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Beacon Financial Corp (BBT) stock

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NYSE: BBT NYSE Regional Banks Next results ~January 27, 2027

B+ Fundamentals grade

Beacon Financial Corp is a US-listed company in the regional banks industry. Its financial year ends in December.

Stock price today

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Third-party market data · may be delayed

Fair value per share

~$28

Valuation models combined (6)

Base case. Range ~$24–$36. Weighted average of 6 models (residual income, justified price-to-book, price-to-book vs return on equity (peers), price-to-book vs peers, forward price-to-earnings vs peers, dividend discount (two-stage)), the residual income counting double.

Price vs value

Modestly overvalued

The price is inside our value range, 11% above our base value.

Price used: $31.57, November 2, 2026

Who’s trading

What company insiders, investment funds and members of Congress have been doing with the stock, from their own filings.

  • Insiders8 buying, 2 selling11 purchases and 2 sales by directors and officers, last 12 monthsInsider trades
  • Funds139 adding, 123 cuttingOf 47 active managers that changed their stake, 27 added; quarter to June 30, 2026Fund buyers and sellers

Value diary

Our note on each quarter Beacon Financial files

Where Beacon Financial stands after its latest 10-Q

Revenue for the twelve months to June 2026 was $801m, up 74.1% on a year earlier, faster than the 48.7% growth a quarter earlier. That growth ranks 6 of 190 among the regional banks companies we cover. The diluted share count is down 5.0% on a year earlier, which lifts each remaining share. Our cash-flow model value is $27.29 a share, against a share price of $30.80.

Source: 10-Q filed August 7, 2026 on SEC EDGAR · Financials · Valuation

Written from the company's filings and our models when each quarter's report arrives. Figures in older notes are as published at the time. Not investment advice.

The Fundamentalytics view

Next results ~January 27, 2027 (estimated)

Beacon Financial Corp's trailing-twelve-month revenue grew 74.1% year on year, with a free-cash-flow margin of 38.4%. Where it stands out: change in growth rate of +25.5pp ranks 3 of 244 regional banks companies we cover. Where it lags: net margin of 20.0% ranks 197 of 245 regional banks companies we cover.

Current signal Revenue growth accelerating: TTM revenue growth rose to 74.1% (+25.5pp vs the prior quarter).

Assembled from SEC-filed figures — the full workings are on this page and in our methodology. Observations, not recommendations.

Strengths

  • Fast growth. Revenue grew 74.1% over the last 12 months, against a median of 12.5% for regional banks companies we cover.
  • Growth speeding up. The growth rate is 25.5 points higher than a quarter earlier.
  • Strong cash generation. 38.4% of revenue turned into free cash flow.
  • Shrinking share count. Diluted shares fell 5.0% in a year, so each share owns more of the business.
  • Net cash. Cash exceeds long-term debt by $0.3bn.

Things to watch

  • Below peers: net margin. Net margin of 20.0% ranks 197 of 245 regional banks companies we cover (median 28.7%).
  • Missing expectations. Earnings per share fell short of the consensus estimate in 3 of the last four quarters.

Latest results: FY2026 Q2

Filed August 7, 2026
Earnings per share
$0.77 against an average estimate of $0.78: missed by 0.9%
Revenue
$219m, up 92.8% on a year earlier
Share reaction
+7.3% in the first session after the results on October 21, 2026, against -0.7% for the S&P 500
Next report
October 21, 2026; average EPS estimate $0.77

Beacon Financial's figures from its SEC filings and results release; estimates are the analysts' average. Not a recommendation.

Price chart

  • 1 day+3.1%
  • 1 week+2.3%
  • 1 month+11.4%
  • This year+23.6%
  • 1 year+35.6%
  • 5 years+29.8%
  • S&P 500 this year+11.2%

Closing prices to 2026-11-02. Price change only, dividends excluded.

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Third-party market data · may be delayed

At a glance

Trailing twelve months, from SEC filings

Profitability

Revenue (TTM)
$801M
Net margin
20.0%
EPS (TTM, diluted)
$1.10

Growth

Revenue growth
+74.1%
Change in growth rate
+25.5 pts
Share count change
−5.0%

Earnings

Last results
October 21, 2026
Next results (est.)
January 27, 2027

News & updates

Updated October 31, 2026

Company announcements, filed results and changes that matter to shareholders.

  1. Results
  2. Announcement
  3. Leadership
  4. Agreement
  5. Announcement
  6. Leadership
  7. Results
  8. Announcement

Refreshed hourly when new source data is available. Summaries are checked against company releases and SEC filings. Company announcement headlines are labelled when a checked summary is unavailable.

Fundamentalytics rating

model v1.6 · 2026-11-03
Hold12-month view
12-month price target
~$28
Price used
$31.45close November 3, 2026
Implied change
▼ 9%
Uncertainty
Low

How we got here: the combined value of 6 valuation models built for a business like Beacon Financial Corp (see the models table below and how they are combined) , with a 8.37% cost of equity. The models span ~$24–~$36; that spread sets a 15% margin before we rate Buy or Sell.

Produced by Fundamentalytics' automated valuation model on November 3, 2026, using delayed market prices. Rating meanings, methodology and conflicts: recommendations disclosure and research disclaimer. General research, not personal advice — it does not consider your circumstances. Prices can fall as well as rise.

Valuation models

We value Beacon Financial Corp as a bank or lender, with every model that fits that kind of business. Cost of equity 8.4%: the 10-year Treasury yield (4.9%) plus a beta of 0.76 times a 4.5% equity risk premium.

Value per share by model
Model Value per share In the combined value?
Residual income Book value plus the present value of returns above the cost of equity, fading over ten years. ~$28 ~$20–$39 Primary model, counts double
Justified price-to-book Book value times (return on equity - growth) / (cost of equity - growth): steady-state returns. ~$26 ~$22–$32 Included
Price-to-book vs return on equity (peers) The price-to-book that peers with this return on equity trade on, from a line fitted across peers. ~$36 ~$20–$53 Included
Price-to-book vs peers Book value per share times peers' typical (harmonic-mean) price-to-book. ~$24 ~$32–$47 Included
Forward price-to-earnings vs peers Next year's consensus earnings per share times peers' typical (harmonic-mean) forward price-to-earnings. Uses analysts' consensus estimates (third-party data), not our forecasts. ~$33 ~$31–$40 Included
Dividend discount (two-stage) Dividends for five years at the growth the business can fund, then a steady payout and growth. ~$25 ~$20–$31 Included
Combined value Weighted average of the models that apply: the primary model (residual income) counts double. Models more than 5x or less than 0.2x the share price, or more than 3x away from the other models' median, are left out. ~$28 ~$24–$36 6 models

Different models fail in different ways, so where several apply we average them rather than trust one. Peer-based models compare Beacon Financial Corp with banks and lenders in our coverage, using third-party market data. Model values are estimates under stated assumptions, updated as new filings arrive; not price targets or investment advice. How each model works.

Moat

47 /100

Moderate moat

How hard Beacon Financial's competitive advantage looks for rivals to wear away, judged from 10 years of its own filings: returns on capital, pricing power, profit durability, cash conversion and discipline.

  • Returns on capital 6 / 20

    Net income has been a median 0.7% of total assets over 10 years.

  • Durability 5 / 20

    Net margin has been a median 18.2%; its worst year was -124.0%.

  • Discipline 20 / 20

    The diluted share count fell 29.5% over five years; stock-based pay has been a median 1.3% of revenue.

AI disruption exposure: Medium. In this industry, AI could change how the product is made or sold, without replacing the core asset. The score above includes a 5-point deduction for that exposure (52 before it).

A rules-based reading of reported figures, not a forecast and not investment advice. How the score is built: methodology.

Forecasts and guidance

Analysts' consensus

Beacon Financial Corp: consensus estimates
Fiscal yearEPSGrowthRevenueGrowth
Current $3.00 +85% $883m +60%
Next $3.40 +13% $916m +4%

Next year's EPS estimate has moved −0.4% in 90 days, across 7 analysts.

How the EPS forecast has moved

The consensus EPS forecast for the current fiscal year is −3.1% on 90 days ago. In the last 30 days, 0 analysts raised Beacon Financial Corp's forecast and 1 cut it.

Consensus EPS forecast Beacon Financial Corp, last 90 days
$3.00 $3.20 $3.40 $3.60 90 days ago 60 days ago 30 days ago 7 days ago Now Current fiscal year, 90 days ago: $3.10 Current fiscal year, 60 days ago: $3.04 Current fiscal year, 30 days ago: $3.04 Current fiscal year, 7 days ago: $3.04 Current fiscal year, Now: $3.00 $3.00 Next fiscal year, 90 days ago: $3.42 Next fiscal year, 60 days ago: $3.32 Next fiscal year, 30 days ago: $3.32 Next fiscal year, 7 days ago: $3.32 Next fiscal year, Now: $3.40 $3.40

Average of analysts' published estimates (third-party data).

View chart data
Period Current fiscal yearNext fiscal year
90 days ago $3.10$3.42
60 days ago $3.04$3.32
30 days ago $3.04$3.32
7 days ago $3.04$3.32
Now $3.00$3.40

Earnings against estimates

Beacon Financial Corp: reported EPS against the consensus estimate
Quarter toEstimateActualSurprise
Sept 2026 $0.78 $0.77 −0.9%
Jun 2026 $0.77 $0.77 +0.4%
Mar 2026 $0.84 $0.70 −16.5%
Dec 2025 $0.79 $0.79 −0.4%

Adjusted EPS as companies report it, against the average analyst estimate.

Management guidance

Earnings release, October 21, 2026

No numeric guidance in Beacon Financial Corp's latest earnings release (filed October 21, 2026). Some companies give their outlook only on the earnings call.

Analyst recommendations

7 analysts, Oct 2026
Buy343%
Hold457%
Sell00%

Monthly trend

  1. Oct 20262147
  2. Sep 20262147
  3. Aug 20262147
  4. Jul 20262147

Counts of recommendations published by analysts covering Beacon Financial Corp, by month. Source: Aggregated broker recommendations (third-party data). Aggregated counts only: we do not reproduce any firm's recommendation or price target, and these are not Fundamentalytics ratings.

Positioning

Short interest
5.9%
of tradable shares
Days to cover
4.24
at average volume
Short interest, 1 month
+7%
to October 15, 2026
Held by institutions
92%
of shares
Held by insiders
1.4%
of shares
Employees
1,972
full time

Consensus figures average analysts' published estimates (third-party data); guidance is the company's own. Neither is our forecast. Short interest is reported twice a month and lags. Market data may be delayed.

This section is general information, not investment advice or a personal recommendation, and it does not take account of your objectives or circumstances. Forecasts and guidance are estimates, not promises: companies miss their own guidance and analysts' figures are often revised. Prices can fall as well as rise, and you can lose money. See our disclaimer.

Share-price performance

Market data may be delayed

What moved the share price

Last 12 months +35.6%

$23.28 on October 31, 2025 to $31.57

Beacon Financial Corp: share-price change split into its parts
PartThenNowEffect
Revenue (last 12 months) $460m $801m +74.1%
Net margin 17.1% 20.0% +16.5%
P/E multiple 25.9x 16.4x −36.6%
Share count 88m 83m +5.4%

Biggest factor: revenue.

Last 3 years +64.6%

$19.18 on November 3, 2023 to $31.57

Beacon Financial Corp: share-price change split into its parts
PartThenNowEffect
Revenue (last 12 months) $450m $801m +77.9%
Net margin 22.4% 20.0% −10.8%
P/E multiple 17.2x 16.4x −4.5%
Share count 90m 83m +8.7%

Biggest factor: revenue.

The effects multiply back to the price change exactly. Results are the last 12 months as known on each date (filings assumed public 45 days after quarter end).

Return and risk by year

Beacon Financial Corp: yearly return, monthly win rate and worst fall against the S&P 500
Calendar year 202120222023202420252026 to date
Return
BBT+69%+7%−14%+18%−4%+24%
Industry peers (median)+34%−4%−2%+16%+10%+24%
S&P 500+29%−18%+26%+25%+18%+11%
Months that ended higher
BBT50%58%42%50%58%73%
S&P 50075%42%67%75%75%46%
Largest fall from a high during the year
BBT−16%−23%−40%−18%−24%−17%
S&P 500−5%−25%−10%−8%−19%−9%

Worst fall since November 2, 2015: 78% from June 7, 2018 to September 23, 2020. Getting back needed a 359% gain, and the shares have not yet recovered.

Price behaviour

52-week range
$23.43 – $32.61
From 52-week high
−3.2%
vs 50-day average
+6.8%
vs 200-day average
+6.7%
Volatility (1 year)
27%
Beta vs S&P 500
0.40

Volatility is the annualised standard deviation of daily returns. Beta 1.5 means the shares typically moved 1.5% for each 1% move in the S&P 500 over the past year. Prices to November 2, 2026.

Share price after results

Next day
9 up, 3 down
typical move ±3.2%
After a week
8 up, 4 down
typical move ±6.2%
After a month
7 up, 4 down
typical move ±6.7%
Beacon Financial Corp: share-price change after each results release
Results releasedNext dayS&P 500 next day5 days21 days
October 21, 2026 +7.3% −0.7% +8.9% —
July 29, 2026 +2.3% +0.1% +6.0% +6.4%
April 29, 2026 −10.3% +1.0% −9.3% −7.5%
January 28, 2026 +1.9% −0.2% +7.5% +5.9%
October 29, 2025 +0.8% −1.1% +9.6% +8.4%
July 24, 2025 −2.1% +0.5% −6.1% +2.2%
April 24, 2025 +1.6% +2.8% +3.3% +2.9%
January 30, 2025 +2.9% 0.0% +6.7% −1.0%
October 24, 2024 −1.9% +0.2% −0.9% +14.2%
July 18, 2024 +1.4% −1.4% +3.8% −1.5%
April 18, 2024 +5.7% −1.1% +7.6% +14.3%
January 25, 2024 +0.7% +0.4% −4.9% −9.6%

From the close before the release date to the close 1, 5 and 21 trading days after it, so releases before the open and after the close are both captured. Past moves don't predict future ones.

Options strategies

All options ideas

How Beacon Financial Corp’s listed options are priced, and three ways to use them that follow from our valuation. Quotes are delayed, read November 2, 2026. Check the live chain at your broker before trading.

Cash-secured put

Not offered: no liquid put with an effective price at or below fair value.

We suggest selling a put only on well-rated companies, at a strike where the price you would pay if assigned (strike less premium) is at or below our fair value.

Covered call

Not offered: no liquid call at or above our price target — the model says the upside is worth more than any listed strike.

For holders: sell a call at a strike at or above our fair value, so the shares are only sold at a price the model calls full value.

Collar

Not offered: no liquid put and call pair for the same expiry.

For holders of a stock trading at or above our fair value: buy a put for a floor and sell a call to pay for it.

General research, not personal advice. Options can lose you more than you expect and are not suitable for everyone: put sellers can be made to buy shares that keep falling, call sellers give up gains above the strike, and results or news can move prices sharply. Chances shown are approximations from each option’s delta. Spreads, fees and early assignment are not modelled.

Beacon Financial Corp in five measures

Fundamentals grade B+
Growth Profitability Cash Balance sheet Value

Growth, profitability, cash generation and balance sheet are percentiles against the companies we cover in the same industry, from SEC filings (100 = best). Value compares the share price with our modelled value range (50 = at our base value; higher = cheaper). A description of reported data and our model — not a quality score or advice.

Fundamentals

Revenue (TTM) Beacon Financial Corp
$200M $400M $600M $800M $1B FY23 Q3 FY24 Q2 FY25 Q1 FY26 Q2 Revenue (TTM), FY23 Q3: $449.5M Revenue (TTM), FY23 Q4: $411.8M Revenue (TTM), FY24 Q1: $353.2M Revenue (TTM), FY24 Q2: $352M Revenue (TTM), FY24 Q3: $369.9M Revenue (TTM), FY24 Q4: $400M Revenue (TTM), FY25 Q1: $454.9M Revenue (TTM), FY25 Q2: $459.9M Revenue (TTM), FY25 Q3: $435.7M Revenue (TTM), FY25 Q4: $553M Revenue (TTM), FY26 Q1: $676.2M Revenue (TTM), FY26 Q2: $800.8M $800.8M

Source: SEC EDGAR filings. Retrieved October 29, 2026.

View chart data
Period Revenue (TTM)
FY23 Q3 $449.5M
FY23 Q4 $411.8M
FY24 Q1 $353.2M
FY24 Q2 $352M
FY24 Q3 $369.9M
FY24 Q4 $400M
FY25 Q1 $454.9M
FY25 Q2 $459.9M
FY25 Q3 $435.7M
FY25 Q4 $553M
FY26 Q1 $676.2M
FY26 Q2 $800.8M
Revenue growth, TTM YoY Beacon Financial Corp
-50% 0% 50% 100% FY23 Q3 FY24 Q2 FY25 Q1 FY26 Q2 Revenue growth, TTM YoY, FY23 Q3: 16.3% Revenue growth, TTM YoY, FY23 Q4: -0.4% Revenue growth, TTM YoY, FY24 Q1: -19.3% Revenue growth, TTM YoY, FY24 Q2: -21.8% Revenue growth, TTM YoY, FY24 Q3: -17.7% Revenue growth, TTM YoY, FY24 Q4: -2.9% Revenue growth, TTM YoY, FY25 Q1: 28.8% Revenue growth, TTM YoY, FY25 Q2: 30.6% Revenue growth, TTM YoY, FY25 Q3: 17.8% Revenue growth, TTM YoY, FY25 Q4: 38.2% Revenue growth, TTM YoY, FY26 Q1: 48.7% Revenue growth, TTM YoY, FY26 Q2: 74.1% 74.1%

Source: SEC EDGAR filings. Retrieved October 29, 2026.

View chart data
Period Revenue growth, TTM YoY
FY23 Q3 16.3%
FY23 Q4 -0.4%
FY24 Q1 -19.3%
FY24 Q2 -21.8%
FY24 Q3 -17.7%
FY24 Q4 -2.9%
FY25 Q1 28.8%
FY25 Q2 30.6%
FY25 Q3 17.8%
FY25 Q4 38.2%
FY26 Q1 48.7%
FY26 Q2 74.1%
FCF margin (TTM) Beacon Financial Corp
10% 20% 30% 40% FY23 Q1 FY23 Q4 FY24 Q3 FY25 Q4 FCF margin (TTM), FY23 Q1: 31.1% FCF margin (TTM), FY23 Q2: 37.3% FCF margin (TTM), FY23 Q3: 28.0% FCF margin (TTM), FY23 Q4: 25.3% FCF margin (TTM), FY24 Q1: 20.0% FCF margin (TTM), FY24 Q2: 21.8% FCF margin (TTM), FY24 Q3: 15.8% FCF margin (TTM), FY24 Q4: 25.0% FCF margin (TTM), FY25 Q1: 21.5% FCF margin (TTM), FY25 Q2: 20.6% FCF margin (TTM), FY25 Q3: 21.6% FCF margin (TTM), FY25 Q4: 38.4% 38.4%

Source: SEC EDGAR filings. Retrieved October 29, 2026.

View chart data
Period FCF margin (TTM)
FY23 Q1 31.1%
FY23 Q2 37.3%
FY23 Q3 28.0%
FY23 Q4 25.3%
FY24 Q1 20.0%
FY24 Q2 21.8%
FY24 Q3 15.8%
FY24 Q4 25.0%
FY25 Q1 21.5%
FY25 Q2 20.6%
FY25 Q3 21.6%
FY25 Q4 38.4%

Data: SEC EDGAR XBRL company facts (as filed in 10-K/10-Q); forms 10-K, 10-K/A, 10-Q, 10-Q/A. Generated November 3, 2026. Definitions in our methodology.

Where the money goes

FY2025, from the 10-K

What Beacon Financial earned on its loans and securities in FY2025, what it paid depositors and lenders, and how its revenue split between running costs, credit losses, tax and profit.

  1. Interest income $833M
  2. Fee and other income $49.9M · 9.0%
  3. Interest paid $330M
  4. Net interest income $503M · 91.0%
  5. Revenue $553M
  6. Non-interest expense $390M · 70.5%
  7. Credit-loss provisions $41.4M · 7.5%
  8. Pre-tax profit $122M · 22.0%
  9. Income tax $31.6M · 5.7%
  10. Net income $90.3M · 16.3%
Where Beacon Financial's revenue went, FY2025
Interest income $833M
Fee and other income $49.9M 9.0% of revenue
Interest paid $330M
Net interest income $503M 91.0% of revenue
Revenue $553M
Non-interest expense $390M 70.5% of revenue
Credit-loss provisions $41.4M 7.5% of revenue
Pre-tax profit $122M 22.0% of revenue
Income tax $31.6M 5.7% of revenue
Net income $90.3M 16.3% of revenue

Shares of revenue. Source: Beacon Financial's 10-K for FY2025, as filed with the SEC.

Financial statements

US$ millions unless shown otherwise. Fiscal years, plus the last twelve months (LTM) when newer.

Beacon Financial Corp: annual financial statements
Fiscal year 2009 Dec 2009 2010 Dec 2010 2011 Dec 2011 2012 Dec 2012 2013 Dec 2013 2014 Dec 2014 2015 Dec 2015 2016 Dec 2016 2017 Dec 2017 2018 Dec 2018 2019 Dec 2019 2020 Dec 2020 2021 Dec 2021 2022 Dec 2022 2023 Dec 2023 2024 Dec 2024 2025 Dec 2025 LTM Jun 2026
Income
Revenue 95 107 142 197 227 226 268 298 365 431 449 383 434 414 412 400 553 801
Net income −16 14 17 33 41 34 50 59 55 106 97 −533 119 93 75 69 90 160
Diluted EPS −$0.37 $0.24 $0.24 $0.36 $0.40 $0.33 $0.42 $0.46 $0.34 $0.56 $0.48 −$2.60 $0.59 $0.49 $0.44 $0.40 $0.53 $1.10
Growth (year on year)
Revenue — +12.6% +33.4% +38.7% +15.0% −0.2% +18.4% +11.2% +22.5% +17.9% +4.4% −14.7% +13.4% −4.8% −0.4% −2.9% +38.2% +74.1%
Net income — — +27.4% +91.3% +24.0% −18.0% +46.7% +18.5% −5.8% +91.4% −7.9% −647.0% — −22.0% −18.9% −8.4% +31.4% +102.8%
Diluted EPS — — −1.0% +53.6% +10.7% −17.6% +27.2% +8.7% −26.1% +64.7% −14.0% −638.1% — −15.5% −11.7% −9.4% +33.8% +113.4%
Margins
Net margin −16.8% 12.8% 12.2% 16.8% 18.1% 14.9% 18.5% 19.7% 15.1% 24.6% 21.7% −139.1% 27.3% 22.4% 18.2% 17.2% 16.3% 20.0%
Free-cash-flow margin 8.8% 33.4% 22.6% 4.9% 50.4% 20.9% 29.4% 29.9% 18.3% 49.5% 22.5% 57.5% 19.1% 26.4% 25.3% 25.0% 38.4% 29.1%
Cash flow
Cash from operations 12 41 40 29 127 56 86 98 78 222 112 228 85 111 117 105 224 233
Capital spending 4 5 8 19 13 8 7 9 11 9 11 7 2 1 12 5 12 0
Free cash flow 8 36 32 10 114 47 79 89 67 213 101 220 83 109 104 100 212 233
Stock-based pay 1 2 1 2 3 4 5 5 5 5 5 5 4 7 7 8 4 4
Free cash flow after stock pay 7 34 31 8 111 44 74 84 62 208 96 216 79 102 97 92 209 229
Balance sheet
Cash 14 13 75 98 76 72 104 113 249 183 580 1,558 1,628 383 133 544 2,042 1,216
Total debt 0 47 237 448 1,064 1,052 1,263 1,314 1,137 1,518 828 572 111 126 507 1,623 788 889
Net debt (negative = net cash) −14 34 162 350 989 981 1,160 1,201 888 1,335 248 −986 −1,517 −257 374 1,080 −1,253 −328
Diluted shares 54m 57m 73m 91m 102m 102m 117m 127m 162m 189m 202m 205m 202m 188m 172m 174m 171m 145m
Returned to shareholders
Dividends 8 9 12 16 18 18 22 25 33 41 45 37 25 25 48 48 63 93
Buybacks — — — −3 12 2 1 0 0 0 53 0 69 125 24 18 — —
Total returned 8 9 12 13 30 21 22 25 33 41 98 37 93 149 72 66 63 93

Source: SEC EDGAR XBRL company facts (US and foreign periodic filings); column headings link to the filing. EBITDA is operating income plus depreciation and amortisation. Free cash flow is cash from operations minus capital spending. Growth is left blank when last year's figure was a loss or under 2% of revenue. Share counts and EPS are restated for stock splits. A dash means the company didn't report the figure.

Dividends, buybacks and capital spending

FY2025 Q2 TTM
Buybacks (TTM)
-$3,000
Dividends (TTM)
$93.1M
Returned to shareholders
60%
of free cash flow
Diluted share count
−5.0%
year over year
Total shareholder yield
3.5%
dividends 3.5% + buybacks 0.0% of market value
Dividend payout ratio
58%
of net income paid out

Competitors: side by side with peers

Closest by revenue in regional banks
Growth, margins and cash generation against peers
Last 12 months unless stated BBT BUSE TRMK WAFD BOH CASH Median
Revenue, last 12 months $801m $790m $818m $783m $778m $826m $255m
Revenue growth, last 12 months 74.1% 41.4% 4.5% 7.8% 12.7% −0.8% 12.5%
Revenue growth, 3-year average 21.2% 27.2% 5.6% 1.3% 3.7% 7.4% 6.0%
Revenue growth, latest quarter 92.8% −0.7% 4.8% 10.3% 8.8% −3.1% 10.7%
Net margin 20.0% 29.3% 28.7% 32.8% 31.7% 21.3% 28.7%
Cash from operations / revenue 29.1% 28.8% 25.4% 34.2% 40.5% 84.4% 34.3%
Free-cash-flow margin 38.4% 26.4% 22.9% 29.0% 34.4% 82.8% 31.4%
Free-cash-flow margin, 3-year average 29.6% 29.4% 25.4% 40.2% 25.5% 57.7% 29.9%
Stock pay / revenue 0.5% 1.9% 0.9% 1.3% 2.3% 1.4% 1.2%
Change in share count −5.0% 28.7% −2.6% −5.7% −0.2% −8.1% 0.4%

Median of all 245 companies we cover in regional banks. Shaded: best of the six on that line (lowest for stock pay and share-count growth). 3-year figures average the last three 12-month periods; 3-year growth is compound annual. Source: SEC filings.

Peer comparison

245 regional banks companies
Measures ranked against peers
Measure Company Peer median Rank
Revenue growth Growth 74.1% 12.5% 7 of 245
Change in growth rate Growth +25.5pp +0.0pp 3 of 244
Net margin Profitability 20.0% 28.7% 197 of 245
Stock pay as % of revenue Cash generation 0.5% 1.3% 15 of 206
Change in share count Balance sheet -5.0% 0.4% 16 of 230

Rank 1 = best in the group (for spending, debt and dilution, lower ranks first).

Where the revenue comes from

Fiscal year to December 31, 2025
Products and services
Line of business Revenue YoY
Deposit Account $19.7M ▲ 86.6%
Wealth Management Fees $9.7M ▲ 62.7%
Interchange Income $5M ▲ 42.1%
Financial Service Other $4.1M ▲ 69.5%

These categories overlap or exclude eliminations, so shares aren't shown.

From Beacon Financial Corp's 10-K filed March 2, 2026, as tagged in the filing. View filing. Indented rows are part of the line above; their share is of that line. In the bars, the faint bar behind is the year before.

Reported value
$2.3B
Institutions reporting
293
Shares held vs prior quarter
▼ 0.7%
Positions opened / closed
36 / 33

Top buyers and sellers, Q2 2026: 139 institutions bought and 123 sold ; the biggest buyer was T. Rowe Price Investment Management, Inc (+1.1M shares) and the biggest seller Azora Capital LP (−3.1M). See which funds bought and sold →

Largest reported holders, June 30, 2026
Manager Value Shares Share of 13F value Shares QoQ
Blackrock, Inc. $377M 12.4M 16.0% ▲ 1.5%
Vanguard Portfolio Management LLC $159M 5.2M 6.8% ▲ 1.5%
Millennium Management LLC $157M 5.2M 6.7% ▲ 1.1%
State Street Corp $156M 5.1M 6.7% ▲ 7.9%
Dimensional Fund Advisors LP $151M 5.0M 6.4% ▲ 2.9%
Fuller & Thaler Asset Management, Inc. $120M 3.9M 5.1% ▼ 17.5%
Vanguard Capital Management LLC $115M 3.8M 4.9% ▼ 0.1%
Verition Fund Management LLC $73.2M 2.4M 3.1% ▲ 19.3%
Holdco Asset Management, LP $68.9M 2.3M 2.9% ▲ 9.8%
Geode Capital Management, LLC $65.8M 2.2M 2.8% ▲ 5.7%
Morgan Stanley $50.7M 1.7M 2.2% ▲ 24.7%
Adage Capital Partners Gp, L.L.C. $45.5M 1.5M 1.9% ▼ 18.2%

From Form 13F filings with the SEC ( quarterly data sets), as reported by each manager for June 30, 2026 and filed up to 45 days later. 13F reports cover long US-listed positions of managers above $100M only, so this is not Beacon Financial Corp's complete shareholder register. Values are as reported by the filers .

Insider trading activity

Full insider history and chart
Recent insider open-market transactions
Insider Date Trade Shares Price Value
Charnley Nina A Director October 30, 2026 Buy 350 $30.57 $10,700
Hughes William H Iii Director October 29, 2026 Buy 200 $30.73 $6,146
Rosengren Eric S Director October 28, 2026 Buy 700 $30.24 $21,168
Callahan Mary Anne Director October 28, 2026 Buy 3,200 $30.21 $96,672
Fitzgerald Margaret Boles Director October 27, 2026 Buy 329 $30.77 $10,123
Hollister Thomas J Director October 26, 2026 Buy 3,450 $30.43 $104,984
Eagan John Buckley General Counsel October 26, 2026 Sell 641 $30.61 $19,621
Polito Karyn Director October 26, 2026 Buy 1,000 $30.68 $30,680
Mccurdy Michael W. Chief Banking Officer February 26, 2026 Sell 17,333 $31.04 $538,016
Hollister Thomas J Director November 4, 2025 Buy 4,200 $24.66 $103,572
Callahan Mary Anne Director November 4, 2025 Buy 4,000 $24.67 $98,680
Hughes William H Iii Director November 3, 2025 Buy 635 $24.26 $15,405

From insiders' Form 4 filings with the SEC. Excludes awards, option exercises and shares withheld for tax. "Pre-set plan" means the filing marks the trade as made under a Rule 10b5-1 plan. See every insider trade since five years ago, on a price chart.

Trades by members of Congress

All 1 trade and filings

No trades in Beacon Financial Corp disclosed in the last 12 months; 1 earlier trade on record.

  • Lisa C. McClain(R-MI 9):Sale (full), $1,001 - $15,000, traded September 25, 2025, filed October 22, 2025

Value ranges as filed; reports can arrive up to 45 days after a trade.

Earnings dates and SEC filings

Results announcements

Next expected around January 27, 2027 estimated from the company's past filing pattern, not announced

  • October 21, 2026
  • July 29, 2026
  • April 29, 2026
  • January 28, 2026
  • October 29, 2025
  • July 24, 2025

Recent SEC filings

Data status

When each part of this page on Beacon Financial Corp was last updated.

DataLast updatedSource
Share priceExchange closing prices
Financial statementsSEC 10-K and 10-Q filings
News and updatesCompany releases and SEC 8-K filings
Analyst estimatesAggregated analyst estimates
Valuation and scoresOur models, from the filed figures

How we build and check these figures: methodology and data sources.

Beacon Financial Corp in brief

What does Beacon Financial Corp do?
Beacon Financial Corp is a US-listed company in the regional banks industry. Its financial year ends in December.
What is Beacon Financial Corp's stock ticker?
Beacon Financial Corp trades under the ticker BBT on NYSE. This page brings together its financial statements, valuation models, ownership and recent company updates.
What is Beacon Financial Corp's revenue, and how fast is it growing?
Over its most recent trailing twelve months, Beacon Financial Corp reported revenue of $801M, 74.1% higher than a year earlier, according to its SEC filings.
What is Beacon Financial Corp's free cash flow?
Beacon Financial Corp's free-cash-flow margin is 38.4% of revenue over the trailing twelve months.
Who are Beacon Financial Corp's largest institutional shareholders?
By value reported in 13F filings for June 30, 2026, the largest reported holders are Blackrock, Inc., Vanguard Portfolio Management LLC and Millennium Management LLC. 13F reports cover long US-listed positions of managers above $100M, filed up to 45 days after quarter end.
Is Beacon Financial Corp buying back stock, and does it pay a dividend?
Beacon Financial Corp spent -$3,000 on share repurchases over the trailing twelve months, and its diluted share count fell 5.0% over the year.
What is Beacon Financial Corp's market cap?
On November 2, 2026, Beacon Financial Corp's market capitalisation was about $4.6B, with a price-to-earnings ratio of 28.7 and net debt of -$328M. Market figures come from third-party market data and may be delayed.
Does Beacon Financial Corp pay a dividend?
Yes: Beacon Financial Corp paid $93.1M in dividends over the trailing twelve months, a dividend yield of 3.51% and a payout ratio of 58.3%.
Who are Beacon Financial Corp's competitors?
In our Regional Banks peer group, the companies closest to Beacon Financial Corp are First Busey Corp, Trustmark Corp, Wafd Inc, Bank Of Hawaii Corp and Pathward Financial, Inc. The side-by-side comparison below sets their revenue, margins and growth against Beacon Financial Corp's.
Are insiders buying or selling Beacon Financial Corp stock?
Over the last 12 months, Beacon Financial Corp's directors and officers reported 11 open-market purchases and 2 sales on Form 4. The insider trading page charts every trade.
When is Beacon Financial Corp's next earnings date?
Around January 27, 2027, estimated from the spacing of its past results announcements (8-K filings). That is an estimate, not a confirmed date — Beacon Financial Corp announces its own schedule.