profit from every $100 of sales.
$0$100
Beacon Financial
$30.68-0.84% today
+18.4% in 1 year
1-year low $24.191-year high $32.61
Trading in the middle of its range for the past year.
The essentials
Four questions every investor asks, answered in one line each.
more sales each year, on average, 2022 to 2025.
0%20% a year
You pay $28.31 for every $1 of profit it makes in a year.
CheapExpensive
Not measured for banks and insurers: deposits and policy reserves count as debt, so the usual debt test says nothing about them.
Money in, money out
What Beacon Financial sold, what it kept, and what it did with the cash.
Sales went from $328 million in 2022 to $553 million in 2025, with $90.3 million of profit last year.
SalesProfit
Beacon Financial handed back 30% of the cash it generated last year.
$63M
Free cash flow 2025$212M
Bought back its own shares–
Paid as dividends$63M
Cash vs. debt$2.0B vs. $879M
Beacon Financial vs. similar companies
Beacon Financial grows in the middle of these 5 and is the most expensive for its profits.
| Company | Profit from $100 of sales | Sales growth a year | Price per $1 of profit |
|---|---|---|---|
| Beacon Financial | 28.3× · Fair price | ||
 China Merchants Bank | 7.7× · Cheap | ||
 DBS Group Holdings | 18.5× · Fair price | ||
 UniCredit | 11.5× · Cheap | ||
 HDFC Bank | 18.6× · Fair price |
AI analysis
An AI analyst reads Beacon Financial's last five years, its segments, earnings, insiders and peers, and writes the bull case, the bear case and what the price expects.
Run the AI analysisFull statementsIncome, balance sheet and cash flow, year by year
Income statement
| In millions of USD | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|
| 328 | 371 | 356 | 553 | |
| – | – | – | – | |
| – | – | – | – | |
| – | – | – | – | |
| 110 | 75 | 69 | 90 | |
| 3.38 | 2.02 | 1.83 | 1.03 | |
| – | – | – | – | |
| – | – | – | – | |
| 33.5% | 20.2% | 19.3% | 16.3% |
Balance sheet
| In millions of USD | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|
| Total assets | 9,186 | 11,382 | 11,905 | 23,220 |
| Cash | 383 | 133 | 544 | 2,042 |
| Total debt | 1,452 | 1,409 | 1,565 | 879 |
| Total liabilities | 8,194 | 10,184 | 10,683 | 20,724 |
| 992 | 1,199 | 1,222 | 2,496 | |
| 32 | 37 | 38 | 88 | |
| – | – | – | – | |
| 11.1% | 6.3% | 5.6% | 3.6% |
Cash flow
| In millions of USD | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|
| 121 | 117 | 105 | 224 | |
| 7 | 12 | 5 | 12 | |
| 113 | 104 | 100 | 212 | |
| Dividends paid | 40 | 48 | 48 | 63 |
| 14 | 0 | 0 | – | |
| 3 | 4 | 3 | 6 |
This is a bank or insurer, so cash-flow and debt ratios are left out: borrowing and lending is the business itself. Price to book and return on equity are the measures that matter here.
Valuation
- 28.3×
- 9.4×
- –
- 1.0×
- 4.6×
- 3.5%
- 3.5%
Profitability
- 16.3%
- 0.4%
- 4.0%
- 3.7%
- 0.4%
Growth
- +19.0%
- −32.7%
- +3.7%
- +39.2%
How it ranks in Financial Services
Each dot is where the company stands among every company over $300M in the sector. Further right is better.
Bottom 17%of 827
Bottom 26%of 709
Bottom 17%of 876
Top 24%of 879
Top 35%of 926
What analysts expect
- Average price target
- $35.33
- Range
- $31.00 – $42.00
- 1 analysts
These targets were collected on May 20, 2026 and our analyst feed has not updated since, so we no longer compare them with today's price.
Recent earnings
Our results feed has not updated since May 21, 2026. Results reported after that are not in this table yet.
| Date | EPS | Expected | Surprise |
|---|---|---|---|
| Apr 29, 2026 | 0.70 | 0.83 | −15.7% |
| Jan 28, 2026 | 0.79 | 0.79 | +0.0% |
| Jul 24, 2025 | 0.69 | 0.58 | +19.0% |
3.5%of the share price, paid each year
On $1,000 invested$35a year at today's yield, before tax
+3.7%2020 to 2025
Raised1 yearin a row, in our data
Paid per share, each year
$0.76 in 2015 → $0.86 in 2025
How safe it looks
69.9% of its profit
Room to growStretchedMore than it earns: 29.8%
News
Beacon Financial targets mid-teens ROTCE while outlining $125M buyback planSeeking Alpha · Oct 22, 2026Insider trades
Our insider feed has not updated since May 26, 2026. Trades filed after that are not listed yet.
No insider trades on file.
The seven classic investing rulebooks
0/7Passes 0 of 7. Each bar is how well the company fits that investor's published rules, from 0 to 100; 60 or more counts as a pass.
Warren Buffett
39No pass
Benjamin Graham
58No pass
Philip Fisher
42No pass
Peter Lynch
44No pass
Joel Greenblatt
8No pass
Charlie Munger
31No pass
Terry Smith
37No pass
Questions about Beacon Financial
Is Beacon Financial a good stock to buy?
A solid business at a fair price. 0 of the 7 famous investors' published rulebooks we apply pass it. Whether it suits you depends on your goals and the price you pay; invest-like never tells anyone to buy or sell. The AI analysis lays out the case for and against. Read the Beacon Financial AI analysis
What does Beacon Financial do?
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 is in Banks - Regional, based in Boston, MA, United States, with 1,972 employees.
Does Beacon Financial pay a dividend?
Yes. At today's price the dividend is 3.5% a year, about 70% of its yearly profit. In 2025 it paid out $63.1 million in dividends.
Is Beacon Financial stock halal?
No. Beacon Financial does not pass our halal screen: its main business, banking, is not permitted. How we check
How has Beacon Financial stock done over the past year?
Up 18.4% over the past twelve months, to $30.68. It traded between $24.19 and $32.61 and is 5.9% below its high.
Who are Beacon Financial's competitors?
The largest listed companies in the same industry are China Merchants Bank, DBS Group Holdings, UniCredit and HDFC Bank. The peers table on this page compares their profit, growth and price with Beacon Financial's.
Prices: daily closes to Nov 12, 2026. Fundamentals: company reports via invest-like data.