Beacon Financial Corporation BBT

FinancialsBanking ServicesUnited States of America

Last close 30.66 USD on Nov 1, 2026, +19.9% year to date

Quant rating

Quant rating B Rank 298 of 799 in Financials

Growth A 96 of 799
Valuation B 300 of 799
Quality C 411 of 799
Revisions C 527 of 799
Momentum B 234 of 799

Wall Street consensus Hold (2.57)Average target 35.17 USD +14.7%

Historical valuation

Multiples use consensus estimates for the next twelve months. The dashed line is the 5-year average.

Key data

Market cap: 2.6B
Enterprise value: 2.7B
52-week range: 23.63 – 32.81
3-year range: 19.89 – 32.81
Dividend yield: 4.21%
Beta (5 years): 0.61
Shares outstanding: 84.3M
Next earnings: Jan 26, 2027

About the company

Beacon Financial Corporation is a holding company for Beacon Bank & Trust (Beacon Bank). Beacon Bank is a full-service regional bank. Beacon Bank operates approximately 145 branches throughout New England and New York. Beacon Bank offers a full suite of tailored banking solutions including commercial, cash management, asset-based lending, retail, consumer and residential products and services. The Bank operates through its banking divisions, including Berkshire Bank, Brookline Bank, BankRI and PCSB Bank. The Company also provides equipment financing through its Eastern Funding subsidiary, SBA lending through its 44 Business Capital division and private wealth services through Clarendon Private.

Growth and profitability fiscal year ends December 31

Growth and profitability by fiscal year
	2025	2024	2023	2022	2021	5Y avg
Revenue (mil)	833	629	576	387	329	–
Revenue growth	32.5%	9.1%	48.8%	17.7%	−19.7%	15.2%
EPS (basic, normalized)	1.56	0.81	1.74	2.19	1.65	–
EPS growth	92.7%	−53.5%	−20.7%	32.9%	–	–
Gross margin	–	–	–	–	–	–
Net margin	10.8%	10.9%	12.1%	23.9%	36.1%	18.8%
ROE	5.4%	5.8%	9.6%	8.7%	10.2%	7.9%

Balance sheet, last quarter
Cash & short-term investments (mil)	–
Tier 1 risk-adjusted capital ratio	11.7%
Long-term debt (mil)	417
Net debt (mil)	–
Total equity (mil)	2,520
Net debt / equity	–

Estimates and valuation

Consensus estimates and implied multiples
	Sales (mil)			Book value per share			EPS
Fiscal year	Mean est.	Growth	EV/Sales	Mean est.	Growth	P/B	Mean est.	Growth	P/E
2025 actual	833	+32.5%	3.3x	29.70	+17.0%	1.0x	1.62	−26.7%	18.9x
2026	884	+6.2%	3.1x	30.58	+2.9%	1.0x	3.00	+85.4%	10.2x
2027	915	+3.5%	3.0x	32.84	+7.4%	0.9x	3.38	+12.5%	9.1x
2028	951	+3.9%	2.9x	35.15	+7.0%	0.9x	3.78	+11.8%	8.1x

Estimate revisions

Change in consensus estimates over 1, 3 and 6 months
	Sales				EPS
Fiscal year	Estimate (mil)	1M	3M	6M	Estimate	1M	3M	6M
2026	884	−0.2%	+1.8%	+3.9%	3.00	−1.8%	−2.5%	−3.8%
2027	915	−1.3%	+1.2%	+3.2%	3.38	+0.5%	+0.3%	−1.7%
2028	951	–	–	–	3.78	–	–	–

Earnings surprises EPS beat in 1 of the last 4 quarters

Reported results versus consensus, last 10 fiscal quarters
Quarter ended	Mar 2024	Jun 2024	Sep 2024	Dec 2024	Mar 2025	Jun 2025	Sep 2025	Dec 2025	Mar 2026	Jun 2026
Sales reported (mil)	88.1	88.5	88.1	86.9	89.8	91.9	145	226	215	219
Sales mean (mil)	89.0	90.5	90.5	87.3	90.3	92.9	138	225	220	211
Surprise	−1.0%	−2.2%	−2.7%	−0.5%	−0.6%	−1.1%	+5.2%	+0.4%	−2.5%	+4.0%
EPS reported	0.49	0.55	0.58	0.60	0.60	0.69	0.44	0.79	0.70	0.77
EPS mean	0.47	0.52	0.55	0.54	0.53	0.59	0.88	0.79	0.84	0.77
Surprise	+4.3%	+6.3%	+5.9%	+10.3%	+12.7%	+16.3%	−50.0%	−0.4%	−16.4%	+0.4%

Peer comparison Banking Services

Peers in the same industry group, by market capitalization
Company	Market cap	Tier 1 ratio	Net margin	Deposits/loans	FY1 P/E	FY2 P/E	FY1 P/B	FY2 P/B
BBT Beacon Financial Corporation	2.6B	11.7%	10.8%	1.10x	10.2x	9.1x	1.0x	0.9x
COLB Columbia Banking System Inc	8.5B	11.7%	18.9%	1.15x	10.0x	9.2x	1.1x	1.1x
VLY Valley National Bancorp	7.8B	11.4%	17.6%	1.05x	10.9x	9.3x	1.0x	0.9x
UBSI United Bankshares, Inc.	6.5B	13.3%	27.6%	1.11x	13.0x	12.2x	1.2x	1.1x
AUB Atlantic Union Bankshares Corporation	5.5B	10.9%	14.4%	1.11x	10.4x	9.7x	1.1x	1.0x
EBC Eastern Bankshares Inc	5.1B	13.0%	7.6%	1.12x	11.9x	10.4x	1.2x	1.1x
Mean		12.0%	16.1%	1.11x	11.1x	10.0x	1.1x	1.0x
Median		11.7%	16.0%	1.11x	10.7x	9.5x	1.1x	1.0x

Technical analysis

1M+10.1%
3M+3.3%
1Y+33.9%
3Y+75.3%

Financial statements in millions of USD

Income statement in millions of USD, fiscal years

Income statement, Beacon Financial Corporation, fiscal years, most recent first
	2025	2024	2023	2022	2021	2020
Interest income	833	629	576	387	329	410
Total interest expense	330	299	207	42.7	37.9	93.0
Net interest income	503	330	369	345	291	317
Loan loss provision	41.4	21.6	32.0	11.0	−0.5	–
Net interest income after loan loss provision	462	308	337	334	292	317
Non-interest income	49.9	25.6	42.8	68.9	143	66.3
Non-interest expense	−390	−242	−302	−289	−286	−916
Net income before taxes	122	91.7	78.3	114	149	−533
Provision for taxes	31.6	23.0	8.7	21.3	30.4	−19.9
Minority interest & equity in affiliates	–	–	–	–	–	–
Other	0	0	0	0	0	0
Net income before extraordinary items	90.3	68.7	69.6	92.5	119	−513
Extraordinary items	–	–	–	0	0	−19.8
Net income	90.3	68.7	69.6	92.5	119	−533
Basic weighted average shares (mil)	87.4	89.0	43.3	45.6	49.2	50.3
Diluted weighted average shares (mil)	87.7	89.3	43.5	45.9	49.6	50.3
Basic EPS excluding extraordinary items	1.03	0.77	1.61	2.03	2.41	−10.21
Basic EPS, normalized	1.56	0.81	1.74	2.19	1.65	−2.01

Balance sheet in millions of USD, fiscal years

Balance sheet, Beacon Financial Corporation, fiscal years, most recent first
	2025	2024	2023	2022	2021	2020
Assets
Cash & due from banks	202	183	148	145	109	91.2
Other earning assets	3,616	2,185	2,710	2,632	4,153	3,868
Net loans	17,777	9,270	8,934	8,239	6,720	7,954
Property, plant & equipment	245	107	116	132	147	173
Goodwill	352	–	–	–	–	0
Intangibles	190	15.1	19.7	24.5	29.6	34.8
Long-term investments	–	–	–	–	–	–
Other long-term assets	149	104	121	122	57.2	317
Other assets	690	409	381	369	340	400
Total assets	23,220	12,273	12,431	11,663	11,555	12,838
Liabilities
Accounts payable	–	9.0	13.8	1.6	0.8	–
Payable/accrued	–	–	–	–	–	–
Accrued expenses	392	56.0	53.0	53.7	55.7	63.9
Total deposits	19,530	10,375	10,633	10,327	10,069	10,216
Other bearing liabilities	556	316	385	4.4	13.3	474
Short-term borrowings	–	–	–	–	–	–
Current portion of long-term debt	–	–	–	–	–	–
Long-term debt	233	123	130	130	107	108
Minority interest	–	–	–	–	–	–
Other liabilities	13.7	227	203	191	126	789
Total liabilities	20,724	11,106	11,419	10,709	10,372	11,650
Shareholders' equity
Preferred stock	–	–	–	–	–	0
Common stock	0.9	0.6	0.5	0.5	0.5	0.5
Additional paid-in capital	2,172	1,431	1,423	1,424	1,423	1,427
Retained earnings (accumulated deficit)	486	−3.1	−33.1	−71.4	−139	−233
Treasury stock	−143	−144	−225	−210	−89.9	−31.3
Other equity	−20.0	−116	−153	−190	−12.3	24.6
Total equity	2,496	1,167	1,012	954	1,182	1,188
Total liabilities & shareholders' equity	23,220	12,273	12,431	11,663	11,555	12,838

Cash flow statement in millions of USD, fiscal years

Cash flow statement, Beacon Financial Corporation, fiscal years, most recent first
	2025	2024	2023	2022	2021	2020
Operating activities
Net income	90.3	61.0	69.6	92.5	119	−533
Depreciation, depletion & amortization	24.8	11.6	13.3	14.7	16.2	18.1
Deferred taxes	22.3	–	–	–	–	–
Non-cash items	−25.5	−25.0	1.3	−2.6	−74.5	695
Changes in working capital	113	77.7	73.0	6.1	24.4	48.0
Cash from operations	224	125	157	111	84.8	228
Investing activities
Capital expenditures	−12.3	−4.6	−1.8	−1.5	−1.6	−7.2
Other investing cash flows	2,313	−313	−283	−1,259	623	648
Cash from investing	2,300	−317	−284	−1,261	621	641
Financing activities
Financing cash flow items	−917	65.6	701	333	−543	146
Cash dividends paid	−63.1	−30.9	−31.7	−24.5	−24.6	−36.6
Issuance (retirement) of debt, net	–	–	–	–	–	–
Other financing cash flows	−46.5	82.6	−23.8	−101	−68.3	0.2
Cash from financing	−1,027	117	645	208	−636	109
Foreign exchange effects	–	–	–	–	–	–
Net change in cash	1,498	−74.8	518	−942	69.9	978
Free cash flow	212	121	155	109	83.2	220

Disclaimer

The financial data presented in this report is delayed and obtained from sources QDD Research believes to be reliable, including stock exchanges, SEDAR, and EDGAR. However, no representation or warranty is made as to the accuracy, completeness, or timeliness of the information. QDD Research accepts no liability for any errors, omissions, or financial losses arising from the use of this data.

This report is generated using a fully systematic and quantitative approach. All factor scores and the overall quant rating (ranging from D to A+) are derived from algorithmic models and are based solely on objective financial metrics. These scores are intended for informational purposes only and should not be interpreted as investment advice or a recommendation to buy, sell, or hold any securities.

QDD Research is not a registered investment advisor or broker-dealer and does not provide personalized financial advice. The content is not tailored to the specific investment goals, financial situation, or risk profile of any individual investor. We strongly encourage readers to consult with a licensed broker or investment advisor before making any investment decisions based on the information contained in this report.

Live quote provided by TradingView. Report data updated Nov 1, 2026 after market close.