All three tenses have at least two readings, so the archetype blend applies as printed.
All nine metrics read as filed from the record.
What did they actually do?
Has it survived what it has been through?
3 warning events since 2017; the latest 2025-09-10.
From the record
Beacon Financial Corporation's filings since 2017 show 3 warning events of 2 kinds: a notice about its exchange listing (8-K item 3.01, the latest 2025-09-02); an auditor change (8-K item 4.01, 2 times, the latest 2025-09-10) (its current reports).
A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.
What has it actually done, year after year?
+12.9% a year over 10 filed years; profitable in 9 of 10.
From the record
Beacon Financial Corporation's 10 filed years say what it did: revenue went from $280 million in fiscal 2016 to $833 million in fiscal 2025, up 12.9% a year; it rose in 7 of 9 years; the deepest fall was 35% from fiscal 2019 to fiscal 2021; net income was positive in 9 of 10 of those years (its annual reports).
What it rests on
A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.
How has it treated the people who own it?
Share count grew 24.1% a year. 45% of cash flow returned. Insiders: 2 sales, 11 purchases.
From the record
Over the 3 fiscal years to 2025-12-31, Beacon Financial Corporation's diluted share count grew about 24.1% a year, and dividends and buybacks returned about 45% of its operating cash flow over 3 years (its filed statements). Its officers and directors filed 2 sales and 11 purchases of their own stock on the open market in the year to 2026-11-02, buying about $548 thousand (their Form 4 filings).
What it rests on
A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.
What are they doing right now?
Is it financially healthy right now?
ROE 4%: 4¢ of profit per shareholder dollar. Leverage 89%: owes 89¢ per asset dollar.
From the record
Return on equity: in the fiscal year ended 2025-12-31, Beacon Financial Corporation earned about 4 cents of profit for every dollar of shareholders' money. Leverage: it owed about 89 cents per dollar of assets, and net share issuance: its share count shrank 1.8% over the year (the filed statements).
What it rests on
A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.
How strong is its position in its industry?
top 27% of 22 in its family; net margin 10.8%.
From the record
Beacon Financial Corporation's standing among 22 graded names in its industry family: revenue of $833 million in fiscal 2025 ranks in the top 7% by size; a net margin of 10.8% ranks in the bottom 43%; revenue growth of 29.1% a year over the last 3 filed years ranks in the top 16% (its annual reports).
What it rests on
A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.
What are the people in charge doing?
bottom 38% of 16 in its family for leadership; chief executive since 2025.
From the record
Beacon Financial Corporation's leadership, from its insiders' filings and its current reports: the chief executive on the record is Perrault, Paul A (President and CEO, as filed), filing under that title since the record of its people begins (2025-09-05), so the years before are not on the record and this part is not read; the 30 officers and directors filing in the last fifteen months have been on the record a median of 3.7 years (bottom 11%); 8 officer or director changes were reported on Form 8-K since 2023-11-13, against the 30 people in charge now (top 34%; fewer changes for each person reads higher) (the Form 4 record, its Form 8-K reports). Years count from a person's first filing in the SEC's data sets, which begin in 2006, so each is a floor.
What it rests on
A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.
What are they set up to do next?
How much room does it have to grow?
top 36% of 19 in its family for room to expand.
From the record
Beacon Financial Corporation's room to grow, from the newest filed statements (fiscal 2025): cash of $2.0 billion against debt of $788 million leaves 5.4% of its assets as net cash, top 37% of its family; cash from operations less capital spending is 25.5% of revenue (top 34%) (its annual report).
What it rests on
A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.
What could actually drive growth from here?
top 8% of 19 in its family for growth drivers.
From the record
Beacon Financial Corporation's growth drivers, from the filed years to fiscal 2025: revenue grew 29.1% a year over the last three filed years against 12.9% over all 10, speeding up (top 13% of its family); the newest year grew 32.5% (top 3%); capital spending grew 101.8% a year (top 8%) (its annual reports). Beacon Financial Corporation tags no split of its revenue by line in the annual report on file, so growth by line cannot be read here; research and capital spending are on the trend.
What it rests on
A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.
Did its newest year beat what its own record pointed to?
top 50% of 17 in its family for expectations against reality.
From the record
Beacon Financial Corporation's newest year against its own record: revenue of $833 million in fiscal 2025 came in 4% above the $801 million its prior three years' pace pointed to (top 3% of its family); net income of $90 million against a prior three-year average of $79 million (bottom 32%); a net margin of 10.8% against 15.9% before (bottom 21%) (its annual reports).
What it rests on
A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.
The grade is the company against its own industry, from its filings. It is not a view on the share price. How the grade is made