Beacon Financial Corporation AI Stock Analysis
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Beacon Financial Corporation (BBT) AI Stock Analysis
Beacon Financial Corporation
(NYSE:BBT)
Overall score reflects improving fundamentals (2025 profitability and cash flow rebound plus reduced leverage) as the main support. Technicals are constructive with price above major moving averages and positive momentum. Valuation is supportive with a modest P/E and solid dividend yield. Partially offsetting these positives, the latest earnings commentary flagged credit-cost pressure (higher NPLs/charge-offs) and the need to close the gap versus merger-plan performance targets.
Beacon Financial Corporation (BBT) vs. SPDR S&P 500 ETF (SPY)
- Market Cap
- $2.60B
- Dividend Yield
- 4.17%
- Average Volume (3M)
- 1.01M
- Price to Earnings (P/E)
- 11.5
- Beta (1Y)
- 0.57
- Revenue Growth
- 74.11%
- EPS Growth
- 141.31%
- Country
- US
- Employees
- 1,972
- Sector
- Financial
- Sector Strength
- 68
- Industry
- Banks - Regional
Beacon Financial Corporation Business Overview & Revenue Model
Company Description
Beacon Financial Corporation operates as the bank holding company for Beacon Bank & Trust that provides various banking services in the United States and internationally. The company accepts commercial, municipal, and retail deposits. It originates m...
Beacon Financial Corporation Earnings Call Summary
The call was generally constructive and forward-looking. Beacon reported stable profitability, expanding net interest margin, improved efficiency, strengthened capital, progress in reducing investor CRE concentration, and a healthy commercial loan pipeline. These positives were tempered by sequentially lower GAAP earnings and reported returns, balance-sheet contraction, higher nonperforming loans, expected elevated charge-offs, competitive lending conditions, and the acknowledgment that performance remains below the levels contemplated in the merger plan.
Q3-2026 Updates
Positive Updates
Negative Updates
Company Guidance
Management expects net interest margin to be in the range of 3.85% to 3.9%, with purchase accounting accretion contributing approximately $12 million per quarter and fluctuating based on prepayment activity; the base case currently does not reflect future changes to the Fed funds rate. Net new funding anticipated for fourth quarter is about $610 million, excluding pay downs and regular amortization, and management expects pay down to slow down. Fee revenue currently represents approximately 11% of total revenue, with a goal to increase that contribution to the mid teens over time, organically. The company intends to lower its nominal dollar expense run rate, maintain its dividend, increase buybacks, and remain open to team lift outs while not pursuing whole bank acquisitions; total share repurchase authorization is $125 million or approximately 5% of market capitalization, and the quarterly dividend is $0.3225 per share, reflecting a 4.7% dividend yield. Management believes there is an opportunity to modestly reduce its reserves to loans ratio over time and believes a mid teens ROTCE is an appropriate near term target, while targeting top quartile employee and client retention.
Beacon Financial Corporation Financial Statement Overview
Summary
Financials show a clear 2025 rebound: higher net income and expanding margins, alongside much stronger operating and free cash flow and a sharply improved leverage profile (lower debt-to-equity). Offsetting this, returns on equity remain modest and profitability is still below the stronger 2021–2022 period, indicating remaining execution risk in translating the stronger capital base into consistently higher earnings power.
Income Statement
72PositiveBalance Sheet
58NeutralCash Flow
75Positive| Breakdown | TTM | Dec 2025 | Dec 2024 | Dec 2023 | Dec 2022 | Dec 2021 |
|---|---|---|---|---|---|---|
Income Statement | ||||||
| Total Revenue | 1.24B | 759.29M | 643.37M | 606.54M | 438.34M | 460.73M |
| Gross Profit | 797.93M | 388.21M | 357.01M | 367.29M | 384.68M | 423.33M |
| EBITDA | 423.09M | 146.64M | 94.15M | 94.32M | 120.34M | 155.69M |
| Net Income | 225.19M | 90.27M | 61.00M | 69.60M | 92.53M | 118.66M |
Balance Sheet | ||||||
| Total Assets | 21.88B | 23.22B | 11.91B | 11.38B | 9.19B | 8.60B |
| Cash, Cash Equivalents and Short-Term Investments | 771.35M | 3.73B | 1.44B | 1.05B | 1.04B | 1.05B |
| Total Debt | 863.43M | 879.07M | 1.56B | 1.41B | 1.45B | 377.83M |
| Total Liabilities | 19.36B | 20.72B | 10.68B | 10.18B | 8.19B | 7.61B |
| Stockholders Equity | 2.52B | 2.50B | 1.22B | 1.20B | 992.13M | 995.34M |
Cash Flow | ||||||
| Free Cash Flow | 151.34M | 224.44M | 99.97M | 104.24M | 113.37M | 128.42M |
| Operating Cash Flow | 153.59M | 224.44M | 104.95M | 116.60M | 120.76M | 133.21M |
| Investing Cash Flow | 51.71M | 0 | -139.60M | -665.26M | -557.69M | 131.11M |
| Financing Cash Flow | -966.66M | 0 | 445.29M | 298.74M | 492.15M | -371.51M |
Beacon Financial Corporation Technical Analysis
Price Trends
Market Momentum
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 30.94 is above the 20-day moving average (MA) of 29.50, above the 50-day MA of 29.21, and above the 200-day MA of 29.37, indicating a bullish trend. The MACD of 0.64 indicates Negative momentum. The RSI at 63.26 is Neutral, neither overbought nor oversold. The STOCH value of 34.00 is Neutral, 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.
Latest Risks Added
0 New RisksBeacon Financial Corporation Peers Comparison
Overall Rating
BANR75Outperform
SYBT74Outperform
EFSC72Outperform- BBT70Outperform
WAFD70Outperform
BUSE60Neutral
Financial Indicators
| Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
| BANR | 75Outperform | $2.54B | 11.74 | 10.07% | 2.97% | 1.56% | 7.14% |
| SYBT | 74Outperform | $2.50B | 15.26 | 13.53% | 1.62% | 9.59% | 13.15% |
| EFSC | 72Outperform | $2.23B | 12.46 | 9.35% | 2.14% | 2.12% | -3.12% |
| BBT | 70Outperform | $2.58B | 11.50 | 8.95% | 4.17% | 74.11% | 141.31% |
| WAFD | 70Outperform | $2.18B | 8.87 | 8.50% | 3.68% | 0.49% | 21.69% |
| Sector * | 68Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% |
| BUSE | 60Neutral | $2.34B | 11.76 | 9.65% | 3.59% | 17.34% | 112.83% |
* Financial Sector Average
Performance Comparison
| Show on chart | Ticker | Company Name | Price | Change | % Change |
|---|---|---|---|---|---|
| BBT | Beacon Financial Corporation | 30.94 | 6.86 | 28.49% | |
| BANR | Banner Corp. | 69.36 | 9.72 | 16.29% | |
| EFSC | Enterprise Financial Services | 62.53 | 10.80 | 20.88% | |
| BUSE | First Busey | 28.94 | 6.78 | 30.57% | |
| SYBT | Stock Yards Bancorp, Inc. | 79.64 | 13.85 | 21.06% | |
| WAFD | Washington Federal | 29.37 | -0.35 | -1.16% |
Beacon Financial Corporation Corporate Events
Beacon Financial Names Sean Gray President and CEO
NeutralOn October 29, 2026, Beacon Financial Corporation and Beacon Bank & Trust entered an employment agreement with Sean A. Gray, effective September 21, 2026, tied to his appointment as president and chief executive officer. It set a $1 million salary, 7...
Beacon Financial boosts dividend and expands buyback plan
PositiveFor the third quarter of 2026, Beacon Financial reported net income of $61.2 million, or $0.73 per share, down from the prior quarter but markedly improved from a loss a year earlier, with operating earnings steady at $64.7 million and net interest i...
Beacon Financial names Sean Gray as new CEO
PositiveBeacon Financial Corporation announced a leadership transition on September 21, 2026, as veteran banker Paul A. Perrault retired as president, chief executive officer and director of both the company and Beacon Bank & Trust, following a career of mor...
Beacon Financial Issues New Tier 2 Subordinated Notes
PositiveOn August 20, 2026, Beacon Financial Corporation completed a $175 million issuance of 6.25% fixed-to-floating rate subordinated notes due 2036, structured as unsecured, subordinated obligations intended to qualify as Tier 2 capital. The notes carry a...
Beacon Highlights Post-Merger Strength in Q3 2026 Presentation
PositiveBeacon Financial Corporation has released updated fixed-income investor presentation materials for use in meetings with bond investors, analysts and other market participants during the third quarter of 2026, supplementing its regular SEC filings. Th...
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.
Date of analysis: Nov 10, 2026