Beacon Financial Corporation research snapshot
BBT AI stock analysis as of the August 4, 2026 data cutoff reads Beacon Financial Corporation as a Northeast regional bank that has finished integrating its merger of equals with Brookline Bancorp and is now converting that larger franchise into higher profitability. BBT is the NYSE ticker for Beacon Financial, the Boston holding company for Beacon Bank & Trust, and not the ticker of any other company. The stock closed at $31.91 on August 3, 2026, up 0.40 or 1.27%, with a market capitalization near $2.69 billion and a 62 out of 100 AI score, and it trades above both its 50-day and 200-day moving averages near the $32.83 52-week high. Q2 2026, reported July 29, 2026, delivered net income of $64.4 million or $0.77 per share, up from $46.2 million or $0.55 in Q1, a net interest margin of 3.81%, a return on average assets of 1.17%, a return on tangible common equity of 12.84%, and a core efficiency ratio of 54.26%, while the main open questions were whether loan growth can accelerate into the second half, whether elevated but pre-reserved charge-offs normalize, and whether deposit competition and commercial real estate exposure stay contained. This is informational research and not investment advice.
Current price
$31.91 at the August 3, 2026, 4:00 PM EDT market close, up 0.40 or 1.27% from the $31.51 July 31 close, after opening at $31.32 and trading in a session range of $31.26 to $32.03 on the StockAnalysis.com real-time quote, with volume near 911,000 shares and a 20-day average volume of about 785,000 shares
Market cap
Near $2.69 billion reported by StockAnalysis.com at the August 3, 2026 close, matching the $31.91 price times 84.36 million shares outstanding and verified with financial_rigor.py at a 0.07% deviation, with an enterprise value of $2.46 billion
AI score
62 / 100
Rating
Post-merger recovery at a reasonable valuation
Trend status
Uptrend above the 50-day and 200-day moving averages near $29.95 and $28.58, roughly 2.9% below the 52-week high of $32.83
Data cutoff (updated monthly)
August 4, 2026
Informational use only. This page is not investment advice.
| Dimension | Conclusion | Confidence |
|---|---|---|
| Business quality | Beacon Financial is a $22.3 billion asset regional bank serving commercial, municipal, and retail clients through Beacon Bank across New England and New York, with Eastern Funding equipment finance, 44 Business Capital SBA lending, and Clarendon Private wealth services. Q2 2026 delivered net income of $64.4 million, a return on average assets of 1.17%, and a return on tangible common equity of 12.84%. | Medium |
| Moat | The moat comes from a local deposit franchise, long-standing customer relationships, branch density of more than 145 locations, and a sticky payroll processing fee business. Switching costs are moderate and competition in the Northeast banking market is intense. | Medium |
| Management | Paul Perrault and his team completed the Brookline merger of equals, beat the announced core expense target of $119.8 million with $118.9 million, expanded the net interest margin, resumed deposit growth, and maintained a $50 million buyback authorization that remains unexercised. | Medium |
| Financial trend | Improving. Q2 2026 net income rose to $64.4 million from $46.2 million in Q1, the net interest margin expanded 3 basis points to 3.81%, the core efficiency ratio improved to 54.26%, tangible book value per share rose $0.50 to $23.98, and management guided to modest Q3 loan growth with acceleration into Q4. | Medium-high |
| Valuation | At the $31.91 price the stock trades near 16.9x trailing EPS, about 10.5x the FY2026 consensus EPS of $3.03, 1.06x book value, 1.34x tangible book value, and a 4.04% dividend yield, which is reasonable if earnings momentum continues but not cheap enough to ignore credit execution risk. | Medium-high |
| Technical trend | BBT closed at $31.91 on August 3, 2026, up 0.40 or 1.27%, above the 50-day moving average near $29.95 and the 200-day near $28.58, and about 2.9% below the 52-week high of $32.83, with a 14-day RSI near 65.8 on StockAnalysis.com statistics. | Medium-high |
| Risk level | Key risks are commercial real estate and office concentration, elevated but pre-reserved charge-offs in a Boston office loan, an Eastern Funding industrial laundry credit, and rent-controlled multifamily properties, rising nonperforming assets, uncertain loan demand, deposit competition, and an unsettled rate path. | Medium |
| AI confidence | High for descriptive facts and math that cross-validated across StockAnalysis.com, the Q2 2026 earnings release, and the Q2 2026 earnings call transcript. Lower for forward return estimates because loan growth, credit, deposit costs, and the rate path are uncertain. | High data confidence |
| Investment certainty | Low to medium certainty. The page gives a research framework and scenario ranges, not a buy or sell instruction. | Low to medium |
BBT AI stock forecast
The BBT AI stock forecast uses scenario ranges around the $31.91 August 3, 2026 close. It does not claim that AI can predict a specific future price. Outcomes depend on loan growth, the net interest margin path, charge-off normalization, and the multiple the market applies to forward earnings, where FY2026 consensus adjusted EPS is $3.03 and FY2027 consensus is $3.38 per StockAnalysis.com.
$38 to $44
More likely if the commercial pipelines near $1.3 billion convert into loan growth, the net interest margin expands beyond 3.81%, charge-offs normalize after pre-reserved losses, deposit costs stay contained, and the stock re-rates toward a 12x forward multiple or a higher price to tangible book ratio as returns improve.
$33 to $38
More likely if Beacon delivers modest Q3 and accelerating Q4 loan growth as guided, keeps the margin near 3.8%, keeps provisioning moderate, and trades near 10.5x to 11.5x FY2026 EPS, which sits around the $34.83 average and $34.50 median analyst targets.
$24 to $28
More likely if commercial real estate, office, and Eastern Funding losses exceed pre-reserved levels, provisioning rises, deposit competition compresses the margin, loan growth stalls, or the market compresses the multiple toward book value support.
BBT AI technical analysis
BBT AI technical analysis is constructive as of the August 4, 2026 data cutoff. The stock closed at $31.91 on August 3, 2026, up 0.40 or 1.27%, above the 50-day moving average near $29.95 and the 200-day near $28.58 from the StockAnalysis.com statistics page, and about 2.9% below the 52-week high of $32.83. The 14-day RSI was near 65.8, approaching overbought but not extreme. Because this page does not fetch request-time market data, traders should confirm levels on a live chart before acting.
| Level | Value | Why it matters |
|---|---|---|
| Current price | $31.91 | StockAnalysis.com close at the August 3, 2026, 4:00 PM EDT market close, up 0.40 or 1.27% after opening at $31.32 and trading in a session range of $31.26 to $32.03, with volume near 911,000 shares. |
| Near resistance | $32.03 to $32.83 | The August 3 intraday high of $32.03 and the 52-week high of $32.83 form the first overhead zone. A volume-confirmed break above it would open new high territory. |
| Near support | $30.28 to $30.45 | The July consolidation lows and the area of the July 13 through July 24 closes. The round $30.00 level also acts as psychological support. |
| 50-day moving average | $29.95 | StockAnalysis.com statistics reported the 50-day moving average near $29.95 on August 3, 2026, below the current price and confirming the medium-term uptrend. |
| Next support | $29.50 to $30.00 | The July trading range and the 50-day moving average cluster together here, making it the most important near-term support zone below $30. |
| 200-day moving average | $28.58 | StockAnalysis.com statistics reported the 200-day moving average near $28.58 on August 3, 2026, well below the current price and confirming the longer-term uptrend. |
| Momentum | RSI near 65.8 | The 14-day RSI was near 65.8 on StockAnalysis.com statistics on August 3, 2026, approaching overbought but still below the 70 threshold. |
| Volume | About 785,000 average shares | StockAnalysis.com statistics listed 20-day average volume near 785,269 shares on August 3, 2026, with about 911,000 shares on August 3 and about 1.2 million on the July 29 earnings day. |
| Volatility | Moderate, beta 0.92 | StockAnalysis.com statistics reported a five-year beta near 0.92, so BBT has historically moved less than the market, though single quarters can still swing the price. |
| Invalidation | Close below $29.95, then $28.58 | A decisive close below the 50-day moving average near $29.95 would weaken the short-term uptrend, and a close below the 200-day near $28.58 would challenge the medium-term trend. |
BBT AI trading strategy
The BBT AI trading strategy is a rules-based research framework, not personalized advice. It combines earnings release evidence, technical confirmation, position sizing, and clear invalidation levels, and it should be paired with fresh chart data before any trade.
Watch for BBT to break above the $32.03 to $32.83 resistance zone with rising volume while holding above the 200-day moving average near $28.58 before treating the uptrend as extended.
A failed breakout or a daily close below the 50-day moving average near $29.95 should trigger a stop and review.
If BBT pulls back toward the $29.50 to $30.50 area on normal volume without new credit or earnings damage, evaluate the Q3 report, the net interest margin, loan growth, and charge-off data before acting.
Do not average down into a credit event because commercial real estate or office headlines can break technical support faster than the fundamentals update.
Track the net interest margin, loan growth and the commercial pipeline, net charge-offs and provision, nonperforming assets, deposit costs, tangible common equity to tangible assets, dividend coverage, and buyback activity, plus the office, rent-controlled multifamily, and Eastern Funding books.
Reduce confidence if charge-offs exceed pre-reserved levels, provisioning rises sharply, the margin compresses, or loan growth stays flat into the second half.
Investment research summary
Beacon Financial earns net interest margin on a roughly $17.8 billion loan book funded by about $18.5 billion of deposits across a New England and New York branch franchise, plus fee income from cash management, wealth services, SBA lending, and equipment finance.
The moat is local deposit relationships, branch density of more than 145 locations, brand history dating to 1846, and a sticky payroll processing fee business, though switching costs are moderate and regional competition is intense.
The thesis fails if loan growth stalls, office and rent-controlled multifamily losses exceed pre-reserved levels, Eastern Funding runoff produces more charge-offs, deposit competition pushes funding costs back up, or the merger cost synergies fail to hold the efficiency ratio where it is now.
Paul Perrault and the team completed the Brookline merger of equals, beat the $119.8 million core expense target with $118.9 million in Q2, expanded the margin to 3.81%, and guided to modest Q3 loan growth with acceleration into Q4, while keeping a $50 million buyback authorization available.
Regional banks are recovering as deposit costs normalize, but loan demand remains uneven, commercial real estate and office credit stay stressed, and deposit competition is intense, with an unsettled interest rate path.
At roughly 16.9x trailing EPS, 10.5x forward EPS, 1.06x book value, and 1.34x tangible book with a 4.04% dividend yield, the stock prices in a continued post-merger earnings recovery without much margin for credit or loan growth disappointment.
Source-backed data
Every metric below includes a source and last verification date.
| Metric | Value | Source | Last verified |
|---|---|---|---|
| BBT price | $31.91 at the August 3, 2026, 4:00 PM EDT market close, up 0.40 or 1.27% from the $31.51 July 31 close, after opening at $31.32 and trading in a session range of $31.26 to $32.03 | StockAnalysis.com real-time quote and daily price history | August 4, 2026 |
| Market capitalization | Near $2.69 billion at the August 3, 2026 close, matching the $31.91 price times 84.36 million shares outstanding and verified with financial_rigor.py at a 0.07% deviation, with an enterprise value of $2.46 billion | StockAnalysis.com quote and statistics, financial_rigor.py verification | August 4, 2026 |
| Shares outstanding | 84.36 million shares outstanding, down 5.17% year over year, with a float of 77.97 million shares, insiders owning about 1.50% and institutions about 86.41% | StockAnalysis.com statistics | August 4, 2026 |
| 52-week range and performance | 52-week range of $22.81 to $32.83, up 31.10% over the trailing 52 weeks, with a five-year beta near 0.92 | StockAnalysis.com quote and statistics | August 4, 2026 |
| TTM net income | $159.79 million over the trailing twelve months ended June 30, 2026, matching the sum of the last four reported quarters in the earnings release | StockAnalysis.com statistics and Beacon Financial Q2 2026 earnings release | August 4, 2026 |
| TTM EPS and PE | TTM EPS of $1.88 and a trailing PE of 16.94 at the $31.91 price, with an earnings yield of about 5.9% | StockAnalysis.com statistics and financial_rigor.py verification | August 4, 2026 |
| TTM revenue | $759.50 million per StockAnalysis.com statistics and overview, up 119.9% year over year, with a caveat that rolling up net interest income plus non-interest income from the last four reported quarters in the earnings release implies about $801 million | StockAnalysis.com statistics and overview, Beacon Financial quarterly releases | August 4, 2026 |
| FY2025 results | FY2025 revenue of $552.99 million, up 55.53%, and net income of $90.27 million, up 31.37%, with the S&P Global overview snapshot showing $511.61 million on a slightly different consolidation basis | StockAnalysis.com financials and overview | August 4, 2026 |
| Q2 2026 results | Net income of $64.4 million or $0.77 per basic and diluted share, compared with $46.2 million or $0.55 in Q1 2026 and $22.0 million or $0.25 in Q2 2025, with a net interest margin of 3.81%, a return on average assets of 1.17%, a return on average stockholders equity of 10.15%, and a return on average tangible stockholders equity of 12.84% | Beacon Financial Q2 2026 earnings release | August 4, 2026 |
| Q2 2026 income statement detail | Net interest income of $193.2 million up $2.4 million from Q1, non-interest income of $26.0 million up $2.0 million, non-interest expense of $127.3 million down $13.6 million with the $13.0 million of Q1 merger and restructuring costs gone, a provision of $5.0 million down from $7.9 million, and a core efficiency ratio of 54.26% | Beacon Financial Q2 2026 earnings release and earnings call | August 4, 2026 |
| Balance sheet at June 30, 2026 | Total assets of $22.25 billion, total loans and leases of $17.82 billion, total deposits of $18.49 billion, stockholders equity of $2.54 billion, and a stockholders equity to total assets ratio of 11.41%, with tangible equity to tangible assets of 9.25% and tangible book value per share of $23.98 | Beacon Financial Q2 2026 earnings release | August 4, 2026 |
| Cash and debt | Cash and cash equivalents of $1.22 billion and total debt of $979.53 million per StockAnalysis.com statistics, giving a net cash position of $236.58 million or $2.80 per share | StockAnalysis.com statistics | August 4, 2026 |
| Book value | Book value of $2.54 billion or $30.10 per share per StockAnalysis.com statistics, with the earnings release reporting $30.30 book value per share at June 30, 2026 | StockAnalysis.com statistics and Beacon Financial Q2 2026 earnings release | August 4, 2026 |
| Credit metrics at June 30, 2026 | Allowance for loan and lease losses of $238.2 million or 1.34% of loans, nonperforming loans and leases at 0.86% of loans, nonperforming assets of $155.2 million or 0.70% of assets, and net charge-offs of $14.3 million or 32 basis points annualized in Q2, concentrated in a Boston office loan, an Eastern Funding industrial laundry credit, and two rent-controlled multifamily properties that were pre-reserved | Beacon Financial Q2 2026 earnings release and earnings call | August 4, 2026 |
| Loan growth outlook | Commercial pipeline of about $1.3 billion, or closer to $1.9 billion including not yet approved loans, with management expecting modest Q3 loan growth and acceleration into Q4 | Beacon Financial Q2 2026 earnings call | August 4, 2026 |
| Dividend | Quarterly dividend of $0.3225 per share, an annual rate of $1.29 with a yield of about 4.04%, a payout ratio of 68.47%, ex-dividend date August 14, 2026, and payment date August 28, 2026 | StockAnalysis.com dividend page and Beacon Financial Q2 2026 earnings release | August 4, 2026 |
| Buyback and shareholder yield | $50 million buyback authorization remains available with no stock repurchased in Q2, and StockAnalysis.com statistics report a buyback yield of 5.17% and a shareholder yield of 9.22% | Beacon Financial Q2 2026 earnings call and StockAnalysis.com statistics | August 4, 2026 |
| Valuation check | 16.94x trailing PE, 3.54x sales, 1.06x book value, 1.34x tangible book value, 14.32x free cash flow, and a 4.04% dividend yield at the $31.91 price | StockAnalysis.com statistics | August 4, 2026 |
| Forward valuation | About 10.5x forward PE based on FY2026 consensus adjusted EPS of $3.03, with FY2027 consensus adjusted EPS of $3.38, and a forward PS of 2.97 | StockAnalysis.com forecast page | August 4, 2026 |
| Analyst consensus | Buy with an average price target of $34.83 across 7 analysts, with a low of $33, a median of $34.50, and a high of $38, and an August 2026 rating mix of 1 Strong Buy, 2 Buy, 4 Hold, and 0 Sell | StockAnalysis.com forecast page | August 4, 2026 |
| Recent analyst actions | Piper Sandler raised its target to $36 from $34 with an Overweight rating on August 3, KBW reiterated Buy at $36 on July 31, RBC Capital maintained Hold at $33 on July 31, Seaport Global cut its target to $39 from $42 in May, and Raymond James downgraded to Hold in May | StockAnalysis.com forecast and ratings pages | August 4, 2026 |
| Technical snapshot | 50-day moving average near $29.95, 200-day moving average near $28.58, 14-day RSI near 65.8, and 20-day average volume near 785,269 shares per StockAnalysis.com statistics | StockAnalysis.com statistics | August 4, 2026 |
| Short interest | 3.77 million shares short, or 4.46% of shares outstanding and 4.83% of float, with about 3.90 days to cover, down from 3.94 million shares the prior month | StockAnalysis.com statistics short selling section | August 4, 2026 |
This BBT AI stock analysis is an informational tool for research and education only. It is not investment advice, a recommendation, or a guarantee of future performance. Forecast ranges are scenarios based on available data as of August 4, 2026 and can be wrong.
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