Beacon Financial Corporation (BBT) fair value: what the stock is really worth
As of Nov 6, 2026: fair value (intrinsic value) of Beacon Financial Corporation stock $21.55, price $30.60, that is 29.6% below the price, quality 57 out of 100. Rating: overvalued. Calculated from audited financials with 6 of our 26 valuation models and 37 quality factors, updated daily.
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Beacon Financial Corporation
BBT · USOur calculation puts a fair price 30% below what the stock costs today.
What runs behind every stock
69 individual criteria per stock, every one traceable See the method →
Price vs Fair Value
White line = price, green steps = our fair value per fiscal year. As of Nov 7, 2026.
How to read this chart
60‑month range $16.69 – $32.61 · fair‑value band $17.50 – $22.10 · the $30.60 price screens above the $21.55 fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). As of Nov 7, 2026.
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Company profile
Beacon Financial Corporation operates as the bank holding company for Beacon Bank & Trust that provides various banking services in the United States and internationally. The company accepts commercial, municipal, and retail deposits.
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It originates mortgage loans on commercial and residential real estate, as well as commercial loans and leases. It is also involved in investment in debt and equity securities; and offers cash management, trust, and investment advisory services.
In addition, the company provides specialty equipment financing and SBA lending, and online and mobile banking services, as well as wealth management services to individuals, families, endowments, and foundations.
Beacon Financial Corporation was founded in 1846 and is headquartered in Boston, Massachusetts.
Stock analysis
Beacon Financial Corporation (BBT) currently trades at $30.60, while our model-based Fair Value estimate is $21.55, 30% below the price, so the stock looks overvalued today.
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Valuation
Bull case: the Multiples group reads highest at a median of $23.33 per share, and 1 of the 6 models we run sit above the $30.60 price.
Bear case: the Dividend Discount group reads lowest at $12.24, and 5 of the 6 models stay below the price. Data coverage for this calculation is high.
Scenario range: $17.50 (bear) to $22.10 (bull), the price of $30.60 sits above it. Bear and bull are the same models on cautious and optimistic assumptions, a range, not a price target.
Quality & growth
The Quality Score stands at 57/100 (solid quality), in the Financial Services sector.
Mixed Growth: Revenue is growing, but margins or cash flow do not fully confirm the trend.
Beacon Financial Corporation reported revenue of $759M in FY2025 versus $461M in FY2021, a compound +13.3%/yr. Reported net income was $90.3M in FY2025, compounding −6.6%/yr from FY2021.
Key figures
Market cap $2.6B Mid · P/E ratio 9.6 · P/S ratio 3.01 · EPS (TTM) $3.18 · Dividend yield 4.2% · Net margin 26.4% · Return on equity 9.1% · Return on assets (EBIT) 1.0% (5-year average).
Competitive moat
Our AI-assisted moat analysis scores the competitive advantage at 63 out of 100 (low confidence).
What moves the price
The share trades about 6% below its 52-week high and 31% above its 52-week low, currently above its 200-day average.
For context, the median of 10 Financial Services peers we cover trades at −28% fair-value upside, at −30%, BBT screens richer than that median.
Fair Value models
All 6 models by family
Quality Score breakdown
It rates the business: profits, how they develop, real cash, balance sheet, investing and share count.
Insider trades
In the last 6 months, 7 officers or directors bought shares worth $280,472, most recently on Oct 30, 2026. Over the same period, one person sold shares worth $19,621. Buying cluster
- BuyNina A CharnleyDirector350 shares at $30.57$10,700Oct 30, 2026
- BuyWilliam H Hughes IIIDirector200 shares at $30.73$6,146Oct 29, 2026
- BuyMary Anne CallahanDirector3,200 shares at $30.21$96,672Oct 28, 2026
- BuyEric S RosengrenDirector700 shares at $30.24$21,168Oct 28, 2026
- BuyMargaret Boles FitzgeraldDirector329 shares at $30.77$10,123Oct 27, 2026
- BuyKaryn PolitoDirector1,000 shares at $30.68$30,680Oct 26, 2026
- BuyThomas J HollisterDirector3,450 shares at $30.43$104,984Oct 26, 2026
- SaleJohn Buckley EaganGeneral Counsel641 shares at $30.61$19,621Oct 26, 2026
- SaleMichael W. McCurdyChief Banking Officer17,333 shares at $31.04$538,016Feb 26, 2026
Plus 30 other filings such as grants, option exercises or tax withholding. They are not market purchases or sales.
Sales are often planned (taxes, diversification, 10b5-1 plans). Purchases with their own money are seen as the stronger sign. For information only: not part of the quality score or Fair Value.
Source: SEC Form 4, as of Nov 6, 2026. All filings at the SEC ↗
Revenue & earnings trend
BBT screens overvalued: fair value 30% below the price. Compare with China Merchants Bank Co →
Earlier news
- Beacon Financial (BFN) Stock Jumps After Strong Q3 Earnings
- Beacon (BBT) Reports Q3 Earnings: What Key Metrics Have to Say
- Beacon Financial (BBT) Q3 Earnings and Revenues Lag Estimates
- Beacon: Q3 Earnings Snapshot
Compare Beacon Financial Corporation with another stock
Price, fair value, quality and upside side by side.
Peer GroupⓘHow this stock ranks against its industry: the green marker is this stock, the band is the typical 25–75% peer range, and the tick is the median.Banks - Regional · 998 stocks
Valuation Multiplesvs Banks - Regional median · lower = cheaper
Strength profile in five axes (Snowflake)
VALUE 0: the price sits above our fair-value range.
HEALTH: for banks, insurers and similar financial firms borrowed money is part of the business, so we do not rate debt here.
Context: sector, industry, market
- Is the Financials sector expensive or cheap?
- P/E, EV/EBITDA and margins by industry (reference tables)
- Price/FCF by industry
- Debt-to-equity by industry
- PEG screener for stocks with fair value
- Undervalued stocks: US Stocks
- Valuation of the USA market
Values & ESG
Does this company touch areas you may want to avoid? The classification is inferred from sector and industry.
Similar stocks
10 more Banks - Regional stocks, each showing price versus our Fair Value estimate.
| Stock | Price | Fair Value | vs Fair Value | Compare |
|---|---|---|---|---|
| Postal Savings Bank of China Co 601658 | ¥5.53 | ¥7.59 | +37% | vs BBT |
| China Merchants Bank Co 600036 | ¥42.88 | ¥52.73 | +23% | vs BBT |
| BNP Paribas SA BNP | €91.93 | €106.01 | +15% | vs BBT |
| Intesa Sanpaolo S.p.A ISP | €6.18 | €4.49 | −27% | vs BBT |
| State Bank of India SBIN | ₹1,019 | ₹736.65 | −28% | vs BBT |
| UniCredit S.p.A UCG | €76.80 | €50.44 | −34% | vs BBT |
| Mizuho Financial Group MFG | $9.40 | $5.90 | −37% | vs BBT |
| DBS Group D05 | 69.72 SGD | 40.39 SGD | −42% | vs BBT |
| HDFC Bank Limited HDFCBANK | ₹788.25 | ₹406.39 | −48% | vs BBT |
| ICICI Bank Limited ICICIBANK | ₹1,571 | ₹615.63 | −61% | vs BBT |
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Frequently asked questions
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Key figures of Beacon Financial Corporation
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