Beacon Financial Corp. (BBT)
NYSEFinancialsBanks - RegionalSnapshot 2026-09-04
$31.89+1.30%
Close 2026-09-04 · 1-day change
NYSEFinancialsBanks - RegionalSnapshot 2026-09-04
QuarterlyIQ Insights · BBT
What must go right, what could break, what the price assumes, and what evidence comes next.
The current health of the standing investment case.
Recent financial performance is holding in the top half of its industry — the reason to own it looks intact.
One-year growth currently built into the price, compared with our model's estimate.
| Measure | Marker shape | Value |
|---|---|---|
| Growth built into the price | circle | -13.4% |
| Our one-year growth estimate | diamond | -13.2% |
For each item: what to watch, what would become a concern, and what would make it less concerning.
A reporting-risk estimate, not a forecast of the stock-price response.
Historical relationships that met the evidence threshold. They do not prove cause or forecast a move.
Usually moved in the same direction.
Price observations: 365 days
Most sensitive to the broad stock market.
Based on historical daily prices through 2026-09-04.
Past price behavior in dollars on a $10,000 position. This does not measure permanent business risk.
How much price usually moves either way.
A larger daily loss that occurred about once in every 20 trading days.
Use the underlying financial and sector pages to investigate the cause.
Not investment advice. Scores describe historical and current data; they are not forecasts of future returns. Consult a licensed advisor before making investment decisions.
Growth built into the price is above our model estimate.
The price assumes 0.2 percentage points less one-year growth.
The one-year revenue growth assumption on Valuation.
Model as of 2026-09-04 · Compared with 219 industry peers · Company calendar date is not available
BBT — debt issuance
Dated 2026-08-20
Entry Into a Material Definitive Agreement. Closing of the Offering Pursuant to the Underwriting Agreement (as defined below), on August 20, 2026 (the “Closing Date”), Beacon Financial Corporation (the “Company”) completed the issuance and sale (the “Offering”) of $175,000,000 aggregate principal amount of the Company’s 6.25% Fixed-to-Floating Rate Subordinated Notes due 2036 (the “Notes”). The Notes were sold pursuant to an automatic shelf registration statement on Form S-3 (File No. 333-294…
Why it matters: If net charge-offs go up, it may show credit quality problems after the merger.
Worry ifNet charge-offs exceed $15 million in the next quarter.
Less concerning ifNet charge-offs remain below $15 million in the next quarter.
Why it matters: If non-interest income stays stable or grows, it shows strength against competition.
Supportive ifNon-interest income for Q3 is over $26 million, showing it is growing.
Worry ifIf non-interest income drops below $26 million, it may mean revenue issues.
Why it matters: Paying a steady dividend shows financial strength. It can attract investors looking for income.
Supportive ifThe company pays the dividend of $0.3225 on time.
Worry ifThe company cuts or stops the dividend payment.
Why it matters: A rising number of bad loans may mean credit quality problems.
Worry ifThe bad loans ratio drops below 0.86%, down from Q2 2026.
Less concerning ifThe bad loans ratio rises above 0.86%.
We watch for confirming and disproving signals on each item. Resolutions are found automatically where possible and checked by hand for unclear cases. Last 90 days shown.
Deepest peak-to-trough drop in the last year.
| Measure | Value | Meaning |
|---|---|---|
| Typical day | ±$98 on $10,000 · ±1.0% | How much price usually moves either way. |
| Bad day | $218 loss on $10,000 · 2.2% | A larger daily loss that occurred about once in every 20 trading days. |
| Largest peak-to-trough drop in the past year | $1,486 loss on $10,000 · 14.9% | Deepest peak-to-trough drop in the last year. |
Past year. 1.00 means similar movement; 1.20 means about 20% more.
Past year. 1.00 means similar movement to the sector. This is secondary context.
Latest 30 trading days, shown as an annual percentage.
Latest 252 trading days, shown as an annual percentage.
20-trading-day average in US dollars.
Trading days used by the source risk snapshot.
Past results, not a forecast. Not investment advice.
Why it matters: High unemployment claims may show economic trouble, which could hurt Beacon's loans.
Worry ifIf unemployment claims drop below 200,000, it shows the economy is strong.
Less concerning ifIf claims go above 300,000, it may signal economic problems.
Why it matters: More nonperforming loans may mean credit problems. This could hurt future earnings.
Worry ifNonperforming loans exceed 0.83% of total loans and leases.
Less concerning ifNonperforming loans drop or stay below 0.83%.
Why it matters: If net income keeps growing, it shows the merger is working and operations are better.
Supportive ifNet income for Q3 2026 exceeds $64.4 million reported for Q2 2026.
Worry ifNet income for Q3 2026 falls below $64.4 million.
Why it matters: A rise in net income would show the company is handling short-term issues well.
Supportive ifNet income for Q2 exceeds $46.2 million reported in Q1.
Worry ifNet income for Q2 is lower than $46.2 million.
Why it matters: Earnings results will show how well the company is doing. This includes financial and operational performance.
Watch forThe earnings report shows better numbers. Net interest income is higher and charge-offs are fewer.
Also watch forThe earnings report shows worse numbers, like more net charge-offs and lower net interest income.
Why it matters: The Q2 results will show if the company can improve after a recent earnings miss.
Watch forQ2 earnings show net income over $50 million. This shows the company is recovering.
Also watch forQ2 earnings show net income under $40 million. This shows the company is facing challenges.
Why it matters: Keeping the dividend shows strong cash flow and a promise to return money to shareholders.
Supportive ifQuarterly dividend remains at $0.3225 per share in the next declaration.
Worry ifDividend cut or reduction announced in the next quarter.
Why it matters: If nonperforming assets go up, it may mean lower asset quality and more credit risk.
Worry ifNonperforming assets exceed 0.80% of total assets in the next quarter.
Less concerning ifNonperforming assets stay below 0.80% of total assets in the next quarter.
Why it matters: Higher charge-offs may show worse credit quality. This can hurt investor confidence.
Worry ifNet charge-offs greater than 0.35% of average loans for the next quarter.
Less concerning ifNet charge-offs remain below 0.30% of average loans.
Why it matters: Progress on the repurchase program may show management's confidence in the stock.
Supportive ifThey announced share repurchases of at least $10 million in the next quarter.
Worry ifNo share repurchases reported in the next quarter.
Why it matters: Changes in interest rates can change net interest margins and profits.
Watch forFOMC raises rates, leading to a net interest margin increase.
Also watch forFOMC cuts rates, resulting in a net interest margin decrease.