Beacon Financial Corp.
$30.63+2.6%YTD+13.5%1Y+17.4%
Mentions · last 7 days
21
Price updated 2m ago·X counts updated 22h ago
What it does
Plain-English summary of the business — what they sell and how they make money.
Industry overviewAI analysisGenerated by AI from underlying data
Where Banks - Regional sits in its cycle right now — and what that implies for $BBT.
Banks - Regional
No material change from last week — Inter's super-app model captures LatAm's under-penetrated credit market while Lloyds and Citizens navigate a NIM cycle that peaks as central banks begin cutting.
Top industry ETF
$KRESPDR S&P Regional Banking ETF
+17.4%YTD
+23.7%1Y
Fundamentals & catalyst
Profitability, valuation, and the next earnings event — at a glance, with rule-of-thumb signals.
Key ratios
P/E
33.9How much investors are paying per dollar of profit the company actually earned in the last 12 months. Lower means the stock looks cheaper relative to earnings.~15–25 is typical for the S&P 500; high-growth names trade 30+; hyper-growth or speculative can be 100+ or negative.ROIC
0.4%What percentage return the business earns on every dollar of capital (equity + debt) deployed in operations. The cleanest measure of business quality.Above ~15% is high-quality; consistently above 25% suggests a real moat. Below the company's cost of capital is value-destroying.Op margin
11.1%Operating profit (after sales, marketing, R&D, and overhead but before interest and taxes) as a percentage of revenue. The clearest view of how well the underlying business is run.Mature business above 20% is healthy; software businesses can run 30%+; commodity / retail businesses operate in single digits.FCF yield
1.2%Free cash flow (operating cash flow minus capex) divided by the company's market cap. The cash-on-cash return you'd get owning the whole business at today's price.Above ~5% is attractive; below ~2% means you're paying up for growth. Capital-light businesses (software) run higher than capital-heavy ones (utilities).P/S
2.5Same idea as P/E but per dollar of revenue. Useful for companies that aren't profitable yet, where P/E is meaningless.Under ~2 is cheap; software / SaaS often runs 8–15; well above 20 implies the market is pricing in very high future growth.ROE
3.7%Net income as a percentage of shareholders' equity. Similar to ROIC but counts only the equity side.Above 20% is strong, but can be inflated by leverage — a heavily indebted company can show high ROE with weak underlying ROIC.Gross margin
53.4%Revenue minus the direct cost of producing what was sold, as a percentage of revenue. The first read on whether the product is structurally profitable.Software / SaaS is typically 70%+; consumer goods 30–50%; commodity / hardware businesses can be under 20%.D/E
0.5Total debt divided by shareholders' equity. Measures how much the business runs on borrowed money versus owner capital.Under 1 is conservative; 1–2 is typical for mature businesses; over 2 is leveraged and more sensitive to interest rates.Past earnings
QuarterReportedActualEstimateSurprise
Q2 2026Jul 29, 2026$0.77$0.77+0.4%
Q1 2026Apr 29, 2026$0.70$0.83-15.7%
Q4 2025Jan 28, 2026$0.79$0.790.0%
Q3 2025Oct 29, 2025$0.44$0.68-35.3%
Next earningsWed, Nov 4·consensus EPS $0.82
Quarterly trend
QuarterRevenueYoYGrossOpEPSFCF
Q1 FY26$290.3M+76.9%62.3%22.7%$0.55$-16.1M
Q4 FY25$309.7M+92.6%60.9%24.3%$0.64$0
Q3 FY25$228.5M+37.7%25.1%-31.5%$-0.64$11.9M
Q2 FY25$170.2M-2.7%62.7%24.4%$0.33$33.6M
Forward consensus
FYRevenueRangeEPSRangeAnalysts
FY26$892.3M$875.6M – $907.9M$3.10$2.99 – $3.274
FY27$932.6M$923.0M – $941.6M$3.42$3.12 – $3.574
Setup & momentum
Volume, range, and moving-average position — the technical setup driving short-term moves.
Right now
Vol vs 30dToday's traded share volume divided by the average over the prior 30 trading days. ≥3× signals unusual interest; below 1× is quiet.1.3×Today's traded share volume divided by the average over the prior 30 trading days. ≥3× signals unusual interest; below 1× is quiet.
52w rangeWhere the latest close sits between the 52-week low (0%) and high (100%). Above 80% is extended; below 30% is basing or in a downtrend.70%Where the latest close sits between the 52-week low (0%) and high (100%). Above 80% is extended; below 30% is basing or in a downtrend.
vs 50d MALatest close vs the 50-day simple moving average. Positive = short-term trend is up.+0.2%Latest close vs the 50-day simple moving average. Positive = short-term trend is up.
vs 200d MALatest close vs the 200-day simple moving average. Positive = long-term trend is up.+4.8%Latest close vs the 200-day simple moving average. Positive = long-term trend is up.
Float & profile
FloatLow float · 44.9M shFree-float shares — the slice of issued stock actually available to trade. Lower buckets squeeze harder on a catalyst.Traded today2.7% of floatToday's volume as a percent of the free float. Above 5% on a single day is unusually high turnover for the available share count.β0.545-year weekly beta vs the S&P 500. Above 1.5 means the stock typically moves more than the index; below 0.8 moves less.
Insider activity
Recent open-market buys and sells by officers and directors — flagged when multiple insiders cluster.
SEC filings
Material 8-K, 13D, S-3, and 424B5 events from the last 180 days — the filings that actually move the price.
Recent material filings
8-KPress release / Reg FDJul 298-K — Item 2.02: Earnings release · Item 7.01: Press release / Reg FD
AI summary
8-KShareholder voteMay 158-K — Item 5.07: Shareholder vote
8-KPress release / Reg FDApr 298-K — Item 2.02: Earnings release · Item 7.01: Press release / Reg FD
+ 13 other (4 13Gs · 3 proxys · 2 routine 8-Ks · 1 11-K) in window
Recent news
Latest headlines from major outlets, sourced and timestamped — context for whatever just moved.
Compared to Estimates, Beacon (BBT) Q2 Earnings: A Look at Key MetricsBeacon Financial (BBT) Q2 Earnings Meet EstimatesBeacon Financial Corporation Announces Second Quarter ResultsFifth Third Bancorp Has $2.17 Million Position in Beacon Financial Corporation $BBTBeacon Financial: Q2 Earnings Preview, With Shares Still Cheap
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Voices on X · last 7 days
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