Beacon Financial Corp. (BBT) intrinsic value & 10-year financials
Beacon Financial Corp. (BBT) has a Graham intrinsic value of $9.37 per share. At $27.36 on Oct 20, 2026, the stock trades 192% above that value. Over the last 10 fiscal years revenue shrank 4.1% a year to $29.9M, with an average return on invested capital of 40.6%.
- Graham intrinsic value
- $9.37
- Share price (Oct 20, 2026)
- $27.36
- Price vs Graham value
- 192% above
- Market cap
- $2.4B
- Revenue (FY2025)
- $29.9M
- Revenue growth (10-yr CAGR)
- -4.1%
- ROIC (10-yr avg)
- 40.6%
- Free cash flow (FY2025)
- $212.2M
BBT 10-year financial history
| Fiscal year | Revenue | Net income | EPS (diluted) | Free cash flow | Operating margin | ROIC |
|---|---|---|---|---|---|---|
| FY2025 | $29.9M | $90.3M | $1.03 | $212.2M | — | 7.8% |
| FY2024 | $43.2M | $61.0M | $0.71 | $120.6M | — | 8.0% |
| FY2023 | $42.8M | $69.6M | $0.80 | $155.3M | — | 13.9% |
| FY2022 | $40.9M | $92.5M | $1.01 | $121.7M | — | 58.9% |
| FY2021 | $46.1M | $118.7M | $1.20 | $103.9M | — | 351.2% |
| FY2020 | $46.9M | -$533.0M | -$5.30 | $220.4M | — | -46.4% |
| FY2019 | $49.7M | $97.5M | $0.98 | $101.0M | — | 4.0% |
| FY2018 | $48.7M | $105.8M | $1.15 | $212.5M | — | 4.0% |
| FY2017 | $45.0M | $55.2M | $0.69 | $65.6M | — | 2.4% |
| FY2016 | $43.8M | $58.7M | $0.94 | $89.0M | — | 2.6% |
Source: annual 10-K filings on SEC EDGAR. Figures in USD.
Executive summary
Beacon Financial Corp is facing top-line stagnation, with revenue contracting over the decade.
Beacon Financial Corp has historically struggled to out-earn its cost of capital, averaging just 5.9% ROIC.
Beacon Financial Corp has not shown aggressive share repurchases (>10% retirement) or a major balance-sheet leverage increase (>50% net debt growth) over the 10-year window.
Benjamin Graham lens
Under Benjamin Graham's formula using SEC EDGAR fundamentals, Beacon Financial Corp is modeled at 1.0% normalized earnings growth with a 5.1% bond-yield adjustment. The resulting Graham intrinsic value estimate is $9.37 per share.