Symbols / BBT Stock $28.23 -0.21% Beacon Financial Corporation

Financial Services • Banks - Regional • United States • NYQ
BBT (Stock) Chart
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Stock Fundamentals
Scroll to Statements
Index EQUITY
Sector Financial Services
Industry Banks - Regional
CEO Mr. Paul A. Perrault
Exch · Country NYQ · United States
Market Cap 2.37B
Enterprise Value 2.44B
Income 117.39M
Sales 632.88M
FCF (ttm) —
Book/sh 29.81
Cash/sh 14.43
Employees 1,972
Insider 10d —
IPO Jun 28, 2000
Div forward ($/yr)
Div TTM ($/yr)
Dividend Yield
Ex-Div Date
5Y Avg Yield
Yield vs 5Y Avg
Payout 94.00%
P/E 20.61
Forward P/E 8.24
PEG 2.60
P/S 3.74
P/B 0.95
P/C —
EV/EBITDA —
EV/Sales 3.86
Quick Ratio —
Current Ratio —
Debt/Eq —
LT Debt/Eq —
EPS (ttm) 1.37
EPS next Y 3.43
EPS Growth 161.90%
Revenue Growth 141.80%
EPS Gr Q/Q 142.00%
Rev Gr Q/Q —
Earnings (next) 2026-07-23
Earnings (prior) 2026-04-29
ROA 0.70%
ROE 6.27%
ROIC —
Gross Margin 0.00%
Oper. Margin 44.31%
Profit Margin 18.55%
Shs Outstand 83.82M
Shs Float 78.16M
Insider Own 1.35%
Instit Own 97.16%
Short Float 4.41%
Short Ratio 4.55
Short Interest 3.66M
52W High 32.83
vs 52W High -14.01%
52W Low 22.81
vs 52W Low 23.76%
Beta —
Impl. Vol. 2.28%
Rel Volume 0.18
Avg Volume 823.90K
Volume 147.75K
Target (mean) $32.67
Tgt Median $32.00
Tgt Low $30.00
Tgt High $38.00
# Analysts 6
Recom Buy
Prev Close $28.29
Price $28.23
Change -0.21%
About

Beacon Financial Corporation operates as the bank holding company for Beacon Bank & Trust that provides various banking services in the United States and internationally. The company accepts commercial, municipal, and retail deposits. It originates mortgage loans on commercial and residential real estate, as well as commercial loans and leases. It is also involved in investment in debt and equity securities; and offers cash management, trust, and investment advisory services. In addition, the company provides specialty equipment financing and SBA lending, and online and mobile banking services, as well as wealth management services to individuals, families, endowments, and foundations. Beacon Financial Corporation was founded in 1846 and is headquartered in Boston, Massachusetts.

Valuation Models

Price estimates from analyst targets and simple models.

1. Analyst consensus
$32.67
Mean price target
2. Current target
$28.23
Latest analyst target
3. DCF / Fair value
$20.55
Fallback: EPS × 15 (assumed fair P/E). No FCF data; use with …
Ratings
Current target
$28.23
Low
$30.00
High
$38.00
Mean
$32.67

Latest analyst rating changes

Date Action Analyst Rating Change Price Target
2026-05-04 main Piper Sandler Overweight → Overweight $33
2026-05-01 main RBC Capital Sector Perform → Sector Perform $31
2026-05-01 main Keefe, Bruyette & Woods Outperform → Outperform $33
2026-01-30 main RBC Capital Sector Perform → Sector Perform $31
2026-01-30 main Keefe, Bruyette & Woods Outperform → Outperform $36
2025-10-10 up Keefe, Bruyette & Woods Market Perform → Outperform $33
2025-09-03 main Keefe, Bruyette & Woods Market Perform → Market Perform $33
2025-04-28 reit RBC Capital Sector Perform → Sector Perform $31
Insider Transactions
Filed Date Insider Relationship Transaction Shares Price Value SEC
2026-02-26 MCCURDY MICHAEL W Officer — 17,333 $31.04 $538,016
2025-11-04 CALLAHAN MARY ANNE Director — 4,000 $24.67 $98,680
2025-11-04 HOLLISTER THOMAS J Director — 4,200 $24.66 $103,572
2025-11-03 CARLSON CARL M Chief Financial Officer — 2,000 $24.69 $49,380
2025-11-03 HUGHES WILLIAM H. III Director — 635 $24.26 $15,405
2025-09-19 PERRAULT PAUL A Chief Executive Officer — 17,921 $0.00 $0
2025-09-19 CARLSON CARL M Chief Financial Officer — 7,879 $0.00 $0
2025-09-19 MEIKLEJOHN MARK J Officer — 6,341 $0.00 $0
2025-09-19 MCCURDY MICHAEL W Officer — 7,879 $0.00 $0
2025-09-12 HILL WILLARD I JR Director — 1,000 $25.96 $25,960
Financials
Statement View
Amounts in millions (2 decimals, no suffix) • EPS per share (2 decimals) • Trend = period evolution • YoY Growth = previous period %
Line Item Trend 2025-12-31 2024-12-31 2023-12-31 2022-12-31
Total Revenue
552.99
+55.53%
355.56
-4.24%
371.31
+13.20%
328.02
Operating Revenue
552.99
+55.53%
355.56
-4.24%
371.31
+13.20%
328.02
Selling General And Administration
204.99
+30.56%
157.01
+3.66%
151.46
+24.51%
121.64
Selling And Marketing Expense
5.98
+14.10%
5.24
+10.92%
4.72
-5.14%
4.98
General And Administrative Expense
199.01
+31.13%
151.77
+3.43%
146.74
+25.78%
116.66
Salaries And Wages
191.20
+33.04%
143.72
+3.48%
138.90
+22.39%
113.49
Reconciled Depreciation
24.78
+69.29%
14.64
-8.52%
16.00
+145.35%
6.52
Total Unusual Items
-61.70
-1368.63%
-4.20
+43.31%
-7.41
-229.52%
-2.25
Total Unusual Items Excluding Goodwill
-61.70
-1368.63%
-4.20
+43.31%
-7.41
-229.52%
-2.25
Special Income Charges
-61.70
-1368.63%
-4.20
+43.31%
-7.41
-229.52%
-2.25
Restructuring And Mergern Acquisition
61.70
+1368.63%
4.20
-43.31%
7.41
+229.52%
2.25
Net Income
90.27
+31.37%
68.72
-8.38%
75.00
-31.66%
109.74
Pretax Income
121.86
+32.91%
91.69
-2.37%
93.91
-32.89%
139.95
Net Interest Income
503.11
+52.65%
329.58
-2.98%
339.71
+13.32%
299.77
Interest Expense
329.68
+10.29%
298.94
+25.83%
237.58
+423.12%
45.41
Interest Income
832.79
+32.50%
628.52
+8.87%
577.29
+67.24%
345.19
Gain On Sale Of Security
1.41
-30.09%
2.02
-61.62%
5.25
+17.69%
4.46
Tax Provision
31.59
+37.50%
22.98
+21.47%
18.91
-37.38%
30.20
Tax Rate For Calcs
0.00
+3.45%
0.00
+24.67%
0.00
-6.87%
0.00
Tax Effect Of Unusual Items
-15.99
-1419.35%
-1.05
+29.33%
-1.49
-206.88%
-0.49
Net Income Including Noncontrolling Interests
90.27
+31.37%
68.72
-8.38%
75.00
-31.66%
109.74
Net Income From Continuing Operation Net Minority Interest
90.27
+31.37%
68.72
-8.38%
75.00
-31.66%
109.74
Net Income From Continuing And Discontinued Operation
90.27
+31.37%
68.72
-8.38%
75.00
-31.66%
109.74
Net Income Continuous Operations
90.27
+31.37%
68.72
-8.38%
75.00
-31.66%
109.74
Minority Interests
—
—
—
—
Normalized Income
135.97
+89.21%
71.86
-11.19%
80.92
-27.43%
111.51
Net Income Common Stockholders
90.27
+31.37%
68.72
-8.38%
75.00
-31.66%
109.74
Diluted EPS
1.03
-43.82%
1.83
-9.41%
2.02
-40.14%
3.38
Basic EPS
1.03
-43.82%
1.83
-9.41%
2.02
-40.14%
3.38
Basic Average Shares
87.43
+133.94%
37.37
+0.85%
37.06
+14.47%
32.37
Diluted Average Shares
87.75
+133.96%
37.51
+0.96%
37.15
+14.35%
32.49
Diluted NI Availto Com Stockholders
90.27
+31.37%
68.72
-8.38%
75.00
-31.66%
109.74
Amortization
15.22
+125.69%
6.75
-13.95%
7.84
+1487.04%
0.49
Amortization Of Intangibles Income Statement
15.22
+125.69%
6.75
-13.95%
7.84
+1487.04%
0.49
Depreciation Amortization Depletion Income Statement
15.22
+125.69%
6.75
-13.95%
7.84
+1487.04%
0.49
Depreciation And Amortization In Income Statement
15.22
+125.69%
6.75
-13.95%
7.84
+1487.04%
0.49
Insurance And Claims
7.81
-2.88%
8.04
+2.55%
7.84
+146.90%
3.18
Occupancy And Equipment
74.58
+50.89%
49.43
+4.71%
47.21
+28.16%
36.84
Other Non Interest Expense
25.16
+45.00%
17.35
-5.60%
18.38
+38.59%
13.26
Professional Expense And Contract Services Expense
8.09
+13.40%
7.13
-1.29%
7.23
+42.81%
5.06
Line Item Trend 2025-12-31 2024-12-31 2023-12-31 2022-12-31
Total Assets
23,220.37
+95.04%
11,905.33
+4.60%
11,382.26
+23.91%
9,185.84
Cash And Cash Equivalents
2,041.74
+275.55%
543.67
+308.69%
133.03
-65.26%
382.96
Cash Financial
201.56
+211.66%
64.67
+87.38%
34.51
-82.00%
191.77
Other Short Term Investments
1,688.67
+88.69%
894.95
-2.31%
916.16
+39.52%
656.66
Net PPE
245.29
+88.24%
130.31
+7.95%
120.72
+32.84%
90.88
Gross PPE
358.22
+53.23%
233.77
+5.72%
221.12
+20.77%
183.09
Accumulated Depreciation
-112.93
-9.14%
-103.47
-3.05%
-100.41
-8.88%
-92.22
Land And Improvements
27.20
+76.46%
15.42
-0.16%
15.44
+25.23%
12.33
Buildings And Improvements
177.27
+57.72%
112.40
+1.92%
110.28
+19.44%
92.33
Machinery Furniture Equipment
69.50
+12.72%
61.65
-3.13%
63.64
+9.58%
58.08
Other Properties
84.24
+90.15%
44.30
+39.49%
31.76
+56.01%
20.36
Goodwill And Other Intangible Assets
541.17
+109.20%
258.68
-2.54%
265.43
+63.63%
162.21
Goodwill
351.61
+45.76%
241.22
+0.00%
241.22
+50.36%
160.43
Other Intangible Assets
189.56
+985.63%
17.46
-27.87%
24.21
+1259.18%
1.78
Investments And Advances
1,688.67
+88.69%
894.95
-2.31%
916.16
+39.52%
656.66
Total Liabilities Net Minority Interest
20,724.31
+93.99%
10,683.39
+4.91%
10,183.61
+24.29%
8,193.71
Payables And Accrued Expenses
—
—
—
193.22
Current Accrued Expenses
—
—
—
193.22
Current Debt And Capital Lease Obligation
544.45
-59.91%
1,357.96
—
—
Current Debt
544.45
-59.91%
1,357.96
—
—
Other Current Borrowings
544.45
-59.91%
1,357.96
—
—
Long Term Debt And Capital Lease Obligation
334.63
+61.92%
206.67
-85.33%
1,408.67
-2.99%
1,452.14
Long Term Debt
243.91
+50.67%
161.88
-88.24%
1,376.67
-3.91%
1,432.65
Long Term Capital Lease Obligation
90.71
+102.55%
44.78
+39.96%
32.00
+64.23%
19.48
Long Term Provisions
13.75
+129.83%
5.98
-69.74%
19.77
-4.05%
20.60
Stockholders Equity
2,496.06
+104.27%
1,221.94
+1.94%
1,198.64
+20.82%
992.12
Common Stock Equity
2,496.06
+104.27%
1,221.94
+1.94%
1,198.64
+20.82%
992.12
Capital Stock
0.90
-7.63%
0.97
+0.00%
0.97
+13.85%
0.85
Common Stock
0.90
-7.63%
0.97
+0.00%
0.97
+13.85%
0.85
Share Issued
89.58
+121.89%
40.37
-0.14%
40.42
+13.80%
35.52
Ordinary Shares Number
83.82
+123.98%
37.42
+0.23%
37.34
+15.68%
32.27
Treasury Shares Number
5.76
+95.39%
2.95
-4.56%
3.09
-4.88%
3.25
Additional Paid In Capital
2,171.89
+140.63%
902.58
-0.01%
902.66
+22.63%
736.07
Retained Earnings
485.86
+5.87%
458.94
+4.61%
438.72
+6.48%
412.02
Gains Losses Not Affecting Retained Earnings
-20.00
+62.18%
-52.88
-0.16%
-52.80
+14.77%
-61.95
Treasury Stock
142.58
+62.62%
87.68
-3.56%
90.91
-4.18%
94.87
Other Equity Adjustments
-20.00
+62.18%
-52.88
-0.16%
-52.80
+14.77%
-61.95
Total Equity Gross Minority Interest
2,496.06
+104.27%
1,221.94
+1.94%
1,198.64
+20.82%
992.12
Total Capitalization
2,739.97
+98.00%
1,383.82
-46.27%
2,575.31
+6.21%
2,424.78
Invested Capital
3,284.42
+19.79%
2,741.78
+6.46%
2,575.31
+6.21%
2,424.78
Total Debt
879.07
-43.82%
1,564.63
+11.07%
1,408.67
-2.99%
1,452.14
Net Debt
—
976.18
-21.51%
1,243.64
+18.48%
1,049.69
Capital Lease Obligations
90.71
+102.55%
44.78
+39.96%
32.00
+64.23%
19.48
Net Tangible Assets
1,954.89
+102.95%
963.26
+3.22%
933.22
+12.45%
829.92
Tangible Book Value
1,954.89
+102.95%
963.26
+3.22%
933.22
+12.45%
829.92
Cash Cash Equivalents And Federal Funds Sold
2,129.18
+239.68%
626.83
+197.61%
210.62
-53.63%
454.27
Other Equity Interest
—
—
—
—
Line Item Trend 2025-12-31 2024-12-31 2023-12-31 2022-12-31
Operating Cash Flow
224.44
+113.85%
104.95
-9.99%
116.60
-3.45%
120.76
Cash Flow From Continuing Operating Activities
224.44
+113.85%
104.95
-9.99%
116.60
-3.45%
120.76
Net Income From Continuing Operations
90.27
+31.37%
68.72
-8.38%
75.00
-31.66%
109.74
Depreciation Amortization Depletion
24.78
+69.29%
14.64
-8.52%
16.00
+145.35%
6.52
Depreciation
9.55
+21.08%
7.89
-3.30%
8.16
+35.37%
6.03
Amortization Cash Flow
15.22
+125.69%
6.75
-13.95%
7.84
+1487.04%
0.49
Depreciation And Amortization
24.78
+69.29%
14.64
-8.52%
16.00
+145.35%
6.52
Amortization Of Intangibles
15.22
+125.69%
6.75
-13.95%
7.84
+1487.04%
0.49
Other Non Cash Items
81.83
+5691.51%
1.41
+193.76%
-1.51
-1161.27%
0.14
Stock Based Compensation
5.92
+75.12%
3.38
-9.21%
3.72
+8.92%
3.42
Asset Impairment Charge
0.41
-28.22%
0.57
+217.13%
0.18
+1.69%
0.18
Deferred Tax
22.35
+5364.06%
0.41
-97.47%
16.17
+271.06%
4.36
Deferred Income Tax
22.35
+5364.06%
0.41
-97.47%
16.17
+271.06%
4.36
Operating Gains Losses
-5.62
-490.64%
-0.95
+77.81%
-4.29
+3.86%
-4.46
Gain Loss On Investment Securities
0.00
0.00
+100.00%
-1.70
-430.84%
-0.32
Change In Working Capital
-6.05
-181.03%
7.47
+155.27%
-13.52
+5.67%
-14.33
Change In Payables And Accrued Expense
-89.37
-3181.79%
2.90
+111.15%
-26.01
-173.44%
35.42
Change In Accrued Expense
-89.37
-3181.79%
2.90
+111.15%
-26.01
-173.44%
35.42
Change In Other Working Capital
-1.93
+4.51%
-2.02
-58.94%
-1.27
-23.80%
-1.02
Change In Other Current Assets
85.24
+1193.52%
6.59
-52.10%
13.76
+128.24%
-48.73
Investing Cash Flow
2,300.41
+1747.82%
-139.60
+79.02%
-665.26
-19.29%
-557.69
Cash Flow From Continuing Investing Activities
2,300.41
+1747.82%
-139.60
+79.02%
-665.26
-19.29%
-557.69
Net PPE Purchase And Sale
-12.29
-146.50%
-4.99
+59.66%
-12.36
-67.26%
-7.39
Purchase Of PPE
-12.29
-146.50%
-4.99
+59.66%
-12.36
-67.26%
-7.39
Capital Expenditure
-12.29
-146.50%
-4.99
+59.66%
-12.36
-67.26%
-7.39
Net Investment Purchase And Sale
333.15
+1205.45%
25.52
-81.71%
139.50
+787.78%
-20.28
Purchase Of Investment
-33.13
+77.69%
-148.48
+59.09%
-362.90
-83.63%
-197.63
Sale Of Investment
366.28
+110.51%
174.00
-65.37%
502.40
+183.28%
177.35
Net Business Purchase And Sale
1,084.10
0.00
+100.00%
-80.21
0.00
Purchase Of Business
—
0.00
+100.00%
-80.21
0.00
Net Other Investing Changes
24.63
+721.76%
-3.96
-439.65%
-0.73
+97.87%
-34.40
Financing Cash Flow
-1,026.78
-330.59%
445.29
+49.06%
298.74
-39.30%
492.15
Cash Flow From Continuing Financing Activities
-1,026.78
-330.59%
445.29
+49.06%
298.74
-39.30%
492.15
Net Issuance Payments Of Debt
-1,289.43
-1002.21%
142.92
+230.80%
-109.26
-110.16%
1,075.18
Issuance Of Debt
1,057.75
-36.03%
1,653.44
-73.14%
6,155.00
-28.50%
8,608.61
Repayment Of Debt
-2,347.18
-55.39%
-1,510.52
+75.89%
-6,264.26
+16.85%
-7,533.43
Long Term Debt Issuance
1,057.75
-36.03%
1,653.44
-73.14%
6,155.00
-28.50%
8,608.61
Long Term Debt Payments
-2,347.18
-55.39%
-1,510.52
+75.89%
-6,264.26
+16.85%
-7,533.43
Net Long Term Debt Issuance
-1,289.43
-1002.21%
142.92
+230.80%
-109.26
-110.16%
1,075.18
Net Common Stock Issuance
—
0.00
0.00
+100.00%
-13.78
Common Stock Payments
—
0.00
0.00
+100.00%
-13.78
Common Stock Dividend Paid
-63.12
-31.34%
-48.06
-0.28%
-47.93
-19.58%
-40.08
Cash Dividends Paid
-63.12
-31.34%
-48.06
-0.28%
-47.93
-19.58%
-40.08
Repurchase Of Capital Stock
—
0.00
0.00
+100.00%
-13.78
Net Other Financing Charges
-2.37
-15.41%
-2.05
-47.77%
-1.39
+1.77%
-1.41
Changes In Cash
1,498.08
+264.81%
410.64
+264.30%
-249.93
-552.59%
55.22
Beginning Cash Position
543.67
+308.69%
133.03
-65.26%
382.96
+16.85%
327.74
End Cash Position
2,041.74
+275.55%
543.67
+308.69%
133.03
-65.26%
382.96
Free Cash Flow
212.16
+112.22%
99.97
-4.10%
104.24
-8.06%
113.37
Interest Paid Supplemental Data
328.86
+12.85%
291.43
+22.25%
238.40
+480.89%
41.04
Income Tax Paid Supplemental Data
14.97
+14.39%
13.09
+51.59%
8.63
-61.73%
22.55
Sale Of Business
1,084.10
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SEC Filings

Recent 10-K, 10-Q, 8-K, and Form 4 (insider) filings.

Trades
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