BEACON FINANCIAL CORPORATION
In the published model solve dated 2026-Q2, anchored at $31.89, BEACON FINANCIAL CORPORATION (BBT) is priced for 10.1% return on equity. boothcheck publishes no house fair value, target price, or buy/sell rating; individual model outputs and user-controlled scenarios are analytical inputs, not Boothcheck targets. The narrative was composed July 25, 2026 from SEC EDGAR filings.
• Beacon funds itself almost entirely from customer money, the cheapest and stickiest liability a bank can hold: ⟦Deposits, which are considered the most stable source of liquidity, totaled $19.5 billion as of December 31, 2025 and represented 96.1% of total funding⟧. • The risk concentrates on one side of the loan book, where commercial lending reached $14.0 billion, or 77.4% of total loans and leases, while nonperforming assets climbed to $116.7 million from $70.5 million over the year. • Seco
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283 institutional managers reported holding BBT in 13F filings for the quarter ended 2026-03-31. Together they hold about 92% of the company; the top 10 hold 60%. 40 opened new positions that quarter. Held by BlackRock, Vanguard Group, Millennium Management, among others. On the short side, 3.9M shares were sold short as of the 2026-06-15 count, about 5% of shares outstanding (5.6 days of typical volume to cover).
Quarterly 13F filings arrive up to 45 days after quarter end, so the picture is never current (filed through 2026-05-29). Nothing here is investment advice.
BBT's share count grew 66.6% over the past five years even with $213.86M spent on repurchases. It pays a dividend, and has paid one every year in our records (16 and counting); the current rate is $0.73 a share annually. Cash returned over the past three years: $136.84M in dividends and $27.81M in repurchases.
Share counts are split-adjusted; repurchase totals are gross of share issuance. Nothing here is investment advice.
No open-market insider buys on file at BBT over the trailing three years. Absence is a fact about the company, not a signal.
Code P open-market purchases from SEC Form 4 filings, non-derivative, excluding scheduled 10b5-1 plans. Nothing here is investment advice.
BBT's recent reports: the day-one move, then what the following quarter actually did.
| report | day one | next quarter |
|---|---|---|
| 2023-08-10 | +0.1% | -10.3% |
| 2023-11-10 | +2.3% | +17.6% |
| 2024-02-29 | +4.1% | +3.6% |
| 2024-05-11 | +5.7% | +4.6% |
Day-one is the close-to-close move around the filing. Nothing here is investment advice.
BBT's latest 8-K filings: 2026-08-20 (items 1.01, 2.03, 8.01, 9.01); 2026-08-13 (items 7.01, 9.01); 2026-08-03 (items 5.02, 8.01, 9.01); 2026-07-29 (items 2.02, 7.01, 9.01); 2026-07-10 (items 8.01).
Item codes are the SEC's own classification of what each report discloses. Dates link to the filing on EDGAR. Nothing here is investment advice.
Model solve date: 2026-Q2
Narrative composed: July 25, 2026
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For informational and research purposes only. Not investment advice. Not a recommendation to buy, sell, or hold any security. boothcheck is not a registered investment adviser. Past performance does not guarantee future results.