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(-2.44% Downside)
Action:ReiteratedDate: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
$2.58B
Dividend Yield3.21%
Average Volume (3M)893.58K
Price to Earnings (P/E)10.4
Beta (1Y)0.76
Revenue Growth21.37%
EPS Growth17.19%
CountryUS
Employees951
SectorFinancial
Sector Strength70
IndustryAsset Management
Share Statistics
EPS (TTM)0.79
Shares Outstanding83,816,086
10 Day Avg. Volume936,861
30 Day Avg. Volume893,577
Financial Highlights & Ratios
PEG Ratio0.59
Price to Book (P/B)0.92
Price to Sales (P/S)3.04
P/FCF Ratio0.00
Enterprise Value/Market Cap0.55
Enterprise Value/Revenue1.80
Enterprise Value/Gross Profit3.62
Enterprise Value/Ebitda17.38
Forecast
1Y Price Target
$34.67Price Target Upside12.74% Upside
Rating ConsensusModerate Buy
Number of Analyst Covering3
EPS Forecast (FY)3.6
Revenue Forecast (FY)$942.84M
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:Jan 28, 2026
(Q4-2025)
| % Change Since: |
Next Earnings Date:Apr 16, 2026
Earnings Call Sentiment Positive
The call reflects a generally positive operating and strategic progress narrative: improved NIM, solid operating earnings and return metrics, stronger balance sheet scale and increased equity from early ASU adoption. That said, there are notable near-term headwinds including merger-related charges and a delayed systems conversion, elevated CRE concentration and localized CRE/office stress, and the elimination of future accretion from the accounting change which reduces longer‑term EPS upside. Management presents a clear plan to reduce CRE concentration, complete the conversion in Feb 2026 and realize synergies, and their commentary frames the risks as manageable and largely transitional.Positive Updates
Improved Net Interest Margin and Net Interest Income
Net interest margin improved to 3.82% (382 bps) in Q4, including a 26 bps lift from purchase accounting; net interest income was $199.7 million (which included $13.8 million of purchase accounting accretion).
Negative Updates
GAAP Earnings Impacted by Merger Charges
On a GAAP basis (including $14.4 million of merger-related charges), Beacon earned $53.4 million or $0.64 per share in Q4. Management expects additional merger-related charges (~$10M–$13M) in Q1 2026 tied to the delayed systems conversion.
Read all updates
Q4-2025 Updates
Positive
Negative
Improved Net Interest Margin and Net Interest Income
Net interest margin improved to 3.82% (382 bps) in Q4, including a 26 bps lift from purchase accounting; net interest income was $199.7 million (which included $13.8 million of purchase accounting accretion).
Read all positive updates
Company Guidance
Management's guidance emphasized steady near-term operating metrics and specific run-rate assumptions: quarterly provisions of $5–$9 million, remaining Q1 merger-related charges of roughly $10–$13 million, and realization of announced cost synergies around the core conversion (scheduled for February 2026) with post-synergy expense growth of about 3.0–3.5%; loan growth is expected to be mid- to lower-single-digit in 2026, NIM guidance sits around the high-3% range (near 3.85%–4.00%), and the firm is targeting investor CRE concentration down to ~300% of total risk‑based capital by year-end 2026. They also noted the accounting ASU reduced long‑run EPS by roughly $0.17 to an operating EPS outlook of about $3.68 (analysts’ 2026 average ~$3.62, $3.49–$3.75 range), while current balance-sheet and credit metrics include $23.2B assets, $19.5B deposits, $18.0B loans, $253M allowance (~140 bps coverage), $9M quarterly net charge‑offs (≈20 bps annualized), and a $0.3225 quarterly dividend (~4.5% yield).Beacon Financial Corporation Financial Statement Overview
Summary
Income Statement
52
Neutral
Balance Sheet
58
Neutral
Cash Flow
71
Positive
| Breakdown | Dec 2025 | Dec 2024 | Dec 2023 | Dec 2022 | Dec 2021 |
|---|---|---|---|---|---|
Income Statement | |||||
| Total Revenue | 759.29M | 643.37M | 606.54M | 438.34M | 460.73M |
| Gross Profit | 511.61M | 357.01M | 367.29M | 384.68M | 423.33M |
| EBITDA | 131.41M | 86.50M | 86.77M | 123.39M | 160.06M |
| Net Income | 90.27M | 61.00M | 69.60M | 92.53M | 118.66M |
Balance Sheet | |||||
| Total Assets | 23.22B | 11.91B | 11.38B | 9.19B | 8.60B |
| Cash, Cash Equivalents and Short-Term Investments | 201.56M | 1.44B | 1.05B | 1.04B | 1.05B |
| Total Debt | 879.07M | 1.56B | 1.41B | 1.45B | 377.83M |
| Total Liabilities | 20.72B | 10.68B | 10.18B | 8.19B | 7.61B |
| Stockholders Equity | 2.50B | 1.22B | 1.20B | 992.13M | 995.34M |
Cash Flow | |||||
| Free Cash Flow | 0.00 | 99.97M | 104.24M | 113.37M | 128.42M |
| Operating Cash Flow | 0.00 | 104.95M | 116.60M | 120.76M | 133.21M |
| Investing Cash Flow | 0.00 | -139.60M | -665.26M | -557.69M | 131.11M |
| Financing Cash Flow | 0.00 | 445.29M | 298.74M | 492.15M | -371.51M |
Beacon Financial Corporation Technical Analysis
Positive
30.75
Price Trends
29.70
Positive
27.93
Positive
26.24
Positive
Market Momentum
0.21
Negative
63.27
Neutral
89.59
Negative
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For BBT, the sentiment is Positive. The current price of 30.75 is above the 20-day moving average (MA) of 29.33, above the 50-day MA of 29.70, and above the 200-day MA of 26.24, indicating a bullish trend. The MACD of 0.21 indicates Negative momentum. The RSI at 63.27 is Neutral, neither overbought nor oversold. The STOCH value of 89.59 is Negative, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive 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 |
|---|---|---|---|---|---|---|---|
69 Neutral | $2.00B | 12.09 | 7024.00% | 0.08% | 21.53% | 42.18% | |
69 Neutral | $2.01B | 29.32 | 14.71% | 3.78% | 22.09% | 58.98% | |
68 Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% | |
66 Neutral | $2.12B | 15.68 | 26.49% | 0.95% | 12.05% | 120.13% | |
65 Neutral | $2.58B | 10.36 | 3.20% | 3.21% | 21.37% | 17.19% | |
62 Neutral | $1.96B | 8.56 | -863.72% | 3.91% | 18.33% | 109.57% | |
59 Neutral | $1.76B | 12.06 | 10.58% | 9.64% | -6.44% | -1.18% |
* Financial Sector Average
BBT
Beacon Financial Corporation
30.75
8.47
38.03%
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36.12%
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.