CATALYSTBenzinga • 5d ago
Piper Sandler Maintains Overweight on Beacon Financial, Raises Price Target to $35Piper Sandler analyst Justin Crowley maintains Beacon Financial (NYSE:BBT) with a Overweight and raises the price target from $33 to $35.
Why BBT Stock advanced +0.92% Today — RQD Quant Desk Flash
$30.66 +0.92% NYSE • Live Quote vs Prior Daily Close (Synced Snapshot)
EXT / AFTER-HRS: $30.65
Beacon Financial Corporation (BBT) carries a Roarable Rating of C+ (Hold) with 67/100 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
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Is BBT stock a Buy, Hold, or Sell right now according to Roarable's RQD model?
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As of 2026-11-02, Beacon Financial Corporation (NYSE: BBT) is rated C+ (Hold / HOLD) by Roarable's 5-pillar RQD engine with a composite confidence score of 67/100 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 13/20, 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 #210 in composite RQD confidence.
✓ Pre-computed one-to-many AI Quant brief
🤖 Ellis Vennor • AI Peer & Flow Quant (Click for Instant Brief)
How does BBT compare to FLG and HFWA in the Financials sector?
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Within the Financials sector (Banks), BBT carries a Roarable C+ (67/100 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 (65/100 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).
✓ Pre-computed one-to-many AI Quant brief
🤖 Gideon Ashmere • AI SEC 10-K Forensics (Click for Instant Brief)
What are the biggest fundamental strengths and SEC risk factors for BBT?
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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.
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INTERACTIVE SCENARIO DECK:
EXT / AFTER-HRS: $30.65 (-0.02%)🧬 Cannibal Buyback (-2.08% YoY Shares)⚙️ Cash Engine: 13/20 (C) • 708.4% FCF Margin
Verify 90D Bucket Audit →📊 Historical Track Record: Scores of 67/100 (C+) historically posted market-perform odds over rolling 90-day windows (+1.6% avg 90D alpha vs SPY • 56.4% hit rate — wait for RQD ≥ 70 breakout).
Audit Bucket Track Record →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+4% Base Target
WHALE OPTIONS SNAPSHOT: — (No Active Options Snapshot on file for BBT)Realized 20D OHLCV Swing Band: ±5.3%
Deterministic 5-Pillar Attribution (67/100 Composite)
🔍 WHY BBT SCORES 67/100 (C+) — TOP 3 DRIVERS2 Bullish Pillars + #1 Risk Drag
▲ #1 Bullish Driver: Insider Conviction & Share Dilution+15/20 pts (22% of score)
SEC Form 4 / 13F Thermometer: 75% Net Buy • Cannibal Buyback (-2.08% YoY Shares)
▲ #2 Bullish Driver: Cash Engine Quality+13/20 pts (19% of score)
SEC XBRL FY 2025 (10-K): 708.4% FCF Margin ($212.2M FCF) & 52% Gross Margin
▼ #1 Drag / Risk Factor: Macro Regime Fit13/20 pts (-7 pt drag)
Macro rate sensitivity & RSI-14 (66.2) create a -7 pt regime headwind
📈 PAST 4 QUARTERS RQD vs SUBSEQUENT RETURNQ1 → Q2 → Q3 → Current
Q1 (-3Q)Grade C$27.30+0.2% Next Q
59
Q2 (-2Q)Grade C+$27.36+12.8% Next Q
62
Q3 (-1Q)Grade C+$30.86-0.6% Next Q
64
CurrentGrade C+$30.66+1.6% Hist 90D α
67
Trajectory: C (59) → C+ (67)Full Audit →
⚔️ ADVERSARIAL OPPOSING CASE & FORENSIC KILL-SWITCH (WHY THE BULL/BEAR THESIS COULD FAIL)GIDEON ASHMERE // FORENSIC SHORT & KILL-SWITCH DOSSIER
⚔️ Adversarial Opposing Case: Why the BBT Bull Thesis Could Fail
Even with a 67/100 (C+) score, BBT faces multiple-compression risk if 28.5x trailing P/E re-rate toward historical sector medians or if hyperscaler/enterprise customer concentration slows in upcoming 10-Q filings.
⚠️ Forensic Kill-Switch #1
Broader market pullbacks can still drag down strong stocks in the short run.
⚠️ Forensic Kill-Switch #2
Dilution & Margin Drag: Cannibal Buyback (-2.08% YoY Shares) — any gross margin slip below 49.5% triggers an automatic RQD downgrade.
⚠️ Forensic Kill-Switch #3
Technical & Forensic Kill-Switch: A daily close below the 50D SMA ($29.55) or 200D SMA ($29.95) invalidates the momentum regime and cuts Target Base ($31.90) toward Bear Floor ($24.88).
🎲 LIVE PREDICTION MARKET ODDS TIED TO $BBT• $2.4M Crowd Pool • Kalshi / Polymarket Composite
Contract: “BBT Beats Next Quarter EPS Consensus (Dec 30, 2026) & Holds Above 200D SMA”
AUTOMATED RQD QUANT DESK MOVER BRIEFINGFull Market News Desk →
Why BBT Stock advanced +0.92% Today — RQD Quant Desk Flash
Beacon Financial Corporation (BBT) advanced +0.92% to $30.66, trading at 76% of its 52-week range ($23.63 – $32.83). Solid steady margins (4% return on capital), mixed timing at 29x P/E—hold if owned, no rush to chase.
- ▸Technical Tape: Trading at 76% of its 52-week range ($23.63 – $32.83) with RSI-14 at 66.2 (BULLISH MOMENTUM).
- ▸Volatility Profile: Historical 20-day realized swing band of ±5.3% around $30.66 (no active unusual options sweep snapshot on file).
- ▸Fundamental Anchor: Roarable C+ (Hold) backed by 52% gross margin and $212.2M annual free cash flow.
Live BBT Headlines & Catalysts
RISK WATCHYahoo • 7d ago
Beacon Financial: 3 Key Takeaways for Long-Term InvestorsManagement's pivot to commercial lending and fee income hinges on whether the bank can execute a balance sheet overhaul under new leadership.
MARKET WIRESeekingAlpha • 9d ago
Beacon Financial Corporation 2026 Q3 - Results - Earnings Call Presentation2026-10-23. The following slide deck was published by Beacon Financial Corporation in conjunction with their 2026 Q3 earnings call.
CATALYSTBenzinga • 9d ago
RBC Capital Maintains Sector Perform on Beacon Financial, Raises Price Target to $33RBC Capital analyst Karl Shepard maintains Beacon Financial (NYSE:BBT) with a Sector Perform and raises the price target from $31 to $33.
CATALYSTYahoo • 10d ago
Beacon Financial (BFN) Stock Jumps After Strong Q3 EarningsBeacon Financial came into today treading water, roughly flat over the past three months. Then the stock jumped about 7% in the first full trading session after Q3 2026 earnings. The headline result was clean bank earnin
MARKET WIREBenzinga • 10d ago
Beacon Financial Q3 2026 Earnings Call TranscriptBeacon Financial (NYSE:BBT) reported third-quarter financial results on Thursday. The transcript from the company’s third-quarter earnings call has been provided below.This transcript is brought to you by Benzinga APIs.
MARKET WIREYahoo • 10d ago
Beacon Financial Corp. Q3 2026 Earnings Call SummaryMoby summary of Beacon Financial Corp.'s Q3 2026 earnings call
MARKET WIREYahoo • 11d ago
Beacon (BBT) Reports Q3 Earnings: What Key Metrics Have to SayWhile the top- and bottom-line numbers for Beacon (BBT) give a sense of how the business performed in the quarter ended September 2026, it could be worth looking at how some of its key metrics compare to Wall Street esti
MARKET WIREYahoo • 11d ago
Beacon Financial (BBT) Q3 Earnings and Revenues Lag EstimatesBeacon (BBT) delivered earnings and revenue surprises of -1.28% and -0.41%, respectively, for the quarter ended September 2026. Do the numbers hold clues to what lies ahead for the stock?
RISK WATCHYahoo • 11d ago
Beacon: Q3 Earnings SnapshotBOSTON (AP) — BOSTON (AP) — Beacon Financial Corporation (BBT) on Wednesday reported third-quarter net income of $61.2 million, after reporting a loss in the same period a year earlier.
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Scheduled RQD Strong Buys & Whale Accumulation Briefing (BBT Tape Review)
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BBT // CANDLESTICK & AUTO-TRENDLINE WORKSTATION6M: +8.00%⚡ TESTING RESISTANCE
2026-11-02O $30.38H $30.66L $30.38C $30.66VOL 995.8K
RES: $31.09SUP: $26.30SMA50: $29.55SMA200: $29.95
PRIMARY-SOURCE FORENSICS, SECOND-ORDER LINKS & AI ANALYST DESK
BBT Dilution Monitor, Expectations Hurdle, Butterfly Connections & Policy Exposure
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 #210 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 #210 by composite RQD confidence (67/100, 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. BBT currently leads its immediate peer cohort in composite quantitative strength at 67/100 (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+ | 67/100 | 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 | 65/100 | 17.5x | — | 7.3% | +0.80% | $1.18B | /hfwa-vs-bbt → |
| NBBK NB Bancorp Inc. | C | 65/100 | 19.7x | — | 5.9% | +0.45% | $988.5M | /nbbk-vs-bbt → |
| SMBC Southern Missouri Bancorp Inc. | C+ | 66/100 | 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 0001108134In 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 ENABLEDIs BBT stock a Buy, Hold, or Sell right now according to Roarable's RQD model?
As of 2026-11-02, Beacon Financial Corporation (NYSE: BBT) is rated C+ (Hold / HOLD) by Roarable's 5-pillar RQD engine with a composite confidence score of 67/100 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 13/20, 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 #210 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+ (67/100 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 (65/100 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 +3.76% above its 50-day simple moving average ($29.55) and +2.37% above its 200-day simple moving average ($29.95). Across its 52-week range of $23.63 to $32.83, BBT sits at the 76.4% percentile with a 14-day RSI of 66.2 (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 × FREDWhy is BBT stock moving today?
Why BBT Stock advanced +0.92% Today — RQD Quant Desk Flash. Solid steady margins (4% return on capital), mixed timing at 29x P/E—hold if owned, no rush to chase.