92%	-3.70%	0.00%	-3.57%	-7.14%	1.85%	-5.56%	0.00%	2.13%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	2.00%	0.00%	-25.00%	12.50%	-30.00%	-1166.67%	4.35%	19.05%	4.17%	7.69%	0.00%	2.94%	2.38%	0.00%	0.00%	0.00%	6.12%	0.00%	-1.82%	-12.73%	4.88%	5.26%	5.00%	4.76%	4.55%	2.13%	8.70%	2.00%	3.85%	0.00%	1.89%	0.00%	5.56%	-1.75%	1.85%	1.75%	1.72%	1.75%	1.56%	5.71%	0.00%	-4.55%	0.00%	1.56%	0.00%	1.45%	-113.73%	23.53%	300.00%	55.56%	45.45%	51.72%	39.47%	0.00%	4.88%	8.51%	5.08%	0.00%	-1.56%	-3.51%	2.04%	-4.08%	4.26%	5.77%	5.45%	9.09%	16.67%	16.95%	-40.54%	0.00%	-16.67%	0.00%	-
Timing	-	-	After-hours	After-hours	After-hours	After-hours	After-hours	After-hours	After-hours	After-hours	After-hours	After-hours	After-hours	After-hours	After-hours	After-hours	After-hours	After-hours	After-hours	Pre-market	Pre-market	After-hours	After-hours	Pre-market	After-hours	After-hours	After-hours	After-hours	After-hours	After-hours	After-hours	After-hours	After-hours	After-hours	After-hours	After-hours	After-hours	After-hours	After-hours	After-hours	After-hours	After-hours	After-hours	After-hours	After-hours	After-hours	After-hours	After-hours	After-hours	After-hours	After-hours	After-hours	After-hours	After-hours	After-hours	After-hours	After-hours	After-hours	After-hours	After-hours	After-hours	After-hours	After-hours	After-hours	After-hours	After-hours	After-hours	After-hours	After-hours	After-hours	After-hours	After-hours	After-hours	After-hours	After-hours	After-hours	After-hours	After-hours	After-hours	After-hours	After-hours	After-hours	After-hours	After-hours	Pre-market	Pre-market	Pre-market	Pre-market	Pre-market	Pre-market	Pre-market	Pre-market	Pre-market	Pre-market	Pre-market	Pre-market	Pre-market	Pre-market	Pre-market	Pre-market	Pre-market	After-hours	After-hours	After-hours	After-hours	-

Key Statistics & Ratios

Market Cap2.35B

Enterprise Value2.13B

Trailing P/E9.06

Forward P/E8.21

PEG Ratio2.60

Price / Sales3.09

Price / Book0.92

EPS3.09

Book Value30.30

Revenue (TTM)759.50M

Gross Profit (TTM)759.50M

Profit Margin21.04%

Operating Margin46.05%

Return on Equity8.42%

Return on Assets0.95%

Shares Outstanding83.82M

Shares Float77.36M

Beta0.92

Dividend Yield4.62%

Dividend Rate1.29

Payout Ratio47.85%

Ownership Breakdown

Institutions: 93.64%
Insiders: 1.39%
Retail / Other: 4.97%

Top Institutional Holders

BlackRock Inc
12.18M14.53%
Millennium Management LLC
5.17M6.16%
Vanguard Portfolio Management, LLC
5.13M6.13%
Dimensional Fund Advisors, Inc.
4.96M5.91%
Fuller & Thaler Asset Management Inc
4.77M5.69%
State Street Corp
4.75M5.67%
Vanguard Capital Management, LLC
3.77M4.49%
HoldCo Asset Management, L.P.
2.26M2.70%
Geode Capital Management, LLC
2.04M2.44%
Verition Fund Managegment, LLC
2.02M2.40%
Adage Capital Partners Gp LLC
1.49M1.78%
The Goldman Sachs Group Inc
1.42M1.70%
Morgan Stanley - Brokerage Accounts
1.34M1.59%
Massachusetts Financial Services Company
1.20M1.44%

Top Fund Holders

iShares Core S&P Small-Cap ETF
5.10M6.08%
Undiscovered Managers Behavioral Val L
3.15M3.76%
Vanguard MStar Total Stk Mkt Idx Invest
2.67M3.18%
iShares Russell 2000 ETF
2.13M2.54%
Vanguard Small Cap Index
1.93M2.30%
Vanguard MStar Small Cap Value Index
1.22M1.46%

Dividends

20264×

0.32Nov 6, 20260.32Aug 14, 20260.32May 15, 20260.32Feb 13, 2026

20254×

0.32Nov 10, 20250.18Aug 14, 20250.18May 15, 20250.18Feb 20, 2025

20244×

0.18Nov 14, 20240.18Sep 30, 20240.18Jun 20, 20240.18Mar 20, 2024

20234×

0.18Nov 15, 20230.18Aug 16, 20230.18May 17, 20230.18Feb 15, 2023

20224×

0.18Nov 16, 20220.12Aug 10, 20220.12May 11, 20220.12Feb 9, 2022

20214×

0.12Nov 9, 20210.12Aug 25, 20210.12Jun 28, 20210.12Mar 22, 2021