Beacon Financial Corporation (BBT) AI Stock Analysis

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

Beacon Financial Corporation increased its annual revenue from $460.7M in FY2021 to $759.3M in FY2025, reflecting an 18.0% increase in the latest fiscal year following a 4.9% decline in FY2022. Net margin shifted from 25.8% in FY2021 to 11.9% in FY2025, while net income rose to $90.3M compared to $61.0M in FY2024. In the latest quarter ended June 30, 2026, quarterly revenue grew 144.5% year-over-year, and quarterly earnings grew 211.0% year-over-year. For the trailing twelve months, revenue was $759.5M with diluted earnings per share of $3.70 and an operating margin of 46.1%.

As of June 30, 2026, the company held $240.7M in cash and short-term investments against $979.5M in total debt, resulting in net debt of $738.8M. Shareholders' equity stood at $2.54B alongside total assets of $22.25B, producing a debt-to-equity ratio of 0.39. In FY2025, operating cash flow reached $224.4M and free cash flow was $212.2M. Capital expenditures used $12.3M during FY2025, while dividends paid totaled $63.1M. Over five years, the company's share count increased by 67.9%.

At a share price of $27.50, Beacon Financial Corporation holds a market capitalization of $2.30B and an enterprise value of $2.08B. The stock trades at a trailing price-to-earnings ratio of 7.4x and a forward ratio of 8.2x, below the median of its US-listed Financial Services peers at 12.1x and 10.8x, respectively. It also trades at 0.9x book value and 3.0x sales, compared to 3.2x sales for peer medians. Over the past year, the stock returned 23.5%, outperforming the S&P 500 return of 16.8%, but its 5-year return of 18.0% trails the index return of 83.0%.

Beacon Financial Corporation pays a quarterly dividend, supported by 27 consecutive years of payments. The annualized forward payout is $1.29 per share, representing a dividend yield of 4.69% and a payout ratio of 47.9%. Over the past five years, dividend growth annualized at 3.7%. The last ex-dividend date was August 14, 2026.

Wall Street coverage consists of 1 Strong Buy, 2 Buy ratings, and 4 Hold ratings, with zero Sell or Strong Sell ratings. The mean price target is $34.00, representing an upside of 23.6% from the last close of $27.50. For the fiscal year ending December 31, 2026, consensus estimates project EPS of $3.04 on revenue of $885.9M. The company beat EPS estimates in 0 of the last 4 quarters, and the next earnings date is October 21, 2026.

This page is an AI-written research summary of Beacon Financial Corporation (BBT). The text was generated on October 30, 2026 from Quotelinks data as of October 16, 2026 (company profile, annual results, latest balance sheet, valuation, price performance and analyst estimates). An automatic check rejects any draft that contains a figure not found in that data. It is not investment advice; verify figures on the linked tabs before making decisions.

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