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What this page is: Delvantic's full research page for Beacon Financial Corporation (BBT) — AI-driven forensic equity research: mechanical valuation models (DCF, EPV, anchored-PE, scenario) plus three independent AI lenses (Quality / Value / Sentiment). Everything below is rendered server-side; you are not missing content that requires JavaScript. All scores are predictions and research opinions, not financial advice.
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profile-header/price-overview— company profile, live quote, market capextended-analysis— the core: three AI lens reads with findings, scores, and the analyst memofuture-predictions— our forward price-band predictionsmarket-narrative/ai-findings/gpt-critique— narrative context, cross-model findings, and an adversarial critique of our own analysis (near the end of the document)- Members-only sections (render as login gates for anonymous readers):
price-history,income-trend,key-metrics,financials(statement tables),insider-trading. The analysis above is public; the raw data tables require a free account.
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Beacon Financial Corporation
BBT NYSE
Financial Services · Banks - Regional
Boston, MA 02116, United States
beaconfinancialcorporation.com
Price
$32.36
Market Cap
$2.7B
Employees
951
Beta
—
Avg Volume
734,933
Last Dividend
$1.15
CEO
Mr. Paul A. Perrault
Beacon Financial Corporation is a regional bank holding company that operates through its principal subsidiary, Beacon Bank & Trust. Formed from the merger of Berkshire Hills Bancorp and Brookline Bancorp in 2025, Beacon Financial serves a broad geographic area including New England and New York with over 145 branch offices. The company offers a diverse range of banking services such as deposit products, commercial lending, asset-based lending, retail and consumer banking, and residential mortgage services. With assets totaling approximately $12.1 billion and deposits of around $10.3 billion post-merger, Beacon Financial plays a significant role in the regional financial market by providing comprehensive banking solutions tailored to both individual and business clients. Headquartered in Boston, Massachusetts, it represents a substantial regional banking franchise focused on community banking and local economic development.
Runs with full report
Earnings Schedule
Checked daily · calendar updated Aug 14 No upcoming print on the calendar yet — companies typically confirm a few weeks ahead. Last print was Jul 29, 2026.
EPS surprise history — vs analyst consensus · 4 prints of vendor history
+0.0%
Jan '26
+6.0%
Apr '26
-16.7%
Apr '26
+0.0%
Jul '26
| Print date | EPS est. | EPS actual | Revenue est. | Revenue actual |
|---|---|---|---|---|
| Jul 29, 2026 | $0.77 | $0.77 +0.0% | — | — |
| Apr 29, 2026 | $0.84 | $0.70 -16.7% | — | — |
| Apr 15, 2026 | $0.50 | $0.53 +6.0% | — | — |
| Jan 28, 2026 | $0.79 | $0.79 +0.0% | — | — |
Green = beat the estimate, red = missed. An earnings print is the fastest way a thesis changes — our designations should be re-read after each one.
Recent SEC Filings
| Filed | Form | Document |
|---|---|---|
| Aug 13, 2026 | 8-K | View |
| Aug 7, 2026 | 10-Q | View |
| Aug 4, 2026 | 3 | View |
| Aug 3, 2026 | 8-K | View |
| Jul 29, 2026 | 8-K | View |
| Jul 10, 2026 | 8-K | View |
| Jun 25, 2026 | 11-K | View |
| Jun 24, 2026 | 4 | View |
| Jun 24, 2026 | 4 | View |
| Jun 24, 2026 | 4 | View |
| Jun 24, 2026 | 4 | View |
| Jun 24, 2026 | 4 | View |
Filings link to the SEC’s EDGAR system. Annual/quarterly reports (10-K, 10-Q, 20-F) carry the full story; 8-K/6-K current reports are the fastest signal that something material happened.
Price Overview
Last updated: Aug 14, 2026 8:34am (just now)
Current data · timestamped when a report runs
$32.36
Change · Aug 14
+0.32 (+1.00%)
Day Range
$32.15 – $32.52
52-Week Range
$22.81 – $32.83
50-Day MA
$30.41
200-Day MA
$28.89
Volume
361,979.00
Share Structure
Outstanding
84,364,733.00
Float
77,582,652.00
Free Float
92.0%
High free float
— 92.0% of shares trade freely, ~8% held by insiders/institutions
Very liquid — most shares trade freely. Low insider ownership can mean less management alignment, but makes large position sizing straightforward.
Price History (1 Year)
Revenue & Net Income Trend
The directional story — useful even when net income is negative.
Revenue
The top line — total sales before any costs or taxes are subtracted. A measure of how much business the company is doing.
Net Income
The bottom line — profit left after subtracting all expenses, interest, and taxes from revenue. Reflects accounting profitability, but includes non-cash items like depreciation, so it isn't the same as cash earned.
Operating Cash Flow
The real cash generated by the day-to-day business — selling products, paying suppliers, collecting from customers. Calculated from net income by adding back non-cash items and adjusting for timing (unpaid bills, unsold inventory). When OCF consistently lags net income, the reported profit may not be converting to real money.
| Period | Revenue | Net Income | Net Margin | YoY/QoQ |
|---|
Key Metrics
TD Twelve Data statement
HEX SEC filing
P/E Ratio (Price per dollar of earnings)
HEXStock Price / EPS (Diluted)
31.42
Stock Price: $32.36
EPS (Diluted): 1.03
EPS (Diluted): 1.03
P/B Ratio (Price vs net asset value)
HEXStock Price / Book Value Per Share
1.14
Stock Price: $32.36
Total Equity: $2.50B
Shares: 87,641,748
Total Equity: $2.50B
Shares: 87,641,748
EV/EBITDA (Total value vs operating profit)
HEXEnterprise Value / EBITDA
—
Market Cap: $2.71B
Total Debt: $788.36M
Cash: $2.04B
EBITDA: N/A
Total Debt: $788.36M
Cash: $2.04B
EBITDA: N/A
EBITDA not available
Enterprise Value (Takeover price (cap + debt - cash))
HEXMarket Cap + Total Debt - Cash
$1.5B
Market Cap: $2.71B
Total Debt: $788.36M
Cash: $2.04B
Total Debt: $788.36M
Cash: $2.04B
Gross Margin (Revenue left after direct costs)
HEXGross Profit / Revenue
—
Gross Profit: N/A
Revenue: $552.99M
Revenue: $552.99M
Missing from API: Gross Profit
Operating Margin (Revenue left after all operations)
HEXOperating Income / Revenue
—
Operating Income: N/A
Revenue: $552.99M
Revenue: $552.99M
Missing from API: Operating Income
Net Margin (Revenue left as actual profit)
HEXNet Income / Revenue
16.3%
Net Income: $90.27M
Revenue: $552.99M
Revenue: $552.99M
ROE (Profit from shareholder equity)
HEXNet Income / Total Equity
3.6%
Net Income: $90.27M
Total Equity: $2.50B
Total Equity: $2.50B
ROIC (Profit from all invested capital)
HEXNOPAT / Invested Capital
—
Operating Income: N/A
Tax Rate: 25.9%
Equity: $2.50B
Total Debt: $788.36M
Cash: $2.04B
Tax Rate: 25.9%
Equity: $2.50B
Total Debt: $788.36M
Cash: $2.04B
Missing from API: Operating Income
Current Ratio (Can it pay short-term bills)
HEXCurrent Assets / Current Liabilities
—
Current Assets: N/A
Current Liabilities: N/A
Current Liabilities: N/A
Missing from API: Current Assets, Current Liabilities
Debt/Equity (Leverage — debt vs equity)
HEXTotal Debt / Total Equity
0.32
Short-Term Debt: $0.00
Long-Term Debt: $788.36M
Total Debt: $788.36M
Total Equity: $2.50B
Long-Term Debt: $788.36M
Total Debt: $788.36M
Total Equity: $2.50B
Rev/Share (Top-line per share)
HEXRevenue / Shares Outstanding
$6.31
Revenue: $552.99M
Shares: 87,641,748
Shares: 87,641,748
Book Value/Share (Net assets per share)
HEX(Total Assets - Total Liabilities) / Shares
$28.48
Total Equity: $2.50B
Shares: 87,641,748
Shares: 87,641,748
FCF/Share (Real cash generated per share)
HEX(Operating Cash Flow + CapEx) / Shares
$2.42
Operating CF: $224.44M
CapEx: -$12.29M
Shares: 87,641,748
CapEx: -$12.29M
Shares: 87,641,748
CapEx is negative (outflow) — added to OCF to get FCF
Div Yield (Annual income from holding)
TDLast Annual Dividend / Stock Price
3.6%
Last Dividend: $1.15
Stock Price: $32.36
Stock Price: $32.36
Payout Ratio (Earnings paid out as dividends)
HEXDividends Paid / Net Income
69.9%
Dividends Paid: -$63.12M
Net Income: $90.27M
Net Income: $90.27M
Income Statement (Annual)
Last updated: Aug 14, 2026 8:34am (just now)| Metric | 2024 | 2025 |
|---|---|---|
| Revenue | $355.6M | $553.0M |
| Cost of Revenue | — | — |
| Gross Profit | — | — |
| Operating Expenses | $157.0M | $205.0M |
| Operating Income | — | — |
| Net Income | $68.7M | $90.3M |
| EBITDA | — | — |
| EPS | $1.83 | $1.03 |
| EPS (Diluted) | $1.83 | $1.03 |
Balance Sheet (Annual)
Last updated: Aug 14, 2026 8:34am (just now)| Metric | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|---|
| Cash & Equivalents | — | — | — | $543.7M | $2.0B |
| Total Current Assets | — | — | — | — | — |
| Total Assets | $11.6B | $11.7B | $12.4B | $12.3B | $23.2B |
| Current Liabilities | — | — | — | — | — |
| Long-Term Debt | $110.8M | $125.5M | $246.6M | $334.6M | $788.4M |
| Total Liabilities | $10.4B | $10.7B | $11.4B | $11.1B | $20.7B |
| Total Equity | $1.2B | $954.1M | $1.0B | $1.2B | $2.5B |
| Retained Earnings | -$139.4M | -$71.4M | -$33.1M | -$3.1M | $485.9M |
Cash Flow (Annual)
Last updated: Aug 14, 2026 8:34am (just now)| Metric | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|---|
| Operating Cash Flow | $105.5M | $123.2M | $157.2M | $125.2M | $224.4M |
| Capital Expenditure | -$1.6M | -$1.5M | -$1.8M | -$4.6M | -$12.3M |
| Free Cash Flow | $103.9M | $121.7M | $155.3M | $120.6M | $212.2M |
| Acquisitions (net) | — | — | -$80.2M | $0 | $1.1B |
| Net Debt Issued / (Repaid) | -$462.1M | $98.0M | $0 | $0 | — |
| Dividends Paid | -$24.6M | -$24.5M | -$31.7M | -$30.9M | -$63.1M |
| Stock Buybacks | -$68.7M | -$124.5M | -$23.8M | -$17.5M | — |
| Net Change in Cash | $69.9M | -$942.5M | $517.9M | -$74.8M | $1.5B |
Growth Trends (YoY %)
Last updated: Aug 14, 2026 8:34am (just now)| Metric | 2025 |
|---|---|
| Revenue Growth | +55.5% |
| Gross Profit Growth | — |
| Operating Income Growth | — |
| Net Income Growth | +31.4% |
| EBITDA Growth | — |
Dividend History (Last 20)
Last updated: Aug 14, 2026 8:34am (just now)| Date | Dividend | Declaration | Record | Payment |
|---|---|---|---|---|
| 2026-05-15 | $0.32 | — | — | — |
| 2026-02-13 | $0.32 | — | — | — |
| 2025-11-10 | $0.32 | — | — | — |
| 2025-08-14 | $0.18 | — | — | — |
| 2025-05-15 | $0.18 | — | — | — |
| 2025-02-20 | $0.18 | — | — | — |
| 2024-11-14 | $0.18 | — | — | — |
| 2024-09-30 | $0.18 | — | — | — |
| 2024-06-20 | $0.18 | — | — | — |
| 2024-03-20 | $0.18 | — | — | — |
| 2023-11-15 | $0.18 | — | — | — |
| 2023-08-16 | $0.18 | — | — | — |
| 2023-05-17 | $0.18 | — | — | — |
| 2023-02-15 | $0.18 | — | — | — |
| 2022-11-16 | $0.18 | — | — | — |
| 2022-08-10 | $0.12 | — | — | — |
| 2022-05-11 | $0.12 | — | — | — |
| 2022-02-09 | $0.12 | — | — | — |
| 2021-11-09 | $0.12 | — | — | — |
| 2021-08-25 | $0.12 | — | — | — |
Insider Trading (Recent)
Type codes
PPurchase
SSale
AAward / grant
MOption exercise
FIn-kind (tax)
CConversion
GGift
DReturn to issuer
All SEC Form 4 codes
Open market
- P Purchase
- Open-market or private purchase of shares.
- S Sale
- Open-market or private sale of shares.
Compensation (Rule 16b-3)
- A Award / grant
- Grant or award of securities (RSUs, options, etc.) under Rule 16b-3.
- D Return to issuer
- Securities disposed back to the company under Rule 16b-3.
- F In-kind (tax)
- Shares withheld or delivered to pay the option-exercise price or tax — not an open-market sale.
- I Discretionary
- Discretionary transaction under an employee plan — Rule 16b-3(f).
- M Option exercise
- Exercise or conversion of a derivative (option/RSU) into shares — exempt.
Derivatives
- C Conversion
- Conversion of a derivative security into the underlying shares.
- E Short expiration
- Expiration of a short derivative position.
- H Long expiration
- Expiration or cancellation of a long derivative position with value received.
- O OTM exercise
- Exercise of an out-of-the-money derivative.
- X ITM exercise
- Exercise of an in-the-money or at-the-money derivative.
Other exempt
- G Gift
- Bona fide gift of securities.
- L Small acquisition
- Small acquisition under Rule 16a-6.
- W Inheritance
- Acquisition or disposition by will or the laws of descent.
- Z Voting trust
- Deposit into or withdrawal from a voting trust.
Other
- J Other
- Other acquisition or disposition (explained in a Form 4 footnote).
- K Equity swap
- Transaction in an equity swap or similar instrument.
- U Tender / buyout
- Disposition via tender of shares in a change-of-control transaction.
Compensation-plan codes (A, D, F, M) are routine and rarely directional. Open-market P (buy) and S (sale) carry the most signal.
| Date | Insider | Type | Shares | Price | Value |
|---|---|---|---|---|---|
| 2026-06-16 | PERRAULT PAUL A | A-Award | 18,174.00 | $0.00 | $0 |
| 2026-06-16 | McCurdy Michael W. | A-Award | 5,167.00 | $0.00 | $0 |
| 2026-06-16 | Meiklejohn Mark J. | A-Award | 4,420.00 | $0.00 | $0 |
| 2026-06-16 | Levante Gary R. | A-Award | 2,164.00 | $0.00 | $0 |
| 2026-06-16 | Rosengren Eric S | A-Award | 2,509.00 | $0.00 | $0 |
| 2026-06-16 | Pereira John M. | A-Award | 2,509.00 | $0.00 | $0 |
| 2026-06-16 | Chang Joanne B. | A-Award | 2,509.00 | $0.00 | $0 |
| 2026-06-16 | Polito Karyn | A-Award | 2,509.00 | $0.00 | $0 |
| 2026-06-16 | Fitzgerald Margaret Boles | A-Award | 2,509.00 | $0.00 | $0 |
| 2026-06-16 | Callahan Mary Anne | A-Award | 2,509.00 | $0.00 | $0 |
| 2026-06-16 | SHERMAN MERRILL W | A-Award | 2,509.00 | $0.00 | $0 |
| 2026-06-16 | Desai Mihir A. | A-Award | 2,509.00 | $0.00 | $0 |
| 2026-06-16 | Charnley Nina A | A-Award | 2,509.00 | $0.00 | $0 |
| 2026-06-16 | Maxfield Sylvia | A-Award | 2,509.00 | $0.00 | $0 |
| 2026-06-16 | Hill Willard I JR | A-Award | 2,509.00 | $0.00 | $0 |
| 2026-06-16 | Hughes William H III | A-Award | 2,509.00 | $0.00 | $0 |
| 2026-06-16 | Gray Sean | A-Award | 5,167.00 | $0.00 | $0 |
| 2026-06-16 | Hollister Thomas J | A-Award | 2,509.00 | $0.00 | $0 |
| 2026-06-16 | NOWAK BOGDAN | A-Award | 2,509.00 | $0.00 | $0 |
| 2026-06-16 | Carlson Carl M | A-Award | 5,167.00 | $0.00 | $0 |
Industry Benchmarks
Compares BBT against LLM-researched typical ranges for its
industry. One research call per industry, cached indefinitely — every stock in the same industry
reuses the same baseline.
Deep Analysis
Pre-flight intelligence scans the company first, then routes to the right analytical methods.
0
Company Classification
— What type of company is this?
1
Industry Landscape
— Where is the industry headed?
2
Company Momentum
— Where is this company trending?
3
Forward Projection
— 1Y & 2Y projected metrics (requires Layer 1 + 2)
4a
DCF Valuation
— Present value of future cash flows
4b
Earnings Power Value
— Floor value — worth with zero growth
4c
Anchored PE
— Industry PE adjusted for growth differential
4d
Reverse DCF
— What growth is the market pricing in?
4e
Revenue-Based DCF
— For growth/narrative companies (skip if mature earner)
4f
Anchored P/S
— Price-to-Sales peer comparison (skip if mature earner)
4g
Scenario Analysis
— Bull / Base / Bear (skip if mature earner)
4h
Dividend Discount Model
— For dividend/income stocks only
4i
Book Value Analysis
— For deep value / turnaround stocks only
4j
Insider Activity
— Are insiders buying or selling?
4f
Cash Flow Quality
— How trustworthy is the FCF?
4g
Debt Maturity Risk
— Can it handle its debt?
4h
Macro Environment
— Rates, market valuation, volatility
4i
Sector Intelligence
— How does this company compare within its sector?
4j
Revenue Confidence
— How reliable is the growth projection?
4k
Sensitivity Analysis
— How fragile is the fair value estimate?
4l
Sector Demand Cycle
— Is the sector in a boom, steady state, or contraction?
5
AI Investigation
— Adaptive research engine (Claude)
5b
Thesis Evaluation
— What does the market believe? (narrative/platform stocks only)
6
Valuation Synthesis
— Weighted verdict from all methods (requires Layer 4)
Narrative Economics
The story the market is telling about this stock — the intangible X-factor
(founder mythology, cult dynamics, TAM-of-imagination) that moves price beyond
what cash flows alone explain. After Shiller, Narrative Economics.
No narrative profile yet for BBT — it's generated by the pipeline (
market-narrative step).
Claude Reading
No AI findings yet for BBT — they're generated by the
pipeline (
ai-findings step) when a report is run on this ticker.
GPT Reading
No GPT reading yet for BBT — it's generated by the
pipeline (
gpt-critique step) after the other Big-3 seats, when a
report is run on this ticker.
Grok Reading
No Grok reading yet for BBT — it's generated by the
pipeline (
grok-critique step) alongside the other Big-3 seats, when a
report is run on this ticker.
Advanced Analysis Forensic deep-dive · four lenses
No community reviews yet for BBT.
Be the first — hit How to Contribute, have any AI review this page, and paste its take back here.
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Data via Financial Modeling Prep · Cached for performance · twelvedata
v1.1.532 · 1ec19de8 · 2026-08-13 17:53:37