BBT Stock Analysis: Beacon Financial | NYSE
Banks - Regional | NYSE, USA | Market Cap: 2.325m USD | 12M Return: 21.6% | US0846801076 | Charts, Fundamentals & Technical Analysis
Avg Turnover: 33.2M
EPS Trend: 79.0%
Qual. Beats: 0
Rev. Trend: 96.4%
Warnings
Tailwinds
No distinct edge detected
Seasonality 11.7 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 Beacon Bank & Trust, offering a broad range of banking and financial services across the United States and internationally. Founded in 1846 and headquartered in Boston, Massachusetts, 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. Its activities also include investing in debt and equity securities, specialty equipment financing, SBA (Small Business Administration) lending, and providing cash management, trust, investment advisory, and wealth management services to individuals, families, endowments, and foundations. The company supports its offerings through online and mobile banking platforms.
As a diversified bank within the Financials sector, Beacon Financial combines traditional commercial and retail banking with capital markets activities and wealth management, generating revenue from net interest income, fees, and investment-related services. SBA lending, a notable component of its business, involves government-guaranteed loans to small businesses, which typically carry lower credit risk for lenders.
- Net interest margin compresses as Fed cuts rates
- Commercial loan and lease portfolio growth drives earnings
- Wealth management AUM growth lifts fee revenue
| Net Income: 113.8m TTM > 0 and > 6% of Revenue |
| FCF/TA: 0.01 > 0.02 and ΔFCF/TA 0.04 > 1.0 |
| NWC/Revenue: -1.73k% < 20% (prev -1.28k%; Δ -446.9% < -1%) |
| CFO/TA 0.01 > 3% & CFO 233.1m > Net Income 113.8m |
| Net Debt (829.8m) to EBITDA (197.7m): 4.20 < 3 |
| Current Ratio: 0.01 > 1.5 & < 3 |
| Outstanding Shares: last quarter (83.9m) vs 12m ago -8.78% < -2% |
| Gross Margin: 55.85% > 18% (prev 57.86%; Δ -2.02% > 0.5%) |
| Asset Turnover: 6.79% > 50% (prev 5.71%; Δ 1.08% > 0%) |
| Interest Coverage Ratio: 0.39 > 6 (EBIT TTM 156.3m / Interest Expense TTM 398.4m) |
| A: -0.89 (Total Current Assets 240.7m - Total Current Liabilities 20.1b) / Total Assets 22.3b |
| B: 0.02 (Retained Earnings 542.3m / Total Assets 22.3b) |
| C: 0.01 (EBIT TTM 156.3m / Avg Total Assets 16.9b) |
| D: 0.13 (Book Value of Equity 2.54b / Total Liabilities 19.7b) |
| Altman-Z'' = -5.57 = D |
As of October 06, 2026, the stock is trading at USD 28.13 with a total of 679,676 shares traded. Over the past week, the price has changed by +1.15%, over one month by -10.53%, over three months by -6.04% and over the past year by +21.62%.
Current recommended Stop Loss: 27.20 (which is 3.3% or 1.4 ATR below the current price).
Beacon Financial has no consensus analysts rating.
P/E Trailing = 9.0358
P/E Forward = 8.2102
P/S = 3.0613
P/B = 0.9211
P/EG = 2.6048
Revenue TTM = 1.15b USD
EBIT TTM = 156.3m USD
EBITDA TTM = 197.7m USD
Long Term Debt = 888.6m USD (from longTermDebt, last quarter)
Short Term Debt = 544.4m USD (from shortTermDebt, last fiscal year)
Debt = 1.07b USD (from shortLongTermDebtTotal, last quarter) + Leases 90.9m
Net Debt = 829.8m USD (calculated: Debt 1.07b - CCE 240.7m)
Enterprise Value = 3.15b USD (2.33b + Debt 1.07b - CCE 240.7m)
Interest Coverage Ratio = 0.39 (Ebit TTM 156.3m / Interest Expense TTM 398.4m)
EV/FCF = 14.61x (Enterprise Value 3.15b / FCF TTM 216.0m)
FCF Yield = 6.85% (FCF TTM 216.0m / Enterprise Value 3.15b)
FCF Margin = 18.82% (FCF TTM 216.0m / Revenue TTM 1.15b)
Net Margin = 9.91% (Net Income TTM 113.8m / Revenue TTM 1.15b)
Gross Margin = 55.85% ((Revenue TTM 1.15b - Cost of Revenue TTM 506.9m) / Revenue TTM)
Gross Margin QoQ = 67.04% (prev 62.26%)
Tobins Q-Ratio = 0.14 (Enterprise Value 3.15b / Total Assets 22.3b)
Interest Expense / Debt = 37.22% (Interest Expense 398.4m / Debt 1.07b)
Taxrate = 27.20% (42.5m / 156.3m)
NOPAT = 113.8m (EBIT 156.3m * (1 - 27.20%))
Current Ratio = 0.01 (Total Current Assets 240.7m / Total Current Liabilities 20.1b)
Debt / Equity = 0.42 (Debt 1.07b / totalStockholderEquity, last quarter 2.54b)
Debt / EBITDA = 4.20 (Net Debt 829.8m / EBITDA 197.7m)
Debt / FCF = 3.84 (Net Debt 829.8m / FCF TTM 216.0m)
Total Stockholder Equity = 2.49b (last 4 quarters mean from totalStockholderEquity)
RoA = 0.67% (Net Income 113.8m / Total Assets 22.3b)
RoE = 4.57% (Net Income TTM 113.8m / Total Stockholder Equity 2.49b)
RoCE = 4.63% (EBIT 156.3m / Capital Employed (Equity 2.49b + L.T.Debt 888.6m))
RoIC = 4.25% (NOPAT 113.8m / Invested Capital 2.68b)
WACC = 13.84% (E(2.33b)/V(3.40b) * Re(7.74%) + D(1.07b)/V(3.40b) * Rd(37.22%) * (1-Tc(0.27)))
Discount Rate = 7.74% (= CAPM, Blume Beta Adj.)
Shares (quarterly) Correlation: -15.13 | Cagr: -0.84%
[DCF] Terminal Value 62.30% ; FCFF base≈172.5m ; Y1≈197.7m ; Y5≈291.0m
[DCF] Fair Price = 16.44 (EV 2.21b - Net Debt 829.8m = Equity 1.38b / Shares 83.8m; r=13.84% [WACC]; 5y FCF grow 15.0% → 2.50% )
EPS Correlation: 79.03 | EPS CAGR: 8.84% | SUE: 0.0 | # QB: 0
Revenue Correlation: 96.44 | Revenue CAGR: 11.88% | SUE: N/A | # QB: 0
EPS current Quarter (2026-09-30): EPS=0.78 | Chg30d=-0.19% | Revisions=-22% | Analysts=7
EPS current Year (2026-12-31): EPS=3.04 | Chg30d=-0.05% | Revisions=-30% | GrowthEPS=+87.7% | GrowthRev=+60.2%
EPS next Year (2027-12-31): EPS=3.32 | Chg30d=-0.04% | Revisions=-50% | GrowthEPS=+9.2% | GrowthRev=+4.3%
[Analyst] Revisions Ratio: -43% (up=5, down=15)