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Beacon Financial Corporation (BBT) 12-Month Stock Forecast & Price Target Cone

$30.66 +0.92% NYSE • Live Quote vs Prior Daily Close (Synced Snapshot)

Beacon Financial Corporation (BBT) carries a Roarable Rating of C (Hold) with 63/100 RQD Confidence. The composite score sits in the neutral Hold band (59–69), meaning current holders don’t need to panic-sell while prospective buyers can wait for a move into the 70+ Buy zone.

ROARABLE C • HOLD / WATCH Cap $2.57B

📤 Share Live RQD Speedometer Card: 𝕏 Post Reddit StockTwits ⬇ Live SVG Card

INTERACTIVE SCENARIO DECK:

🛡️ Portfolio Crash X-Ray

RQD QUANT TACHOMETERHOLD / WATCH • C

JEV AI Jury Split (Battleground)

Cash

SEC

Whale

Impersonal quantitative research (0–100 RQD rubric) — not individualized investment advice. Past performance does not guarantee future results. Full Disclaimer

5-PILLAR SNOWFLAKE RADARRw C · Rk C

Each axis scored 0–20

12M PRICE TARGET CONE+2.3% Base Target

WHALE OPTIONS SNAPSHOT: — (No Active Options Snapshot on file for BBT)Realized 20D OHLCV Swing Band: ±5.3%

INTERACTIVE 12-MONTH POSITION SIMULATOR

Drag to Test Your BBT Position Size: $10,000

Shares at $30.66: 326.2 sh

$1,000$10,000$25,000$50,000$100,000

12M Bear Case FloorTarget $24.45

$7,975

$-2,025 (-20.3%)

12M Consensus BaseTarget $31.35

$10,225

+$225 (+2.3%)

12M Bull Case BreakoutTarget $36.99

$12,065

+$2,065 (+20.6%)

Wall Street Analyst Breakdown & Historical Accuracy Audit (28 Desks)

Street Historical Accuracy: 64/100

● Strong Buy / Buy: 17● Hold: 9● Sell: 2

Wall Street Firm	Stance	12M Target	1Y Accuracy	Track Grade
Morgan StanleyInstitutional Equity Desk	HOLD	$33	74%	A
Goldman SachsSector Coverage Lead	BUY	$35	69%	B
JP MorganUS Large-Cap Research	HOLD	$28	58%	C

ON-DEMAND RQD QUANT WORKSHOP • SPONSORED / PARTNER SPOTLIGHTHosted by Perry Belcher & Roarable Quantitative Research Desk

Scheduled RQD Strong Buys & Whale Accumulation Briefing (BBT Tape Review)

✓Breakdown of the highest-scoring RQD Green-Light breakouts across our 5,200+ rated universe
✓Forensic Red-Light accounting & dilution traps to review on your watchlist
✓Includes downloadable .ics calendar invite & nightly RQD rating-change email alerts

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BBT // CANDLESTICK & AUTO-TRENDLINE WORKSTATION6M: +7.47%📐 HORIZONTAL RANGE

2026-10-30O $30.97H $31.03L $30.36C $30.66VOL 1.22M

RES: $34.61SUP: $26.30SMA50: $29.57SMA200: $29.94

PRIMARY-SOURCE FORENSICS, SECOND-ORDER LINKS & AI ANALYST DESK

BBT Dilution Monitor, Expectations Hurdle, Butterfly Connections & Policy Exposure

🦋 BBT Butterfly Map → + Track BBT →

Share Count & Dilution Monitor (#25)

Multi-year comparable XBRL diluted share count not disclosed (ETF or recent listing).

Reverse-DCF Expectations Hurdle (#30)

21.9%/yr Implied 5Y Growth

vs. +81.1% actual YoY revenue growth (assuming 9.25% cost of equity & 16.5x terminal multiple).

Ellis Vennor Setup Ledger (#33)

No active Ellis Vennor swing setup published on BBT today. View full Setup Ledger →

🦋 Documented & Second-Order Butterfly Connections Open Graph →

No direct multi-tier Butterfly edges indexed yet for BBT. Explore sector supply chains on /butterfly.

AI Analyst Theses, Washington Policy & Company Video

🎬 No recent verified company-specific video clip queued for BBT today (we never pad ticker pages with unrelated generic clips). Browse Macro Video Desk →

DETERMINISTIC MULTI-FACTOR EQUITY AUDIT • SEC EDGAR XBRL × RQD PEER BENCHMARK

📊 Quantitative Sector Peer Comparison, SEC Filing Delta & Investment FAQ (BBT)

Financials Rank #385 of 1096 ⚔️ FLG vs BBT Full Matrix →

1. Head-to-Head Financials Peer Comparison (BBT vs. FLG, HFWA, NBBK, SMBC)

Industry: Banks (24 Tracked Issuers)

Across 1096 tracked Financials securities in the Roarable RQD universe, Beacon Financial Corporation (BBT) ranks #385 by composite RQD confidence (63/100, grade C) and #392 by equity capitalization ($2.57B). Within this direct 5-issuer industry benchmark cohort, SMBC leads on earnings valuation at 13.5x trailing P/E, while SMBC leads on capital efficiency and profitability with 10.3% ROIC and — gross margin. NBBK currently holds the highest overall quantitative score in the immediate peer group at 69/100 (C+) compared with BBT at 63/100 (C).

Ticker / Company	Roarable Grade	RQD Score	Trailing P/E	Gross Margin	ROIC	1D Change	Market Cap	Head-to-Head
BBT ACTIVE Beacon Financial Corporation	C	63/100	28.5x	—	3.6%	+0.92%	$2.57B	Benchmark Subject
FLG Flagstar Bank N.A.	E	22/100	—	—	-0.6%	+3.05%	$4.35B	/flg-vs-bbt →
HFWA Heritage Financial Corporation	C+	68/100	17.5x	—	7.3%	+0.80%	$1.18B	/hfwa-vs-bbt →
NBBK NB Bancorp Inc.	C+	69/100	19.7x	—	5.9%	+0.45%	$988.5M	/nbbk-vs-bbt →
SMBC Southern Missouri Bancorp Inc.	C	63/100	13.5x	—	10.3%	-0.25%	$791.2M	/smbc-vs-bbt →

2. Multi-Year SEC XBRL Revenue, Cash Flow & Balance-Sheet Trajectory (FY2023–FY2025)

SEC EDGAR 10-K • FILED 2025-12-31 • CIK 0001108134

In its most recent audited fiscal period (FY2025, filed 2025-12-31), Beacon Financial Corporation (BBT) reported GAAP revenue of $29.9M (+81.1% vs. FY2024 revenue of $16.5M , and +84.5% cumulative change since FY2023) , GAAP net income of $90.3M, operating cash flow of $224.4M, and free cash flow of $212.2M (+112.2% YoY). On the balance sheet, BBT closed FY2025 with $23.22B in total assets against $0 in total debt (Altman Z-Score: N/A, Piotroski F-Score: 6/9).

Fiscal Period	Filing Date	Revenue	Net Income	Operating Cash Flow	Free Cash Flow	Total Assets	Total Debt
FY2025 (FY)	2025-12-31	$29.9M	$90.3M	$224.4M	$212.2M	$23.22B	—
FY2024 (FY)	2024-12-31	$16.5M	$68.7M	$105.0M	$100.0M	$11.91B	—
FY2023 (FY)	2023-12-31	$16.2M	$75.0M	$116.6M	$116.6M	—	—

3. BBT Data-Verified Investor FAQ (RQD Rating, Sector Peers, SEC Forensics & Technicals)

✓ SCHEMA.ORG FAQPAGE JSON-LD ENABLED

Is BBT stock a Buy, Hold, or Sell right now according to Roarable's RQD model?

As of 2026-11-01, Beacon Financial Corporation (NYSE: BBT) is rated C (Hold / HOLD) by Roarable's 5-pillar RQD engine with a composite confidence score of 63/100 at a spot price of $30.66 (+0.92% 1D, market cap $2.57B). Pillar breakdown: Fundamental Cash Engine 13/20, Institutional 13F & Options Flow 9/20, Executive Insider Alignment 13/20, FRED Macro Regime Fit 13/20, and SEC Balance-Sheet Forensics 15/20. Across 1096 tracked Financials issuers, BBT ranks #385 in composite RQD confidence.

How does BBT compare to FLG and HFWA in the Financials sector?

Within the Financials sector (Banks), BBT carries a Roarable C (63/100 RQD), trailing P/E of 28.5x, gross margin of —, and ROIC of 3.6%. By comparison, FLG (Flagstar Bank N.A.) holds a E grade (22/100 RQD, P/E N/A, ROIC -0.6%, cap $4.35B) and HFWA (Heritage Financial Corporation) posts a C+ grade (68/100 RQD, P/E 17.5x, ROIC 7.3%, cap $1.18B). Among the 5-stock peer group, SMBC leads on earnings multiple (13.5x) while SMBC leads on capital efficiency (10.3% ROIC).

What are the biggest fundamental strengths and SEC risk factors for BBT?

Per BBT's SEC EDGAR XBRL 10-K filing (FY2025, filed 2025-12-31, CIK 0001108134), Beacon Financial Corporation generated $29.9M in revenue (+81.1% YoY), $90.3M in net income, and $212.2M in free cash flow against $23.22B in total assets and $0 in total debt. Key quantitative strengths: Company leadership has skin in the game with net positive insider conviction.. Primary risk factors monitored: Broader market pullbacks can still drag down strong stocks in the short run.. Institutional options positioning shows a 50% call / 50% put premium split.

Where is BBT trading relative to its 50-day, 200-day, and 52-week technical levels?

BBT last traded at $30.66 (+0.92% on volume of 995,844 shares), positioning the stock +3.69% above its 50-day simple moving average ($29.57) and +2.40% above its 200-day simple moving average ($29.94). Across its 52-week range of $24.06 to $32.83, BBT sits at the 75.3% percentile with a 14-day RSI of 65.9 (BULLISH MOMENTUM) and an implied next-earnings move of ±5.3% ($29.04 to $32.28).

BBT Investor FAQ & Complete 8-Part Research Index

100% OPEN ACCESS • SEC EDGAR × CBOE × FRED

What is BBT's 12-month stock price target?

Beacon Financial Corporation (BBT) carries a 12-month consensus base price target of $31.35 (+2.3% from $30.66), with a bull-case target of $36.99 and a bear-case floor of $24.45.

Is BBT stock a Buy, Hold, or Sell right now?

Roarable's 5-Pillar RQD Quant Engine rates BBT C (Hold — HOLD) with an RQD Confidence score of 63/100.

Direct Sub-Reports: BBT RQD Cockpit BBT 12M Forecast BBT Earnings & Move BBT Dividends & DRIP BBT Insiders & 13F BBT Whale Options BBT Profit Sankey BBT News & Why