Beacon Financial Corp. Financial Ratios — BBT Stock

Profitability (USD)

	2011 Y	2012 Y	2013 Y	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2011	12/31/2012	12/31/2013	12/31/2014	12/31/2015	12/31/2016	12/31/2017	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Return on Common Equity (%)	5.53	6.66	5.88	6.89	7.6	7.68	6.71	9.64	9.4	5.01	11.92	11.04	6.85	5.68	4.86
Return on Assets (%)	0.92	0.88	0.69	0.78	0.84	0.84	0.76	1.17	1.15	0.57	1.32	1.23	0.73	0.59	0.51
Return on Capital (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Return on Invested Capital (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Gross Margin (%)	100	100	100	100	100	100	100	100	100	100	100	100	100	100	100
EBITDA Margin (%)	3.15	4.77	5.69	4.99	4.65	4.23	3.65	3.47	3.01	2.37	2.15	1.99	4.31	4.12	4.48
Operating Margin (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Incremental Operating Margin (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Pretax Margin (%)	42.26	30.47	30.48	34.47	38.09	37.83	38.09	41.31	40.99	21.8	49.97	42.67	25.29	25.79	22.04
Profit Margin (%)	23.95	18.96	18.77	20.84	23.2	23.14	19.78	30.43	30.99	16.73	37.32	33.46	20.2	19.33	16.32
Net Income to Common Margin (%)	23.95	18.96	18.77	20.84	23.2	23.14	19.7	30.1	30.65	16.62	37.32	33.46	20.2	19.33	16.32
Effective Tax Rate (%)	40.83	35.74	35.34	36.71	35.92	35.5	44.87	23.23	24.36	23.26	25.33	21.58	20.14	25.06	25.92
Dvd Payout Ratio (%)	66.46	60.05	60.22	50.41	45.43	43.67	47.46	34.25	39.32	76.25	32.45	36.52	63.9	69.94	69.92
Sustainable Growth Rate (%)	1.85	2.66	2.34	3.42	4.15	4.33	3.53	6.34	5.7	1.19	8.05	7.01	2.47	1.71	1.46

Credit (USD)

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	2011 Y	2012 Y	2013 Y	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2011	12/31/2012	12/31/2013	12/31/2014	12/31/2015	12/31/2016	12/31/2017	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Total Debt	515	854	813	1,126	983	1,044	1,021	921	928	844	378	1,452	1,409	1,565	879
ST Debt	8	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	1,358	544
LT Debt	507	854	813	1,126	983	1,044	1,021	921	928	844	378	1,452	1,409	207	335
Total Debt/EBITDA	141.91	91.28	74.45	108.69	98.45	108.99	109.52	97.29	108.83	124.97	56.69	222.69	88.05	106.9	35.48
Net Debt/EBITDA	126.34	82.9	66.09	102.67	91.15	102.92	103.24	88.08	96.78	57.03	4.44	160.97	77.73	66.7	-50.58
Total Debt/EBIT	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Net Debt/EBIT	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBITDA to Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBITDA-CapEx/Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBIT to Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Common Equity/Total Assets	15.27	11.89	11.53	11.06	11.05	10.8	11.86	12.18	12.04	10.53	11.57	10.8	10.53	10.26	10.75
Long-Term Debt/Equity (%)	99.98	138.67	131.45	174.2	145.96	148.57	125.63	101.09	98.1	89.66	37.96	146.37	117.52	16.91	13.41
Long-Term Debt/Capital (%)	49.59	58.1	56.79	63.53	59.34	59.77	55.68	50.27	49.52	47.27	27.52	59.41	54.03	7.42	9.91
Long-Term Debt/Total Assets (%)	15.37	16.59	15.26	19.42	16.27	16.22	15.06	12.45	11.81	9.44	4.39	15.81	12.38	1.74	1.44
Total Debt/Equity (%)	101.63	138.67	131.45	174.2	145.96	148.57	125.63	101.09	98.1	89.66	37.96	146.37	117.52	128.04	35.22
Total Debt/Capital (%)	50.4	58.1	56.79	63.53	59.34	59.77	55.68	50.27	49.52	47.27	27.52	59.41	54.03	56.15	26.05
Total Debt/Total Assets (%)	15.62	16.59	15.26	19.42	16.27	16.22	15.06	12.45	11.81	9.44	4.39	15.81	12.38	13.14	3.79
Net Debt to Equity	90.48	125.94	116.68	164.55	135.14	140.3	118.42	91.53	87.24	40.92	2.97	105.8	103.75	79.89	-50.21
Net Debt/Capital (%)	47.5	55.74	53.85	62.2	57.47	58.38	54.22	47.79	45.95	28.52	2.83	50.92	50.26	43.52	-94
EBITDA	4	9	11	10	10	10	9	9	9	7	7	7	16	15	25
EBITDA-CapEx	-16	-14	-6	3	5	4	-2	6	4	4	2	-1	4	10	12
Operating Income (Loss)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -

Liquidity (USD)

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	2011 Y	2012 Y	2013 Y	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2011	12/31/2012	12/31/2013	12/31/2014	12/31/2015	12/31/2016	12/31/2017	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Cash Ratio	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Current Ratio	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Quick Ratio	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
CFO/Avg Current Liab	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Common Equity/Total Assets	15.27	11.89	11.53	11.06	11.05	10.8	11.86	12.18	12.04	10.53	11.57	10.8	10.53	10.26	10.75
Long-Term Debt/Equity (%)	99.98	138.67	131.45	174.2	145.96	148.57	125.63	101.09	98.1	89.66	37.96	146.37	117.52	16.91	13.41
Long-Term Debt/Capital (%)	49.59	58.1	56.79	63.53	59.34	59.77	55.68	50.27	49.52	47.27	27.52	59.41	54.03	7.42	9.91
Long-Term Debt/Total Assets (%)	15.37	16.59	15.26	19.42	16.27	16.22	15.06	12.45	11.81	9.44	4.39	15.81	12.38	1.74	1.44
Total Debt/Equity (%)	101.63	138.67	131.45	174.2	145.96	148.57	125.63	101.09	98.1	89.66	37.96	146.37	117.52	128.04	35.22
Total Debt/Capital (%)	50.4	58.1	56.79	63.53	59.34	59.77	55.68	50.27	49.52	47.27	27.52	59.41	54.03	56.15	26.05
Total Debt/Total Assets (%)	15.62	16.59	15.26	19.42	16.27	16.22	15.06	12.45	11.81	9.44	4.39	15.81	12.38	13.14	3.79
CFO/Total Liabilities	1.66	1.31	1.57	1.64	1.2	1.36	1.42	1.9	1.49	1.41	1.75	1.47	1.14	0.98	1.08
CFO/CapEx	2.32	2.51	4.5	10.83	13.53	14.81	7.35	36.7	20.56	38.67	27.82	16.35	9.44	21.05	18.27
Altman's Z-Score	0.17	0.15	0.16	0.15	0.16	0.18	0.19	0.16	0.18	0.12	0.17	0.17	0.14	0.15	0.12

Working Capital (USD)

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	2011 Y	2012 Y	2013 Y	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2011	12/31/2012	12/31/2013	12/31/2014	12/31/2015	12/31/2016	12/31/2017	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Accounts Receivable Turnover	26.82	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Days Sales Outstanding	13.61	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Inventory Turnover	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Days Inventory Outstanding	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Accounts Payable Turnover	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Accounts Payable Turnover Days	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Cash Conversion Cycle	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Inventory to Cash Days	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Inventories	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Raw Materials	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Work In Process	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Finished Goods	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Other Inventory	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -

Enterprise Value (USD)

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	2011 Y	2012 Y	2013 Y	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2011	12/31/2012	12/31/2013	12/31/2014	12/31/2015	12/31/2016	12/31/2017	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Market Capitalization	552	705	808	792	867	1,099	1,185	907	1,107	566	933	965	927	1,064	2,210
- Cash & Cash Equivalents	57	78	91	62	73	58	59	87	78	435	328	383	133	544	2,042
+ Preferred Equity and Hybrid Capital	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Minority/Non Controlling Interest	3	4	4	5	6	7	9	10	- -	- -	- -	- -	- -	- -	- -
+ Total Debt	515	854	813	1,126	983	1,044	1,021	921	928	844	378	1,452	1,409	1,565	879
Enterprise Value	797	1,003	1,041	1,310	1,270	1,569	1,616	1,244	1,454	229	262	1,378	1,287	1,190	-641
Total Capital	1,022	1,470	1,431	1,773	1,657	1,747	1,833	1,831	1,873	1,786	1,373	2,444	2,607	2,787	3,375
Total Debt/Capital (%)	50.4	58.1	56.79	63.53	59.34	59.77	55.68	50.27	49.52	47.27	27.52	59.41	54.03	56.15	26.05
Total Debt / EV	0.65	0.85	0.78	0.86	0.77	0.67	0.63	0.74	0.64	3.69	1.44	1.05	1.09	1.31	-1.37
EV/Sales	6.91	5.12	5.43	6.3	5.92	6.93	6.33	4.56	5.14	0.8	0.85	4.2	3.46	3.35	- -
EV/EBITDA	219.41	107.23	95.42	126.38	127.15	163.77	173.4	131.44	170.63	33.84	39.35	211.24	80.41	81.3	- -
EV/EBIT	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/Cash Flow to Firm	17.23	16.91	14.07	15.54	19.65	20.13	19.03	10.11	14.16	2.03	1.97	11.41	11.03	11.34	- -
EV/Free Cash Flow to Firm	12.04	12.09	11.51	14.23	18.3	18.86	16.75	9.84	13.5	1.98	1.9	10.75	9.98	10.82	- -
Diluted Market Cap	546	699	800	784	859	1,090	1,150	905	1,103	569	934	971	922	1,066	2,313
Diluted Enterprise Value	1,009	1,478	1,526	1,853	1,775	2,083	2,121	1,749	1,953	978	984	2,041	2,198	2,087	1,150
EV per Share	32.03	33.94	35.14	44.1	42.64	52.59	49.9	36.99	43.19	6.92	7.99	42.68	34.46	31.8	- -
TTM Sales	115	196	192	208	215	226	255	273	283	285	309	328	371	356	553
TTM EBITDA	4	9	11	10	10	10	9	9	9	7	7	7	16	15	25
TTM Operating Income	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
TTM Cash Flow to Firm	46	59	74	84	65	78	85	123	103	112	133	121	117	105	224
TTM Free Cash Flow to Firm	66	83	90	92	69	83	97	126	108	115	138	128	129	110	237

Multiples (USD)

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	2011 Y	2012 Y	2013 Y	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2011	12/31/2012	12/31/2013	12/31/2014	12/31/2015	12/31/2016	12/31/2017	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Price/Free Cash Flow	8.26	8.42	8.85	8.52	12.38	13.11	11.92	7.16	10.24	4.93	6.77	7.58	7.15	9.7	9.77
EV/EBIT	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Enterprise Value	797	1,003	1,041	1,310	1,270	1,569	1,616	1,244	1,454	229	262	1,378	1,287	1,190	-641
Low Price	17.11	20.15	23.38	22.06	24.27	24.71	32.85	25.77	26.02	8.55	16.35	23.62	18.07	20.5	22.27
EV/Sales	6.91	5.12	5.43	6.3	5.92	6.93	6.33	4.56	5.14	0.8	0.85	4.2	3.46	3.35	- -
EV/EBITDA	219.41	107.23	95.42	126.38	127.15	163.77	173.4	131.44	170.63	33.84	39.35	211.24	80.41	81.3	- -
Price/Earnings	19.8	18.81	22.2	18.09	17.22	20.77	22.76	10.99	12.68	12	8.07	8.82	12.27	15.46	25.52
Price/Earnings Average	18.81	17.77	21.01	16.66	16.48	15.93	22.49	15.56	11.64	10.97	7.1	8.36	11.5	13.59	25.09
Price/Earnings High	21.54	19.3	23.92	18.51	18.15	21.05	24.87	18.03	13.01	23.15	8.27	9.37	15.57	17.6	29.52
Price/Earnings Low	15.27	15.88	19.03	14.97	14.35	13.93	20.42	10.5	10.04	5.99	4.64	6.97	8.93	11.15	21.56
Price/Book Value	1.1	1.15	1.32	1.23	1.3	1.58	1.47	1.01	1.17	0.6	0.94	0.97	0.77	0.87	0.89
Price/Book Value Average	1.04	1.09	1.25	1.14	1.24	1.21	1.46	1.43	1.07	0.55	0.83	0.92	0.72	0.77	0.87
Price/Book Value High	1.19	1.18	1.42	1.26	1.37	1.6	1.61	1.65	1.2	1.16	0.96	1.03	0.98	0.99	1.02
Price/Book Value Low	0.85	0.97	1.13	1.02	1.08	1.06	1.32	0.96	0.93	0.3	0.54	0.77	0.56	0.63	0.75
Price/Tangible Book Value	1.22	1.56	1.76	1.61	1.67	2	1.8	1.24	1.42	0.73	1.12	1.16	0.99	1.1	1.13
Price/Tangible Book Value Average	1.16	1.47	1.67	1.49	1.6	1.53	1.78	1.75	1.3	0.66	0.99	1.1	0.93	0.97	1.11
Price/Tangible Book Value High	1.33	1.6	1.9	1.65	1.76	2.03	1.96	2.03	1.45	1.4	1.15	1.24	1.26	1.26	1.31
Price/Tangible Book Value Low	0.94	1.32	1.51	1.34	1.39	1.34	1.61	1.18	1.12	0.36	0.64	0.92	0.72	0.8	0.95
Price/Sales	4.74	3.56	4.17	3.77	3.99	4.8	4.48	3.31	3.89	1.99	3.01	2.95	2.48	2.99	4.17
Price/Sales Average	4.51	3.37	3.94	3.47	3.82	3.68	4.43	4.68	3.57	1.82	2.65	2.8	2.32	2.63	4.1
Price/Sales High	5.16	3.66	4.49	3.86	4.21	4.87	4.9	5.43	3.99	3.85	3.09	3.14	3.15	3.4	4.82
Price/Sales Low	3.66	3.01	3.57	3.12	3.33	3.22	4.02	3.16	3.08	1	1.73	2.33	1.8	2.15	3.52
Price/Cash Flow	11.82	11.78	10.8	9.29	13.27	13.95	13.47	7.34	10.71	5.05	6.99	8.02	7.89	10.12	10.27
Price/Cash Flow Average	11.23	11.13	10.22	8.55	12.7	10.7	13.32	10.39	9.83	4.61	6.16	7.59	7.4	8.9	10.09
Price/Cash Flow High	12.86	12.09	11.64	9.51	13.99	14.14	14.73	12.04	10.99	9.74	7.17	8.52	10.02	11.52	11.87
Price/Cash Flow Low	9.11	9.95	9.26	7.69	11.06	9.36	12.09	7.01	8.48	2.52	4.02	6.33	5.74	7.3	8.67
Price/Free Cash Flow Average	7.85	7.96	8.37	7.84	11.85	10.05	11.78	10.14	9.39	4.51	5.96	7.18	6.7	8.52	9.6
Price/Free Cash Flow High	8.99	8.65	9.53	8.72	13.05	13.28	13.02	11.75	10.5	9.51	6.94	8.06	9.08	11.04	11.3
Price/Free Cash Flow Low	6.37	7.11	7.59	7.05	10.32	8.79	10.7	6.84	8.1	2.46	3.89	5.99	5.21	6.99	8.25
EV/Sales Average	8.56	7.38	7.77	8.65	8.14	8.11	8.39	7.8	6.59	3.25	2.82	6.05	5.78	5.5	1.83
EV/Sales High	9.22	7.67	8.32	9.04	8.53	9.31	8.88	8.54	7.01	5.27	3.26	6.39	6.6	6.28	2.52
EV/Sales Low	7.7	7.02	7.39	8.3	7.64	7.65	7.97	6.27	6.1	2.43	1.9	5.58	5.25	5.03	1.27
EV/EBITDA Average	271.73	154.51	136.58	173.47	174.85	191.68	229.89	224.88	218.87	137.11	130.8	304.16	134.03	133.64	40.75
EV/EBITDA High	292.65	160.67	146.27	181.31	183.25	219.99	243.16	246.42	232.91	222.13	151.1	321.25	153.29	152.49	56.25
EV/EBITDA Low	244.49	146.96	129.98	166.35	164.11	180.62	218.32	180.76	202.49	102.4	88.02	280.86	121.9	122.17	28.41
EV/EBIT Average	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBIT High	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBIT Low	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Last Price	22.19	23.86	27.27	26.66	29.11	36.85	36.6	26.97	32.88	17.12	28.43	29.9	24.83	28.43	26.37
High Price	24.14	24.49	29.38	27.28	30.69	37.35	40	44.25	33.72	33.04	29.16	31.78	31.52	32.36	30.5
Enterprise Value Average	987	1,445	1,491	1,798	1,746	1,836	2,143	2,128	1,866	926	872	1,983	2,144	1,956	1,010
Enterprise Value High	1,063	1,503	1,596	1,879	1,830	2,108	2,267	2,332	1,985	1,501	1,007	2,095	2,452	2,232	1,394
Enterprise Value Low	888	1,375	1,419	1,724	1,639	1,730	2,035	1,710	1,726	692	587	1,832	1,950	1,788	704

Shares Outstanding	25	30	30	30	30	30	32	34	34	33	33	32	37	37	84
Diluted Weighted Avg Shares	25	29	29	29	29	30	31	34	34	33	33	32	37	38	88
Basic Weighted Avg Shares	25	29	29	29	29	30	31	33	33	33	33	32	37	37	87
Revenue per Share	4.68	6.69	6.54	7.07	7.29	7.67	8.17	8.16	8.46	8.59	9.45	10.13	10.02	9.51	6.33
EBITDA per Share	0.15	0.32	0.37	0.35	0.34	0.32	0.3	0.28	0.25	0.2	0.2	0.2	0.43	0.39	0.28
Operating Income per Share	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Basic EPS, GAAP	1.12	1.27	1.23	1.47	1.69	1.77	1.61	2.45	2.59	1.43	3.52	3.39	2.02	1.84	1.03
Basic EPS from Cont Ops	1.17	1.31	1.29	1.54	1.78	1.87	1.71	2.59	2.62	1.44	3.52	3.39	2.02	1.84	1.03
Diluted EPS, GAAP	1.12	1.27	1.23	1.47	1.69	1.77	1.6	2.45	2.59	1.42	3.51	3.38	2.02	1.83	1.03
Diluted EPS from Cont Ops	1.17	1.31	1.29	1.54	1.78	1.87	1.71	2.58	2.62	1.43	3.51	3.38	2.02	1.83	1.03
Dividend per Share	0.81	0.81	0.81	0.81	0.85	0.86	0.86	0.94	1.05	1.1	1.14	1.24	1.29	1.29	0.72
Cash Flow per Share	1.88	2.03	2.52	2.87	2.19	2.64	2.72	3.68	3.07	3.39	4.07	3.73	3.15	2.81	2.57
Free Cash Flow per Basic Share	1.07	1.22	1.96	2.6	2.03	2.46	2.35	3.58	2.92	3.3	3.92	3.5	2.81	2.67	2.43
Cash & Equivalents per Share	11.01	18.94	19.69	20.65	19.69	19.5	18.49	17.67	17.24	35.76	31.95	32.21	28.1	38.44	44.51
Book Value per Share	20.25	20.71	20.71	21.61	22.42	23.31	24.82	26.77	28.08	28.51	30.33	30.74	32.1	32.65	29.78
Tangible Book Value per Share	18.2	15.32	15.49	16.51	17.43	18.42	20.38	21.82	23.19	23.56	25.37	25.71	25	25.74	23.32

Beacon Financial Corp.

Profitability (USD)

Credit (USD)

Liquidity (USD)

Working Capital (USD)

Enterprise Value (USD)

Multiples (USD)

Per Share Data Items (USD)