(BBT) Beacon Financial - Overview
Exchange: NYSE •
Country: United States •
Currency: USD •
Type: Common Stock •
ISIN: US0846801076
Stock: Deposits, Loans, Leasing, Wealth, Treasury
Total Rating 37
Risk 70
Buy Signal -0.46
EPS (Earnings per Share)
Revenue
Dividends
| Dividend Yield | 3.23% |
| Yield on Cost 5y | 6.64% |
| Yield CAGR 5y | 15.80% |
| Payout Consistency | 94.6% |
| Payout Ratio | 61.4% |
| Risk 5d forecast | |
|---|---|
| Volatility | 30.2% |
| Relative Tail Risk | -11.8% |
| Reward TTM | |
|---|---|
| Sharpe Ratio | 0.24 |
| Alpha | -4.65 |
| Character TTM | |
|---|---|
| Beta | 0.777 |
| Beta Downside | 0.910 |
| Drawdowns 3y | |
|---|---|
| Max DD | 38.73% |
| CAGR/Max DD | 0.11 |
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) 3.0
| Net Income: 25.5m TTM > 0 and > 6% of Revenue |
| FCF/TA: 0.00 > 0.02 and ΔFCF/TA -0.55 > 1.0 |
| NWC/Revenue: -2729 % < 20% (prev -1183 %; Δ -1546 % < -1%) |
| CFO/TA 0.00 > 3% & CFO 100.5m > Net Income 25.5m |
| Net Debt (-47.9m) to EBITDA (32.3m): -1.48 < 3 |
| Current Ratio: 0.09 > 1.5 & < 3 |
| Outstanding Shares: last quarter (46.0m) vs 12m ago 22.64% < -2% |
| Gross Margin: 41.70% > 18% (prev 0.61%; Δ 4109 % > 0.5%) |
| Asset Turnover: 3.66% > 50% (prev 5.41%; Δ -1.74% > 0%) |
| Interest Coverage Ratio: 0.06 > 6 (EBITDA TTM 32.3m / Interest Expense TTM 265.4m) |
Altman Z'' -4.87
| A: -0.76 (Total Current Assets 1.66b - Total Current Liabilities 18.90b) / Total Assets 22.82b |
| B: 0.02 (Retained Earnings 413.6m / Total Assets 22.82b) |
| C: 0.00 (EBIT TTM 16.1m / Avg Total Assets 17.25b) |
| D: 0.02 (Book Value of Equity 385.6m / Total Liabilities 20.41b) |
| Altman-Z'' Score: -4.87 = D |
What is the price of BBT shares?
As of February 07, 2026, the stock is trading at USD 31.57 with a total of 1,268,112 shares traded.
Over the past week, the price has changed by +11.36%, over one month by +17.14%, over three months by +21.85% and over the past year by +6.97%.
Over the past week, the price has changed by +11.36%, over one month by +17.14%, over three months by +21.85% and over the past year by +6.97%.
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 | 33.3 | 5.4% |
BBT Fundamental Data Overview January 31, 2026
P/E Trailing = 12.1172
P/E Forward = 10.2669
P/S = 6.179
P/B = 1.6812
Revenue TTM = 631.9m USD
EBIT TTM = 16.1m USD
EBITDA TTM = 32.3m 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 = 0.06 (Ebit TTM 16.1m / Interest Expense TTM 265.4m)
EV/FCF = 17.30x (Enterprise Value 1.65b / FCF TTM 95.2m)
FCF Yield = 5.78% (FCF TTM 95.2m / Enterprise Value 1.65b)
FCF Margin = 15.07% (FCF TTM 95.2m / Revenue TTM 631.9m)
Net Margin = 4.04% (Net Income TTM 25.5m / Revenue TTM 631.9m)
Gross Margin = 41.70% ((Revenue TTM 631.9m - Cost of Revenue TTM 368.4m) / Revenue TTM)
Gross Margin QoQ = -25.08% (prev 62.67%)
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 = 23.28% (18.5m / 79.5m)
NOPAT = 12.4m (EBIT 16.1m * (1 - 23.28%))
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 = -1.48 (Net Debt -47.9m / EBITDA 32.3m)
Debt / FCF = -0.50 (Net Debt -47.9m / FCF TTM 95.2m)
Total Stockholder Equity = 1.53b (last 4 quarters mean from totalStockholderEquity)
RoA = 0.15% (Net Income 25.5m / Total Assets 22.82b)
RoE = 1.66% (Net Income TTM 25.5m / Total Stockholder Equity 1.53b)
RoCE = 0.62% (EBIT 16.1m / Capital Employed (Equity 1.53b + L.T.Debt 1.08b))
RoIC = 0.45% (NOPAT 12.4m / Invested Capital 2.76b)
WACC = 7.60% (E(2.13b)/V(3.31b) * Re(8.78%) + D(1.17b)/V(3.31b) * Rd(7.12%) * (1-Tc(0.23)))
Discount Rate = 8.78% (= CAPM, Blume Beta Adj.)
Shares Correlation 3-Years: 100.0 | Cagr: 3.62%
[DCF Debug] Terminal Value 77.43% ; FCFF base≈102.5m ; Y1≈89.0m ; Y5≈71.0m
Fair Price DCF = 17.06 (EV 1.39b - Net Debt -47.9m = Equity 1.44b / Shares 84.3m; r=7.60% [WACC]; 5y FCF grow -16.10% → 2.90% )
EPS Correlation: 33.96 | EPS CAGR: 17.61% | SUE: 0.0 | # QB: 0
Revenue Correlation: 0.52 | Revenue CAGR: -1.96% | SUE: N/A | # QB: 0
P/E Forward = 10.2669
P/S = 6.179
P/B = 1.6812
Revenue TTM = 631.9m USD
EBIT TTM = 16.1m USD
EBITDA TTM = 32.3m 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 = 0.06 (Ebit TTM 16.1m / Interest Expense TTM 265.4m)
EV/FCF = 17.30x (Enterprise Value 1.65b / FCF TTM 95.2m)
FCF Yield = 5.78% (FCF TTM 95.2m / Enterprise Value 1.65b)
FCF Margin = 15.07% (FCF TTM 95.2m / Revenue TTM 631.9m)
Net Margin = 4.04% (Net Income TTM 25.5m / Revenue TTM 631.9m)
Gross Margin = 41.70% ((Revenue TTM 631.9m - Cost of Revenue TTM 368.4m) / Revenue TTM)
Gross Margin QoQ = -25.08% (prev 62.67%)
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 = 23.28% (18.5m / 79.5m)
NOPAT = 12.4m (EBIT 16.1m * (1 - 23.28%))
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 = -1.48 (Net Debt -47.9m / EBITDA 32.3m)
Debt / FCF = -0.50 (Net Debt -47.9m / FCF TTM 95.2m)
Total Stockholder Equity = 1.53b (last 4 quarters mean from totalStockholderEquity)
RoA = 0.15% (Net Income 25.5m / Total Assets 22.82b)
RoE = 1.66% (Net Income TTM 25.5m / Total Stockholder Equity 1.53b)
RoCE = 0.62% (EBIT 16.1m / Capital Employed (Equity 1.53b + L.T.Debt 1.08b))
RoIC = 0.45% (NOPAT 12.4m / Invested Capital 2.76b)
WACC = 7.60% (E(2.13b)/V(3.31b) * Re(8.78%) + D(1.17b)/V(3.31b) * Rd(7.12%) * (1-Tc(0.23)))
Discount Rate = 8.78% (= CAPM, Blume Beta Adj.)
Shares Correlation 3-Years: 100.0 | Cagr: 3.62%
[DCF Debug] Terminal Value 77.43% ; FCFF base≈102.5m ; Y1≈89.0m ; Y5≈71.0m
Fair Price DCF = 17.06 (EV 1.39b - Net Debt -47.9m = Equity 1.44b / Shares 84.3m; r=7.60% [WACC]; 5y FCF grow -16.10% → 2.90% )
EPS Correlation: 33.96 | EPS CAGR: 17.61% | SUE: 0.0 | # QB: 0
Revenue Correlation: 0.52 | Revenue CAGR: -1.96% | SUE: N/A | # QB: 0