BBT · Beacon Financial Corp
$31.94
-0.56 (-1.72%)
At close · Aug 19
Market Cap
$2.72B
Shares
83.82M
Price & Indicators
20d MA
50d MA
200d MA
Earnings
Filing
Insider
Congress
Investor day
Close$31.94
Open$32.64
Day$31.93–32.72
52W close$23.12–32.61
Avg vol 30d777K
Short int3.5M · 4.2% float · 4.1d
Short vol44%
Last earningsJul 30, 2026
DataJan 2020–Aug 2026
Filing10-Q · Aug 7
Up next
Next earnings call
Oct 29, 2026
Est · unconfirmed
· in 10 wks
FQ3-26 quarter ends
~Sep 30, 2026
Est
filed Aug 7, 2026
AI Brief
TL;DR.
Bullish
Bearish
From the call
AI-generated from the earnings call and 8-K · may contain errors · not investment advice
Ask ALVIS about this →Equibles Rating
blended score · not investment adviceOverall
Buy
SellHoldBuy
Technical
Strong Buy
Momentum
Strong
Sentiment
Bullish
Fundamentals
Strong
Quant / Vol
Very Low
Market backdrop
VIX 14.9 · calm
Equity put/call 0.52
Technical
price trend
50 / 200-day cross
No cross
Price vs 200-day avg
+10%
above
Price vs 50-day avg
+4%
above
RSI (14)
57
neutral
MACD trend
Positive
52-week position
93%
near high
Momentum
relative strength
1-month return
+6%
trailing
6-month return
+3%
trailing
YTD return
+21%
this year
Relative strength
−9%
vs S&P · 6-mo
Sentiment
smart money
Trend (MA cross)
No cross
50d $31 › 200d $29 — 50d above 200d
Institutional flow
Flat
0% holders QoQ · +39 funds added
Insider flow
Flat
No net insider activity over 90 days
Short interest
Falling
4.19% of float · ▼ -6.6% MoM · 4.1 days cover
Volume signal
Normal
Volume near normal
Institution breadth
Multi-yr high
292 holders — near 3-yr high, broad support
Squeeze score
57
elevated · 0–100
Fundamentals
Revenue growth
−3%
Y/Y
EPS growth
+34%
Y/Y
Free cash flow
$212.2M
Valuation
P/E 17
rich
Buyback
$50.0M
authorized
Balance sheet
$1.1B
net cash
Quant / Vol
risk profile
Volatility
27%
annualized · 1-yr
Max drawdown
−15%
past year
ATR
2.0%
of price · 14-day
Blended from price, momentum, positioning, fundamentals & volatility · daily-close · not investment advice. Market backdrop is context, not part of the score.
Guidance & track record
Latest guidance
· from the 8-K filed Jul 29, 2026
the remainder of the year
Net interest margin
3.8% – 3.85%
per quarter
Credit costs
$5M – $9M
Prior guidance
period ended
· from the Earnings Call filed Sep 30, 2024
NIM
· fourth quarter
3.1% – 3.2%
Guidance from company 8-Ks · delivered figures from as-reported statements · no analyst estimates involved.
Technicals
trend & momentum for long-term holders Strong Buy
50 / 200-day cross
No cross
Neutral
Price vs 200-day avg
+10%
Bullish
Price vs 50-day avg
+4%
Bullish
RSI (14)
57
Neutral
MACD trend
Positive
Bullish
52-week position
93%
Bullish
Market signals — smart money & positioning
Bullish · 2 of 6
Trend (MA cross)
No cross
50d $31 › 200d $29 — 50d above 200d
Institutional flow
Flat
0% holders QoQ · +39 funds added
Insider flow
Flat
No net insider activity over 90 days
Short interest
Falling
4.19% of float · ▼ -6.6% MoM · 4.1 days cover
Volume signal
Normal
Volume near normal
Institution breadth
Multi-yr high
292 holders — near 3-yr high, broad support
Price context
position in its 52-week range
Range low $23
Now $32 · 93%
Range high $33
vs 200-day avg +10%
vs 50-day avg +4%
Illustrative technical + ownership context — a signal mix, not investment advice.
Key metrics
the company's own KPIs, from written earnings releases and filings| Metric | Latest | Period | YoY |
|---|---|---|---|
| Allowance for loan and lease losses at end of period | 238.19M | At and for the Three Months Ended June 30, 2026 | — |
| Allowance for loan and lease losses to total loans and leases | 1.34% | June 30, 2026 | — |
| Construction / Total RBC | 24% | Jun-26 | — |
| Core efficiency ratio | 54.26% | Three Months Ended June 30, 2026 | — |
| Efficiency ratio | 58.06% | Three Months Ended June 30, 2026 | — |
| ICRE / Total RBC | 317% | Jun-26 | — |
| Loan Originations | 850M | 2Q26 | — |
| Loans and leases past due greater than 90 days and still accruing | 7.79M | At and for the Three Months Ended June 30, 2026 | — |
| Loans to Deposits | 96.41% | 2Q26 | — |
| Net interest income (tax-equivalent basis) | 387.22M | Six Months Ended June 30, 2026 | — |
| Net interest margin | 3.8% | Six Months Ended June 30, 2026 | — |
|
|
|||
| Nonperforming loans and leases as a percentage of total loans and leases | 0.86% | At and for the Three Months Ended June 30, 2026 | — |
|
|
|||
| Office CRE portfolio as % of Total Loans | 6.6% | 2Q26 | — |
| Operating earnings after tax non-GAAP | 123.17M | Six Months Ended June 30, 2026 | — |
| Operating earnings per common share - Basic non-GAAP | $1.47 | Six Months Ended June 30, 2026 | — |
| Operating earnings per common share - Diluted non-GAAP | $1.47 | Six Months Ended June 30, 2026 | — |
| Operating return on average assets non-GAAP | 1.09% | Six Months Ended June 30, 2026 | — |
| Operating return on average stockholders' equity non-GAAP | 10.15% | Three Months Ended June 30, 2026 | — |
| Operating return on average tangible assets non-GAAP | 1.12% | Six Months Ended June 30, 2026 | — |
| Provision for loan and lease losses excluding unfunded commitments | 8.09M | Three Months Ended June 30, 2026 | — |
| Ratio of nonperforming assets to total assets | 0.7% | June 30, 2026 | — |
| Reserve to Loans coverage | 1.34% | 2Q26 | — |
| Return on average assets | 1% | Six Months Ended June 30, 2026 | — |
| Return on average stockholders' equity | 8.74% | Six Months Ended June 30, 2026 | — |
| Return on average tangible assets | 1.03% | Six Months Ended June 30, 2026 | — |
| Return on average tangible assets (annualized) non-GAAP | 1.2% | Three Months Ended June 30, 2026 | — |
| Return on average tangible stockholders' equity | 11.08% | Six Months Ended June 30, 2026 | — |
| Return on Tangible Equity | 12.84% | 2Q26 | — |
| Tangible assets | 21.72B | At and for the Three Months Ended June 30, 2026 | — |
| Tangible book value per common share non-GAAP | $23.98 | 2Q26 | — |
|
|
|||
| Tangible Common Equity (TCE) non-GAAP | 9.3% | 2Q26 | — |
| Tangible stockholders' equity | 2.01B | At and for the Three Months Ended June 30, 2026 | — |
| Tangible stockholders' equity to tangible assets non-GAAP | 9.25% | June 30, 2026 | — |
| Total Loans Outstanding | 17.82B | 2Q26 | — |
| Total Net Charge Offs | $14.3M | 2Q26 | — |
| Total nonaccrual loans and leases | 152.65M | At and for the Three Months Ended June 30, 2026 | — |
| Total nonperforming assets | 155.16M | At and for the Three Months Ended June 30, 2026 | — |
| Total NPAs | $155.2M | June 30, 2026 | — |
| ratio of net loan and lease charge-offs to average loans and leases | 30 | first quarter of 2026 | — |
| Annualized return on average assets | 0.94% | Q4 2025 | — |
| Annualized return on average tangible stockholders' equity (non-GAAP) non-GAAP | 11.19% | Q4 2025 | — |
| Non-interest expense, excluding merger and restructuring expense (Non-GAAP) non-GAAP | $127.9M | Q4 2025 | — |
| Operating earnings after tax (non-GAAP) non-GAAP | $142.3M | Twelve Months Ended December 31, 2025 | — |
| Operating earnings per basic share (non-GAAP) non-GAAP | $1.63 | Twelve Months Ended December 31, 2025 | — |
| Operating earnings per diluted share (non-GAAP) non-GAAP | $1.62 | Twelve Months Ended December 31, 2025 | — |
| Ratio of stockholders' equity to total assets | 10.75% | Q4 2025 | — |
| Ratio of tangible stockholders' equity to tangible assets (non-GAAP) non-GAAP | 8.62% | Q4 2025 | — |
| Ratio of total nonperforming loans and leases to total loans and leases | 0.63% | Q4 2025 | — |
Figures exactly as the company stated them in writing · click a metric with a to chart its history · period links open the stating document · "filing" marks figures stated in the 10-K/10-Q · YoY needs an exactly comparable prior-year period
Versus peers
Banks - Regional — same industry group| Company | Mkt cap | YTD | Rev growth Y/Y | P/E | Short % shares |
|---|---|---|---|---|---|
|
BBT
this stock
Beacon Financial Corp
|
$2.72B | +21.1% | -2.9% | 17.0 | 4.2% |
|
MFG
Mizuho Financial Group Inc
|
$131.93B | +38.5% | — | — | 0.1% |
|
HDB
Hdfc Bank Ltd
|
$118.97B | -36.6% | +15.2% | — | 0.5% |
|
IBN
Icici Bank Ltd
|
$105.45B | -1.2% | — | — | 0.5% |
|
PNC
Pnc Financial Services Group, Inc.
|
$101.11B | +18.1% | +7.2% | 14.0 | 1.8% |
Peers by industry group · P/E from as-reported trailing EPS · short % is of shares outstanding
At a glance
key data from every sectionOwnership
Short & Settlement
Smart Money
Financials
Filings
Performance
| 5D | 20D | 120D | MTD | YTD | |
|---|---|---|---|---|---|
| BBT | -0.3% | +5.8% | +2.9% | +1.4% | +21.1% |
| SPY | -0.4% | +2.9% | +11.6% | +3.0% | +12.8% |
| vs SPY | +0.1% | +2.9% | -8.7% | -1.6% | +8.3% |
Capital returns
Latest dividend
$0.323
/ share · ex Aug 14, 2026
Paid (TTM)
$1.292
/ share · 4 payouts
Dividend yield (TTM, derived)
4.05%
Buyback program
· as of Apr 29, 2026
Authorized
$50.00M
Spent (derived)
—
Remaining
—
Dividends per share over the trailing 365 days by ex-date · buyback figures as last reported in SEC filings ("spent" derived as authorized − remaining; when several programs run concurrently, authorized is their combined total per the newest filing) · components shown separately — trailing-year buyback spend isn't tracked, so no combined shareholder yield is derived.
Key facts
CIK
1108134
CUSIP
084680107
13F (30d)
273 filings
266 filers
Visit website
Investor relations