What is Beacon Financial Corporation's (BBT) StockRank?

MoatMap's StockRank for Beacon Financial Corporation (BBT) is 51/100, with a Hold signal. This is a composite score combining Quality (33), Value (34), and Momentum (74) factor ranks across MoatMap's 20,000+ stock universe.

Does Beacon Financial Corporation have an economic moat?

Beacon Financial Corporation (BBT) has a Quality factor score of 33/100. The Quality factor combines ROIC, Piotroski F-Score, and leverage — the financial fingerprints of a durable competitive advantage. A Quality score above 70 typically indicates a company with the financial characteristics of a moated business.

Is Beacon Financial Corporation a buy, hold, or sell?

MoatMap's current signal for Beacon Financial Corporation (BBT) is Hold, based on a StockRank of 51/100. Signals are derived mechanically from the StockRank composite and should be one input among many — combine with your own thesis on management, competitive position, and valuation.

What sector is Beacon Financial Corporation in?

Beacon Financial Corporation (BBT) operates in the Financial Services sector, specifically the Banks - Regional industry (United States).

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BBT

HOLDREMOVE

Beacon Financial Corporation · Financial Services · United States · $2.5B · Avg Vol: $24M/d

StockRank

P/E (TTM)

27.7x

ROE

6.3%

D/E

—

Dividend %

3.7%

Director Trades · 180d

None in 180d →

Buybacks · 180d

None in 180d →

AI CONVICTION THESIS

Beacon Financial is a small US regional financial institution. It lacks any structural moat, has low quality metrics, and is highly vulnerable to regional real estate and credit cycles.

COMPANY DESCRIPTION

Beacon Financial Corporation operates as a community bank, offering traditional banking services including deposits, loans, and wealth management to individuals and businesses. The company's competitive advantage lies in its localized service model and strong relationships within its specific geographic markets. It serves as a financial pillar for the communities it operates in, fostering long-term customer loyalty.

FINANCIAL SUMMARY (USD)

Year	2021	2022	2023	2024	2025	CAGR
Revenue	—	328.0M	371.3M	355.6M	553.0M	19.0%
EPS	3.52	1.43	0.98	0.88	1.03	-26.5%
Shares	—	83.8M	83.8M	83.8M	89.6M	+6.9%
Debt	—	1.5B	1.4B	1.6B	879.1M	-15.4%
Equity	—	992.1M	1.2B	1.2B	2.5B	36.0%
Op CF	—	120.8M	116.6M	105.0M	224.4M	22.9%
Inv CF	—	-557.7M	-665.3M	-139.6M	2.3B	—
Fin CF	—	492.2M	298.7M	445.3M	-1.0B	—

PRICE (1Y)+8.6%

SMA 50SMA 200

$30.83

RSI (14)

74.4

52W High

$32.46

From 52W High

0.9%

SCORE BREAKDOWN

Quality

ROIC (ROA)

0.7%*29.5

ROE

6.3%27.6

GP/Assets

2.7%31.5

Op. Margin

44.3%65.1

FCF/Assets

—N/A

Piotroski

446.1

Int. Cover

—N/A

D/E Ratio

—N/A

Current Ratio

—N/A

Value

P/E (TTM)

27.7x15.1

EV/EBITDA

—N/A

P/FCF

—N/A

P/B

1.0x59.6

P/S

4.0x42.4

Div Yield

3.7%53.5

Momentum

52W High %

95%59.9

RS 6M

8%71.7

SMA 50/200

1.08x70.7

EPS Rev 4W

0.0%49.8

EPS Rev 12W

-12.1%12.7

EPS Improve

+217%92.8

Q Growth

142%88.8

FUNDAMENTALS

Market Cap

$2.5B

P/E (Forward)

8.7x

Gross Margin

0.0%

SECTOR PEERS

Closest peers in Financial Services, ranked by industry match, size, and score similarity. Cross-listings of BBT are excluded.

Ticker	Company	Mkt Cap	StockRank	Signal
BBT	Beacon Financial Corporation(you)	$2.5B	51	HOLD
FBNC	First Bancorp	$2.5B	54	HOLD
BANC	Banc of California, Inc.	$3.1B	50	HOLD
FRME	First Merchants Corporation	$2.6B	56	HOLD
TRMK	Trustmark Corporation	$2.6B	56	HOLD
CHCO	City Holding Company	$1.8B	51	HOLD
EFSC	Enterprise Financial Services Corp	$2.3B	56	HOLD
WAFD	WaFd, Inc.	$2.7B	57	HOLD
PRK	Park National Corporation	$3.2B	53	HOLD
BKU	BankUnited, Inc.	$3.5B	52	HOLD

Peer medians: ROE 10.7% · P/E 13.5x · Gross margin 0.0%

Beacon Financial Corporation (BBT) — Stock Score Summary

Beacon Financial Corporation (BBT) has a MoatMap StockRank of 51/100 based on Quality (33/100), Value (34/100), and Momentum (74/100) factor scores. The current signal is HOLD. Beacon Financial is a small US regional financial institution. It lacks any structural moat, has low quality metrics, and is highly vulnerable to regional real estate and credit cycles.

Key Financial Metrics

Price	$30.83
Market Cap	$2.5B
P/E (TTM)	27.68
P/E (Forward)	8.73
Price/Book	1.00
Return on Equity	6.3%
Gross Margin	0.0%
Operating Margin	44.3%
Revenue Growth	141.8%
Dividend Yield	3.7%

Beacon Financial Corporation operates in the Banks - Regional industry, part of the Financial Services sector (United States).

Frequently Asked Questions

What is Beacon Financial Corporation’s (BBT) StockRank?: MoatMap’s StockRank for Beacon Financial Corporation (BBT) is 51/100, with a Hold signal. It is a composite of Quality (33), Value (34), and Momentum (74) factor ranks across MoatMap’s 20,000+ stock universe.
Does Beacon Financial Corporation have an economic moat?: Beacon Financial Corporation (BBT) has a Quality factor score of 33/100. The Quality factor combines ROIC, Piotroski F-Score, and leverage — the financial fingerprints of a durable competitive advantage. A Quality score above 70 typically indicates a company with the characteristics of a moated business.
Is Beacon Financial Corporation a buy, hold, or sell?: MoatMap’s current signal for Beacon Financial Corporation (BBT) is Hold, based on a StockRank of 51/100. Signals are derived mechanically from the StockRank composite and should be one input among many — combine with your own thesis on management, competitive position, and valuation.
What sector is Beacon Financial Corporation in?: Beacon Financial Corporation (BBT) operates in the Financial Services sector, specifically the Banks - Regional industry (United States).