Beacon Financial Corporation (BBT)
NYSE:BBT
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Beacon Financial Corporation
(NYSE:BBT)
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Rating:65Neutral
Price Target:
$30.00
â–¼(-7.21% Downside)
Action:Reiterated
Date:01/30/26
The score is driven primarily by mixed financial performance—strong cash generation and revenue growth but sharply weaker margins and ROE in the latest TTM period. Technicals add support with an uptrend and healthy momentum, while valuation is a mild headwind due to the higher P/E (partly offset by the dividend). Earnings-call commentary is moderately positive but constrained by integration costs, delayed conversion, and CRE/office-related risks.
Positive Factors
Successful Merger Integration
The successful integration of the merger enhances Beacon's market position and operational scale, potentially leading to increased profitability and competitive advantage.
Negative Factors
GAAP Loss for the Quarter
A GAAP loss due to merger-related charges indicates financial strain, which could impact short-term profitability and necessitate careful financial management.
Read all positive and negative factors
Positive Factors
Negative Factors
Successful Merger Integration
The successful integration of the merger enhances Beacon's market position and operational scale, potentially leading to increased profitability and competitive advantage.
Read all positive factors
Beacon Financial Corporation (BBT) vs. SPDR S&P 500 ETF (SPY)
Market Cap
$2.36B
Dividend Yield3.21%
Average Volume (3M)748.25K
Price to Earnings (P/E)13.6
Beta (1Y)0.76
Revenue Growth51.60%
EPS Growth-48.48%
CountryUS
Employees951
SectorFinancial
Sector Strength70
IndustryAsset Management
Share Statistics
EPS (TTM)0.88
Shares Outstanding84,028,230
10 Day Avg. Volume682,215
30 Day Avg. Volume748,248
Financial Highlights & Ratios
PEG Ratio0.59
Price to Book (P/B)0.92
Price to Sales (P/S)3.03
P/FCF Ratio0.00
Enterprise Value/Market Cap1.44
Enterprise Value/Revenue3.40
Enterprise Value/Gross Profit6.36
Enterprise Value/Ebitda29.06
Forecast
1Y Price Target
$32.91Price Target Upside1.78% Upside
Rating ConsensusModerate Buy
Number of Analyst Covering5
EPS Forecast (FY)3.26
Revenue Forecast (FY)$903.05M
Beacon Financial Corporation Business Overview & Revenue Model
Company Description
Beacon Financial Corp. engages in the provision of financial planning, advisory, and banking services....
How the Company Makes Money
Beacon Financial Corporation generates revenue through several key streams. The primary source of income comes from net interest income, which is earned from the difference between interest paid on deposits and interest received on loans. Addition...
Beacon Financial Corporation Earnings Call Summary
Earnings Call Date:Apr 29, 2026
(Q1-2026)
| % Change Since: |
Next Earnings Date:Jul 22, 2026
Earnings Call Sentiment Neutral
The call presented a mixed picture: significant operational positives include the completion of the core systems conversion, strong capital levels (CET1 11%, TCE 9.1%), disciplined expense control (operating efficiency ~59.5%), and healthy core operating profitability (operating ROA ~1.01%, ROTCE ~11.24%). However, these were offset by disappointing near-term financial results: GAAP and operating earnings missed expectations, net interest income and NIM contracted, balance sheet contraction (assets down ~$992M, deposits down 6%), increased nonperforming loans (83 bps), and elevated charge-offs (30 bps annualized). Management expects improvement as merger work is behind them, but near-term headwinds and specific CRE credit issues (Boston office, some rent-controlled multifamily) temper the outlook.Positive Updates
Completion of Core Systems Conversion and Integration Milestone
Successfully completed a core systems conversion in mid-February with strong client retention; merger-related implementation work and major merger charges are now largely complete, enabling management to shift focus to execution and revenue/efficiency capture.
Negative Updates
Disappointing Quarterly Earnings and Revenue Pressures
GAAP earnings were $46.2 million, or $0.55 per share, and management stated first quarter results were 'very disappointed' versus expectations. Net interest income was $190.8 million, down $8.9 million or 4% QoQ; net interest margin fell 4 basis points to 3.78%.
Read all updates
Q1-2026 Updates
Positive
Negative
Completion of Core Systems Conversion and Integration Milestone
Successfully completed a core systems conversion in mid-February with strong client retention; merger-related implementation work and major merger charges are now largely complete, enabling management to shift focus to execution and revenue/efficiency capture.
Read all positive updates
Company Guidance
Management guided that loan growth will be soft in Q2 then strengthen through the year while the net interest margin should stabilize around ~3.80% (Q1 NIM 3.78%, down 4 bps) and gradually improve; Q1 net interest income was $190.8M and a parallel 25‑bp rate cut would reduce NII by about $6.8M annually. They expect continued funding cost improvement (interest‑bearing deposit costs down 17 bps), noted Q1 originations/draws of $734M with a weighted average coupon of 7.628% (67% floating), and said the ~$1.4–1.5B CD book will roll with limited repricing upside. Merger charges are largely complete (Q1 one‑time pre‑tax merger charges $13M; total merger costs ~$93M), expense synergies are realized (operating efficiency ratio 59.5% ex‑merger), and capital/return actions are supported (CET1 11%, tangible common equity 9.1%, tangible book $23.48, dividend $0.3225/share, $50M repurchase authorized subject to regulatory approval). On credit, management expects provisioning to be less than charge‑offs as criticized credits are worked through (Q1 nonperforming loans 83 bps, net charge‑offs $13.6M or 30 bps annualized, allowance for loan losses $244M or 1.36% of loans).Beacon Financial Corporation Financial Statement Overview
Summary
Income Statement
52
Neutral
Balance Sheet
58
Neutral
Cash Flow
71
Positive
| Breakdown | TTM | Dec 2025 | Dec 2024 | Dec 2023 | Dec 2022 | Dec 2021 |
|---|---|---|---|---|---|---|
Income Statement | ||||||
| Total Revenue | 998.65M | 759.29M | 643.37M | 606.54M | 438.34M | 460.73M |
| Gross Profit | 533.54M | 388.21M | 357.01M | 367.29M | 384.68M | 423.33M |
| EBITDA | 116.78M | 131.41M | 86.50M | 86.77M | 123.39M | 160.06M |
| Net Income | 79.71M | 90.27M | 61.00M | 69.60M | 92.53M | 118.66M |
Balance Sheet | ||||||
| Total Assets | 22.23B | 23.22B | 11.91B | 11.38B | 9.19B | 8.60B |
| Cash, Cash Equivalents and Short-Term Investments | 185.69M | 3.73B | 1.44B | 1.05B | 1.04B | 1.05B |
| Total Debt | 1.16B | 879.07M | 1.56B | 1.41B | 1.45B | 377.83M |
| Total Liabilities | 19.72B | 20.72B | 10.68B | 10.18B | 8.19B | 7.61B |
| Stockholders Equity | 2.50B | 2.50B | 1.22B | 1.20B | 992.13M | 995.34M |
Cash Flow | ||||||
| Free Cash Flow | 29.42M | 0.00 | 99.97M | 104.24M | 113.37M | 128.42M |
| Operating Cash Flow | 35.15M | 0.00 | 104.95M | 116.60M | 120.76M | 133.21M |
| Investing Cash Flow | 1.82B | 0.00 | -139.60M | -665.26M | -557.69M | 131.11M |
| Financing Cash Flow | -1.92B | 0.00 | 445.29M | 298.74M | 492.15M | -371.51M |
Beacon Financial Corporation Technical Analysis
Negative
32.33
Price Trends
29.56
Negative
29.00
Negative
26.76
Positive
Market Momentum
-0.64
Positive
37.57
Neutral
26.59
Neutral
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For BBT, the sentiment is Negative. The current price of 32.33 is above the 20-day moving average (MA) of 29.09, above the 50-day MA of 29.56, and above the 200-day MA of 26.76, indicating a neutral trend. The MACD of -0.64 indicates Positive momentum. The RSI at 37.57 is Neutral, neither overbought nor oversold. The STOCH value of 26.59 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Negative sentiment for BBT.
Beacon Financial Corporation Risk Analysis
Beacon Financial Corporation disclosed 45 risk factors in its most recent earnings report. Beacon Financial Corporation reported the most risks in the "Finance & Corporate" category.
Finance & Corporate - Financial and accounting risks. Risks related to the execution of corporate activity and strategy
Latest Risks Added 0 New Risks
Beacon Financial Corporation Peers Comparison
UnderperformOutperform
Sector (68)
Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
71 Outperform | $2.96B | -22.76 | 14.38% | 0.95% | 24.18% | 18.98% | |
70 Outperform | $2.47B | 19.99 | 200.83% | 0.08% | 20.72% | -2.79% | |
70 Outperform | $1.80B | 217.90 | 12.14% | 3.78% | 3.28% | -3.07% | |
69 Neutral | $2.18B | 27.35 | 614.24% | 3.91% | 5.42% | 143.26% | |
68 Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% | |
65 Neutral | $2.36B | 13.60 | 3.68% | 3.21% | 51.60% | -48.48% | |
59 Neutral | $1.69B | -16.72 | 0.03% | 9.64% | -29.32% | -39.45% |
* Financial Sector Average
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Beacon Financial Corporation Corporate Events
Business Operations and StrategyDividendsFinancial DisclosuresM&A Transactions
Beacon Financial Posts Strong Q4 Results After Merger
Positive
Jan 28, 2026
Beacon Financial Corporation reported fourth-quarter 2025 net income of $53.4 million, or $0.64 per share, and full-year 2025 net income of $90.3 million, while operating earnings excluding $70.1 million of merger-related charges reached $142.3 mi...
Glossary
BuyA stock rated as a "Buy" is expected to perform better than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock is likely to deliver higher returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
HoldA stock rated as a "Hold" is expected to perform in line with the overall market or a specific benchmark. This rating indicates that the stock is neither particularly compelling nor unfavorable for investment. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
SellA stock rated as a "Sell" is expected to perform worse than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock may deliver lower returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
Disclaimer
This AI Analyst Stock Report is automatically generated by our AI systems using advanced algorithms and publicly available financial, technical, and market data. While the information provided aims to be accurate and insightful, it is intended for informational purposes only and should not be considered financial advice. Any content created by an AI (Artificial Intelligence) system may contain inaccuracies and/or contain errors. Investing in stocks carries inherent risks, and past performance is not indicative of future results. This report does not account for your personal financial circumstances, objectives, or risk tolerance. Always conduct your own research or consult with a qualified financial advisor before making investment decisions. The analysis and recommendations provided are based on historical and current data and may not fully reflect future market conditions or unexpected developments. Neither the creators of this report nor its affiliated entities guarantee the accuracy, completeness, or reliability of the information presented. Use this report at your own discretion and risk.