BBT · Beacon Financial Corp
Price & Indicators
Up next
Metrics snapshot
Useful current figures from the complete screener profile.
Quarterly results
* Q4 derived as the full year minus Q1 to Q3.
AI Brief
Q2 FY26 earnings call · Jul 30, 2026TL;DR. Beacon Financial reported Q2 2026 GAAP EPS of $0.77 versus $0.55 prior quarter, with net interest margin expanding to 3.81% and core efficiency at 54.26% as merger integration completed. The company reaffirmed forward guidance including NIM of 3.80%–3.85%, quarterly credit costs of $5–9 million, low-single-digit loan growth, and mid-single-digit fee growth, with no further merger charges anticipated.
- + Core efficiency ratio improved to 54.26% with merger synergies fully realized and no further merger charges anticipated
- + Deposit growth resumed with total deposits up $193.6 million, including $92.8 million in customer deposits
- + Forward outlook calls for low-single-digit loan growth driven by C&I, mid-single-digit fee growth, and quarterly credit costs of $5–9 million
- + Capital strengthened with tangible common equity rising to 9.25% and TBV per share up $0.50 to $23.98
- − Loans declined $101.9 million sequentially as CRE and equipment finance runoff outpaced growth elsewhere
- − Management expects charge-offs to remain elevated and provisioning to be moderate as specific reserves are worked through
- − CRE concentration remains a stated risk, with $7.3B portfolio including $1.2B office exposure at 3.7% NPLs
AI-generated from the earnings call and 8-K · may contain errors · not investment advice
Equibles Rating
blended score · not investment adviceBlended from price, momentum, positioning, fundamentals & volatility · daily-close · not investment advice. Market backdrop is context, not part of the score.
Guidance & track record
Guidance from company 8-Ks · delivered figures from as-reported statements · no analyst estimates involved.
Technicals
trend & momentum for long-term holders BuyIllustrative 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 |
|---|---|---|---|
| Annualized return on average assets | 1.17% | Three months ended June 30, 2026 filing | — |
| Annualized return on average stockholders' equity | 10.15% | Three months ended June 30, 2026 filing | — |
| Common shares outstanding | 83,816,086 | Three Months Ended June 30, 2026 filing | — |
| Cost of interest-bearing liabilities | 2.63% | Three months ended June 30, 2026 filing | — |
| Dividend payout ratio | 41.96% | Three Months Ended June 30, 2026 filing | — |
| Net charge-offs as a percentage of average loans and leases (annualized) | 0.32% | Three months ended June 30, 2026 filing | — |
| Net interest margin | 3.81% | Three months ended June 30, 2026 filing | — |
| Operating earnings non-GAAP | 64.43M | the three months ended June 30, 2026 filing | — |
| Operating return on average assets (annualized) non-GAAP | 1.17% | Three Months Ended June 30, 2026 filing | — |
| Operating return on average stockholders' equity (annualized) non-GAAP | 10.15% | Three Months Ended June 30, 2026 filing | — |
| Operating return on average tangible assets (annualized) non-GAAP | 1.2% | Three Months Ended June 30, 2026 filing | — |
| Operating return on average tangible stockholders' equity (annualized) non-GAAP | 12.84% | Three Months Ended June 30, 2026 filing | — |
| Return on average tangible assets (annualized) | 1.2% | Three Months Ended June 30, 2026 filing | — |
| Return on average tangible stockholders' equity (annualized) | 12.84% | Three Months Ended June 30, 2026 filing | — |
| Tangible book value per share non-GAAP | $23.98 | Three Months Ended June 30, 2026 filing | — |
| Tangible stockholders' equity to tangible assets non-GAAP | 9.25% | Three Months Ended June 30, 2026 filing | — |
| Yield on interest-earning assets | 5.76% | Three months ended June 30, 2026 filing | — |
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
|
$2.52B | +14.0% | -2.9% | 15.7 | 5.9% |
|
MFG
Mizuho Financial Group Inc
|
$115.53B | +30.7% | — | — | 0.1% |
|
HDB
Hdfc Bank Ltd
|
$113.60B | -39.5% | -3.2% | — | 0.7% |
|
ITUB
Itau Unibanco Holding S.A.
|
$106.58B | +35.1% | — | — | 0.2% |
|
IBN
Icici Bank Ltd
|
$105.76B | -1.1% | — | — | 0.6% |
Peers by industry group · P/E from as-reported trailing EPS · short % is of shares outstanding
At a glance
key data from every section- Filed
- Oct 21, 2026
- This year
- 21
Beacon Financial Corporation reported third-quarter 2026 net income of $61.2 million, or $0.73 per share. It declared a $0.3225 quarterly dividend payable November 20, 2026 and increased its stock buyback authorization to $125 million.
ViewPerformance
| 5D | 20D | 120D | MTD | YTD | |
|---|---|---|---|---|---|
| BBT | +9.4% | +6.7% | +5.9% | +7.4% | +14.0% |
| SPY | -0.4% | -1.5% | +5.8% | -0.4% | +11.5% |
| vs SPY | +9.8% | +8.2% | +0.1% | +7.8% | +2.6% |
Capital returns
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.