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Beacon FinancialBBT +0.22%58 EV-to-OCF is 10.37 as of Aug. 23, 2026, which is 42% below its 10-year median of 17.86. GuruFocus rates BBT with a GF Score™ of 58/100 and a GF Value™ of $25.35 (Modestly Overvalued). The stock has 7 warning signs investors should review. Among 1,496 Banks companies, Beacon Financial ranks worse than 72.33% on this metric.
EV-to-OCF is calculated as enterprise value divided by its cash flow from operations. As of today, Beacon Financial's Enterprise Value is $2,416.2 Mil.
Beacon Financial's Cash Flow from Operations for the trailing twelve months (TTM) ended in Jun. 2026 was $233.1 Mil. Therefore, Beacon Financial's EV-to-OCF for today is 10.37.
The historical rank and industry rank for Beacon Financial's EV-to-OCF or its related term are showing as below:
BBT'
s EV-to-OCF Range Over the Past 10 Years
Min: 4.83 Med: 17.86 Max: 44.95
Current: 10.37
During the past 13 years, the highest EV-to-OCF of Beacon Financial was 44.95. The lowest was 4.83. And the median was 17.86.
BBT's EV-to-OCF is ranked worse than 72.33% of 1496
companies
in the Banks industry
Industry Median: 3.865
vs BBT: 10.37
EV-to-OCF is a valuation multiple that allows analysts and investors to compare stocks, preferably in the same sector or industry. This important multiple is often used in conjunction with, or as an alternative to, the PE Ratio (TTM) to determine the fair market value of a company.
EV-to-OCF is a valuation multiple that allows analysts and investors to compare stocks, preferably in the same sector or industry. This important multiple is often used in conjunction with, or as an alternative to, the PE Ratio (TTM) to determine the fair market value of a company.
Beacon Financial's PE Ratio (TTM) for today is calculated as:
Beacon Financial's share price for today is $31.65.
Beacon Financial's Earnings per Share (Diluted) for the trailing twelve months (TTM) ended in Jun. 2026 adds up the quarterly data reported by the company within the most recent 12 months, which was $1.390.
* 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.
Enterprise Value is used because it is a more complete measure in reflecting how much an investor pays when buying a company. Cash Flow from Operations is an important financial metric because it represents the cash generated from operating activities at a company's disposal. Companies with a low EV-to-OCF ratio, combined with a strong balance sheet are generally considered as undervalued.
Beacon Financial EV-to-OCF Related Terms
Beacon Financial EV-to-OCF Historical Data
* Premium members only.
The historical data trend for Beacon Financial's EV-to-OCF 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.
For the Banks - Regional subindustry, Beacon Financial's EV-to-OCF, along with its competitors' market caps and EV-to-OCF 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 EV-to-OCF vs Banks Industry
For the Banks industry and Financial Services sector, Beacon Financial's EV-to-OCF distribution charts can be found below:
* The bar in red indicates where Beacon Financial's EV-to-OCF falls into.
Beacon Financial's current Enterprise Value is $2,416.2 Mil.
Beacon Financial's Cash Flow from Operations for the trailing twelve months (TTM) ended in Jun. 2026 adds up the quarterly data reported by the company within the most recent 12 months, which was $233.1 Mil.
* 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 (BBT) has a EV-to-OCF of 10.37 as of Aug. 23, 2026. This is 42% below median its historical median of 17.86. Over the past decade, Beacon Financial's EV-to-OCF has ranged from 4.83 to 44.95. According to the industry distribution chart, Beacon Financial ranks #1082 out of 1496 companies in the Banks industry, placing it in the top 72.3%.
Is Beacon Financial's EV-to-OCF too high?
Beacon Financial's current EV-to-OCF of 10.37 is 42% below median its 10-year median of 17.86. Over the past 10 years, this metric has ranged from a low of 4.83 to a high of 44.95. The Banks industry median EV-to-OCF is 3.87. Beacon Financial's value of 10.37 is 168.3% above this industry median. Based on the distribution chart, Beacon Financial ranks #1082 out of 1496 companies in the Banks industry, which is below the industry midpoint. Overall, Beacon Financial has a GF Score™ of 58/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Beacon Financial's EV-to-OCF compare to BUSE and CUBI?
According to the Banks industry distribution chart, Beacon Financial ranks #1082 out of 1496 companies for EV-to-OCF. This places Beacon Financial in the lower half of its industry. The industry median EV-to-OCF is 3.87. Beacon Financial's value of 10.37 is 168.3% above this benchmark. Historically, Beacon Financial's own EV-to-OCF has ranged from 4.83 to 44.95 over the past decade. While the company's 10-year median is 17.86 vs. the industry median of 3.87, Beacon Financial has consistently been above the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good EV-to-OCF for a Banks company?
The median EV-to-OCF among Banks companies is 3.87, based on 1,496 companies in the industry. Companies in the top quartile (top 25%) have a EV-to-OCF significantly above this median, while those in the bottom quartile fall well below. However, EV-to-OCF should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Beacon Financial's current EV-to-OCF of 10.37 is 168.3% above the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high EV-to-OCF mean?
A high EV-to-OCF can signal that a stock is expensive relative to its fundamentals. For the Banks industry, the median EV-to-OCF is 3.87 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Beacon Financial's current EV-to-OCF is 10.37, which is 42% below median its own 10-year median of 17.86. 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 $25.35, compared to a current price of $31.65 — trading 24.9% above its estimated fair value. The current EV-to-OCF is 10.37, which is 42% below median its 10-year median of 17.86 and 168.3% above the Banks industry median of 3.87. Beacon Financial's overall GF Score™ is 58/100 with 7 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is EV-to-OCF calculated?
EV-to-OCF is calculated from a company's financial statements. For Beacon Financial (BBT), the current EV-to-OCF is 10.37 as of Aug. 23, 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 $31.65 is trading 24.9% above its estimated GF Value™ of $25.35.
GuruFocus considers Beacon Financial to be Modestly Overvalued.
Key valuation signals for BBT:
EV-to-OCF: 10.37 (42% below median its 10-year median of 17.86)
GF Value™: $25.35 vs. price of $31.65 (24.9% above fair value)
Industry Position: 168.3% above the Banks median (#1082 of 1496)
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 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.
58GF Score
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EV-to-OCF is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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