BBT
Neutral signalScored 2026-10-26 Drivers: fundamentals. Moteurs : fondamentaux.
Research, not advice.
À propos
Beacon Financial Corp.
- Nom
- Beacon Financial Corp.
- Secteur
- Financial Services
- Industrie
- Banks - Regional
- Bourse
- NYSE
- Capitalisation
- $2.6B
- Employés
- 1,972
- PDG
- Sean A. Gray
- Site web
- https://www.beaconfinancialcorporation.com
- Marché
- BURECCEFSCGCMGGRABPAX
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.
Price (1 year)
Live chart from TradingView — independent market data, as price context around the filings, not the Quorum score. EMA 50/200 and Bollinger load by default. When the exchange is known it is sent as EXCHANGE:SYMBOL; otherwise TradingView resolves the ticker best-effort.
ACHAT TOTAL: 3 450 titres (~104 983,50 $ US)
- Insiders
- Hollister Thomas J
- Total bought
-
$104,984
Avg buy (VWAP, 90d window) —
- Total sold
-
—
Avg sell (VWAP, 90d window) —
Total sold sums Form 4 code S in this window. Codes F, M, A and G are left out.
- Last activity
- 2026-10-26
- Last synced
-
2026-10-26 22:35:44
Sign in to request a sync of this company's price history and timing levels.
Insider holdings as a share of total assets aren't available for this company.
Avg buy and avg sell are volume-weighted prices (sum of shares × price, divided by shares) for Form 4 rows in this 90-day window that report both figures. A comparison with last close is market context for that average, not advice.
Recent Form 4
Filings in the 90-day window for this company. Value is shares × price from the filing. Research, not advice.
No Form 4 filings for this company in this window.
Congressional trades
STOCK Act disclosures (90-day window)
Amounts are STOCK Act brackets as disclosed. Quorum does not turn a bracket into an exact price or a midpoint.
No STOCK Act disclosures for this company in this window.
Recent trades
| Date | Representative | Type | Amount |
|---|---|---|---|
| 2025-09-25 | Lisa C. McClain | Sale (Full) | $1,001 - $15,000 |
| 2019-09-03 | Neal Patrick Dunn | Sale (Full) | $1,001 - $15,000 |
| 2019-06-19 | Rick Allen | Sale (Partial) | $15,001 - $50,000 |
| 2019-05-22 | Lois Frankel | Purchase | $1,001 - $15,000 |
| 2019-05-17 | John Henry Rutherford | Sale (Full) | $1,001 - $15,000 |
| 2019-03-28 | Lois Frankel | Purchase | $1,001 - $15,000 |
| 2019-03-20 | Lois Frankel | Purchase | $1,001 - $15,000 |
| 2018-04-27 | Rick Allen | Sale (Partial) | $15,001 - $50,000 |
| 2018-03-19 | John Henry Rutherford | Purchase | $1,001 - $15,000 |
| 2017-03-23 | Rick Allen | Sale (Full) | $1,001 - $15,000 |
| 2017-03-23 | Rick Allen | Sale (Partial) | $15,001 - $50,000 |
Signal
Neutral signalScored 2026-10-26 Drivers: fundamentals. Moteurs : fondamentaux.
BBT presents a critically weak financial foundation with a current ratio well below 0.2, near-zero cash flow generation, and an interest coverage ratio of only 0.37, making debt servicing highly precarious.
The first sentence of the analysis written for BBT on 2026-10-26 - a real excerpt, not a sample. The rest of it, the 0-100 score and the rating it produced are part of Plus. See plans.
Neutral signal
Drivers: fundamentals. Moteurs : fondamentaux.
Factor checklist — research, not advice
A check leans with a bullish reading. A cross leans against it. A dash is unavailable or mixed.
- Insider Supports a bullish reading. Open-market purchases outweigh sales
- Narrative Pulls against a bullish reading. Stored narrative reading is in the bearish band
- Congress Unavailable or mixed. No purchase disclosures in the stored window
- Timing Unavailable or mixed. No stored price series
- Financial indicators Unavailable or mixed. Current ratio 0.19 · operating margin 16% — readings disagree
Recent news
- 2026-10-25 Beacon Financial: 3 Key Takeaways for Long-Term Investors Beacon Financial reduced its commercial real estate concentration ratio to 295%. Fee revenue currently generates approximately 11% of total revenue.
- 2026-10-22 Beacon Financial Corporation (BBT) Q3 2026 Earnings Call Transcript Beacon Financial Corporation ( BBT ) Q3 2026 Earnings Call October 22, 2026 1:30 PM EDT Company Participants Dario Hernandez - VP & Corporate Counsel Sean Gray - President, CEO & Director Carl Carlson - Chief Financial & Strategy Officer Mark Meiklejohn - Chief Credit Officer Michael McCurdy - Chief Banking Officer Conference Call Participants Feddie Strickland - Hovde Group, LLC, Research Division Justin Crowley - Piper Sandler & Co., Research Division Karl Shepard - RBC Capital Markets, Research Division David Konrad - Keefe, Bruyette, & Woods, Inc., Research Division Stephen Moss - Raymond James & Associates, Inc., Research Division Laura Havener Hunsicker - Seaport Research Partners Daniel Cardenas - Brean Capital, LLC, Research Division Presentation Operator Hello, everyone. Thank you for joining us, and welcome to the Beacon Financial Corporation Third Quarter 2026 Earnings Conference Call.
- 2026-10-21 Beacon (BBT) Reports Q3 Earnings: What Key Metrics Have to Say While the top- and bottom-line numbers for Beacon (BBT) give a sense of how the business performed in the quarter ended September 2026, it could be worth looking at how some of its key metrics compare to Wall Street estimates and year-ago values.
- 2026-10-21 Beacon Financial (BBT) Q3 Earnings and Revenues Lag Estimates Beacon Financial (BBT) came out with quarterly earnings of $0.77 per share, missing the Zacks Consensus Estimate of $0.78 per share. This compares to earnings of $0.44 per share a year ago.
- 2026-10-21 Beacon Financial Corporation Announces Third Quarter Results Net Income of $61.2 million , EPS of $0.73 Operating Earnings of $64.7 million , Operating EPS of $0.77 Quarterly Dividend of $0.3225 Board Increases Stock Buyback Authorization to $125 million BOSTON, Oct. 21, 2026 (GLOBE NEWSWIRE) -- Beacon Financial Corporation (NYSE: BBT) (the “Company”) today announced net income of $61.2 million, or $0.73 per basic and diluted share, for the third quarter of 2026, compared to $64.4 million, or $0.77 per basic and diluted share, for the second quarter of 2026, and a net loss of $(4.2) million, or $(0.05) per basic share, for the third quarter of 2025. The Company reported operating earnings after tax (non-GAAP) of $64.7 million, or $0.77 per basic and diluted share, for the third quarter of 2026, compared to operating earnings after tax (non-GAAP) of $64.4 million, or $0.77 per basic and diluted share, for the second quarter of 2026, and $34.0 million, or $0.39 per basic and diluted share, for the third quarter of 2025.
- 2026-10-14 Beacon Financial (BBT) Reports Next Week: Wall Street Expects Earnings Growth Beacon (BBT) doesn''t possess the right combination of the two key ingredients for a likely earnings beat in its upcoming report. Get prepared with the key expectations.
- 2026-10-01 Beacon Financial Corporation (NYSE:BBT) Stock Has Average Target Price of $32.50 According to Brokerages Shares of Beacon Financial Corporation (NYSE: BBT - Get Free Report) have been given an average rating of "Hold" by the seven ratings firms that are currently covering the company, Marketbeat Ratings reports. Five equities research analysts have rated the stock with a hold recommendation and two have given a buy recommendation to the company. The
- 2026-09-30 Beacon Financial Corporation Announces Third Quarter 2026 Earnings Release Date and Conference Call BOSTON, Sept. 30, 2026 (GLOBE NEWSWIRE) -- Beacon Financial Corporation (NYSE: BBT) announced today that it will report third quarter 2026 earnings at the close of business on Wednesday, October 21, 2026. Management will host a conference call to review this information at 1:30 PM Eastern Time on Thursday, October 22, 2026.
- 2026-09-21 Beacon Financial Corporation Announces CEO Transition: Sean A. Gray Appointed Chief Executive Officer; Paul A. BOSTON, Sept. 21, 2026 (GLOBE NEWSWIRE) -- Beacon Financial Corporation (NYSE: BBT) (the “Company”), the holding company of Beacon Bank (the “Bank”), today announced that the joint Board of Directors of the Company and the Bank unanimously appointed Sean A. Gray as Chief Executive Officer of the Company and the Bank, effective September 21, 2026. Mr. Gray will also serve as a member of the Boards of the Company and the Bank. Mr. Gray''s appointment is the result of the Company''s succession planning process conducted by the Corporate Governance and Nominating Committee of the Board and Richard Perkey of Caldwell Partners in preparation for the retirement of Paul A. Perrault, who retired today as Chief Executive Officer of the Company and the Bank. His retirement is the culmination of a distinguished banking career spanning more than five decades. Mr. Perrault will remain with the Company in a consulting capacity for one year to support a smooth and orderly transition.
- 2026-09-09 Regional Bank CEO Sells 4,333 Shares As a Result of Tax Withholding The transaction involved 4,333 shares with an estimated value of ~$131,680 based on the $30.39 per-share execution price. The disposition involved shares equal to 1% of the stake held by the CEO before the filing.
Market snapshot
Financial ratios
| Metric | Trend | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
|---|---|---|---|---|---|---|
| Gross Profit Margin | 51.1% | 55.5% | 60.6% | 87.8% | 91.9% | |
| Ebit Margin | 16.0% | 12.4% | 12.9% | 26.0% | 32.3% | |
| Ebitda Margin | 19.3% | 14.6% | 15.6% | 27.5% | 33.8% | |
| Operating Profit Margin | 16.0% | 12.4% | 12.9% | 26.0% | 32.3% | |
| Pretax Profit Margin | 16.0% | 12.4% | 12.9% | 26.0% | 32.3% | |
| Continuous Operations Profit Margin | 11.9% | 9.5% | 11.5% | 21.1% | 25.8% | |
| Net Profit Margin | 11.9% | 9.5% | 11.5% | 21.1% | 25.8% | |
| Bottom Line Profit Margin | 11.9% | 9.5% | 11.5% | 21.1% | 25.8% | |
| Current Ratio | 0.186 | 0.140 | 0.123 | 0.155 | 0.145 | |
| Quick Ratio | 0.186 | 0.140 | 0.123 | 0.155 | 0.145 | |
| Solvency Ratio | 0.006 | 0.007 | 0.008 | 0.012 | 0.016 | |
| Cash Ratio | 0.102 | 0.053 | 0.016 | 0.057 | 0.045 | |
| Price To Earnings Ratio | 25.602 | 39.486 | 30.832 | 29.458 | 23.593 | |
| Price To Earnings Growth Ratio | 0.595 | -3.740 | -1.490 | -1.868 | -0.192 | |
| Forward Price To Earnings Growth Ratio | 0.595 | -3.740 | -1.490 | -1.868 | -0.192 | |
| Price To Earnings Diluted Ratio | 25.602 | 39.762 | 31.025 | 29.604 | 23.791 | |
| Price To Earnings Diluted Growth Ratio | 0.581 | -3.742 | -1.492 | -1.912 | -0.194 | |
| Price To Book Ratio | 0.923 | 1.978 | 1.793 | 2.746 | 2.813 | |
| Price To Sales Ratio | 3.035 | 3.757 | 3.543 | 6.216 | 6.077 | |
| Price To Free Cash Flow Ratio | 0.000 | 24.178 | 20.614 | 24.033 | 21.801 | |
| Price To Operating Cash Flow Ratio | 0.000 | 23.029 | 18.429 | 22.563 | 21.018 | |
| Debt To Assets Ratio | 0.038 | 0.131 | 0.124 | 0.158 | 0.044 | |
| Debt To Equity Ratio | 0.352 | 1.280 | 1.175 | 1.464 | 0.380 | |
| Debt To Capital Ratio | 0.260 | 0.561 | 0.540 | 0.594 | 0.275 | |
| Long Term Debt To Capital Ratio | 0.089 | 0.117 | 0.535 | 0.591 | 0.264 | |
| Financial Leverage Ratio | 9.303 | 9.743 | 9.496 | 9.259 | 8.643 | |
| Working Capital Turnover Ratio | -0.060 | -0.079 | -0.092 | -0.074 | -0.076 | |
| Operating Cash Flow Ratio | 0.000 | 0.010 | 0.014 | 0.018 | 0.018 | |
| Operating Cash Flow Sales Ratio | 0.000 | 0.163 | 0.192 | 0.275 | 0.289 | |
| Free Cash Flow Operating Cash Flow Ratio | 0.000 | 0.953 | 0.894 | 0.939 | 0.964 | |
| Debt Service Coverage Ratio | 0.132 | 0.047 | 0.413 | 2.322 | 3.307 | |
| Interest Coverage Ratio | 0.370 | 0.303 | 0.378 | 2.668 | 3.932 | |
| Short Term Operating Cash Flow Coverage Ratio | 0.000 | 0.077 | 0.000 | 0.000 | 0.000 | |
| Operating Cash Flow Coverage Ratio | 0.000 | 0.067 | 0.083 | 0.083 | 0.353 | |
| Capital Expenditure Coverage Ratio | 0.000 | 21.054 | 9.436 | 16.346 | 27.816 | |
| Dividend Paid And Capex Coverage Ratio | 0.000 | 1.979 | 1.934 | 2.544 | 3.153 | |
| Dividend Payout Ratio | 0.835 | 0.788 | 0.689 | 0.433 | 0.316 | |
| Enterprise Value Multiple | 7.784 | 36.515 | 36.306 | 31.527 | 18.305 |
Sparkline shows each ratio oldest → newest (left → right).
How the latest year compares
For each ratio: its most recent value, the change versus one year earlier, and versus its 5-year average. ▲ higher ▼ lower
| Metric | Current | vs 1Y ago | vs 5Y avg |
|---|---|---|---|
| Gross Profit Margin | 51.1% | ▼-4.4% | ▼-18.2% |
| Ebit Margin | 16.1% | ▲3.7% | ▼-3.9% |
| Ebitda Margin | 19.3% | ▲4.7% | ▼-2.8% |
| Operating Profit Margin | 16.1% | ▲3.7% | ▼-3.9% |
| Pretax Profit Margin | 16.1% | ▲3.7% | ▼-3.9% |
| Continuous Operations Profit Margin | 11.9% | ▲2.4% | ▼-4.0% |
| Net Profit Margin | 11.9% | ▲2.4% | ▼-4.0% |
| Bottom Line Profit Margin | 11.9% | ▲2.4% | ▼-4.0% |
| Current Ratio | 0.186 | ▲0.046 | ▲0.036 |
| Quick Ratio | 0.186 | ▲0.046 | ▲0.036 |
| Solvency Ratio | 0.006 | ▼-0.002 | ▼-0.004 |
| Cash Ratio | 0.102 | ▲0.049 | ▲0.047 |
| Price To Earnings Ratio | 25.602 | ▼-13.884 | ▼-4.192 |
| Price To Earnings Growth Ratio | 0.595 | ▲4.334 | ▲1.934 |
| Forward Price To Earnings Growth Ratio | 0.595 | ▲4.334 | ▲1.934 |
| Price To Earnings Diluted Ratio | 25.602 | ▼-14.160 | ▼-4.355 |
| Price To Earnings Diluted Growth Ratio | 0.581 | ▲4.324 | ▲1.933 |
| Price To Book Ratio | 0.923 | ▼-1.055 | ▼-1.127 |
| Price To Sales Ratio | 3.035 | ▼-0.722 | ▼-1.491 |
| Price To Free Cash Flow Ratio | 0.000 | ▼-24.177 | ▼-18.125 |
| Price To Operating Cash Flow Ratio | 0.000 | ▼-23.029 | ▼-17.008 |
| Debt To Assets Ratio | 0.038 | ▼-0.094 | ▼-0.061 |
| Debt To Equity Ratio | 0.352 | ▼-0.928 | ▼-0.578 |
| Debt To Capital Ratio | 0.261 | ▼-0.301 | ▼-0.186 |
| Long Term Debt To Capital Ratio | 0.089 | ▼-0.028 | ▼-0.230 |
| Financial Leverage Ratio | 9.303 | ▼-0.440 | ▲0.014 |
| Working Capital Turnover Ratio | -0.060 | ▲0.018 | ▲0.016 |
| Operating Cash Flow Ratio | 0.000 | ▼-0.010 | ▼-0.012 |
| Operating Cash Flow Sales Ratio | 0.000 | ▼-0.163 | ▼-0.184 |
| Free Cash Flow Operating Cash Flow Ratio | 0.000 | ▼-0.953 | ▼-0.750 |
| Debt Service Coverage Ratio | 0.132 | ▲0.085 | ▼-1.112 |
| Interest Coverage Ratio | 0.370 | ▲0.067 | ▼-1.161 |
| Short Term Operating Cash Flow Coverage Ratio | 0.000 | ▼-0.077 | ▼-0.015 |
| Operating Cash Flow Coverage Ratio | 0.000 | ▼-0.067 | ▼-0.117 |
| Capital Expenditure Coverage Ratio | 0.000 | ▼-21.054 | ▼-14.930 |
| Dividend Paid And Capex Coverage Ratio | 0.000 | ▼-1.979 | ▼-1.922 |
| Dividend Payout Ratio | 0.835 | ▲0.047 | ▲0.223 |
| Enterprise Value Multiple | 7.784 | ▼-28.731 | ▼-18.303 |
Key metrics
| Metric | Trend | 2025 | 2024 | 2023 | 2022 | 2021 |
|---|---|---|---|---|---|---|
| Market cap | $2.30B | $2.42B | $2.15B | $2.72B | $2.80B | |
| Enterprise value | $1.14B | $3.44B | $3.42B | $3.79B | $2.85B | |
| EV / Sales | 1.50x | 5.34x | 5.65x | 8.65x | 6.19x | |
| EV / Op. cash flow | 0.00x | 32.76x | 29.37x | 31.42x | 21.39x | |
| EV / Free cash flow | 0.00x | 34.39x | 32.85x | 33.46x | 22.19x | |
| EV / EBITDA | 7.78x | 36.52x | 36.31x | 31.53x | 18.30x | |
| Net debt / EBITDA | -7.93x | 10.84x | 13.52x | 8.88x | 0.32x | |
| Current ratio | 0.19x | 0.14x | 0.12x | 0.15x | 0.14x | |
| Income quality | 0.00x | 1.53x | 1.55x | 1.10x | 1.15x | |
| Graham number | $26 | $15 | $16 | $16 | $17 | |
| Graham net-net | -$194 | -$109 | -$106 | -$79 | -$67 | |
| Tax burden | 74.1% | 76.7% | 88.9% | 81.3% | 79.6% | |
| Interest burden | 100.0% | 100.0% | 100.0% | 100.0% | 100.0% | |
| Working capital | -$16.33B | -$8.82B | -$7.50B | -$5.68B | -$6.16B | |
| Invested capital | -$15.54B | -$8.43B | -$7.11B | -$5.42B | -$5.91B | |
| Return on assets | 0.4% | 0.5% | 0.6% | 1.0% | 1.4% | |
| Operating ROA | 0.7% | 0.7% | 0.8% | 1.3% | 1.4% | |
| Return on tangible assets | 0.4% | 0.5% | 0.6% | 1.0% | 1.4% | |
| Return on equity | 3.6% | 5.0% | 5.8% | 9.3% | 11.9% | |
| Return on invested capital | 2.4% | 2.0% | 2.5% | 3.7% | 8.5% | |
| Return on capital employed | 3.9% | 4.8% | 2.8% | 4.6% | 10.7% | |
| Earnings yield | 3.9% | 2.5% | 3.2% | 3.4% | 4.2% | |
| Free cash flow yield | 0.0% | 4.1% | 4.9% | 4.2% | 4.6% | |
| Capex / Op. cash flow | 0.0% | 4.7% | 10.6% | 6.1% | 3.6% | |
| Capex / Depreciation | 0.0% | 34.1% | 77.2% | 113.3% | 71.9% | |
| Capex / Sales | 0.0% | 0.8% | 2.0% | 1.7% | 1.0% | |
| SG&A / Sales | 27.9% | 28.7% | 30.8% | 41.2% | 39.4% | |
| R&D / Sales | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | |
| Stock comp / Sales | 0.0% | 0.5% | 0.6% | 0.8% | 0.6% | |
| Intangibles / Total assets | 2.3% | 2.2% | 2.3% | 1.8% | 1.9% | |
| Days sales outstanding | 0d | 0d | 0d | 0d | 0d | |
| Days payables outstanding | 0d | 0d | 0d | 0d | 0d | |
| Operating cycle | 0d | 0d | 0d | 0d | 0d | |
| Cash conversion cycle | 0d | 0d | 0d | 0d | 0d |
Change by theme
Grouped by what each metric measures. Each figure is the change over the period shown — ▲ up ▼ down versus then.
Change over 1 year
Valuation
Market cap ▼-4.7%EV / Sales ▼-71.9%EV / EBITDA ▼-78.7%EV / Op. cash flow ▼-32.757Earnings yield ▲+0.014Graham number ▲+10.535
Profitability
Return on equity ▼-0.014Return on assets ▼-0.001Return on invested capital ▲+0.004Return on capital employed ▼-0.010Operating ROA +0.000Income quality ▼-1.527Tax burden ▼-0.026
Efficiency
Days sales outstanding n/aDays payables outstanding n/aOperating cycle n/aCash conversion cycle n/aCapex / Sales ▼-0.008R&D / Sales n/a
Balance-sheet strength
Current ratio ▲+0.046Net debt / EBITDA ▼-18.773Working capital ▼-7507698000.000Invested capital ▼-7110223000.000Intangibles / Total assets ▲+0.002
Change over 5 years
Valuation
Market cap ▼-17.7%EV / Sales ▼-75.7%EV / EBITDA ▼-57.5%EV / Op. cash flow ▼-21.394Earnings yield ▼-0.003Graham number ▲+9.215
Profitability
Return on equity ▼-0.083Return on assets ▼-0.010Return on invested capital ▼-0.061Return on capital employed ▼-0.068Operating ROA ▼-0.007Income quality ▼-1.154Tax burden ▼-0.056
Efficiency
Days sales outstanding n/aDays payables outstanding n/aOperating cycle n/aCash conversion cycle n/aCapex / Sales ▼-0.010R&D / Sales n/a
Balance-sheet strength
Current ratio ▲+0.041Net debt / EBITDA ▼-8.251Working capital ▼-10168926000.000Invested capital ▼-9636030000.000Intangibles / Total assets ▲+0.004
Employee count
No employee-count data synced.