What is the 13F Pro Quality Score for BBT?

13F Pro ranks Beacon Financial Corp (BBT) on the 13F Pro Quality Score, a 0–100 composite of 32 fundamental signals including return on invested capital, free cash flow consistency, balance-sheet strength, earnings quality, growth durability, and valuation discipline. The score refreshes after each 10-K and 10-Q filing on SEC EDGAR. View BBT's current score at https://13fpro.ai/research/BBT (free sign-up required for the full ranking).

Where does 13F Pro source BBT data?

All Beacon Financial Corp fundamentals and ownership data come directly from SEC EDGAR. Beacon Financial Corp files with the SEC under CIK 1108134. 13F Pro ingests XBRL financial facts from 10-K and 10-Q filings, Form 13F-HR institutional holdings, and Form 4 insider transactions, with no third-party rewrites or estimates.

What sector is BBT in?

Beacon Financial Corp (BBT) is classified in the Financials sector. 13F Pro publishes sector-level fund flow analysis and quality leaders at https://13fpro.ai/research/sector/financials.

How often is BBT research updated on 13F Pro?

BBT's fundamentals refresh within hours of each new 10-K or 10-Q filing on SEC EDGAR. Institutional ownership updates after each quarterly 13F filing window. Insider transactions update after each Form 4 filing. The 13F Pro Quality Score recalculates after every fundamentals refresh.

Beacon Financial Corp(BBT)Stock Analysis

AI analysis on 2,800+ stocks →Deep AI analysis on 2,800+ stocks →

Financials →NYSE

Institutional-grade research for retail investors

SEC EDGAR: CIK 1108134 BBT stock profile & AI dashboard →

13F Pro Quality Score

46.9/100

Rank #1,627 of 2,879 stocks

View Financials peers →

Rankings refresh quarterly once 80% of peers have filed (~45 days after quarter-end). Next update: ~Aug 14, 2026.

Revenue Growth

69.2/100

Profitability

47.8/100

Balance Sheet

36.8/100

Earnings Quality

22.9/100

Free Cash Flow

58.3/100

Institutional Flow

15.1/100

Revenue Scale

35.4/100

Dilution Risk

40.7/100

BBT Stock Analysis & AI Quality Score

AI stock analysis and institutional research for Beacon Financial Corp (BBT), a Financials sector company. 13F Pro's AI-powered ranking engine scores BBT at 46.9/100 on a 32-signal composite quality model, placing it at rank #1,627 of 2,879 stocks — the bottom half of the AI-ranked universe. Areas of concern include institutional flow (15.1) and earnings quality (22.9), which score below median versus the broader universe. Shareholder dilution risk is elevated at 40.7/100, reflecting ongoing share issuance or stock-based compensation. Based on the latest XBRL financial filings (Q1 2026), Beacon Financial Corp reports quarterly revenue of $214.7M, net income of $46.2M, an operating margin of 30.7%. Top institutional holders of BBT by reported 13-F value include BlackRock,, VANGUARD PORTFOLIO MANAGEMENT, MILLENNIUM MANAGEMENT, based on the most recent SEC filings. BBT trades on the NYSE exchange and files with the SEC under CIK 1108134. 13F Pro's AI research platform runs 10 specialized AI analysts — value, growth, momentum, macro, and activist specialists — that debate BBT daily and publish AI-generated analysis with cited SEC sources. The platform aggregates historical XBRL financial facts, 10-Q and 10-K filings, insider Form 4 transactions, and institutional 13-F holdings for Beacon Financial Corp directly from SEC EDGAR. Beacon Financial Corp's 13F Pro composite quality score has ranged between 8 and 67 since 2025, currently 46.9 — an improving long-term trajectory across 37 quarterly and live scoring snapshots.

Revenue

Q1 2026

$214.7M

Net Income

Q1 2026

$46.2M

Free Cash Flow

Q1 2026

$-13.8M

Operating Margin

Q1 2026

30.7%

ROIC

Q1 2026

1.8%

Revenue & Net Income

Earnings Per Share

Key Financials Over Time

Export Financial Table · Pro+

Revenue

-92.7% YoY

$29.9MFY 2025

FY20 $383.1MFY22 $413.5MFY23 $411.8MFY25 $29.9M

Net Income

+20.4% YoY

$90.3MFY 2025

FY20 $-533.0MFY22 $92.5MFY23 $75.0MFY25 $90.3M

EPS (Diluted)

+21.2% YoY

$1.03FY 2025

FY20 $-10.60FY22 $2.02FY23 $0.85FY25 $1.03

Total Assets

+86.8% YoY

$23.22BFY 2025

FY20 $12.84BFY22 $11.66BFY23 $12.43BFY25 $23.22B

Total Debt

+55.6% YoY

$788.4MFY 2025

FY20 $571.6MFY22 $125.5MFY23 $506.6MFY25 $788.4M

Op. Cash Flow

+92.5% YoY

$224.4MFY 2025

FY20 $227.6MFY22 $110.7MFY23 $116.6MFY25 $224.4M

Metric	FY 2025	FY 2023	FY 2022	FY 2020	FY 2019	FY 2018
Revenue	$29.9M -92.7%	$411.8M -0.4%	$413.5M +7.9%	$383.1M -14.7%	$449.3M +4.4%	$430.5M
Net Income	$90.3M +20.4%	$75.0M -18.9%	$92.5M +117.4%	$-533.0M -647.0%	$97.5M -7.9%	$105.8M
EPS (Diluted)	$1.03 +21.2%	$0.85 -57.9%	$2.02 +119.1%	$-10.60 -638.1%	$1.97 -14.0%	$2.29
Total Assets	$23.22B +86.8%	$12.43B +6.6%	$11.66B -9.2%	$12.84B -2.9%	$13.22B +8.2%	$12.21B
Total Debt	$788.4M +55.6%	$506.6M +303.6%	$125.5M -78.0%	$571.6M -30.9%	$827.5M -45.5%	$1.52B
Operating Cash Flow	$224.4M +92.5%	$116.6M +5.3%	$110.7M -51.4%	$227.6M +104.1%	$111.5M -49.8%	$222.3M

AI Insight: BBT Financial Trends

A large acquisition appears to have closed in Q3 2025, nearly doubling equity to $2.4B while introducing volatile swings in net income and operating cash flow.

• Equity surged from $1,254M in Q2 2025 to $2,415M in Q3 2025, signaling a major balance-sheet event such as an acquisition or capital raise.

• Net income swung from -$65M in Q3 2025 to $99M in Q4 2025 and $46M in Q1 2026, showing high post-event earnings volatility.

• Total debt jumped to $1,081M in Q3 2025 and remained elevated at $1,073M in Q1 2026, up sharply from $586M in Q2 2025.

• Operating cash flow turned negative at -$5M in Q3 2025 and -$14M in Q1 2026, reversing prior quarters of positive generation.

⚠ Debt-to-equity remains elevated at ~0.43x in Q1 2026; sustained deleveraging from $1,073M debt is needed to reduce balance-sheet risk.

⚠ Operating cash flow turned negative in two of the last three quarters; normalization is critical to validate earnings quality.

⚠ Revenue is missing for Q3 2025 through Q1 2026 — top-line trajectory post-acquisition cannot be assessed until data is available.

AI Insight: BBT Ratio Trends

A severe Q3 2025 loss dragged TTM returns sharply lower, masking a strong Q4 2025 recovery and meaningful debt reduction.

• ROE swung from -10.8% in Q3 2025 to 15.9% in Q4 2025, the highest single-quarter reading in the data set.

• D/E fell from 0.80 in Q2 2024 to 0.32 in Q4 2025, a sustained multi-quarter deleveraging trend.

• TTM ROE of 4.4% and ROIC of 4.3% remain well below any single quarterly reading, reflecting Q3 2025 loss drag.

• Q1 2026 ROE moderated to 7.4% from Q4 2025's 15.9%, suggesting Q4 2025 strength may have included one-off items.

⚠ Operating margin and NPM are missing for Q3 2025 through Q1 2026 — absence of margin data limits profitability visibility.

⚠ Q3 2025 ROIC of -10.6% was a sharp outlier; recurrence of similar losses would materially impair the recovery thesis.

⚠ D/E ticked back up to 0.43 in Q1 2026 from Q4 2025's 0.32 — worth monitoring whether deleveraging trend has stalled.

Get alerted when BBT's score changes

Free account: watchlist tracking, the daily AI brief, and the AI screener.

Passwordless sign-in · Payments by Stripe · Auth by Clerk

Available Research

13F Pro tracks comprehensive data for Beacon Financial Corp including:

SEC EDGAR filings (10-K, 10-Q, 8-K)

XBRL financial facts (revenue, EPS, margins)

Insider transactions (Form 4)

Institutional 13F holdings

Quality rankings (32 signals)

AI analyst debates & daily meetings

Historical financial trends

Peer comparison & sector analysis

Top Institutional Holders of BBT

BlackRock, Inc.
$365.5M12,181,721 sh
VANGUARD PORTFOLIO MANAGEMENT LLC
$154.0M5,133,932 sh
MILLENNIUM MANAGEMENT LLC
$153.4M5,111,881 sh
DIMENSIONAL FUND ADVISORS LP
$144.6M4,818,522 sh
FULLER & THALER ASSET MANAGEMENT, INC.
$143.1M4,770,552 sh
STATE STREET CORP
$142.6M4,753,986 sh
VANGUARD CAPITAL MANAGEMENT LLC
$113.0M3,766,184 sh
Azora Capital LP
$94.1M3,137,941 sh
HoldCo Asset Management, LP
$61.8M2,061,000 sh
GEODE CAPITAL MANAGEMENT, LLC
$61.3M2,044,360 sh

Fund	Value	Shares
BlackRock, Inc.	$365.5M	12,181,721
VANGUARD PORTFOLIO MANAGEMENT LLC	$154.0M	5,133,932
MILLENNIUM MANAGEMENT LLC	$153.4M	5,111,881
DIMENSIONAL FUND ADVISORS LP	$144.6M	4,818,522
FULLER & THALER ASSET MANAGEMENT, INC.	$143.1M	4,770,552
STATE STREET CORP	$142.6M	4,753,986
VANGUARD CAPITAL MANAGEMENT LLC	$113.0M	3,766,184
Azora Capital LP	$94.1M	3,137,941
HoldCo Asset Management, LP	$61.8M	2,061,000
GEODE CAPITAL MANAGEMENT, LLC	$61.3M	2,044,360

More Financials Companies

View all Financials →

AAAU

Goldman Sachs Physical Gold ETF

AACB

Artius II Acquisition Inc.

AACI

Armada Acquisition Corp. III

AACO

Abony Acquisition Corp. I

AACP

Apogee Acquisition Corp

AAC-UN

Ares Acquisition Corp III

AAME

ATLANTIC AMERICAN CORP

AAMI

Acadian Asset Management Inc.

Put BBT on your watchlist

Track score changes the day Beacon Financial Corp files with the SEC, follow the hedge funds that own it, screen 2,800+ AI-scored stocks, and get the daily brief — free.

View Pricing

Free tier includes 13F data, economic indicators, and market overview. Pro starts at $6.67/mo (billed annually).

Passwordless sign-in · Payments by Stripe · Auth by Clerk

Popular Research

AAPL

Apple

MSFT

Microsoft

NVDA

NVIDIA

GOOG

Alphabet

AMZN

Amazon

Is BBT a good stock to buy?

13F Pro's AI-powered analysis of Beacon Financial Corp (BBT) draws on SEC EDGAR-sourced fundamentals, institutional 13F holdings, and insider Form 4 transactions in the Financials sector (listed on NYSE). The 32-signal AI Quality Score, current rank, and full bull/bear verdict for BBT are available on the BBT stock profile dashboard — with the same data, AI insights, ratios, and institutional activity refreshed after every 10-K, 10-Q, 13F, and Form 4 filing.

Which hedge funds own BBT?

Institutional investors are required to disclose their holdings quarterly via SEC Form 13F. 13F Pro aggregates these filings to show which hedge funds, mutual funds, and asset managers are buying or selling BBT. Combined with insider transaction data from Form 4 filings and AI-powered analysis from 10 specialized research agents, 13F Pro provides a comprehensive view of Beacon Financial Corp's investment landscape.