BBT (Beacon Financial) E10: $2.64 (As of Mar. 2026)


BBT Beacon Financial Corp BBT
57 GF Score
Price $30.60
GF Value $24.28
Valuation Modestly Overvalued
! 8 Warning Signs
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What is Beacon Financial E10?

Beacon Financial BBT +1.22% 57 E10 is $2.64 as of Mar. 2026. GuruFocus rates BBT with a GF Score™ of 57/100 and a GF Value™ of $24.28 (Modestly Overvalued). The stock has 8 warning signs investors should review.

E10 is a concept invented by Prof. Robert Shiller, who uses E10 for his Shiller P/E calculation. E10 is the average of the inflation adjusted earnings of a company over the past 10 years.

Beacon Financial's adjusted earnings per share data for the three months ended in Mar. 2026 was $0.550. Add all the adjusted EPS for the past 10 years together and divide 10 will get our e10, which is $2.64 for the trailing ten years ended in Mar. 2026.

During the past 12 months, Beacon Financial's average E10 Growth Rate was -1.10% per year. During the past 3 years, the average E10 Growth Rate was 2.00% per year. During the past 5 years, the average E10 Growth Rate was 7.70% per year. During the past 10 years, the average E10 Growth Rate was 9.90% per year. Please click Growth Rate Calculation Example (GuruFocus) to see how GuruFocus calculates Wal-Mart Stores Inc (WMT)'s revenue growth rate. You can apply the same method to get the E10 growth rate using E10 data.

During the past 13 years, the highest 3-Year average E10 Growth Rate of Beacon Financial was 13.20% per year. The lowest was -1.50% per year. And the median was 7.30% per year.

As of today (2026-06-24), Beacon Financial's current stock price is $30.60. Beacon Financial's E10 for the quarter that ended in Mar. 2026 was $2.64. Beacon Financial's Shiller PE Ratio of today is 11.59.

During the past 13 years, the highest Shiller PE Ratio of Beacon Financial was 32.97. The lowest was 7.33. And the median was 16.40.


Beacon Financial  (NYSE:BBT) E10 Explanation

If a company grows much fast than inflation, E10 may underestimate the company's earnings power. Shiller PE Ratio can seem to be too high even the actual P/E is low.

For the Shiller P/E, the earnings of the past 10 years are inflation-adjusted and averaged. The result is used for P/E calculation. Since it looks at the average over the last 10 years, the Shiller P/E is also called PE10.

The Shiller P/E was first used by professor Robert Shiller to measure the valuation of the overall market. The same calculation is applied here to individual companies.

Beacon Financial's Shiller P/E Ratio of today is calculated as

Shiller PE Ratio=Share Price/E10
=30.60/2.64
=11.59

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

During the past 13 years, the highest Shiller P/E Ratio of Beacon Financial was 32.97. The lowest was 7.33. And the median was 16.40.


Be Aware

Shiller PE Ratio works better for cyclical companies. It gives you a better idea on the company's real earnings power.


Beacon Financial E10 Related Terms


Beacon Financial E10 Historical Data

* Premium members only.

The historical data trend for Beacon Financial's E10 can be seen below:

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

Beacon Financial E10 Chart

Beacon Financial Annual Data
Trend Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
E10
Get a 7-Day Free Trial Premium Member Only Premium Member Only 2.13 2.45 2.58 2.64 2.60

Beacon Financial Quarterly Data
Jun21 Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25 Dec25 Mar26
E10 Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only 2.67 2.70 2.60 2.60 2.64

BBT vs FBNC, NBTB, FRME: E10 Comparison

For the Banks - Regional subindustry, Beacon Financial's Shiller PE Ratio, along with its competitors' market caps and Shiller PE Ratio data, can be viewed below:

* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.


Beacon Financial Shiller PE Ratio vs Banks Industry

For the Banks industry and Financial Services sector, Beacon Financial's Shiller PE Ratio distribution charts can be found below:

* The bar in red indicates where Beacon Financial's Shiller PE Ratio falls into.


BBT
57GF Score
Beacon Financial Corp BBT
E10 is just one metric. See GF Score™, valuation, warning signs, and more.
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Beacon Financial E10 Calculation

E10 is a concept invented by Prof. Robert Shiller, who uses E10 for his Shiller P/E calculation. When we calculate the today's Shiller P/E ratio of a stock, we use today's price divided by E10.

What is E10? How do we calculate E10?

E10 is the average of the inflation adjusted earnings of a company over the past 10 years. Let's use an example to explain.

If we want to calculate the E10 of Wal-Mart (WMT) for Dec. 31, 2010, we need to have the inflation data and the earnings from 2001 through 2010.

We adjusted the earnings of 2001 earnings data with the total inflation from 2001 through 2010 to the equivalent earnings in 2010. If the total inflation from 2001 to 2010 is 40%, and Wal-Mart earned $1 a share in 2001, then the 2001's equivalent earnings in 2010 is $1.4 a share. If Wal-Mart earns $1 again in 2002, and the total inflation from 2002 through 2010 is 35%, then the equivalent 2002 earnings in 2010 is $1.35. So on and so forth, you get the equivalent earnings of past 10 years. Then you add them together and divided the sum by 10 to get E10.

Please note that we use the CPI data of the country/region where the company is headquartered. If the CPI data for that country/region is not available, then we will use the CPI data of the United States as default.

For example, Beacon Financial's adjusted earnings per share data for the three months ended in Mar. 2026 was:

Adj_EPS= Earnings per Share (Diluted) /CPI of Mar. 2026 (Change)*Current CPI (Mar. 2026)
=0.55/330.2130*330.2130
=0.550

Current CPI (Mar. 2026) = 330.2130.

Beacon Financial Quarterly Data

per share eps CPI Adj_EPS
201606 0.429 241.018 0.588
201609 0.452 241.428 0.618
201612 0.452 241.432 0.618
201703 0.452 243.801 0.612
201706 0.476 244.955 0.642
201709 0.476 246.819 0.637
201712 0.214 246.524 0.287
201803 0.571 249.554 0.756
201806 0.619 251.989 0.811
201809 0.667 252.439 0.872
201812 0.619 251.233 0.814
201903 0.667 254.202 0.866
201906 0.619 256.143 0.798
201909 0.667 256.759 0.858
201912 0.667 256.974 0.857
202003 -0.524 258.115 -0.670
202006 0.595 257.797 0.762
202009 0.571 260.280 0.724
202012 0.810 260.474 1.027
202103 0.810 264.877 1.010
202106 0.952 271.696 1.157
202109 0.881 274.310 1.061
202112 0.881 278.802 1.043
202203 0.762 287.504 0.875
202206 0.786 296.311 0.876
202209 0.929 296.808 1.034
202212 0.929 296.797 1.034
202303 0.214 301.836 0.234
202306 0.595 305.109 0.644
202309 0.619 307.789 0.664
202312 0.619 306.746 0.666
202403 0.381 312.332 0.403
202406 0.429 314.175 0.451
202409 0.548 315.301 0.574
202412 0.476 315.605 0.498
202503 0.500 319.799 0.516
202506 0.595 322.561 0.609
202509 -0.570 324.800 -0.579
202512 0.640 324.054 0.652
202603 0.550 330.213 0.550

Add all the adjusted EPS together and divide 10 will get our e10.

Frequently Asked Questions Learn more about E10 →
What does a E10 of $2.64 mean?
Beacon Financial (BBT) has a E10 of $2.64 as of Mar. 2026. E10 represents the company's inflation-adjusted earnings per share over a 10-year period. View historical data on Beacon Financial and its competitors.
Is Beacon Financial's E10 too high?
Beacon Financial's current E10 is $2.64. Overall, Beacon Financial has a GF Score™ of 57/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Beacon Financial's E10 compare to FBNC and NBTB?
Beacon Financial's E10 of $2.64 can be compared against companies in the Banks industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good E10 for a Banks company?
A good E10 depends on the Banks industry context. However, E10 should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high E10 mean?
A high E10 can signal that a stock is expensive relative to its fundamentals. E10 represents the company's inflation-adjusted earnings per share over a 10-year period. View historical data on Beacon Financial and its competitors. Beacon Financial's current E10 is $2.64. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Beacon Financial stock overvalued right now?
Based on GuruFocus' analysis, Beacon Financial (BBT) is currently considered Modestly Overvalued. The stock's GF Value™ is $24.28, compared to a current price of $30.60 — trading 26% above its estimated fair value. The current E10 is $2.64. Beacon Financial's overall GF Score™ is 57/100 with 8 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is E10 calculated?
E10 is calculated from a company's financial statements. For Beacon Financial (BBT), the current E10 is $2.64 as of Mar. 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.

Is Beacon Financial (BBT) Overvalued in 2026?

Based on GuruFocus' analysis, Beacon Financial stock appears to be overvalued. The current stock price of $30.60 is trading 26% above its estimated GF Value™ of $24.28. GuruFocus considers Beacon Financial to be Modestly Overvalued.

Key valuation signals for BBT:

  • E10: $2.64
  • GF Value™: $24.28 vs. price of $30.60 (26% above fair value)
  • GF Score™: 57/100 with 8 warning signs

No single metric tells the full story. See the BBT stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.


Beacon Financial Business Description

Address 131 Clarendon Street, Boston, MA, USA, 02116
Beacon Financial Corp operates as a multi-bank holding company. It offers commercial, business, and retail banking services, including a full complement of cash management products, online banking services, and consumer and residential loans.
57GF Score

Get the complete analysis for BBT

E10 is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$30.60
Price
$24.28
GF Value