Stock Ratings / Financials / BBT / financials

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Beacon Financial Corporation (BBT) Revenue-to-Profit Sankey Flow & SEC XBRL Financials

$30.66 +0.92% NYSE • Live Quote vs Prior Daily Close (Synced Snapshot)

Beacon Financial Corporation (BBT) carries a Roarable Rating of C (Hold) with 63/100 RQD Confidence. The composite score sits in the neutral Hold band (59–69), meaning current holders don’t need to panic-sell while prospective buyers can wait for a move into the 70+ Buy zone.

ROARABLE C • HOLD / WATCH Cap $2.57B

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INTERACTIVE SCENARIO DECK:

🛡️ Portfolio Crash X-Ray

RQD QUANT TACHOMETERHOLD / WATCH • C

JEV AI Jury Split (Battleground)

Cash

SEC

Whale

Impersonal quantitative research (0–100 RQD rubric) — not individualized investment advice. Past performance does not guarantee future results. Full Disclaimer

5-PILLAR SNOWFLAKE RADARRw C · Rk C

Each axis scored 0–20

12M PRICE TARGET CONE+2.3% Base Target

WHALE OPTIONS SNAPSHOT: — (No Active Options Snapshot on file for BBT)Realized 20D OHLCV Swing Band: ±5.3%

VISUAL REVENUE-TO-PROFIT SANKEY WATERFALL • FY 2025 (10-K)

How BBT Turns Every Dollar of Sales Into Real Bottom-Line Profit

Free Cash Flow:$212.2M (708.4% FCF Margin)

Multi-Year SEC EDGAR XBRL Revenue, Net Profit & Free Cash Flow Trajectory

■ Revenue■ Net Profit■ Free Cash Flow

FY23

Rev $16.2M

FY24

Rev $16.5M

FY25

Rev $29.9M

Fiscal Year	Revenue	Gross Margin	Op Margin	Net Profit	Free Cash Flow	ROIC %
FY 2025	$29.9M	52%	0%	$90.3M	$212.2M	3.6%
FY 2024	$16.5M	52%	0%	$68.7M	$100.0M	3.6%
FY 2023	$16.2M	52%	0%	$75.0M	$116.6M	3.6%

ON-DEMAND RQD QUANT WORKSHOP • SPONSORED / PARTNER SPOTLIGHTHosted by Perry Belcher & Roarable Forensic Quant Desk

Red-Light Warning Desk: Spotting SEC Cash-Flow & Dilution Risks Before Downgrades (Featuring BBT)

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BBT // CANDLESTICK & AUTO-TRENDLINE WORKSTATION6M: +7.47%📐 HORIZONTAL RANGE

2026-10-30O $30.97H $31.03L $30.36C $30.66VOL 1.22M

RES: $34.61SUP: $26.30SMA50: $29.57SMA200: $29.94

PRIMARY-SOURCE FORENSICS, SECOND-ORDER LINKS & AI ANALYST DESK

BBT Dilution Monitor, Expectations Hurdle, Butterfly Connections & Policy Exposure

🦋 BBT Butterfly Map → + Track BBT →

Share Count & Dilution Monitor (#25)

Multi-year comparable XBRL diluted share count not disclosed (ETF or recent listing).

Reverse-DCF Expectations Hurdle (#30)

21.9%/yr Implied 5Y Growth

vs. +81.1% actual YoY revenue growth (assuming 9.25% cost of equity & 16.5x terminal multiple).

Ellis Vennor Setup Ledger (#33)

No active Ellis Vennor swing setup published on BBT today. View full Setup Ledger →

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No direct multi-tier Butterfly edges indexed yet for BBT. Explore sector supply chains on /butterfly.

AI Analyst Theses, Washington Policy & Company Video

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DETERMINISTIC MULTI-FACTOR EQUITY AUDIT • SEC EDGAR XBRL × RQD PEER BENCHMARK

📊 Quantitative Sector Peer Comparison, SEC Filing Delta & Investment FAQ (BBT)

Financials Rank #385 of 1096 ⚔️ FLG vs BBT Full Matrix →

1. Head-to-Head Financials Peer Comparison (BBT vs. FLG, HFWA, NBBK, SMBC)

Industry: Banks (24 Tracked Issuers)

Across 1096 tracked Financials securities in the Roarable RQD universe, Beacon Financial Corporation (BBT) ranks #385 by composite RQD confidence (63/100, grade C) and #392 by equity capitalization ($2.57B). Within this direct 5-issuer industry benchmark cohort, SMBC leads on earnings valuation at 13.5x trailing P/E, while SMBC leads on capital efficiency and profitability with 10.3% ROIC and — gross margin. NBBK currently holds the highest overall quantitative score in the immediate peer group at 69/100 (C+) compared with BBT at 63/100 (C).

Ticker / Company	Roarable Grade	RQD Score	Trailing P/E	Gross Margin	ROIC	1D Change	Market Cap	Head-to-Head
BBT ACTIVE Beacon Financial Corporation	C	63/100	28.5x	—	3.6%	+0.92%	$2.57B	Benchmark Subject
FLG Flagstar Bank N.A.	E	22/100	—	—	-0.6%	+3.05%	$4.35B	/flg-vs-bbt →
HFWA Heritage Financial Corporation	C+	68/100	17.5x	—	7.3%	+0.80%	$1.18B	/hfwa-vs-bbt →
NBBK NB Bancorp Inc.	C+	69/100	19.7x	—	5.9%	+0.45%	$988.5M	/nbbk-vs-bbt →
SMBC Southern Missouri Bancorp Inc.	C	63/100	13.5x	—	10.3%	-0.25%	$791.2M	/smbc-vs-bbt →

2. Multi-Year SEC XBRL Revenue, Cash Flow & Balance-Sheet Trajectory (FY2023–FY2025)

SEC EDGAR 10-K • FILED 2025-12-31 • CIK 0001108134

In its most recent audited fiscal period (FY2025, filed 2025-12-31), Beacon Financial Corporation (BBT) reported GAAP revenue of $29.9M (+81.1% vs. FY2024 revenue of $16.5M , and +84.5% cumulative change since FY2023) , GAAP net income of $90.3M, operating cash flow of $224.4M, and free cash flow of $212.2M (+112.2% YoY). On the balance sheet, BBT closed FY2025 with $23.22B in total assets against $0 in total debt (Altman Z-Score: N/A, Piotroski F-Score: 6/9).

Fiscal Period	Filing Date	Revenue	Net Income	Operating Cash Flow	Free Cash Flow	Total Assets	Total Debt
FY2025 (FY)	2025-12-31	$29.9M	$90.3M	$224.4M	$212.2M	$23.22B	—
FY2024 (FY)	2024-12-31	$16.5M	$68.7M	$105.0M	$100.0M	$11.91B	—
FY2023 (FY)	2023-12-31	$16.2M	$75.0M	$116.6M	$116.6M	—	—

3. BBT Data-Verified Investor FAQ (RQD Rating, Sector Peers, SEC Forensics & Technicals)

✓ SCHEMA.ORG FAQPAGE JSON-LD ENABLED

Is BBT stock a Buy, Hold, or Sell right now according to Roarable's RQD model?

As of 2026-11-01, Beacon Financial Corporation (NYSE: BBT) is rated C (Hold / HOLD) by Roarable's 5-pillar RQD engine with a composite confidence score of 63/100 at a spot price of $30.66 (+0.92% 1D, market cap $2.57B). Pillar breakdown: Fundamental Cash Engine 13/20, Institutional 13F & Options Flow 9/20, Executive Insider Alignment 13/20, FRED Macro Regime Fit 13/20, and SEC Balance-Sheet Forensics 15/20. Across 1096 tracked Financials issuers, BBT ranks #385 in composite RQD confidence.

How does BBT compare to FLG and HFWA in the Financials sector?

Within the Financials sector (Banks), BBT carries a Roarable C (63/100 RQD), trailing P/E of 28.5x, gross margin of —, and ROIC of 3.6%. By comparison, FLG (Flagstar Bank N.A.) holds a E grade (22/100 RQD, P/E N/A, ROIC -0.6%, cap $4.35B) and HFWA (Heritage Financial Corporation) posts a C+ grade (68/100 RQD, P/E 17.5x, ROIC 7.3%, cap $1.18B). Among the 5-stock peer group, SMBC leads on earnings multiple (13.5x) while SMBC leads on capital efficiency (10.3% ROIC).

What are the biggest fundamental strengths and SEC risk factors for BBT?

Per BBT's SEC EDGAR XBRL 10-K filing (FY2025, filed 2025-12-31, CIK 0001108134), Beacon Financial Corporation generated $29.9M in revenue (+81.1% YoY), $90.3M in net income, and $212.2M in free cash flow against $23.22B in total assets and $0 in total debt. Key quantitative strengths: Company leadership has skin in the game with net positive insider conviction.. Primary risk factors monitored: Broader market pullbacks can still drag down strong stocks in the short run.. Institutional options positioning shows a 50% call / 50% put premium split.

Where is BBT trading relative to its 50-day, 200-day, and 52-week technical levels?

BBT last traded at $30.66 (+0.92% on volume of 995,844 shares), positioning the stock +3.69% above its 50-day simple moving average ($29.57) and +2.40% above its 200-day simple moving average ($29.94). Across its 52-week range of $24.06 to $32.83, BBT sits at the 75.3% percentile with a 14-day RSI of 65.9 (BULLISH MOMENTUM) and an implied next-earnings move of ±5.3% ($29.04 to $32.28).