Beacon Financial Corporation
Beacon Financial Corporation operates as the bank holding company for Beacon Bank & Trust that provides various banking solutions in New England and New York, the United States. The company accepts various deposit products. It also provides commercial, asset-based lending, retail, consumer, and residential products and services. In addition, the company offers equipment financing, SBA lending, an… Read more
Beacon Financial Corporation (BBT) - Net Assets
Latest net assets as of December 2025: $2.50 Billion USD
Based on the latest financial reports, Beacon Financial Corporation (BBT) has net assets worth $2.50 Billion USD as of December 2025.
Net assets (also known as shareholders' equity or book value) represent the difference between a company's total assets ($23.22 Billion) and total liabilities ($20.72 Billion). This figure indicates the residual interest in the assets after deducting liabilities, essentially showing what would remain for shareholders if all assets were liquidated and all debts paid off.
Key Net Assets Metrics
| Metric | Value |
|---|---|
| Current Net Assets | $2.50 Billion |
| % of Total Assets | 10.75% |
| Annual Growth Rate | 16.01% |
| 5-Year Change | 150.77% |
| 10-Year Change | N/A |
| Growth Volatility | 42.73 |
Beacon Financial Corporation - Net Assets Trend (2020–2025)
This chart illustrates how Beacon Financial Corporation's net assets have evolved over time, based on quarterly financial data. Explore and compare other companies by net assets.
Annual Net Assets for Beacon Financial Corporation (2020–2025)
The table below shows the annual net assets of Beacon Financial Corporation from 2020 to 2025.
| Year | Net Assets | Change |
|---|---|---|
| 2025-12-31 | $2.50 Billion | +104.27% |
| 2024-12-31 | $1.22 Billion | +1.94% |
| 2023-12-31 | $1.20 Billion | +20.82% |
| 2022-12-31 | $992.12 Million | -0.32% |
| 2021-12-31 | $995.34 Million | -16.20% |
| 2020-12-31 | $1.19 Billion | -- |
Equity Component Analysis
This analysis shows how different components contribute to Beacon Financial Corporation's total equity over time. Equity components include common stock, retained earnings, additional paid-in capital, and other elements.
Equity Composition Insights
- Retained earnings have grown by 71920600000.0% over the analyzed period, indicating profitable operations and earnings retention.
Current Equity Component Breakdown (December 2025)
| Component | Amount | Percentage |
|---|---|---|
| Retained Earnings | $485.86 Million | 19.47% |
| Common Stock | $896.00K | 0.04% |
| Other Comprehensive Income | $-20.00 Million | -0.80% |
| Other Components | $2.03 Billion | 81.30% |
| Total Equity | $2.50 Billion | 100.00% |
Beacon Financial Corporation Competitors by Market Cap
The table below lists competitors of Beacon Financial Corporation ranked by their market capitalization.
| Company | Market Cap |
|---|---|
|
Dongjin Semichem Co. Ltd
KQ:005290
|
$1.06 Billion |
|
Safety Insurance Group Inc
NASDAQ:SAFT
|
$1.06 Billion |
|
Caihong Display Devices Co Ltd
SHG:600707
|
$1.06 Billion |
|
Fielmann Aktiengesellschaft
PINK:FLMNF
|
$1.06 Billion |
|
Energizer Holdings Inc
NYSE:ENR
|
$1.06 Billion |
|
Yancoal Australia Ltd
PINK:YACAF
|
$1.06 Billion |
|
Keli Sensing Technology Ningbo Co Ltd
SHG:603662
|
$1.06 Billion |
|
alstria office REIT-AG
XETRA:AOX
|
$1.06 Billion |
Equity Growth Attribution
This analysis shows how different factors contributed to changes in Beacon Financial Corporation's equity between the two most recent reporting periods.
Equity Growth Insights
- From 2024 to 2025, total equity changed from 1,221,939,000 to 2,496,061,000, a change of 1,274,122,000 (104.3%).
- Net income of 90,271,000 contributed positively to equity growth.
- Other comprehensive income increased equity by 32,880,000.
- Other factors increased equity by 1,150,971,000.
Equity Change Factors (2024 to 2025)
| Factor | Impact | Contribution |
|---|---|---|
| Net Income | $90.27 Million | +3.62% |
| Other Comprehensive Income | $32.88 Million | +1.32% |
| Other Changes | $1.15 Billion | +46.11% |
| Total Change | $- | 104.27% |
Book Value vs Market Value Analysis
This analysis compares Beacon Financial Corporation's book value (net assets) with its market value over time. The relationship between these values can provide insights into investor sentiment and company valuation.
Valuation Insights
- Current price-to-book ratio: 1.01x
- The company is trading above its book value, indicating the market recognizes value beyond its reported assets.
- The price-to-book ratio has decreased from 1.21x to 1.01x over the analyzed period, indicating reduced market premium.
Historical Price-to-Book Ratios
| Date | Book Value per Share | Market Price | P/B Ratio |
|---|---|---|---|
| 2020-12-31 | $23.63 | $28.70 | x |
| 2021-12-31 | $20.09 | $28.70 | x |
| 2022-12-31 | $10.80 | $28.70 | x |
| 2023-12-31 | $13.78 | $28.70 | x |
| 2024-12-31 | $14.29 | $28.70 | x |
| 2025-12-31 | $28.44 | $28.70 | x |
Capital Efficiency Dashboard
This dashboard shows how efficiently Beacon Financial Corporation utilizes its equity to generate returns, including Return on Equity (ROE) and its components based on the DuPont analysis framework.
Capital Efficiency Insights
- Current Return on Equity (ROE): 3.62%
- The company may be facing challenges in efficiently utilizing shareholder equity.
- DuPont Analysis Breakdown:
- • Net Profit Margin: 17.64%
- • Asset Turnover: 0.02x
- • Equity Multiplier: 9.30x
- Recent ROE (3.62%) is above the historical average (-1.54%), indicating improving capital efficiency.
Historical Capital Efficiency Metrics
| Year | Return on Equity | Net Profit Margin | Asset Turnover | Equity Multiplier | Economic Value Added |
|---|---|---|---|---|---|
| 2020 | -44.88% | 0.00% | -0.05x | 10.84x | $-651.79 Million |
| 2021 | 11.92% | 25.76% | 0.05x | 8.64x | $19.13 Million |
| 2022 | 9.33% | 21.11% | 0.05x | 9.26x | $-6.68 Million |
| 2023 | 5.81% | 11.47% | 0.05x | 9.50x | $-50.27 Million |
| 2024 | 4.99% | 9.48% | 0.05x | 9.74x | $-61.19 Million |
| 2025 | 3.62% | 17.64% | 0.02x | 9.30x | $-159.34 Million |
Industry Comparison
This section compares Beacon Financial Corporation's net assets metrics with peer companies in the Banks - Regional industry.
Industry Context
- Industry: Banks - Regional
- Average net assets among peers: $25,670,820,700
- Average return on equity (ROE) among peers: 9.44%
Peer Company Comparison
| Company | Net Assets | Return on Equity | Debt-to-Equity | Market Cap |
|---|---|---|---|---|
| Beacon Financial Corporation (BBT) | $2.50 Billion | -44.88% | 8.30x | $1.06 Billion |
| Ameris Bancorp (ABCB) | $120.94 Million | 10.83% | 9.48x | $4.91 Billion |
| ACNB Corporation (ACNB) | $2.75 Billion | 1.01% | 0.01x | $462.57 Million |
| Addiko Bank AG (ADBKF) | $839.50 Million | 5.41% | 6.63x | $210.07 Million |
| Affinity Bancshares Inc (AFBI) | $120.97 Million | 6.26% | 5.51x | $79.94 Million |
| Absa Group Limited (AGRPF) | $19.52 Billion | 23.08% | 14.72x | $6.72 Billion |
| AIB Group plc (AIBGY) | $14.46 Billion | -16.17% | 8.45x | $21.72 Billion |
| Akbank Turk Anonim Sirketi (AKBTY) | $211.22 Billion | 31.48% | 8.02x | $8.60 Billion |
| Alpha Bank SA (ALBKY) | $7.32 Billion | 8.44% | 8.89x | $1.12 Billion |
| Community Capital Bancshares Inc (ALBY) | $9.19 Million | 7.09% | 8.66x | $19.76 Million |
| Alpine Banks of Colorado (ALPIB) | $342.89 Million | 16.92% | 10.27x | $248.47 Million |