Expectations trend
FY2027 · fiscal year ending 2027-12-31 · fmp
Beacon Financial Corp. (BBT)
NYSEFinancialsBanks - RegionalSnapshot 2026-11-04
$30.60-2.36%
Close 2026-11-05 · 1-day change
NYSEFinancialsBanks - RegionalSnapshot 2026-11-04
The long-term thesis, the evidence coming in, and the environment around it. Thesis dated Jul 8, 2026.
Next-FY EPS estimate change · 30 days
3.32 → 3.41 EPS · FY ending Dec 31, 2027 · 6 analysts
One observable signal. This measures changing earnings expectations, not the probability of a gain or loss.
Change in the same fiscal period’s mean EPS estimate from Oct 5, 2026 to Nov 4, 2026: (new ÷ prior − 1). Contributor count changed from 6 to 6; this is not the number of analysts revising. The ±10% axis is a display range.
The EPS and P/E reference is not available for BBT yet.
| Measure / period | Management expectations | Analyst expectations |
|---|
Management figures unavailable.
Current consensus figures unavailable.
4 published thesis conditions, with dated milestones shown separately.
| Key Factor | Why It Matters | Current Status | Break Condition | Latest Evidence |
|---|---|---|---|---|
Dividend per share maintains or exceeds $0.32 in 2026-Q1 | It maintains a growing dividend, increasing from $0.18 to $0.32 per share in less than a year. | Intact | dividend per share falls below $0.32 in 2026-Q1 | Dividend per share: $0.32 per share FY2026-Q2; GAAP. Published target: >=0.32 USD per share. The stored target says 2026-Q1; this source reports FY2026-Q2. Fiscal/calendar alignment needs review. Aug 7, 20260.3225 USD/share · source valueLast status assessment Nov 4, 2026Compare required operating outcomesCompare scope, accounting basis and period before treating this evidence as progress against an annual requirement. |
Compare these dated observations with the operating requirements above
FY2027 · fiscal year ending 2027-12-31 · fmp
The evidence, the remaining questions, and what comes next
No recovery evidence is reported in the available driver assessments.
Observed price history; separate from operating scenarios
The weekly editorial context below is a separate assessment from the dated monitor evidence above. Recovery observations do not automatically change the published thesis. Unverified outside influences are hypotheses, not measured driver evidence.
BBT is a Financials-sector business with a mixed, execution-sensitive long-term thesis rather than a clear durable compounder. The thesis is intact, and its signal has recently shifted from mixed to mildly favorable, but a recent earnings miss and volatile management add uncertainty.
The valuation evidence is mixed: one measure points to BBT being cheap versus peers, while another indicates a substantial premium to peers. The model labels the current pricing justified, with low fragility and only a small expectations gap, so the evidence does not show that weak execution is fully reflected.
Recent financial performance is strong relative to the industry, and company momentum has improved. Near term, repeated earnings misses and the latest miss create a risk of weaker guidance; expense discipline has shown limited progress, while nonperforming assets rose in Q3. The dividend continued and the repurchase authorization expanded, but completed repurchases are not shown.
The multi-year view depends on whether management improves expense control and maintains credit discipline as nonperforming assets rise. A guidance cut would be a meaningful negative, while continued strong results and higher guidance from sector bellwethers could support sector momentum. The rate backdrop is another swing factor, since the evidence suggests rate cuts could weigh on Financials.
Over the next one to three years, BBT’s strong recent performance supports an intact thesis, but earnings misses and mixed execution leave meaningful questions about its durability. The evidence on valuation versus peers is mixed. Not investment advice.
Not investment advice. Scores describe historical and current data; they are not forecasts of future returns. Consult a licensed advisor before making investment decisions.
Net income improves to at least $46M in 2026-Q1 |
| Beacon Financial is improving net income, reaching $46.2M in 2026-Q1 from a loss in 2025-Q3. |
| Intact |
| net income falls below $46M in 2026-Q1 |
Net income: $61.182M FY2026-Q3; GAAP. Published target: >=46M USD net income. The stored target says 2026-Q1; this source reports FY2026-Q3. Fiscal/calendar alignment needs review. Oct 21, 202661,182,000 USD · source valueLast status assessment Nov 4, 2026Compare required operating outcomesCompare scope, accounting basis and period before treating this evidence as progress against an annual requirement. |
Revenue growth remains at or above 0.1% annually | A primary condition in Beacon Financial Corp.'s published investment case. The stated target is >=0.1% YoY revenue growth. | Intact | Revenue growth falls below 0.1% annually | Revenue growth: 42.21% FY2026-Q3; GAAP. Published target: >=0.1% YoY revenue growth. Target period is not explicitly aligned with this observation. Oct 21, 202642.209617 percent · calculatedLast status assessment Nov 4, 2026Compare required operating outcomesCompare scope, accounting basis and period before treating this evidence as progress against an annual requirement. |
Implement $50M share repurchase program | The company has a $50M share buyback program approved, showing strong capital allocation. | Intact | Buyback program is canceled or materially delayed | Direct metric needs a verified mapping The published measure or accounting basis is not supported by an exact source binding. Date unavailableLast status assessment Nov 4, 2026Compare required operating outcomesCompare scope, accounting basis and period before treating this evidence as progress against an annual requirement. |
Stored thesis · Jul 8, 2026. Latest Evidence uses source-matched measurements where available, alongside the last thesis-monitor assessment. Source periods and assessment dates are shown separately. A new measurement does not automatically change the published status or verify an older target.
$3.42 → $3.41 · observed estimates
$0.93B → $0.92B · observed estimates
One fiscal period and provider throughout. At least five contributors are required for each plotted metric; missing coverage stays a gap. Axes show the observed range. Counts measure coverage, not revisions.
| Snapshot | EPS | Revenue | EPS / revenue analysts |
|---|---|---|---|
| 2026-07-24 | $3.42 | $926,771,750 | 7 / 4 |
| 2026-07-25 | $3.42 | $926,771,750 | 7 / 4 |
| 2026-07-26 | $3.42 | $926,771,750 | 7 / 4 |
| 2026-07-27 | $3.42 | $932,564,600 | 6 / 4 |
| 2026-07-28 | $3.42 | $926,771,750 | 7 / 4 |
| 2026-07-29 | $3.42 | $926,771,750 | 7 / 4 |
| 2026-07-30 | $3.41 | $926,771,750 | 7 / 4 |
| 2026-07-31 | $3.40 | $924,917,000 | 7 / 3 |
| 2026-08-01 | $3.40 | $924,917,000 | 7 / 3 |
| 2026-08-02 | $3.37 | $926,989,400 | 6 / 3 |
| 2026-08-03 | $3.38 | $927,749,400 | 7 / 5 |
| 2026-08-04 | $3.38 | $927,749,400 | 7 / 5 |
| 2026-08-05 | $3.32 | $924,408,000 | 7 / 5 |
| 2026-08-06 | $3.32 | $924,408,000 | 7 / 5 |
| 2026-08-07 | $3.32 | $924,408,000 | 6 / 4 |
| 2026-08-08 | $3.32 | $924,408,000 | 7 / 5 |
| 2026-08-09 | $3.32 | $924,408,000 | 7 / 5 |
| 2026-08-10 | $3.32 | $924,408,000 | 7 / 5 |
| 2026-08-11 | $3.32 | $924,408,000 | 7 / 5 |
| 2026-08-12 | $3.32 | $924,408,000 | 7 / 5 |
| 2026-08-13 | $3.32 | $924,408,000 | 7 / 5 |
| 2026-08-14 | $3.32 | $924,408,000 | 6 / 4 |
| 2026-08-15 | $3.32 | $924,408,000 | 6 / 4 |
| 2026-08-16 | $3.32 | $924,408,000 | 6 / 4 |
| 2026-08-17 | $3.32 | $924,408,000 | 6 / 4 |
| 2026-08-18 | $3.32 | $924,408,000 | 6 / 4 |
| 2026-08-19 | $3.32 | $924,408,000 | 6 / 4 |
| 2026-08-20 | $3.32 | $924,408,000 | 6 / 4 |
| 2026-08-21 | $3.32 | $924,408,000 | 6 / 4 |
| 2026-08-22 | $3.32 | $924,408,000 | 6 / 4 |
| 2026-08-23 | $3.32 | $924,408,000 | 6 / 4 |
| 2026-08-24 | $3.32 | $924,408,000 | 6 / 4 |
| 2026-08-25 | $3.32 | $924,408,000 | 6 / 4 |
| 2026-08-26 | $3.32 | $924,408,000 | 6 / 4 |
| 2026-08-27 | $3.32 | $924,408,000 | 6 / 4 |
| 2026-08-28 | $3.32 | $924,408,000 | 6 / 4 |
| 2026-08-29 | $3.32 | $924,408,000 | 6 / 4 |
| 2026-08-30 | $3.32 | $924,408,000 | 6 / 4 |
| 2026-08-31 | $3.32 | $924,408,000 | 6 / 4 |
| 2026-09-01 | $3.32 | $924,408,000 | 6 / 4 |
| 2026-09-02 | $3.32 | $924,408,000 | 6 / 4 |
| 2026-09-03 | $3.32 | $924,408,000 | 6 / 4 |
| 2026-09-04 | $3.32 | $924,408,000 | 6 / 4 |
| 2026-09-05 | $3.32 | $924,408,000 | 6 / 4 |
| 2026-09-06 | $3.32 | $924,408,000 | 6 / 4 |
| 2026-09-07 | $3.32 | $924,408,000 | 6 / 4 |
| 2026-09-08 | $3.32 | $924,408,000 | 6 / 4 |
| 2026-09-09 | $3.32 | $924,408,000 | 6 / 4 |
| 2026-09-10 | $3.32 | $924,408,000 | 6 / 4 |
| 2026-09-11 | $3.32 | $924,408,000 | 6 / 4 |
| 2026-09-12 | $3.32 | $924,408,000 | 6 / 4 |
| 2026-09-13 | $3.32 | $924,408,000 | 6 / 4 |
| 2026-09-14 | $3.32 | $924,408,000 | 6 / 4 |
| 2026-09-15 | $3.32 | $924,408,000 | 6 / 4 |
| 2026-09-16 | $3.32 | $924,408,000 | 6 / 4 |
| 2026-09-17 | $3.32 | $924,408,000 | 6 / 4 |
| 2026-09-18 | $3.32 | $924,408,000 | 6 / 4 |
| 2026-09-19 | $3.32 | $924,408,000 | 6 / 4 |
| 2026-09-20 | $3.32 | $924,408,000 | 6 / 4 |
| 2026-09-21 | $3.32 | $924,408,000 | 6 / 4 |
| 2026-09-22 | $3.32 | $924,408,000 | 6 / 4 |
| 2026-09-23 | $3.32 | $924,112,800 | 6 / 4 |
| 2026-09-24 | $3.32 | $924,112,800 | 6 / 4 |
| 2026-09-25 | $3.32 | $924,112,800 | 6 / 4 |
| 2026-09-26 | $3.32 | $924,112,800 | 6 / 4 |
| 2026-09-27 | $3.32 | $924,112,800 | 6 / 4 |
| 2026-09-28 | $3.32 | $924,112,800 | 6 / 4 |
| 2026-09-29 | $3.32 | $924,112,800 | 6 / 4 |
| 2026-09-30 | $3.32 | $924,112,800 | 6 / 4 |
| 2026-10-01 | $3.32 | $924,112,800 | 6 / 4 |
| 2026-10-02 | $3.32 | $924,112,800 | 6 / 4 |
| 2026-10-03 | $3.32 | $924,112,800 | 6 / 4 |
| 2026-10-04 | $3.32 | $924,112,800 | 6 / 4 |
| 2026-10-05 | $3.32 | $924,112,800 | 6 / 4 |
| 2026-10-06 | $3.32 | $924,112,800 | 6 / 4 |
| 2026-10-07 | $3.32 | $924,112,800 | 6 / 4 |
| 2026-10-08 | $3.32 | $924,112,800 | 6 / 4 |
| 2026-10-09 | $3.32 | $924,112,800 | 6 / 4 |
| 2026-10-10 | $3.32 | $924,112,800 | 6 / 4 |
| 2026-10-11 | $3.32 | $924,112,800 | 6 / 4 |
| 2026-10-12 | $3.32 | $924,112,800 | 6 / 4 |
| 2026-10-13 | $3.32 | $924,112,800 | 6 / 4 |
| 2026-10-14 | $3.32 | $924,112,800 | 6 / 4 |
| 2026-10-15 | $3.32 | $924,112,800 | 6 / 4 |
| 2026-10-16 | $3.32 | $924,112,800 | 6 / 4 |
| 2026-10-17 | $3.32 | $924,112,800 | 6 / 4 |
| 2026-10-18 | $3.32 | $924,112,800 | 6 / 4 |
| 2026-10-19 | $3.32 | $924,112,800 | 6 / 4 |
| 2026-10-20 | $3.32 | $924,112,800 | 6 / 4 |
| 2026-10-21 | $3.32 | $924,112,800 | 6 / 4 |
| 2026-10-22 | $3.32 | $924,112,800 | 6 / 4 |
| 2026-10-23 | $3.33 | $921,436,400 | 6 / 4 |
| 2026-10-24 | $3.38 | $920,436,400 | 6 / 4 |
| 2026-10-25 | $3.38 | $920,436,400 | 6 / 4 |
| 2026-10-26 | $3.38 | $920,436,400 | 6 / 4 |
| 2026-10-27 | $3.38 | $920,436,400 | 6 / 4 |
| 2026-10-28 | $3.40 | $916,017,000 | 6 / 4 |
| 2026-10-29 | $3.40 | $916,017,000 | 6 / 4 |
| 2026-10-30 | $3.40 | $916,017,000 | 6 / 4 |
| 2026-10-31 | $3.40 | $916,017,000 | 6 / 4 |
| 2026-11-01 | $3.40 | $916,017,000 | 6 / 4 |
| 2026-11-02 | $3.40 | $916,017,000 | 6 / 4 |
| 2026-11-03 | $3.40 | $916,017,000 | 6 / 4 |
| 2026-11-04 | $3.41 | $916,017,000 | 6 / 4 |
Revenue and EPS estimates track expectations. They are not delivered results or like-for-like proof of a required annual path.
Latest: 3 Buy / Strong Buy · 4 Hold · 0 Sell / Strong Sell
Recent actions · Oct 6–Nov 4 · 3 recorded
0 raises · 0 cuts · 0 unchanged · 1 without a comparable prior
Oct 6, 2026–Nov 4, 2026. Each firm's latest positive target is paired only with its immediately prior positive target from the same provider, at most 180 days earlier. Unmatched observations have one dot; conflicting observations are not compared.
Next earnings date unavailable
Look for updated results and guidance against the published targets, plus direct evidence for unresolved drivers.
Review earnings4 of 4 published conditions remain under pressure or need verification. The next results need to address those conditions.
The dated weekly assessment and its assumptions are available in Read detailed Outlook.