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BBT — NYSE Banks

Beacon Financial Corp

$30,63

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Mcap

2,6B USD

P/E

28,5x

EV / Rev

48,7x

Div yield

2,38 %

Op margin

—

ROE

3,6 %

Net margin

301,4 %

Debt / equity

—

Beta

—

52w range

—

Volume

—

Day range

—

Prev close

$30,63

Open

—

Next earnings

2026-10-28

Ex-dividend

—

TR 1Y

—

About

Beacon Financial Corp operates as a commercial bank holding company, generating revenue through interest income from commercial real estate and consumer loans, as well as fees from wealth and trust services in New England and New York.

Business. Beacon Financial Corp (NYSE: BBT) is a bank operating within the Financials sector. The company generates revenue primarily through interest income, consistent with standard banking industry models. Specific details regarding its operating segments and geographic presence are not provided in the available data.

Classification99 %

SectorFinancials

Industry groupBanks

Generated · model-assisted

Sell-side consensus

—consensus pending

— buy— hold— sell

Avg 12m price target—

Upcoming events

EarningsQ3 2026 earnings (expected)2026-10-28 · estimated

See all catalysts →

At a glance

Score

—

not yet scored

Valuation→

28,5x

P/E

Analysts

—

not yet wired

Ownership→

Dimensional Fund Advisors, L.P.

largest disclosed fund holder

Profitability→

3,6 %

return on equity

Quality

—

not yet scored

What drives this business

The watch-list the newsroom runs for this company — derived from its sector path, sharpened layer by layer. Not investment advice.

— missing data

News & coverage

No recent newsroom coverage mentioning BBT.

Sector rotation

Sector1D1Mvs mkt

Materials+2,3 %+6,6 %+1,6 %

Communication Services+2,2 %−5,5 %+1,6 %

Health Care+0,6 %−0,8 %−0,0 %

Energy+0,6 %+3,3 %−0,0 %

Consumer Discretionary+0,4 %+7,6 %−0,2 %

Information Technology+0,3 %+7,9 %−0,4 %

Financials · THIS SECTOR−0,2 %−2,9 %−0,8 %

Consumer Staples−0,5 %+2,5 %−1,1 %

Real Estate−0,7 %+10,9 %−1,3 %

Industrials−1,8 %−1,6 %−2,4 %

Utilities−1,9 %+28,2 %−2,5 %

Developing storylines

No tracked sagas currently linked to BBT. Browse all sagas →

Analysis

AI analysis

Generated · analysis pipeline · tier hybrid · as of 2026-07-31 ↑ At a glance

Opportunity

— missing data

Upcoming catalysts

Scheduled public events. Informational only — not investment advice.

Company
EarningsQ3 2026 earnings (expected)2026-10-28 · estimated
Peers
DividendDividend USD 1.75/sh2026-09-25 · Bank of America (BAC)
EarningsQ3 2026 earnings (expected)2026-10-13 · estimated · JPMorgan Chase (JPM)
EarningsQ3 2026 earnings (expected)2026-10-13 · estimated · Citigroup (C)
Macro
Rate decisionBank of England rate decision (press conf.)2026-08-06 · GB
Rate decisionReserve Bank of Australia rate decision (press conf.)2026-08-12 · AU
Rate decisionNorges Bank rate decision (press conf.)2026-08-20 · NO
Rate decisionSveriges Riksbank rate decision (press conf.)2026-09-03 · SE
Rate decisionBank of Canada rate decision (press conf.)2026-09-09 · CA
Rate decisionEuropean Central Bank rate decision (press conf.)2026-09-10 · EU
Macro & political
ElectionSE Swedish Election2026-09-14 · SE
ElectionUS U.S. Midterms2026-11-03 · US
ElectionFR French Legislative2027-06-01 · FR
Congressional trades
CongressLisa McClain — Beacon Financial Corporation2025-09-25 · Republican · MI · Sale · $1,001 - $15,000
CongressRichard W. Allen — BB&T Corporation2019-06-19 · Republican · GA · Sale · $15,001 - $50,000
CongressRichard W. Allen — BB&T Corporation2018-04-27 · Republican · GA · Sale · $15,001 - $50,000
CongressRichard W. Allen — BB&T Corporation2017-03-23 · Republican · GA · Sale · $1,001 - $15,000
CongressRichard W. Allen — BB&T Corporation2017-03-23 · Republican · GA · Sale · $15,001 - $50,000

Pre-earnings brief

— missing data

Signals & dispatch

peak dispatch · —

Composite-score breakdown

Synthesis

Business

Beacon Financial Corp (NYSE: BBT) is a bank operating within the Financials sector. The company generates revenue primarily through interest income, consistent with standard banking industry models. Specific details regarding its operating segments and geographic presence are not provided in the available data.

Classification99 %

SectorFinancials

Industry groupBanks

AI synthesis

GENERATED

Beacon Financial Corp maintains a capital structure defined by total assets of $22.2 billion and total equity of $2.5 billion, resulting in a price-to-book ratio of 1.31. The balance sheet shows cash and equivalents of $1.1 billion against total liabilities of $19.7 billion. Operating cash flow for the latest period is negative at -$13.8 million, driven by a net decrease in cash and equivalents of $928.8 million. The debt-to-equity ratio is reported as 0.0, reflecting the regulatory classification of deposits as liabilities rather than interest-bearing debt in this snapshot.

Profitability metrics indicate a return on equity of 3.6% and a return on assets of 0.41% for the period. The price-to-earnings ratio stands at 28.47, suggesting the market prices the stock at a premium relative to its current earnings yield. Net income for the quarter is $46.2 million. Without cohort median data provided in the input, these returns are assessed in isolation, though the low ROA is typical for regional banks in a high-interest-rate environment.

Key takeaways

Beacon Financial Corp trades at a P/E of 28.47 and P/B of 1.31, with analyst targets suggesting ~10% upside.
Total loans and leases declined to $17.9 billion, with commercial real estate comprising 55% of the loan book.
Operating cash flow is negative at -$13.8 million, driven by a $928.8 million reduction in cash and equivalents.
Medium dilution risk is flagged due to stock option plans, though shares outstanding remain relatively stable.
Deposit base contracted by $1.2 billion, with brokered deposits falling significantly, reducing funding cost pressure.

Bull / Bear case

Generated · model-assisted

BULL CASE · 5

Beacon Financial Corp reports a net margin of 3.01%, ranking as best-in-class among 871 bank peers.

The company maintains a zero debt-to-equity ratio, significantly below the 0.27 median for its banking cohort.

Cash conversion stands at 2.49, placing Beacon Financial Corp in the top quartile of its peer group.

The stock trades at 1.31 times tangible book value, offering a modest premium to its underlying equity.

Liquidity risk is assessed as low, suggesting stable short-term financial health for the institution.

BEAR CASE · 3

Return on equity of 3.6% falls below the 6.54% median, indicating weaker profitability than most bank peers.

Return on assets of 0.41% is exceptionally low, suggesting inefficient utilization of the company's total asset base.

Medium dilution risk exists, potentially eroding shareholder value through future equity issuances or option exercises.

In focus — financials by report

Quarterly

Annual

QUARTERLYFiled 2026-03-31

Q4 2025 · Quarter highlights

Revenue—

Operating income—

Net income$46.2M

Free cash flow—

EPS—

Operating cash flow-$13.8M

Financials

Income statement

Revenue—

Gross profit—

Operating income—

Net income$46.2M

Balance sheet

Total assets$22.23B

Total liabilities$19.72B

Total equity$2.50B

Cash & equivalents$1.11B

Long-term debt—

Cash flow

Operating cash flow-$13.8M

CapEx—

Free cash flow—

SBC$1.0M

Valuation FY

Market price

$30,63

Market cap

$2.57B

Enterprise valueⓘ

$1.46B

P/Eⓘ

28.5x

Non-GAAP P/Eⓘ

—

EV / Revenueⓘ

48.7x

EV / Op incomeⓘ

—

EV / OCFⓘ

6.5x

P / Bⓘ

1.3x

P / Tangible bookⓘ

1.3x

Tangible book

$1.97B

Net cashⓘ

$1.11B

Current ratioⓘ

—

Debt / equityⓘ

—

ROAⓘ

0.4%

ROEⓘ

3.6%

Cash conversionⓘ

249.0%

CapEx / revenueⓘ

41.0%

SBC / revenueⓘ

11.7%

Dilution ratioⓘ

-0.2%

Revenue by segment

Business relationships

Business relationships37 disclosed relationships · 1 type · extracted from filings & disclosures

Subsidiaries37

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Supply chain

— missing data

Peer comparison

— missing data

Market position

Stress test

— missing data

Predictor forecast

Options

— missing data

Short squeeze

— missing data

Earnings-call key lines

— missing data

Consensus distribution

sell-side coverage

Recommendation distribution7 analysts

Strong buy0

Buy4

Hold3

Sell0

Strong sell0

12-month price target$33,67 · Median $33,00

Low $31,00High $39,00

Operating income · consensus404,6M USD

EPS surprise

−51,8 %

reported vs consensus · miss

Revenue surprise

−36,7 %

reported vs consensus · miss

Estimate revisions

consensus EPS · 26-week trend

— missing data

Sell-side observations

Low$31,00

Mean$33,67

Median$33,00

High$39,00

Spot$30,63

+9.9 %implied to mean12-month sell-side price targets · ▲ spot

Themes

— missing data

ESG

— missing data

Risk factors

Dilution riskMedium

Liquidity riskLow

Filing-based flags

Source documents mention dilution or offering risk.

Benchmarks vs cohort

Net Margin301,4 %Best in class

ROE3,6 %Below median

Capex / Rev41,0 %Best in class

D/E0,00Above median

Cash Conv2,49Above P75

Corporate actions / M&A

— missing data

FX exposure

— missing data

Comparable transactions

— missing data

Derivatives & instruments

— missing data

Actions

Set alert Open in charts

Ask Handelsavisen

— missing data

Data sources

Market data
Regulatory filings
Issuer disclosures
Public news
Earnings transcripts
Consensus estimates
ESG data
Reference data

How metrics are computed

Cash Conversion Ratio
operating_cash_flow / net_income
Market Price
input from market-data provider (delayed close or quote-shim mid)
Ev To Revenue
enterprise_value / revenue
Net Cash
cash_and_equivalents + short_term_investments - short_term_debt - long_term_debt
Return On Equity
net_income / total_equity
Market Cap
market_price * shares_outstanding_diluted

Source documents

Beacon Financial Corp company facts · 2026-07-31
Beacon Financial Corp 10-Q 2026-05-11 · 2026-07-31
Beacon Financial Corp 10-K 2026-03-02 · 2026-07-31
Beacon Financial Corp 10-Q 2025-11-10 · 2026-07-31
Beacon Financial Corp 10-Q 2025-08-11 · 2026-07-31
allocator_boost (allocator) on BBT · 2026-07-31
Beacon Financial Corp Market data — analyst estimates · 2026-07-31
Beacon Financial Corp Market data — ESG · 2026-07-31

Ownership & reference

Top holders

Dimensional Fund Advisors, L.P.Investment Managers · as of 2026-03-310,03 %$145M
American Century Investment Management, Inc.Investment Managers · as of 2026-03-310,01 %$24M
MASSACHUSETTS FINANCIAL SERVICES CO /MA/Institutional Investor · as of 2026-03-310,01 %$36M
Principal Global Investors (Equity)Investment Managers · as of 2026-03-310,01 %$12M
Goldman Sachs Asset Management, L.P.Investment Managers · as of 2026-03-310,01 %$43M
Nuveen LLCInvestment Managers · as of 2024-12-310,01 %$19M
Charles Schwab Investment Management, Inc.Investment Managers · as of 2026-03-310,00 %$33M
State Street Investment Management (US)Investment Managers · as of 2026-03-310,00 %$143M
Geode Capital Management, L.L.C.Investment Managers · as of 2026-03-310,00 %$61M
Vanguard Capital Management, LLCInvestment Managers · as of 2025-12-310,00 %$253M
AQR Capital Management, LLCInvestment Managers · as of 2026-03-310,00 %$8M
Northern Trust Investments, Inc.Investment Managers · as of 2026-03-310,00 %$25M
BlackRock Institutional Trust Company, N.A.Investment Managers · as of 2024-06-300,00 %$142M
Bank of New York Mellon CorpInstitutional Investor · as of 2026-03-310,00 %$16M
Arrowstreet Capital, Limited PartnershipInvestment Managers · as of 2026-03-310,00 %$5M
Morgan Stanley Smith Barney LLCInvestment Managers · as of 2026-03-310,00 %$40M
UBS Financial Services, Inc.Investment Managers · as of 2026-03-310,00 %$13M
Invesco QQQ TrustFunds · as of 2026-03-310,00 %$13M
AllianceBernstein L.P.Investment Managers · as of 2026-03-310,00 %$6M
LPL Financial LLCInvestment Managers · as of 2026-03-310,00 %$6M
AMERIPRISE FINANCIAL INCInstitutional Investor · as of 2026-03-310,00 %$7M
First Trust Advisors L.P.Investment Managers · as of 2026-03-310,00 %$1M
EATON VANCE MANAGEMENTInstitutional Investor · as of 2022-09-300,00 %$0M
Raymond James & Associates, Inc.Brokerage Firms · as of 2026-03-310,00 %$2M
JANUS HENDERSON GROUP PLCInstitutional Investor · as of 2026-03-310,00 %$1M
T. Rowe Price Associates, Inc.Investment Managers · as of 2026-03-310,00 %$0M
Victory Capital Management Inc.Investment Managers · as of 2026-03-310,00 %$0M
PNC Investments LLCInvestment Managers · as of 2026-03-310,00 %$0M
Wells Fargo AdvisorsBrokerage Firms · as of 2026-03-310,00 %$1M
FMR LLCInstitutional Investor · as of 2026-03-310,00 %$1M
JONES FINANCIAL COMPANIES LLLPInstitutional Investor · as of 2026-03-310,00 %$0M

Insider activity

Net selling0 buys · 1 sellsnet -$538K21 insiders · last 365d

PERRAULT PAUL ADirector, President and CEO · Common StockOther 18 174 · 2026-06-16
McCurdy Michael W.Chief Banking Officer · Common StockOther 5 167 · 2026-06-16
Meiklejohn Mark J.Chief Credit Officer · Common StockOther 4 420 · 2026-06-16
Levante Gary R.Chief Marketing Officer · Common StockOther 2 164 · 2026-06-16
Rosengren Eric SDirector · Common StockOther 2 509 · 2026-06-16
Pereira John M.Director · Common StockOther 2 509 · 2026-06-16
Chang Joanne B.Director · Common StockOther 2 509 · 2026-06-16
Polito KarynDirector · Common StockOther 2 509 · 2026-06-16
Fitzgerald Margaret BolesDirector · Common StockOther 2 509 · 2026-06-16
Callahan Mary AnneDirector · Common StockOther 2 509 · 2026-06-16
SHERMAN MERRILL WDirector · Common StockOther 2 509 · 2026-06-16
Desai Mihir A.Director · Common StockOther 2 509 · 2026-06-16
Charnley Nina ADirector · Common StockOther 2 509 · 2026-06-16
Maxfield SylviaDirector · Common StockOther 2 509 · 2026-06-16
Hill Willard I JRDirector · Common StockOther 2 509 · 2026-06-16
Hughes William H IIIDirector · Common StockOther 2 509 · 2026-06-16
Chang Joanne B.Director · Common StockOther 2 509 · 2026-06-16
Gray SeanChief Operations Officer · Common StockOther 5 167 · 2026-06-16
Hollister Thomas JDirector · Common StockOther 2 509 · 2026-06-16
NOWAK BOGDANDirector · Common StockOther 2 509 · 2026-06-16
Carlson Carl MCFO & Chief Strategy Officer · Common StockOther 5 167 · 2026-06-16
Brunelle DavidDirector · Common StockOther 2 509 · 2026-06-16
McCurdy Michael W.Chief Banking Officer · Common StockSold 17 333 @ $31,04$538K · 2026-02-26

Short positioning

3.8Mshares short-0.9% vs prior

5.73days to cover

69.3%short of daily vol

1.2Kfails-to-deliver

as of 2026-07-15 · short-interest report (free)

Geographic breakdown

— missing data

Listings · one canonical issuer all listings resolve to the canonical

BBTCanonical

NYSE · USD

Intel & risk

peak dispatch · —

OSINT findings

Dilution riskMedium

Liquidity riskLow

Source documents mention dilution or offering risk.

Relationship graph

This companyPeerSectorSubsidiaries

Evidence & claims

From filings & derived data

Return on equity (FY 2025-12-31): 3.6%Derived (calculated)
Cash & equivalents (YoY) (2025-12-31 vs 2024-12-31): 275.5%Derived (calculated)
Total liabilities (YoY) (2025-12-31 vs 2024-12-31): 94.0%Derived (calculated)
Total assets (YoY) (2025-12-31 vs 2024-12-31): 95.0%Derived (calculated)
Shareholders' equity (YoY) (2025-12-31 vs 2024-12-31): 104.3%Derived (calculated)
Revenue (YoY) (2025-12-31 vs 2024-12-31): -92.5%Derived (calculated)
Operating cash flow (YoY) (2025-12-31 vs 2024-12-31): 113.8%Derived (calculated)
Net income (YoY) (2025-12-31 vs 2024-12-31): 31.4%Derived (calculated)
Long-term debt (YoY) (2025-12-31 vs 2024-12-31): -48.1%Derived (calculated)
EPS (diluted) (YoY) (2025-12-31 vs 2024-12-31): 33.8%Derived (calculated)
EPS (basic) (YoY) (2025-12-31 vs 2024-12-31): 33.8%Derived (calculated)
Capex (YoY) (2025-12-31 vs 2024-12-31): 146.5%Derived (calculated)
Debt-to-equity (FY 2025-12-31): 8.30xDerived (calculated)
Return on assets (FY 2025-12-31): 0.4%Derived (calculated)
Net margin (FY 2025-12-31): 301.4%Derived (calculated)
Long-term debt (annual): USD 788.36MSEC XBRL filing
Operating cash flow (annual): USD 224.44MSEC XBRL filing
Revenue (annual): USD 29.95MSEC XBRL filing
Net income (annual): USD 90.27MSEC XBRL filing
Pre-tax income (annual): USD 121.86MSEC XBRL filing
Total liabilities (annual): USD 20.72BSEC XBRL filing
Total assets (annual): USD 23.22BSEC XBRL filing
Capex (annual): USD 12.29MSEC XBRL filing
Cash & equivalents (annual): USD 2.04BSEC XBRL filing

Showing 24 of 60 surfaced claims.

Atomic claims from regulatory filings and derived calculations. Provenance shown as source kind only.

The Thread

Everything we know, in order

— missing data

Sources filings · IR · transcripts · market data · tier hybrid · as of 2026-07-31 Market data · Issuer disclosures · Public news · Earnings transcripts · Consensus estimates · ESG data · Reference data Premium coverage

At a glance

What drives this business

News & coverage

Sector rotation

Developing storylines

Analysis

Opportunity

Upcoming catalysts

Pre-earnings brief

Signals & dispatch

Composite-score breakdown

Synthesis

Bull / Bear case

In focus — financials by report

Valuation FY

Revenue by segment

Market share

Business relationships

Supply chain

Peer comparison

Market position

Stress test

Predictor forecast

Options

Short squeeze

Earnings-call key lines

Consensus distribution

Estimate revisions

Sell-side observations

Themes

ESG

Risk factors

Benchmarks vs cohort

Corporate actions / M&A

FX exposure

Comparable transactions

Derivatives & instruments

Actions

Ask Handelsavisen

Ownership & reference

Top holders

Insider activity

Short positioning

Geographic breakdown

Intel & risk

Evidence & claims

The Thread