Stocks · Financial Services · Banks - Regional
Beacon Financial Corp. BBT
$28.34 +0.85% Close, Oct 2, 2026 · NYSE · Market cap $2.38B
Strong growth
Next earnings report: Oct 21, 2026
Scroll or pinch to zoom, drag to move. Daily prices adjusted for splits. Markers: E = earnings (green beat, red miss), S = split, D = dividend.
Three things to know
- Revenue over the last four quarters was $1.15B, up 73.7% from a year earlier, accelerating from 50.0% a quarter earlier.
- At 21.5× trailing earnings, the shares trade at the lowest P/E of the company's past five years.
- The diluted share count fell 8.8% in a year, mainly through buybacks.
PromtFinance scores
Each score is a percentile within the Financial Services sector (0–100). Under each score: how the stock ranks in its sector on every component. As of Oct 5, 2026.
How fast revenue, earnings and cash flow are growing.
- Revenue growth (TTM, YoY)Top 5%
- EPS growth (TTM, YoY)Top 46%
- FCF growth (TTM, YoY)Bottom 6%
- Revenue growth, 3-year CAGRTop 31%
- Revenue growth accelerationTop 4%
Returns on capital, margins, earnings quality and balance-sheet strength.
- Return on invested capitalBottom 36%
- Gross marginBottom 30%
- Operating marginBottom 29%
- Cash conversion (OCF / net income)Bottom 21%
- Accruals (lower is better)Bottom 26%
- Net debt / EBITDA (lower is better)Bottom 30%
- Interest coverBottom 21%
How cheap the shares are relative to earnings, cash flow and their own history.
- Earnings yieldBottom 39%
- Free-cash-flow yieldBottom 22%
- EBITDA / enterprise valueBottom 44%
- Sales / enterprise valueTop 38%
- P/E vs own 5-year history (lower is better)Top 3%
Strength and persistence of the price trend, including versus the S&P 500.
- 12-month return excluding last monthTop 20%
- 6-month returnBottom 13%
- 1-year return vs S&P 500Top 31%
- Distance from 52-week highBottom 38%
- Trend checklist (0–4)Bottom 27%
Earnings surprises and analyst sentiment (estimate-revision history is being collected).
- Average EPS surprise, last 4 quartersBottom 14%
- Consecutive EPS beatsBottom 43%
- Share of analysts rating BuyBottom 49%
- Upside to consensus price targetTop 23%
Low volatility, shallow drawdowns, low market sensitivity and modest leverage.
- Volatility, 60 days (lower is better)Bottom 40%
- Maximum drawdown, 3 yearsTop 45%
- Beta vs S&P 500 (lower is better)Bottom 50%
- Net debt / EBITDA (lower is better)Bottom 30%
What changed
Latest four quarters versus the same period a year earlier (growth: versus one quarter earlier).
| Measure | Before | Now | |
|---|---|---|---|
| Revenue growth (YoY) | 50.0% | 73.7% | ↑ |
| EPS growth (YoY) | -14.6% | 22.8% | ↑ |
| Gross margin | 57.9% | 55.8% | ↓ |
| Operating margin | 19.6% | 13.6% | ↓ |
| FCF margin | 16.2% | -0.4% | ↓ |
Fundamental momentum
| Measure | Now (TTM) | Year / quarter before | Sector rank | |
|---|---|---|---|---|
| Revenue growth (TTM, YoY) | 73.7% | 50.0% | ↑ | Top 5% |
| EPS growth (TTM, YoY) | 22.8% | -14.6% | ↑ | Top 46% |
| Gross margin | 55.8% | 57.9% | ↓ | Bottom 30% |
| Operating margin | 13.6% | 19.6% | ↓ | Bottom 29% |
| Net margin | 9.9% | 14.5% | ↓ | — |
| Free-cash-flow margin | -0.4% | 16.2% | ↓ | — |
| Return on invested capital | 0.5% | — | Bottom 36% | |
| Revenue growth, 3-year CAGR | 20.1% | — | Top 31% |
Quality of earnings and balance sheet
- Cash conversion (OCF / net income)Above 1× means profits are backed by cash.
- 0.01×
- Accruals (net income − OCF) / assetsLower is better; high accruals can signal weaker earnings quality.
- 0.5%
- Stock-based compensation / revenueA cost to shareholders through dilution.
- 0.3%
- Net debt / EBITDABelow 1× is conservative; above 3× is high leverage.
- 4.25×
- Interest cover (operating income / interest)How many times operating profit covers interest.
- 0.4×
Shareholder returns
- Dividend yield (dividends paid, TTM)
- 1.64%
- Net buyback yield (TTM)
- 0.08%
- Shareholder yield
- 1.72%
- Share count change, 1 year
- -8.8%
Shareholder yield = dividends + net buybacks over the last four quarters, divided by market cap.
Based on the four quarters through Jun 30, 2026 (filed Jun 30, 2026).
Earnings and expectations
Earnings momentum
- Consecutive EPS beats
- 1
- Beats in the last 8 reports
- 5 of 8
- Average EPS surprise, last 4
- -12.6%
- Average 2-day reaction, last 8
- -0.4%
- Positive 20 days after report
- 5 of 8
Analysts
- Consensus price target
- $36.00
- Target vs current price
- +27.0%
- Analysts with a rating
- 13
- Share rating Buy or Strong Buy
- 46%
- Consensus rating
- Hold
How the stock reacted to recent reports
| Report date | EPS surprise | 2 days | 5 days | 20 days | 60 days |
|---|---|---|---|---|---|
| Jul 29, 2026 | +0.4% | -0.4% | +7.1% | +4.8% | — |
| Apr 29, 2026 | -15.7% | -1.5% | -9.8% | -8.8% | -5.3% |
| Jan 28, 2026 | +0.0% | -0.7% | +3.6% | +9.9% | +11.8% |
| Oct 29, 2025 | -35.3% | -3.3% | +4.1% | +8.2% | +18.4% |
| Jul 24, 2025 | +16.6% | -1.8% | -4.5% | -3.2% | -11.3% |
| Apr 24, 2025 | +14.3% | +3.2% | +2.2% | +4.0% | +7.8% |
| Jan 30, 2025 | +9.7% | +2.0% | +5.3% | -1.6% | -13.6% |
| Oct 24, 2024 | +5.8% | -0.7% | +0.4% | +9.1% | +2.6% |
Returns from the close before each report. Past reactions do not determine future ones.
Earnings history
| Report date | EPS | Estimate | Surprise | Revenue |
|---|---|---|---|---|
| Jul 29, 2026 | $0.77 | $0.77 | +0.4% | $219.2M |
| Apr 29, 2026 | $0.70 | $0.83 | -15.7% | $214.7M |
| Jan 28, 2026 | $0.79 | $0.79 | +0.0% | $225.7M |
| Oct 29, 2025 | $0.44 | $0.68 | -35.3% | $145.0M |
| Jul 24, 2025 | $0.69 | $0.59 | +16.6% | $113.7M |
| Apr 24, 2025 | $0.60 | $0.53 | +14.3% | $110.4M |
| Jan 30, 2025 | $0.60 | $0.55 | +9.7% | $110.2M |
| Oct 24, 2024 | $0.58 | $0.55 | +5.8% | $125.6M |
Valuation in context
| Multiple | Now | 5-year median | 5-year percentile | Sector rank (cheapness) |
|---|---|---|---|---|
| P/E (trailing) | 21.5× | 38.7× | 0th | Bottom 39% |
| P/E (forward) | 9.3× | — | — | — |
| EV / EBITDA | 17.9× | — | — | Bottom 44% |
| EV / Sales | 2.72× | — | — | Top 38% |
| Free-cash-flow yield | -0.18% | — | — | Bottom 22% |
| Earnings yield | 4.66% | — | — | Bottom 39% |
P/E over the past five years
Range 23.1× – 118.5× since Sep 30, 2024. Each point: price on the filing date divided by trailing-twelve-month EPS known then.
What moved the stock over the past year
- Price return, 1 year
- +20.1%
- Earnings per share growth (TTM)
- +22.8%
- Change in P/E multiple
- -0.9%
Most of the move came from earnings growth.
Technical state
Trend checklist
- ✗ Price above 20-day average
- ✗ Price above 50-day average
- ✗ Price above 200-day average
- ✓ 50-day average above 200-day
- ✗ MACD histogram positive
Trend quality
- Days above the 50-day average
- 0
- Days above the 200-day average
- 0
- 50-day average slope (20 days)
- -0.9%
- 200-day average slope (20 days)
- +1.4%
- Distance from 50-day average
- -7.8%
- Distance from 200-day average
- -4.8%
- RSI (14)
- 34.1
- Relative volume
- 0.61×
Risk and drawdowns
- Volatility, 60 days (annualized)
- 23.2%
- Volatility vs own 5-year history
- 6th percentile · Low for this stock
- Beta vs S&P 500 (2 years, weekly)
- 0.70
- Correlation with S&P 500
- 0.38
- Current drawdown from 1-year high
- -13.1%
- Maximum drawdown, 3 years
- -27.3%
Largest declines in the past six years
| From peak | To low | Decline | Length | Recovery |
|---|---|---|---|---|
| Dec 2, 2022 | Oct 24, 2023 | -41.5% | 223 days | 573 days (Feb 6, 2026) |
| Jan 14, 2022 | Jul 14, 2022 | -23.2% | 123 days | 98 days (Dec 1, 2022) |
| Jan 12, 2021 | Jan 29, 2021 | -16.4% | 12 days | 6 days (Feb 8, 2021) |
| Jun 16, 2021 | Sep 14, 2021 | -16.3% | 62 days | 50 days (Nov 23, 2021) |
| Aug 17, 2026 | Sep 29, 2026 | -14.9% | 30 days | Not yet recovered |
Declines of 10% or more from a closing high, measured on daily closes.
Financial statements
- Market cap
- $2.38B
- P/E (TTM)
- 21.5
- EPS, diluted (TTM)
- $1.32
- Revenue (TTM)
- $1.15B
- Dividend yield
- 4.56%
- 52-week range
- $22.81 – $32.83
| FY 2021 | FY 2022 | FY 2023 | FY 2024 | FY 2025 | |
|---|---|---|---|---|---|
| Revenue | $460.7M | $438.3M | $606.5M | $643.4M | $759.3M |
| Gross profit | $423.3M | $384.7M | $367.3M | $357.0M | $388.2M |
| Operating income | $149.0M | $113.8M | $78.3M | $79.5M | $121.9M |
| Net income | $118.7M | $92.5M | $69.6M | $61.0M | $90.3M |
| EPS (diluted) | $1.20 | $1.01 | $0.80 | $0.72 | $1.03 |
| Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | |
|---|---|---|---|---|---|---|---|---|
| Revenue | $165.9M | $160.8M | $164.1M | $170.2M | $228.5M | $309.7M | $290.3M | $319.6M |
| Net income | $20.1M | $19.7M | $25.7M | $30.4M | -$50.2M | $53.4M | $46.2M | $64.4M |
| EPS (diluted) | $0.24 | $0.23 | $0.28 | $0.33 | -$0.64 | $0.64 | $0.55 | $0.77 |
| FY 2021 | FY 2022 | FY 2023 | FY 2024 | FY 2025 | |
|---|---|---|---|---|---|
| Operating cash flow | $133.2M | $120.8M | $116.6M | $105.0M | $0 |
| Capital expenditure | -$4.8M | -$7.4M | -$12.4M | -$5.0M | $0 |
| Free cash flow | $128.4M | $113.4M | $104.2M | $100.0M | $0 |
| Dividends paid | -$37.5M | -$40.1M | -$47.9M | -$48.1M | $0 |
| Net share buybacks | -$10.0M | -$13.8M | -$23.8M | $82.6M | $0 |
Cash outflows are shown as negative numbers.
- Cash and short-term investments
- $240.7M
- Total assets
- $22.25B
- Total liabilities
- $19.71B
- Total debt
- $979.5M
- Net debt
- $738.8M
- Shareholders’ equity
- $2.54B
As of Jun 30, 2026 (filed Jun 30, 2026).
Dividends
| Ex-date | Amount | Paid |
|---|---|---|
| Aug 14, 2026 | $0.32 | Aug 28, 2026 |
| May 15, 2026 | $0.32 | May 29, 2026 |
| Feb 13, 2026 | $0.32 | Feb 27, 2026 |
| Nov 10, 2025 | $0.32 | Nov 24, 2025 |
| Aug 14, 2025 | $0.18 | Aug 21, 2025 |
| May 15, 2025 | $0.18 | May 29, 2025 |
| Feb 20, 2025 | $0.18 | Mar 6, 2025 |
| Nov 14, 2024 | $0.18 | Nov 27, 2024 |
Short interest
- Shares sold short
- 4,578,444
- Days to cover
- 5.40
- Change vs previous report
- +14.4%
FINRA short interest, settlement date Sep 15, 2026.