Beacon Financial Corp. (BBT)

NYSEFinancialsBanks - RegionalSnapshot 2026-10-23

$30.07+0.40%

Close 2026-10-23 · 1-day change

Investment OutlookAs of Oct 24, 2026

What could strengthen or challenge Beacon Financial Corp.’s outlook?

The long-term thesis, the evidence coming in, and the environment around it. Thesis dated Jul 8, 2026.

Higher potential upsideImproving expectations

Next-FY EPS estimate change · 30 days

+1.6%

+10% or more+5%0%−5%−10% or less

3.32 → 3.38 EPS · FY ending Dec 31, 2027 · 6 analysts

Higher risk of downsideWeakening expectations

One observable signal. This measures changing earnings expectations, not the probability of a gain or loss.

How this is measured

Change in the same fiscal period’s mean EPS estimate from Sep 24, 2026 to Oct 24, 2026: (new ÷ prior − 1). Contributor count changed from 6 to 6; this is not the number of analysts revising. Source: FMP consensus snapshots. The ±10% axis is a display range.

Measure / period	Management expectations	Analyst expectations
Quarter ending 2026-12-30
Revenue	—	225.09M
EPS	—	0.787
Annual ending 2026-12-31
Revenue	—	883.46M
EPS	—	3.024
Annual ending 2027-12-31
Revenue	—	920.44M
EPS	—	3.376

Management figures unavailable.

What the Thesis Depends On

4 published thesis conditions, with dated milestones shown separately.

Key Factor	Why It Matters	Current Status	Break Condition	Latest Evidence
Dividend per share maintains or exceeds $0.32 in 2026-Q1	It maintains a growing dividend, increasing from $0.18 to $0.32 per share in less than a year.	Intact	dividend per share falls below $0.32 in 2026-Q1	Dividend per share: $0.32 per share FY2026-Q2; GAAP. Published target: >=0.32 USD per share. The stored target says 2026-Q1; this source reports FY2026-Q2. Fiscal/calendar alignment needs review. Source published Aug 7, 20260.3225 USD/share · source valueSource reportLast status assessment Oct 24, 2026 Measurement source consolidated · GAAP FY2026-Q2 · Period ending Jun 30, 2026 Source: company_financial_results. Reference: be02248f-df28-4584-b309-784acaf765da. Source status: eligible. Compare required operating outcomes Compare scope, accounting basis and period before treating this evidence as progress against an annual requirement.
Net income improves to at least $46M in 2026-Q1	Beacon Financial is improving net income, reaching $46.2M in 2026-Q1 from a loss in 2025-Q3.	Intact	net income falls below $46M in 2026-Q1	Net income: $64.426M FY2026-Q2; GAAP. Published target: >=46M USD net income. The stored target says 2026-Q1; this source reports FY2026-Q2. Fiscal/calendar alignment needs review. Source published Aug 7, 202664,426,000 USD · source valueSource reportLast status assessment Oct 24, 2026 Measurement source consolidated · GAAP FY2026-Q2 · Period ending Jun 30, 2026 Source: company_financial_results. Reference: be02248f-df28-4584-b309-784acaf765da. Source status: eligible. Compare required operating outcomes Compare scope, accounting basis and period before treating this evidence as progress against an annual requirement.
Revenue growth remains at or above 0.1% annually	A primary condition in Beacon Financial Corp.'s published investment case. The stated target is >=0.1% YoY revenue growth.	Intact	Revenue growth falls below 0.1% annually	Revenue growth: 158.31% FY2026-Q2; GAAP. Published target: >=0.1% YoY revenue growth. Target period is not explicitly aligned with this observation. Source published Aug 7, 2026158.314639 percent · calculatedSource reportLast status assessment Oct 24, 2026 Measurement source consolidated · GAAP FY2026-Q2 · Period ending Jun 30, 2026 Source: company_financial_results. Reference: be02248f-df28-4584-b309-784acaf765da. Source status: eligible. Compare required operating outcomes Compare scope, accounting basis and period before treating this evidence as progress against an annual requirement.
Implement $50M share repurchase program	The company has a $50M share buyback program approved, showing strong capital allocation.	Intact	Buyback program is canceled or materially delayed	Direct metric needs a verified mapping The published measure or accounting basis is not supported by an exact source binding. Source date unavailableLast status assessment Oct 24, 2026Compare required operating outcomes Compare scope, accounting basis and period before treating this evidence as progress against an annual requirement.

Stored thesis · Jul 8, 2026. Latest Evidence uses source-matched measurements where available, alongside the last thesis-monitor assessment. Source periods and assessment dates are shown separately. A new measurement does not automatically change the published status or verify an older target.

Incoming Evidence

Compare these dated observations with the operating requirements above

Expectations trend

Same fiscal period

FY2027 · fiscal year ending 2027-12-31 · fmp

FY2027 EPS$3.38

$3.42 → $3.38 · observed estimates

FY2027 revenueUnavailable

Unavailable → Unavailable · observed estimates

Exact estimates & source dates

One fiscal period and provider throughout. At least five contributors are required for each plotted metric; missing coverage stays a gap. Axes show the observed range. Counts measure coverage, not revisions.

FY2027 estimate observations · fmp
Snapshot	EPS	Revenue	EPS / revenue analysts
2026-07-24	$3.42	Unavailable	7 / 4
2026-07-25	$3.42	Unavailable	7 / 4
2026-07-26	$3.42	Unavailable	7 / 4
2026-07-27	$3.42	Unavailable	6 / 4
2026-07-28	$3.42	Unavailable	7 / 4
2026-07-29	$3.42	Unavailable	7 / 4
2026-07-30	$3.41	Unavailable	7 / 4
2026-07-31	$3.40	Unavailable	7 / 3
2026-08-01	$3.40	Unavailable	7 / 3
2026-08-02	$3.37	Unavailable	6 / 3
2026-08-03	$3.38	$927,749,400	7 / 5
2026-08-04	$3.38	$927,749,400	7 / 5
2026-08-05	$3.32	$924,408,000	7 / 5
2026-08-06	$3.32	$924,408,000	7 / 5
2026-08-07	$3.32	Unavailable	6 / 4
2026-08-08	$3.32	$924,408,000	7 / 5
2026-08-09	$3.32	$924,408,000	7 / 5
2026-08-10	$3.32	$924,408,000	7 / 5
2026-08-11	$3.32	$924,408,000	7 / 5
2026-08-12	$3.32	$924,408,000	7 / 5
2026-08-13	$3.32	$924,408,000	7 / 5
2026-08-14	$3.32	Unavailable	6 / 4
2026-08-15	$3.32	Unavailable	6 / 4
2026-08-16	$3.32	Unavailable	6 / 4
2026-08-17	$3.32	Unavailable	6 / 4
2026-08-18	$3.32	Unavailable	6 / 4
2026-08-19	$3.32	Unavailable	6 / 4
2026-08-20	$3.32	Unavailable	6 / 4
2026-08-21	$3.32	Unavailable	6 / 4
2026-08-22	$3.32	Unavailable	6 / 4
2026-08-23	$3.32	Unavailable	6 / 4
2026-08-24	$3.32	Unavailable	6 / 4
2026-08-25	$3.32	Unavailable	6 / 4
2026-08-26	$3.32	Unavailable	6 / 4
2026-08-27	$3.32	Unavailable	6 / 4
2026-08-28	$3.32	Unavailable	6 / 4
2026-08-29	$3.32	Unavailable	6 / 4
2026-08-30	$3.32	Unavailable	6 / 4
2026-08-31	$3.32	Unavailable	6 / 4
2026-09-01	$3.32	Unavailable	6 / 4
2026-09-02	$3.32	Unavailable	6 / 4
2026-09-03	$3.32	Unavailable	6 / 4
2026-09-04	$3.32	Unavailable	6 / 4
2026-09-05	$3.32	Unavailable	6 / 4
2026-09-06	$3.32	Unavailable	6 / 4
2026-09-07	$3.32	Unavailable	6 / 4
2026-09-08	$3.32	Unavailable	6 / 4
2026-09-09	$3.32	Unavailable	6 / 4
2026-09-10	$3.32	Unavailable	6 / 4
2026-09-11	$3.32	Unavailable	6 / 4
2026-09-12	$3.32	Unavailable	6 / 4
2026-09-13	$3.32	Unavailable	6 / 4
2026-09-14	$3.32	Unavailable	6 / 4
2026-09-15	$3.32	Unavailable	6 / 4
2026-09-16	$3.32	Unavailable	6 / 4
2026-09-17	$3.32	Unavailable	6 / 4
2026-09-18	$3.32	Unavailable	6 / 4
2026-09-19	$3.32	Unavailable	6 / 4
2026-09-20	$3.32	Unavailable	6 / 4
2026-09-21	$3.32	Unavailable	6 / 4
2026-09-22	$3.32	Unavailable	6 / 4
2026-09-23	$3.32	Unavailable	6 / 4
2026-09-24	$3.32	Unavailable	6 / 4
2026-09-25	$3.32	Unavailable	6 / 4
2026-09-26	$3.32	Unavailable	6 / 4
2026-09-27	$3.32	Unavailable	6 / 4
2026-09-28	$3.32	Unavailable	6 / 4
2026-09-29	$3.32	Unavailable	6 / 4
2026-09-30	$3.32	Unavailable	6 / 4
2026-10-01	$3.32	Unavailable	6 / 4
2026-10-02	$3.32	Unavailable	6 / 4
2026-10-03	$3.32	Unavailable	6 / 4
2026-10-04	$3.32	Unavailable	6 / 4
2026-10-05	$3.32	Unavailable	6 / 4
2026-10-06	$3.32	Unavailable	6 / 4
2026-10-07	$3.32	Unavailable	6 / 4
2026-10-08	$3.32	Unavailable	6 / 4
2026-10-09	$3.32	Unavailable	6 / 4
2026-10-10	$3.32	Unavailable	6 / 4
2026-10-11	$3.32	Unavailable	6 / 4
2026-10-12	$3.32	Unavailable	6 / 4
2026-10-13	$3.32	Unavailable	6 / 4
2026-10-14	$3.32	Unavailable	6 / 4
2026-10-15	$3.32	Unavailable	6 / 4
2026-10-16	$3.32	Unavailable	6 / 4
2026-10-17	$3.32	Unavailable	6 / 4
2026-10-18	$3.32	Unavailable	6 / 4
2026-10-19	$3.32	Unavailable	6 / 4
2026-10-20	$3.32	Unavailable	6 / 4
2026-10-21	$3.32	Unavailable	6 / 4
2026-10-22	$3.32	Unavailable	6 / 4
2026-10-23	$3.33	Unavailable	6 / 4
2026-10-24	$3.38	Unavailable	6 / 4

Revenue and EPS estimates track expectations. They are not delivered results or like-for-like proof of a required annual path.

Compare required revenue and earnings

Analyst view

Monthly observations

Buy / Strong BuyHoldSell / Strong Sell

Exact monthly counts

Monthly rating snapshots · fmp. Missing snapshots are not zero.
Date	Buy*	Hold
2026-05-01	5	4
2026-06-01	3	4
2026-07-01	3	4
2026-08-01	3	4
2026-09-01	3	4
2026-10-01	3	4

*Buy includes Strong Buy; Sell includes Strong Sell. Monthly counts describe the analyst mix, not the firms behind each recent action.

Latest: 3 Buy / Strong Buy · 4 Hold · 0 Sell / Strong Sell

0 upgrades0 downgrades2 maintains

Recent actions · Sep 25–Oct 24 · 2 recorded

Price-target changes

30 days

○ Previous · ● Latest · common dollar scale

RBC CapitalOct 23

$33.00New observation · no comparable prior

$0$18.15$36.30

0 raises · 0 cuts · 0 unchanged · 1 without a comparable prior

How this is measured

Sep 25, 2026–Oct 24, 2026. Each firm's latest positive target is paired only with its immediately prior positive target from the same provider, at most 180 days earlier. Unmatched observations have one dot; conflicting observations are not compared.

Outlook in Brief

The evidence, the remaining questions, and what comes next

What's improving

No recovery evidence is reported in the available driver assessments.

Still unresolved / key risks

Dividend per share maintains or exceeds $0.32 in 2026-Q1Dividend per share: $0.32 per share
Net income improves to at least $46M in 2026-Q1Net income: $64.426M
Revenue growth remains at or above 0.1% annuallyRevenue growth: 158.31%
Implement $50M share repurchase programDirect metric needs a verified mapping

Next proof point

Next earnings date unavailable

Look for updated results and guidance against the published targets, plus direct evidence for unresolved drivers.

Review earnings

Bottom line

4 of 4 published conditions remain under pressure or need verification. The next results need to address those conditions.

The dated weekly assessment and its assumptions are available in Read detailed Outlook.

Historical risk context

Observed price history; separate from operating scenarios

Price sensitivity

0.7%Typical daily move · historical

Downside history

-16.9%Maximum drawdown · trailing year

Read detailed Outlook Company context, assumptions & risks

Beacon Financial Corp. outlook in detail

The weekly editorial context below is a separate assessment from the dated monitor evidence above. Recovery observations do not automatically change the published thesis. Unverified outside influences are hypotheses, not measured driver evidence.

Updated Oct 24, 2026

What kind of bet this is

BBT is a financial-sector business with recent financial performance in the top half of its industry, but fragile earnings quality and volatile management make this a mixed-quality thesis rather than a clear durable compounder. The thesis is intact, with medium confidence, while recent momentum has improved from a weak level.

What's priced into Beacon Financial Corp.

The valuation evidence is mixed: BBT is described as cheap versus peers, yet its valuation factor is rated expensive and the premium-versus-peer measure is high. The expectations gap is slightly negative, and the evidence says the fragility priced in is low, so the market does not appear to reflect the full range of execution and sector risks.

What the fundamentals likely do

Recent financial performance is strong, but the latest earnings miss and a history of misses keep near-term execution risk in view. Expense control remains a stated priority, yet expenses rose in Q3, while nonperforming assets also increased; the dividend was maintained and the repurchase authorization expanded. The sector backdrop is a headwind, and a guidance cut or falling rates would add pressure.

What Beacon Financial Corp. hinges on

Over the next few quarters, the thesis hinges on whether BBT can improve expense discipline and contain credit deterioration without cutting guidance. A shift toward lower rates would weigh on the sector, while continued earnings strength and higher guidance from sector bellwethers could support sector momentum.

Bottom line

For the 1-3 year view, BBT has improving momentum and strong recent financial performance, but its expensive valuation label, fragile earnings quality, and mixed execution leave important risks unresolved. The thesis remains intact, with the next guidance update and trends in expenses, credit, and rates as key signals. Not investment advice.

Not investment advice. Scores describe historical and current data; they are not forecasts of future returns. Consult a licensed advisor before making investment decisions.

Measure / period	Management expectations	Analyst expectations
Quarter ending 2026-12-30
Revenue	—	225.09M
EPS	—	0.787
Annual ending 2026-12-31
Revenue	—	883.46M
EPS	—	3.024
Annual ending 2027-12-31
Revenue	—	920.44M
EPS	—	3.376

Expectations trend

Same fiscal period

FY2027 · fiscal year ending 2027-12-31 · fmp

FY2027 EPS$3.38

$3.42 → $3.38 · observed estimates

FY2027 revenueUnavailable

Unavailable → Unavailable · observed estimates

Exact estimates & source dates

FY2027 estimate observations · fmp
Snapshot	EPS	Revenue	EPS / revenue analysts
2026-07-24	$3.42	Unavailable	7 / 4
2026-07-25	$3.42	Unavailable	7 / 4
2026-07-26	$3.42	Unavailable	7 / 4
2026-07-27	$3.42	Unavailable	6 / 4
2026-07-28	$3.42	Unavailable	7 / 4
2026-07-29	$3.42	Unavailable	7 / 4
2026-07-30	$3.41	Unavailable	7 / 4
2026-07-31	$3.40	Unavailable	7 / 3
2026-08-01	$3.40	Unavailable	7 / 3
2026-08-02	$3.37	Unavailable	6 / 3
2026-08-03	$3.38	$927,749,400	7 / 5
2026-08-04	$3.38	$927,749,400	7 / 5
2026-08-05	$3.32	$924,408,000	7 / 5
2026-08-06	$3.32	$924,408,000	7 / 5
2026-08-07	$3.32	Unavailable	6 / 4
2026-08-08	$3.32	$924,408,000	7 / 5
2026-08-09	$3.32	$924,408,000	7 / 5
2026-08-10	$3.32	$924,408,000	7 / 5
2026-08-11	$3.32	$924,408,000	7 / 5
2026-08-12	$3.32	$924,408,000	7 / 5
2026-08-13	$3.32	$924,408,000	7 / 5
2026-08-14	$3.32	Unavailable	6 / 4
2026-08-15	$3.32	Unavailable	6 / 4
2026-08-16	$3.32	Unavailable	6 / 4
2026-08-17	$3.32	Unavailable	6 / 4
2026-08-18	$3.32	Unavailable	6 / 4
2026-08-19	$3.32	Unavailable	6 / 4
2026-08-20	$3.32	Unavailable	6 / 4
2026-08-21	$3.32	Unavailable	6 / 4
2026-08-22	$3.32	Unavailable	6 / 4
2026-08-23	$3.32	Unavailable	6 / 4
2026-08-24	$3.32	Unavailable	6 / 4
2026-08-25	$3.32	Unavailable	6 / 4
2026-08-26	$3.32	Unavailable	6 / 4
2026-08-27	$3.32	Unavailable	6 / 4
2026-08-28	$3.32	Unavailable	6 / 4
2026-08-29	$3.32	Unavailable	6 / 4
2026-08-30	$3.32	Unavailable	6 / 4
2026-08-31	$3.32	Unavailable	6 / 4
2026-09-01	$3.32	Unavailable	6 / 4
2026-09-02	$3.32	Unavailable	6 / 4
2026-09-03	$3.32	Unavailable	6 / 4
2026-09-04	$3.32	Unavailable	6 / 4
2026-09-05	$3.32	Unavailable	6 / 4
2026-09-06	$3.32	Unavailable	6 / 4
2026-09-07	$3.32	Unavailable	6 / 4
2026-09-08	$3.32	Unavailable	6 / 4
2026-09-09	$3.32	Unavailable	6 / 4
2026-09-10	$3.32	Unavailable	6 / 4
2026-09-11	$3.32	Unavailable	6 / 4
2026-09-12	$3.32	Unavailable	6 / 4
2026-09-13	$3.32	Unavailable	6 / 4
2026-09-14	$3.32	Unavailable	6 / 4
2026-09-15	$3.32	Unavailable	6 / 4
2026-09-16	$3.32	Unavailable	6 / 4
2026-09-17	$3.32	Unavailable	6 / 4
2026-09-18	$3.32	Unavailable	6 / 4
2026-09-19	$3.32	Unavailable	6 / 4
2026-09-20	$3.32	Unavailable	6 / 4
2026-09-21	$3.32	Unavailable	6 / 4
2026-09-22	$3.32	Unavailable	6 / 4
2026-09-23	$3.32	Unavailable	6 / 4
2026-09-24	$3.32	Unavailable	6 / 4
2026-09-25	$3.32	Unavailable	6 / 4
2026-09-26	$3.32	Unavailable	6 / 4
2026-09-27	$3.32	Unavailable	6 / 4
2026-09-28	$3.32	Unavailable	6 / 4
2026-09-29	$3.32	Unavailable	6 / 4
2026-09-30	$3.32	Unavailable	6 / 4
2026-10-01	$3.32	Unavailable	6 / 4
2026-10-02	$3.32	Unavailable	6 / 4
2026-10-03	$3.32	Unavailable	6 / 4
2026-10-04	$3.32	Unavailable	6 / 4
2026-10-05	$3.32	Unavailable	6 / 4
2026-10-06	$3.32	Unavailable	6 / 4
2026-10-07	$3.32	Unavailable	6 / 4
2026-10-08	$3.32	Unavailable	6 / 4
2026-10-09	$3.32	Unavailable	6 / 4
2026-10-10	$3.32	Unavailable	6 / 4
2026-10-11	$3.32	Unavailable	6 / 4
2026-10-12	$3.32	Unavailable	6 / 4
2026-10-13	$3.32	Unavailable	6 / 4
2026-10-14	$3.32	Unavailable	6 / 4
2026-10-15	$3.32	Unavailable	6 / 4
2026-10-16	$3.32	Unavailable	6 / 4
2026-10-17	$3.32	Unavailable	6 / 4
2026-10-18	$3.32	Unavailable	6 / 4
2026-10-19	$3.32	Unavailable	6 / 4
2026-10-20	$3.32	Unavailable	6 / 4
2026-10-21	$3.32	Unavailable	6 / 4
2026-10-22	$3.32	Unavailable	6 / 4
2026-10-23	$3.33	Unavailable	6 / 4
2026-10-24	$3.38	Unavailable	6 / 4

Revenue and EPS estimates track expectations. They are not delivered results or like-for-like proof of a required annual path.

Compare required revenue and earnings