BBT Stock Analysis: Beacon Financial | NYSE
Banks - Regional | NYSE, USA | Market Cap: 2.535m USD | 12M Return: 19.8% | Charts, Fundamentals & Technical Analysis
Avg Turnover: 25.2M
EPS Trend: 48.1%
Qual. Beats: -1
Rev. Trend: 96.4%
Warnings
No concerns identified
Tailwinds
No distinct edge detected
Seasonality 10.5 years of data
How good or bad each month usually is (without trend). The score below shows how much you can trust it: 0 = pure chance, >40 gets interesting and >55 is strong.
Beacon Financial Corporation (NYSE: BBT) is a bank holding company that operates through Beacon Bank & Trust, providing a diversified range of banking services across the United States and internationally. The company accepts commercial, municipal, and retail deposits and originates mortgage loans on commercial and residential real estate, as well as commercial loans and leases. It also invests in debt and equity securities. As a diversified bank under the GICS classification, Beacon spans multiple business segments, including traditional lending, treasury operations, and capital markets activities.
Beyond core banking, Beacon offers cash management, trust, and investment advisory services, alongside specialty equipment financing, SBA (Small Business Administration) guaranteed lending, and digital banking platforms. Its wealth management division serves individuals, families, endowments, and foundations. Founded in 1846 and headquartered in Boston, Massachusetts, Beacon is among the longer-established U.S. bank holding companies, operating as a mid-cap financial services issuer.
- Net interest income rises on commercial loan growth
- CRE loan losses pressure credit provisions
- Wealth management fees grow on rising AUM
| 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): 7.45 < 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 56.89%; Δ -3.46% > 0.5%) |
| Asset Turnover: 5.92% > 50% (prev 5.78%; Δ 0.14% > 0%) |
| Interest Coverage Ratio: 0.31 > 6 (EBIT TTM 110.8m / 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: 0.13 (Book Value of Equity 2.50b / Total Liabilities 19.7b) |
| Altman-Z'' = -5.61 = D |
As of July 08, 2026, the stock is trading at USD 30.23 with a total of 753,059 shares traded. Over the past week, the price has changed by -2.20%, over one month by +3.74%, over three months by -0.14% and over the past year by +19.84%.
Current recommended Stop Loss: 28.70 (which is 5.1% or 2.3 ATR below the current price).
Beacon Financial has no consensus analysts rating.
P/E Trailing = 28.0
P/E Forward = 9.4162
P/S = 4.0049
P/B = 1.0112
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 = 14.4m USD (from shortTermDebt, last quarter)
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 = 3.61b USD (2.53b + Debt 1.26b - CCE 185.7m)
Interest Coverage Ratio = 0.31 (Ebit TTM 110.8m / Interest Expense TTM 357.6m)
EV/FCF = 19.08x (Enterprise Value 3.61b / FCF TTM 189.0m)
FCF Yield = 5.24% (FCF TTM 189.0m / Enterprise Value 3.61b)
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 = 0.16 (Enterprise Value 3.61b / Total Assets 22.2b)
Interest Expense / Debt = 28.42% (Interest Expense 357.6m / Debt 1.26b)
Taxrate = 28.06% (31.1m / 110.8m)
NOPAT = 79.7m (EBIT 110.8m * (1 - 28.06%))
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 = 7.45 (Net Debt 1.07b / EBITDA 144.0m)
Debt / FCF = 5.67 (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 = 0.36% (NOPAT 79.7m / Invested Capital 22.2b)
WACC = 12.04% (E(2.53b)/V(3.79b) * Re(7.87%) + D(1.26b)/V(3.79b) * Rd(28.42%) * (1-Tc(0.28)))
Discount Rate = 7.87% (= CAPM, Blume Beta Adj.)
Shares (quarterly) Correlation: -2.22 | Cagr: -0.94%
[DCF] Terminal Value 66.99% ; FCFF base≈153.9m ; Y1≈176.4m ; Y5≈259.6m
[DCF] Fair Price = 15.33 (EV 2.36b - Net Debt 1.07b = Equity 1.29b / Shares 83.8m; r=12.04% [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=+0.00% | Revisions=-70% | Analysts=7
EPS next Quarter (2026-09-30): EPS=0.80 | Chg30d=+0.00% | Revisions=-70% | Analysts=7
EPS current Year (2026-12-31): EPS=3.10 | Chg30d=+0.00% | Revisions=-70% | GrowthEPS=+91.5% | GrowthRev=+61.2%
EPS next Year (2027-12-31): EPS=3.43 | Chg30d=+0.00% | Revisions=-70% | GrowthEPS=+10.4% | GrowthRev=+4.6%
[Analyst] Revisions Ratio: -90% (up=0, down=28)