Overview Dividends

(BBT) Beacon Financial - Ratings and Ratios

Exchange: NYSE • Country: United States • Currency: USD • Type: Common Stock • ISIN: (N/A)

Deposits, Loans, Leasing, Wealth, Treasury

Diversified Banks
Market Cap in USD: 2,134m

IPO / Inception: 2000-06-28
Return 12m vs S&P 500: -18.6%

EPS (Earnings per Share)

EPS CAGR: 1.25%
EPS Trend: 29.9%

Last SUE: -4.00
Qual. Beats: 0

Revenue

Rev. CAGR: 31.44%
Rev. Trend: 69.2%

Qual. Beats: 0

Dividends

Dividend Yield	3.27%
Yield on Cost 5y	5.84%
Yield CAGR 5y	15.80%
Payout Consistency	94.6%
Payout Ratio	61.4%

Risk via 5d forecast
Volatility	30.3%
Value at Risk 5%th	43.9%
Relative Tail Risk	-11.84%

Reward TTM
Sharpe Ratio	-0.14
Alpha	-17.12
CAGR/Max DD	-0.03

Character TTM
Hurst Exponent	0.468
Beta	0.779
Beta Downside	0.904

Drawdowns 3y
Max DD	39.75%
Mean DD	19.47%
Median DD	19.43%

Description: BBT Beacon Financial December 21, 2025

Beacon Financial Corporation (NYSE: BBT) is a Boston-based bank holding company that operates Beacon Bank & Trust, offering a full suite of deposit, commercial, asset-based, consumer, residential, equipment-finance, SBA, private-wealth, cash-management, and digital banking services across New England and New York, while also engaging in securities investment activities.

As of the most recent quarter, the bank reported total assets of roughly $10.5 billion and a net interest margin of about 3.1%, with a loan-to-deposit ratio near 73%, indicating a relatively conservative balance-sheet posture for a regional lender. Its earnings are highly sensitive to the Federal Reserve’s interest-rate policy, which drives net interest income, and to regional commercial-real-estate trends that influence credit-risk exposure.

For a deeper quantitative dive, you might explore ValueRay’s analytics platform to benchmark BBT against its peers.

Piotroski VR‑10 (Strict, 0-10) 2.5

Net Income (8.42m TTM) > 0 and > 6% of Revenue (6% = 42.8m TTM)

FCFTA 0.00 (>2.0%) and ΔFCFTA -0.53pp (YES ≥ +1.0pp, WARN ≥ +0.5pp)

NWC/Revenue -2419 % (prev -1183 %; Δ -1236 pp) (YES ≤20% & Δ≤-1pp; WARN ≤25% & Δ≤0 oder ≤40% & Δ≤-3pp)

CFO/TA 0.00 (>3.0%) and CFO 108.1m > Net Income 8.42m (YES >=105%, WARN >=100%)

Net Debt (-47.9m) to EBITDA (23.2m) ratio: -2.07 <= 3.0 (WARN <= 3.5)

Current Ratio 0.09 (target 1.5–3.0; WARN 1.2–<1.5 or >3.0–5.0; CFO/TA gate active)

Outstanding Shares last Quarter (36.9m) change vs 12m ago -1.66% (target <= -2.0% for YES)

Gross Margin 44.63% (prev 61.40%; Δ -16.77pp) >=18% & Δ>=+0.5pp (WARN >=15% & Δ>=0)

Asset Turnover 4.13% (prev 5.41%; Δ -1.27pp) >=50% & Δ>=+2pp (WARN >=35% & Δ>=0)

Interest Coverage Ratio 0.02 (EBITDA TTM 23.2m / Interest Expense TTM 290.0m) >= 6 (WARN >= 3)

Altman Z'' -4.88

(A) -0.76 = (Total Current Assets 1.66b - Total Current Liabilities 18.90b) / Total Assets 22.82b

(B) 0.02 = Retained Earnings (Balance) 413.6m / Total Assets 22.82b

(D) 0.02 = Book Value of Equity 385.6m / Total Liabilities 20.41b

Total Rating: -4.88 = (6.56 * A) + (3.26 * B) + (6.72 * C) + (1.05 * D)

ValueRay F-Score (Strict, 0-100) 56.54

1. Piotroski 2.50pt

2. FCF Yield 6.11%

3. FCF Margin 14.11%

4. Debt/Equity 0.49

5. Debt/Ebitda -2.07

6. ROIC - WACC (= -7.33)%

7. RoE 0.55%

8. Rev. Trend 69.21%

9. EPS Trend 29.88%

What is the price of BBT shares?

As of January 02, 2026, the stock is trading at USD 26.37 with a total of 524,888 shares traded.
Over the past week, the price has changed by -2.51%, over one month by +1.89%, over three months by +12.60% and over the past year by -4.21%.

Is BBT a buy, sell or hold?

Beacon Financial has no consensus analysts rating.

What are the forecasts/targets for the BBT price?

Issuer	Target	Up/Down from current
Wallstreet Target Price	-	-
Analysts Target Price	-	-
ValueRay Target Price	27.3	3.3%

BBT Fundamental Data Overview December 27, 2025

Market Cap USD = 2.13b (2.13b USD * 1.0 USD.USD)
P/E Trailing = 12.1172
P/E Forward = 10.2669
P/S = 6.179
P/B = 1.6812
Beta = 0.916
Revenue TTM = 712.7m USD
EBIT TTM = 7.02m USD
EBITDA TTM = 23.2m USD
Long Term Debt = 1.08b USD (from longTermDebt, last quarter)
Short Term Debt = 1.36b USD (from shortTermDebt, last fiscal year)
Debt = 1.17b USD (from shortLongTermDebtTotal, last quarter)
Net Debt = -47.9m USD (from netDebt column, last quarter)
Enterprise Value = 1.65b USD (2.13b + Debt 1.17b - CCE 1.66b)
Interest Coverage Ratio = 0.02 (Ebit TTM 7.02m / Interest Expense TTM 290.0m)
FCF Yield = 6.11% (FCF TTM 100.6m / Enterprise Value 1.65b)
FCF Margin = 14.11% (FCF TTM 100.6m / Revenue TTM 712.7m)
Net Margin = 1.18% (Net Income TTM 8.42m / Revenue TTM 712.7m)
Gross Margin = 44.63% ((Revenue TTM 712.7m - Cost of Revenue TTM 394.6m) / Revenue TTM)
Gross Margin QoQ = 25.13% (prev 54.77%)
Tobins Q-Ratio = 0.07 (Enterprise Value 1.65b / Total Assets 22.82b)
Interest Expense / Debt = 7.12% (Interest Expense 83.6m / Debt 1.17b)
Taxrate = 30.10% (-21.6m / -71.9m)
NOPAT = 4.91m (EBIT 7.02m * (1 - 30.10%))
Current Ratio = 0.09 (Total Current Assets 1.66b / Total Current Liabilities 18.90b)
Debt / Equity = 0.49 (Debt 1.17b / totalStockholderEquity, last quarter 2.41b)
Debt / EBITDA = -2.07 (Net Debt -47.9m / EBITDA 23.2m)
Debt / FCF = -0.48 (Net Debt -47.9m / FCF TTM 100.6m)
Total Stockholder Equity = 1.53b (last 4 quarters mean from totalStockholderEquity)
RoA = 0.04% (Net Income 8.42m / Total Assets 22.82b)
RoE = 0.55% (Net Income TTM 8.42m / Total Stockholder Equity 1.53b)
RoCE = 0.27% (EBIT 7.02m / Capital Employed (Equity 1.53b + L.T.Debt 1.08b))
RoIC = 0.18% (NOPAT 4.91m / Invested Capital 2.76b)
WACC = 7.50% (E(2.13b)/V(3.31b) * Re(8.89%) + D(1.17b)/V(3.31b) * Rd(7.12%) * (1-Tc(0.30)))
Discount Rate = 8.89% (= CAPM, Blume Beta Adj.)
Shares Correlation 3-Years: -100.0 | Cagr: -7.22%
[DCF Debug] Terminal Value 73.62% ; FCFE base≈105.7m ; Y1≈96.1m ; Y5≈84.3m
Fair Price DCF = 15.51 (DCF Value 1.31b / Shares Outstanding 84.3m; 5y FCF grow -11.35% → 3.0% )
EPS Correlation: 29.88 | EPS CAGR: 1.25% | SUE: -4.0 | # QB: 0
Revenue Correlation: 69.21 | Revenue CAGR: 31.44% | SUE: N/A | # QB: 0

Additional Sources for BBT Stock

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