BBT
BEARISH
$28.26
Live
Beacon Financial Corporation · NYSE
Target $32.43
(+14.8%)
$22.27
52W Range
$30.5
At a glance
Key valuation, profitability, growth, and risk metrics.
Updated Jan 24, 2026
Market cap
$2.38B
P/E
134.57
ROE
0.5%
Profit margin
2.6%
Debt/Equity
N/A
Dividend yield
4.4%
AI Analysis
AI-powered fundamental assessment
Confidence
78%
The Advanced Deterministic Scorecard reveals significant concerns with a weak Piotroski F-Score of 4/9, indicating marginal financial health, and a missing Altman Z-Score prevents a full distress risk assessment. Despite a seemingly attractive Price/Book of 0.98 and a high dividend yield of 4.40%, the company is plagued by negative operating margins (-35.62%), collapsing revenue growth (-32.20% YoY), and an unsustainably high payout ratio of 600%. While analysts maintain a 'buy' recommendation with a target price above current levels, deteriorating profitability, insider selling, and a bearish technical trend contradict this optimism. The stock trades at a massive premium to its Graham Number ($11.65) and intrinsic value ($1.47), suggesting severe overvaluation relative to fundamentals.
Key Strengths
High dividend yield of 4.40% may attract income-focused investors
Price/Book ratio of 0.98 suggests the stock is trading near book value
Analyst consensus remains 'buy' with a target price of $32.43, implying 14.8% upside
Recent 6-month price performance is positive (+12.2%), indicating short-term momentum
Forward P/E of 7.86 is significantly lower than current P/E of 134.57, suggesting earnings recovery expectations
Key Risks
Piotroski F-Score of 4/9 indicates weak financial health with risk of deterioration
Operating margin of -35.62% reflects severe profitability issues
Revenue has declined 32.20% year-over-year, signaling fundamental business challenges
Dividend payout ratio of 600% is unsustainable and puts dividend continuity at risk
Insider selling activity in the last 6 months signals lack of confidence from insiders
AI Fair Value Estimate
Based on comprehensive analysis
$11.65
-58.8% below current price
Performance Snowflake
Multi-dimensional analysis across 5 key categories
Overall
35
Weak
28
30
45
34
38
AI Verdict
High risk, low quality, overvalued
Key drivers: Low Piotroski F-Score, Negative operating margin, Unsustainable dividend payout, Divergence between current and forward P/E, Insider selling
Confidence
75%
Value
28/100
Ref P/E, PEG, Graham Number
Positives
- Price/Book of 0.98 is below sector average
- Forward P/E of 7.86 is low
Watchpoints
- Current P/E of 134.57 is extremely high
- Stock trades at 2.42x Graham Number ($28.26 vs $11.65)
- Intrinsic value of $1.47 suggests deep overvaluation
Future
30/100
Ref Growth rates
Positives
- Forward P/E implies expected earnings improvement
Watchpoints
- Revenue growth YoY: -32.20%
- Most recent Q/Q EPS growth: -36.2%
- Year-over-Year EPS growth: -24.1%
Past
45/100
Ref Historical trends
Positives
- Historically beat earnings estimates in 15 of last 25 quarters
- Strong earnings surprises in 2020-2021 (over +30% multiple times)
Watchpoints
- Recent earnings misses: 2 of last 4 quarters
- Average surprise in last 4 quarters: -3.59%
- Earnings progression shows recent decline
Health
34/100
Ref Altman Z-Score, Piotroski F-Score
Positives
- No Altman Z-Score provided, so no distress signal confirmed
Watchpoints
- Piotroski F-Score of 4/9 indicates weak financial health
- Operating margin of -35.62% is deeply negative
- ROE of 0.46% and ROA of 0.05% show minimal profitability
Dividend
38/100
Ref Yield, Payout
Positives
- Dividend yield of 4.40% is above market average
Watchpoints
- Payout ratio of 600% is unsustainable
- Dividend Strength score of 40/100 indicates weak dividend safety
Stock Price & Analyst Targets
Real-time price movements and analyst price targets
Current Price
$28.26
Analyst Target
$32.43
Upside/Downside
+14.8%
Multi-Horizon Performance vs Peers
Price momentum across 5Y → 1W horizons for BBT and closest competitors.
Updated 2026-01-23
| Company | 5Y | 3Y | 1Y | 6M | 1M | 1W |
|---|---|---|---|---|---|---|
|
BBT
Beacon Financial Corporation
Primary
|
+69.6% | +8.7% | +3.5% | +12.2% | +4.5% | +2.8% |
|
NBTB
NBT Bancorp Inc.
Peer
|
+36.4% | +48.3% | +20.4% | +9.1% | +9.0% | +2.7% |
|
GOF
Guggenheim Strategic Opportunities Fund
Peer
|
+13.8% | +7.6% | -6.9% | -8.1% | +8.8% | -1.7% |
|
SLDE
Slide Insurance Holdings, Inc.
Peer
|
-6.5% | -6.5% | -6.5% | +23.0% | +7.8% | -0.3% |
|
ETY
Eaton Vance Tax-Managed Diversified Equity Income Fund
Peer
|
+66.6% | +64.3% | +16.9% | -3.4% | +6.6% | -0.6% |
BBT
Beacon Financial Corporation
Primary
5Y
+69.6%
3Y
+8.7%
1Y
+3.5%
6M
+12.2%
1M
+4.5%
1W
+2.8%
NBT
NBT Bancorp Inc.
Peer
5Y
+36.4%
3Y
+48.3%
1Y
+20.4%
6M
+9.1%
1M
+9.0%
1W
+2.7%
GOF
Guggenheim Strategic Opportunities Fund
Peer
5Y
+13.8%
3Y
+7.6%
1Y
-6.9%
6M
-8.1%
1M
+8.8%
1W
-1.7%
SLD
Slide Insurance Holdings, Inc.
Peer
5Y
-6.5%
3Y
-6.5%
1Y
-6.5%
6M
+23.0%
1M
+7.8%
1W
-0.3%
ETY
Eaton Vance Tax-Managed Diversified Equity Income Fund
Peer
5Y
+66.6%
3Y
+64.3%
1Y
+16.9%
6M
-3.4%
1M
+6.6%
1W
-0.6%
Positive values indicate cumulative gains over the specified period. Comparables pulled from the same sector to highlight whether momentum is stock-specific or industry-wide.
Historical Performance Trends
Long-term financial metrics and growth patterns
Revenue & Net Income
Profit & Operating Margins
Return on Equity (ROE)
Quarterly Revenue Growth
Historical data shows last 12 quarters (3 years)
Valuation Metrics
Key valuation ratios and pricing indicators
P/E Ratio
134.57
Forward P/E
7.86
PEG Ratio
N/A
P/B Ratio
0.98
P/S Ratio
7.49
EV/Revenue
7.37
EV/EBITDA
N/A
Market Cap
$2.38B
Profitability
Profit margins and return metrics
Profit Margin
2.65%
Operating Margin
-35.62%
Gross Margin
N/A
ROE
0.46%
ROA
0.05%
Growth
Revenue and earnings growth rates
Revenue Growth
-32.2%
Earnings Growth
N/A
Q/Q Revenue Growth
N/A
Q/Q Earnings Growth
N/A
Financial Health
Balance sheet strength and liquidity metrics
Debt/Equity
N/A
Current Ratio
N/A
Quick Ratio
N/A
Cash/Share
$15.79
Quarterly Earnings History
EPS performance vs analyst estimates
2026-01-28
$N/A
2025-10-29
$0.44
-40.5% surprise
2025-07-24
$0.69
+16.6% surprise
2025-04-24
$0.6
+13.2% surprise
Financial Services Sector Comparison
Comparing BBT against 820 companies in the Financial Services sector
(141 bullish, 351 neutral, 328 bearish)
P/E Ratio
134.57
This Stock
vs
36.01
Sector Avg
+273.7%
(Expensive)
Return on Equity (ROE)
0.46%
This Stock
vs
-0.73%
Sector Avg
-163.0%
(Below Avg)
Profit Margin
2.65%
This Stock
vs
91.62%
Sector Avg
-97.1%
(Weaker)
Revenue Growth
-32.2%
This Stock
vs
35.27%
Sector Avg
-191.3%
(Slower)
Similar Companies
Peer comparison within the same industry
| Company | AI Rating | Market Cap | P/E | ROE | Profit Margin | Price | |
|---|---|---|---|---|---|---|---|
|
BBT
Beacon Financial Corporation
|
BEARISH | $2.38B | 134.57 | 0.5% | 2.6% | $28.26 | |
|
NBTB
NBT Bancorp Inc.
|
BULLISH | $2.36B | 13.57 | 9.9% | 25.5% | $45.19 | Compare |
|
GOF
Guggenheim Strategic...
|
BEARISH | $2.41B | 6.57 | -% | -% | $11.36 | Compare |
|
SLDE
Slide Insurance Holdings, Inc.
|
BULLISH | $2.35B | 5.63 | 57.4% | 38.4% | $18.93 | Compare |
|
ETY
Eaton Vance Tax-Managed...
|
BULLISH | $2.32B | 7.56 | 12.6% | 1646.5% | $14.59 | Compare |
BBT
Beacon Financial...
BEARISH
Mkt Cap
$2.4B
P/E
134.6
ROE
0.5%
Price
$28.26
Recent Insider Trading
Insider buy and sell transactions from the last 6 months
| Date | Insider | Position | Transaction | Shares | Value |
|---|---|---|---|---|---|
| 2025-11-04 | HOLLISTER THOMAS J | Director | Purchase | 4,200 | $103,572 |
| 2025-11-04 | CALLAHAN MARY ANNE | Director | Purchase | 4,000 | $98,680 |
| 2025-11-03 | CARLSON CARL M | Chief Financial Officer | Purchase | 2,000 | $49,380 |
| 2025-11-03 | HUGHES WILLIAM H. III | Director | Purchase | 635 | $15,405 |
| 2025-09-19 | PERRAULT PAUL A | Chief Executive Officer | Stock Award | 17,921 | - |
| 2025-09-19 | CARLSON CARL M | Chief Financial Officer | Stock Award | 7,879 | - |
| 2025-09-19 | MEIKLEJOHN MARK J | Officer | Stock Award | 6,341 | - |
| 2025-09-19 | MCCURDY MICHAEL W | Officer | Stock Award | 7,879 | - |
| 2025-09-12 | HILL WILLARD I JR | Director | Sale | 1,000 | $25,960 |
| 2025-08-29 | TULCHINER ELLEN | Officer | Stock Award | 6,036 | - |
| 2025-08-29 | LINDENMUTH GREGORY D | Officer | Stock Award | 6,992 | - |
| 2025-08-29 | PRESCOTT GORDON W M | General Counsel | Stock Award | 5,902 | - |
| 2025-08-29 | BROWN JAMES CANNON | Officer | Stock Award | 8,950 | - |
| 2025-08-29 | COURTWRIGHT JACQUELINE | Officer | Stock Award | 6,413 | - |
| 2025-08-29 | GRAY SEAN A | Officer | Stock Award | 21,772 | - |
HOLLISTER THOMAS J
Director
2025-11-04
4,200 shares
·
$103,572
CALLAHAN MARY ANNE
Director
2025-11-04
4,000 shares
·
$98,680
CARLSON CARL M
Chief Financial Officer
2025-11-03
2,000 shares
·
$49,380
HUGHES WILLIAM H. III
Director
2025-11-03
635 shares
·
$15,405
PERRAULT PAUL A
Chief Executive Officer
2025-09-19
17,921 shares
CARLSON CARL M
Chief Financial Officer
2025-09-19
7,879 shares
MEIKLEJOHN MARK J
Officer
2025-09-19
6,341 shares
MCCURDY MICHAEL W
Officer
2025-09-19
7,879 shares
HILL WILLARD I JR
Director
2025-09-12
1,000 shares
·
$25,960
TULCHINER ELLEN
Officer
2025-08-29
6,036 shares
LINDENMUTH GREGORY D
Officer
2025-08-29
6,992 shares
PRESCOTT GORDON W M
General Counsel
2025-08-29
5,902 shares
BROWN JAMES CANNON
Officer
2025-08-29
8,950 shares
COURTWRIGHT JACQUELINE
Officer
2025-08-29
6,413 shares
GRAY SEAN A
Officer
2025-08-29
21,772 shares
Insider transactions can signal confidence or concerns about company prospects
Wall Street Analysts
Professional analyst ratings and price targets
Consensus
BUY
7 analysts
Keefe, Bruyette & Woods
2025-10-10
Market Perform
Outperform
Keefe, Bruyette & Woods
2025-09-03
Market Perform
Market Perform
Past News Coverage
Recent headlines mentioning BBT from our newsroom.
Newest → oldest
No matching news yet.