Symbols / BBT $31.27 -0.45% Beacon Financial Corporation

Financial Services • Banks - Regional • United States • NYQ
BBT Chart
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About

Beacon Financial Corporation operates as the bank holding company for Beacon Bank & Trust that provides various banking services in New England, New York, 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. The company is also involved in investment in debt and equity securities and offers cash management, trust, and investment advisory services. In addition, it provides specialty equipment financing and SBA lending, online and mobile banking services, as well as wealth management services to individuals, families, endowments, and foundations. The company was founded in 1846 and is headquartered in Boston, Massachusetts.

Fundamentals
Scroll to Statements
Market Cap 2.63B Enterprise Value 1.48B Income 90.27M Sales 511.61M Book/sh 29.70 Cash/sh 25.53
Dividend Yield 4.12% Payout 124.93% Employees 1972 IPO — P/E 30.36 Forward P/E 8.01
PEG 2.60 P/S 5.14 P/B 1.05 P/C — EV/EBITDA — EV/Sales 2.89
Quick Ratio — Current Ratio — Debt/Eq — LT Debt/Eq — EPS (ttm) 1.03 EPS next Y 3.91
EPS Growth 5.01% Revenue Growth 221.00% Earnings 2026-04-29 ROA 0.51% ROE 4.86% ROIC —
Gross Margin 0.00% Oper. Margin 58.28% Profit Margin 17.64% Shs Outstand 84.03M Shs Float 78.23M Short Float 4.85%
Short Ratio 4.68 Short Interest — 52W High 32.83 52W Low 22.81 Beta — Avg Volume 840.39K
Volume 421.17K Target Price $35.14 Recom Buy Prev Close $31.41 Price $31.27 Change -0.45%
Valuation Models

Price estimates from analyst targets and simple models.

1. Analyst consensus
$35.14
Mean price target
2. Current target
$31.27
Latest analyst target
3. DCF / Fair value
$15.45
Fallback: EPS × 15 (assumed fair P/E). No FCF data; use with …
Ratings
Current target
$31.27
Low
$33.00
High
$42.00
Mean
$35.14

Latest analyst rating changes

Date Action Analyst Rating Change Price Target
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 HOLLISTER THOMAS J Director — 4,200 $24.66 $103,572
2025-11-04 CALLAHAN MARY ANNE Director — 4,000 $24.67 $98,680
2025-11-03 HUGHES WILLIAM H. III Director — 635 $24.26 $15,405
2025-11-03 CARLSON CARL M Chief Financial Officer — 2,000 $24.69 $49,380
2025-09-19 PERRAULT PAUL A Chief Executive Officer — 17,921 $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
2025-09-19 CARLSON CARL M Chief Financial 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
—
1.83
-9.41%
2.02
-40.14%
3.38
Basic EPS
—
1.83
-9.41%
2.02
-40.14%
3.38
Basic Average Shares
—
37.37
+0.85%
37.06
+14.47%
32.37
Diluted Average Shares
—
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
—
—
—
SEC Filings

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

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