Beacon FinancialBBT +0.93%57 Net Margin % is 21.53% as of Mar. 2026, which is 1% below its 10-year median of 21.67. 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. Among 1,527 Banks companies, Beacon Financial ranks worse than 76.75% on this metric.
The historical rank and industry rank for Beacon Financial's Net Margin % or its related term are showing as below:
BBT'
s Net Margin % Range Over the Past 10 Years
Min: 16.32 Med: 21.67 Max: 37.32
Current: 17.36
BBT's Net Margin % is ranked worse than 76.75% of 1527
companies
in the Banks industry
Industry Median: 26.95
vs BBT: 17.36
Beacon Financial (NYSE:BBT) Net Margin % Explanation
Although Net Income and Earnings-per-Share (EPS) are the most widely used parameter in measuring a company's profitability and valuation, it is the least reliable. The reason is that reported earnings can be manipulated easily by adjusting any numbers such as Depreciation, Depletion and Amotorization and non-recurring items.
But the long term trend of the net margin is a good indicator of the competitiveness and health of the business.
Beacon Financial Net Margin % Related Terms
Beacon Financial Net Margin % Historical Data
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The historical data trend for Beacon Financial's Net Margin % 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 Net Margin %, along with its competitors' market caps and Net Margin % 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 Net Margin % vs Banks Industry
For the Banks industry and Financial Services sector, Beacon Financial's Net Margin % distribution charts can be found below:
* The bar in red indicates where Beacon Financial's Net Margin % falls into.
* 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 Net Margin % of 21.53% as of Mar. 2026. Net margin is the ratio of total net income to net sales. View historical data on Beacon Financial and its competitors. This is near median its historical median of 21.67. Over the past decade, Beacon Financial's Net Margin % has ranged from 16.32 to 37.32. According to the industry distribution chart, Beacon Financial ranks #1172 out of 1527 companies in the Banks industry, placing it in the top 76.8%.
Is Beacon Financial's Net Margin % too high?
Beacon Financial's current Net Margin % of 21.53% is near median its 10-year median of 21.67. Over the past 10 years, this metric has ranged from a low of 16.32 to a high of 37.32. The Banks industry median Net Margin % is 26.95. Beacon Financial's value of 21.53% is 20.1% below this industry median. Based on the distribution chart, Beacon Financial ranks #1172 out of 1527 companies in the Banks industry, which is in the bottom quartile relative to peers. 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 Net Margin % compare to FBNC and NBTB?
According to the Banks industry distribution chart, Beacon Financial ranks #1172 out of 1527 companies for Net Margin %. This places Beacon Financial in the lower half of its industry. The industry median Net Margin % is 26.95. Beacon Financial's value of 21.53% is 20.1% below this benchmark. Historically, Beacon Financial's own Net Margin % has ranged from 16.32 to 37.32 over the past decade. While the company's 10-year median is 21.67 vs. the industry median of 26.95, Beacon Financial has consistently been below 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 Net Margin % for a Banks company?
The median Net Margin % among Banks companies is 26.95, based on 1,527 companies in the industry. Companies in the top quartile (top 25%) have a Net Margin % significantly above this median, while those in the bottom quartile fall well below. However, Net Margin % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Beacon Financial's current Net Margin % of 21.53% is 20.1% below 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 Net Margin % mean?
A high Net Margin % can signal that a stock is expensive relative to its fundamentals. Net margin is the ratio of total net income to net sales. View historical data on Beacon Financial and its competitors. For the Banks industry, the median Net Margin % is 26.95 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Beacon Financial's current Net Margin % is 21.53%, which is near median its own 10-year median of 21.67. 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 $30.51 — trading 25.7% above its estimated fair value. The current Net Margin % is 21.53%, which is near median its 10-year median of 21.67 and 20.1% below the Banks industry median of 26.95. 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 Net Margin % calculated?
Net Margin % is calculated from a company's financial statements. For Beacon Financial (BBT), the current Net Margin % is 21.53% 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 $30.51 is trading 25.7% above its estimated GF Value™ of $24.28.
GuruFocus considers Beacon Financial to be Modestly Overvalued.
Key valuation signals for BBT:
Net Margin %: 21.53% (near median its 10-year median of 21.67)
GF Value™: $24.28 vs. price of $30.51 (25.7% above fair value)
Industry Position: 20.1% below the Banks median (#1172 of 1527)
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.
57GF Score
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Net Margin % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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