Beacon Financial Corporation Common stock (BBT)

FairStock Score: 42/100 — MIXED

Key Financials

AI Analysis

AI-generated, general educational analysis — not personal investment advice.

I look at a regional bank first through book value, returns, and credit risk, not through sales multiples. Beacon trades at $27.27 as of the 2026-10-13 close, or 0.90 times book and 7.37 times earnings, with a 4.73% dividend yield. That looks cheap, and the PEG of 0.04 adds to the optical appeal. But cheapness is not quality. FairStock puts return on equity at 8.42%, a modest level for a bank, and the Piotroski F-Score is only 5 out of 9, so the financials are not clearly strengthening. The filed record is volatile: in fiscal Q3 2025, the quarter ended 2025-09-30, net income was negative $4.2M and EPS was negative $0.05; in fiscal Q4 2025, net income was $53.4M and EPS $0.64; in fiscal Q1 2026, net income was $46.2M and EPS $0.55; in fiscal Q2 2026, net income was $64.4M and EPS $0.77. For full years, FY2023 net income was $75.0M and EPS $0.85, FY2024 was $68.7M and $0.77, and FY2025 was $90.3M and $1.03. Yet FairStock's Lynch rule calls it a Slow Grower--Shrinking, with profit down 6.6% a year and revenue down 10.2% over four years. The recent quarters conflict with that longer trend. Missing CET1, net interest margin, efficiency ratio, nonperforming loans, and reserve data make the credit and leverage picture incomplete. I would want a larger discount for that uncertainty.

In plain English: Beacon Financial is a bank holding company that takes deposits and makes loans, mostly commercial and real estate loans, plus trust and investment services. The latest quarters show good profits, but the longer record is uneven and one FairStock measure says revenue and profit have shrunk over four years. The stock price looks low compared with reported profit and accounting net worth, but key bank details are missing, so it is hard to be sure the business is strong.

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Data as of 2026-10-13 close · note generated 2026-10-15 · model deepseek-flash

Sources (SEC EDGAR): fiscal Q2 2026 10-Q (period ended 2026-06-30) · fiscal Q1 2026 10-Q (period ended 2026-03-31) · fiscal Q4 2025 10-K (period ended 2025-12-31) · fiscal Q3 2025 10-K (period ended 2025-09-30) · FY2025 10-K (period ended 2025-12-31) · FY2024 10-K (period ended 2024-12-31) · FY2023 10-K (period ended 2023-12-31)

Fundamentals from company filings and market-data providers; prices are end-of-day, not real-time. AI-generated analysis is general and educational — not personal investment advice. Scoring methodology · Score test · Disclaimer