(BBT) Beacon Financial - Overview
Sector: Financial Services | Industry: Banks - Regional | Exchange: NYSE (USA) | Market Cap: 2.354m USD | Total Return: 19.6% in 12m
Avg Turnover: 18.7M
EPS Trend: 48.1%
Qual. Beats: -1
Rev. Trend: 96.4%
Warnings
No concerns identified
Tailwinds
No distinct edge detected
Beacon Financial Corporation (NYSE: BBT) is a Boston-based bank holding company established in 1846. It operates through Beacon Bank & Trust, offering a comprehensive suite of commercial, municipal, and retail banking services across New England, New York, and international markets. The firm’s primary revenue drivers include commercial and residential real estate mortgages, equipment financing, and Small Business Administration (SBA) lending.
As a diversified financial institution, Beacon Financial integrates traditional deposit-taking with wealth management, trust services, and investment advisory for private and institutional clients. The regional banking sector typically relies on the net interest margin-the difference between interest earned on loans and interest paid on deposits-as a core profitability metric. Furthermore, diversified banks often mitigate risk by balancing interest-sensitive lending with fee-based income from advisory and cash management services.
Investors can further evaluate the company’s valuation metrics and historical performance on ValueRay. Founded over 175 years ago, the company maintains a significant footprint in the Northeast corridor while leveraging digital platforms to provide mobile and online banking solutions.
- Net interest margin fluctuations driven by Federal Reserve monetary policy shifts
- Commercial and residential real estate loan demand in New England markets
- Asset quality and credit loss provisions within specialty equipment financing portfolios
- Growth in wealth management fee income from high-net-worth advisory services
- Regulatory capital requirements impacting dividend distributions and share repurchase programs
| Net Income: 79.7m TTM > 0 and > 6% of Revenue |
| FCF/TA: 0.01 > 0.02 and ΔFCF/TA -0.03 > 1.0 |
| NWC/Revenue: -1.99k% < 20% (prev -1.15k%; Δ -837.8% < -1%) |
| CFO/TA 0.01 > 3% & CFO 202.6m > Net Income 79.7m |
| Net Debt (1.07b) to EBITDA (144.0m): 7.43 < 3 |
| Current Ratio: 0.01 > 1.5 & < 3 |
| Outstanding Shares: last quarter (83.9m) vs 12m ago -8.92% < -2% |
| Gross Margin: 53.43% > 18% (prev 0.57%; Δ 5.29k% > 0.5%) |
| Asset Turnover: 5.92% > 50% (prev 5.78%; Δ 0.14% > 0%) |
| Interest Coverage Ratio: 0.31 > 6 (EBITDA TTM 144.0m / Interest Expense TTM 357.6m) |
| A: -0.89 (Total Current Assets 185.7m - Total Current Liabilities 20.1b) / Total Assets 22.2b |
| B: 0.02 (Retained Earnings 505.0m / Total Assets 22.2b) |
| C: 0.01 (EBIT TTM 110.8m / Avg Total Assets 16.9b) |
| D: 0.02 (Book Value of Equity 474.5m / Total Liabilities 19.7b) |
| Altman-Z'' = -5.72 = D |
As of May 24, 2026, the stock is trading at USD 28.78 with a total of 533,937 shares traded.
Over the past week, the price has changed by +3.97%,
over one month by -6.90%,
over three months by -5.05% and
over the past year by +19.55%.
Beacon Financial has no consensus analysts rating.
P/E Forward = 8.6207
P/S = 3.7201
P/B = 0.9262
P/EG = 2.6048
Revenue TTM = 998.6m USD
EBIT TTM = 110.8m USD
EBITDA TTM = 144.0m USD
Long Term Debt = 1.07b USD (from longTermDebt, last quarter)
Short Term Debt = 544.4m USD (from shortTermDebt, last fiscal year)
Debt = 1.26b USD (from shortLongTermDebtTotal, last quarter) + Leases 92.8m
Net Debt = 1.07b USD (calculated: Debt 1.26b - CCE 185.7m)
Enterprise Value = 3.42b USD (2.35b + Debt 1.26b - CCE 185.7m)
Interest Coverage Ratio = 0.31 (Ebit TTM 110.8m / Interest Expense TTM 357.6m)
EV/FCF = 18.12x (Enterprise Value 3.42b / FCF TTM 189.0m)
FCF Yield = 5.52% (FCF TTM 189.0m / Enterprise Value 3.42b)
FCF Margin = 18.93% (FCF TTM 189.0m / Revenue TTM 998.6m)
Net Margin = 7.98% (Net Income TTM 79.7m / Revenue TTM 998.6m)
Gross Margin = 53.43% ((Revenue TTM 998.6m - Cost of Revenue TTM 465.1m) / Revenue TTM)
Gross Margin QoQ = 62.26% (prev 60.94%)
Tobins Q-Ratio = 0.15 (Enterprise Value 3.42b / Total Assets 22.2b)
Interest Expense / Debt = 28.48% (Interest Expense 357.6m / Debt 1.26b)
Taxrate = 29.92% (19.7m / 66.0m)
NOPAT = 77.6m (EBIT 110.8m * (1 - 29.92%))
Current Ratio = 0.01 (Total Current Assets 185.7m / Total Current Liabilities 20.1b)
Debt / Equity = 0.50 (Debt 1.26b / totalStockholderEquity, last quarter 2.50b)
Debt / EBITDA = 7.43 (Net Debt 1.07b / EBITDA 144.0m)
Debt / FCF = 5.66 (Net Debt 1.07b / FCF TTM 189.0m)
Total Stockholder Equity = 2.17b (last 4 quarters mean from totalStockholderEquity)
RoA = 0.47% (Net Income 79.7m / Total Assets 22.2b)
RoE = 3.68% (Net Income TTM 79.7m / Total Stockholder Equity 2.17b)
RoCE = 3.42% (EBIT 110.8m / Capital Employed (Equity 2.17b + L.T.Debt 1.07b))
RoIC = 2.93% (NOPAT 77.6m / Invested Capital 2.65b)
WACC = 12.30% (E(2.35b)/V(3.61b) * Re(8.22%) + D(1.26b)/V(3.61b) * Rd(28.48%) * (1-Tc(0.30)))
Discount Rate = 8.22% (= CAPM, Blume Beta Adj.)
Shares (quarterly) Correlation: -2.22 | Cagr: -0.94%
[DCF] Terminal Value 66.29% ; FCFF base≈153.9m ; Y1≈176.4m ; Y5≈259.6m
[DCF] Fair Price = 14.59 (EV 2.29b - Net Debt 1.07b = Equity 1.22b / Shares 83.8m; r=12.30% [WACC]; 5y FCF grow 15.0% → 2.50% )
EPS Correlation: 48.06 | EPS CAGR: 4.61% | SUE: -1.11 | # QB: -1
Revenue Correlation: 96.44 | Revenue CAGR: 11.88% | SUE: N/A | # QB: 0
EPS current Quarter (2026-06-30): EPS=0.77 | Chg30d=-14.49% | Revisions=-64% | Analysts=7
EPS next Quarter (2026-09-30): EPS=0.80 | Chg30d=-13.40% | Revisions=-64% | Analysts=7
EPS current Year (2026-12-31): EPS=3.10 | Chg30d=-13.98% | Revisions=-64% | GrowthEPS=+91.5% | GrowthRev=+61.2%
EPS next Year (2027-12-31): EPS=3.43 | Chg30d=-12.13% | Revisions=-64% | GrowthEPS=+10.4% | GrowthRev=+4.6%
[Analyst] Revisions Ratio: -64%