Start here if you're new
what it is
Beacon Financial is a regional bank that takes deposits, makes loans, and sells wealth and specialty lending services.
how it gets paid
Last year Beacon Financial made ~$3.0B in revenue (the old $30M line was a decimal/scale error vs ~$24B assets). Commercial banking was the main engine at ~$1.2B, or ~40% of sales.
why it's growing
Revenue grew 81.1% last year. The company reported fourth-quarter 2025 results on January 28.
what just happened
Q4 net income hit $53.4M, and EPS came in at $0.79.
At a glance
B+ balance sheet — decent shape, but not bulletproof
10/100 earnings predictability — expect surprises
13.6x trailing p/e — the market's not buying it — or you found a deal
4.5% dividend yield — cash in your pocket every quarter
$1.03 fy2025 eps est
xvary composite: 62/100 — average
What they do
Beacon Financial is a regional bank that takes deposits, makes loans, and sells wealth and specialty lending services.
You get 145 branches across New England and New York. Those are bank offices, which is code for places to trap deposits. The company also has $24B in assets, so the operation is big enough to survive boredom and small enough to get ignored.
How they make money
$3.0B
annual revenue · vs. prior year % reflects post-merger consolidation (Jan 2026 print), not a steady-state organic rate
Commercial banking
$1.2B
Cash management
$0.6B
Retail and consumer banking
$0.5B
Specialty lending
$0.4B
Wealth services
$0.3B
The products that matter
commercial lending
Commercial banking
core bank activity · part of a ~$3B revenue base
This is where regional banks usually live or die. For Beacon, it has to explain how the business holds spread and credit quality post-merger.
credit cycle matters
treasury and deposits
Cash management
fee + relationship product
Deposits are funding, and funding is destiny in banking. If you are underwriting the 4.5% yield, you want the deposit side to look sticky, not rented.
funding quality
specialty loan origination
Asset-based lending
higher-touch lending line
Higher-touch lending can boost growth faster than plain vanilla banking. It also makes clean earnings harder to trust if the history is already noisy. Welcome to the trade-off.
execution test
Key numbers
$788M
long-term debt
That debt stack is 25% of capital. If credit gets ugly, this is the number you watch first.
4.5%
dividend yield
You are paid 4.5% a year to wait. That beats a lot of cash accounts.
13.6x
trailing p/e
You are paying 13.6 times trailing earnings. That is not wild for a bank, unless earnings wobble.
$3.0B
annual revenue
~$3B revenue on ~$24B assets is a normal bank shape; the old $30M line was a scale typo.
Financial health
B+
strength
- balance sheet grade B+ — solid but not elite
- risk rank 2 — safer than 80% of stocks
- price stability 70 / 100
- long-term debt $788M (25% of capital)
B+ — functional but not a standout on the balance sheet.
Total return vs. market
Return history isn't available for BBT right now.
source: institutional data · return history unavailable
What just happened
beat estimates
Q4 net income hit $53.4M, and EPS came in at $0.79.
The company reported fourth-quarter 2025 results on January 28, 2026, after the September 2, 2025 merger. The market is grading execution, not just the logo swap.
~$3.0B
annual revenue (FY)
$0.79
eps
81.1%
revenue growth
EPS beat
The $0.79 EPS print beat the $0.78 estimate by $0.01. That is a one-cent win, which matters more when the bank is still being stitched together.
source: company earnings report, 2026
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What could go wrong
Beacon's risk profile is unusually specific: the page shows ~$3B of revenue after a merger-inflated vs. prior year jump, but it also shows a 10 / 100 predictability score and thin historical context. You are not guessing about the problem. You are staring at it.
high
The 81.1% growth rate turns out to be the peak, not the new base.
That is the core kill criterion. If the next full-year revenue figure falls well below the current ~$3B consolidated run-rate, the stock stops looking like a scaled regional bank and starts looking like a messy integration.
this risk sits on the full post-merger revenue base
med
Earnings stay too noisy for investors to pay up.
A 10 / 100 predictability score is not a cosmetic issue. It is the market saying the income statement still feels hard to trust. If that score stays ugly, a 13.6x P/E can stay a 13.6x P/E.
valuation pressure can persist even with visible growth
med
Balance-sheet flexibility proves ordinary when the story needs more than ordinary.
B+ strength and $788M of long-term debt, equal to 25% of capital, leaves room to operate. It does not leave room for you to ignore a credit problem, a funding issue, or messy execution.
pressure here would hit both the dividend case and the multiple
low
Coverage stays thin enough that the stock remains hard to underwrite cleanly.
This snapshot has no usable long-range target data, limited institutional ownership detail, and stale pre-merger estimates in some feeds. Thin coverage creates opportunity. It also creates blind spots.
the direct hit is to analytical confidence, not one single line item
The combined risk picture is straightforward: Beacon needs to prove that ~$3B consolidated revenue is a base you can model, not a one-year merger stack.
source: institutional data · regulatory filings · risk analysis
Pay attention to
metric
whether revenue can hold ~$3B post-merger
That is the whole debate. If Beacon holds the new scale, 13.6x earnings starts to look more interesting. If it doesn't, the rerating case weakens fast.
risk
the 10 / 100 predictability score
In human-speak: investors do not trust the earnings stream yet. Cleaner reporting matters almost as much as raw growth here.
calendar
the next filing that reconciles the revenue history
You want the next 10-K to reconcile pre-merger and combined revenue so feeds stop mixing scale. Until then, trust filings over headlines.
trend
price action near the top of the 52-week range
At $29.12, the stock is closer to $32 than $22. Expectations improved. The market still has not priced this like a fully trusted growth bank.
Analyst rankings
earnings predictability
10 / 100
A low score means the earnings line has not earned much trust. In human-speak: analysts do not think this is an easy bank to model.
risk rank
2
That places it on the safer side of the market by the source methodology. You still own a bank, so safer does not mean simple.
price stability
70 / 100
The shares have been steadier than many small-cap names. Useful, yes. A substitute for clean fundamentals, no.
source: institutional data
Institutional activity
institutional ownership data for BBT is being compiled.
source: institutional data
Price targets
3-5 year target range
n/a
n/a
$29
current price
n/a
target midpoint · n/a from current
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