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BBT

Beacon FinancialD
NYSE / Banks
Last Price
Quote time unavailable
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Current thesis
Beacon exited 2025 with stronger profitability, a higher reported NIM, lower borrowings, less brokered funding, and higher tangible book value, giving the merger story a credible path if management can convert integration into steady earnings [#8-K-2026-01-28] [#10-K-2026-03-02].
Posture
Defensive
Lead driver
Sentiment
What changed
3 setup hits (3d) with net bullish as of 2026-10-25.
What can break
Commercial real estate and office credit deterioration spilling into higher reserves or charge-offs.
Momentum
31
Value
43
Sentiment
60
Setup hits (3d)
3 · Net Bullish
AI TargetsBase $32.50 · Bull $36.00 · Bear $27.50Analysis 2026-04-17; returns require an exact persisted reference.
Data freshness
Prices
Unavailable: Price unavailable
Fundamentals
As of 2026-10-23 • Vendor: Data Vendor v1
Scores
As of 2026-10-23 • Model: HYBRID_IC_RP
AI Memo
As of 2026-04-17 • Model: RankAlpha Sentiment Codex
Investment thesis
As of 2026-10-23

Grade is the composite factor band; factor scores use a 0–100 scale. Confidence describes evidence quality, not a probability of return. Score date: 2026-10-23. Definitions

Supporting evidence
What
Grade D · Defensive
Confidence Medium · Net Bullish
Target $34.00
Why
Momentum31 · Δ7d +8.5
Value43 · Δ7d -0.3
Sentiment60 · Δ7d -11.1
So what
Weak posture (Net Bullish). Prioritize risk control and patience.

Confirming evidence

  • • 3 setup hits (3d) with net bullish as of 2026-10-25.
  • • Sentiment remains the lead driver in the composite, 7D delta -11.1.

Contradictions & invalidation

  • • Commercial real estate and office credit deterioration spilling into higher reserves or charge-offs.
  • • Deposit mix worsening again, reversing the Q4 improvement in brokered funding, borrowings, and margin.
  • • Credit is the main swing factor: nonperforming loans rose to 0.63% of loans, nonperforming assets increased to $116.7 million, and reserve commentary pointed to several specific problem credits, while merger accounting still muddies true run-rate performance [#10-K-2026-03-02] [#PR-2026-01-28].

Catalyst clock

2026-05-13

First post-merger annual meeting on May 13, 2026

Lead driver: Sentiment · See AI snapshot
Momentum
31
8% active weight
Current posture
7d trendImproving
Δ7d
+8.5
Δ21d
+3.3
Value
43
47% active weight
Current posture
7d trendFlat
Δ7d
-0.3
Δ21d
-0.3
Sentiment
60
45% active weight
Current posture
7d trendSoftening
Δ7d
-11.1
Δ21d
-15.9
Why this grade

Composite grade D. Momentum 30.6 / Value 43.1 / Sentiment 59.7

Scenario snapshot

Scenario probability is memo-authored likelihood, not forecast certainty. Targets belong to the analysis dated 2026-04-17. Scenario method

B+
Bull case
25%
Probability
Target price
$36.00
Analysis reference price unavailable
Analysis 2026-04-17 · RankAlpha Sentiment Codex
Most likely
B
Base case
50%
Probability
Target price
$32.50
Analysis reference price unavailable
Analysis 2026-04-17 · RankAlpha Sentiment Codex
B-
Bear case
25%
Probability
Target price
$27.50
Analysis reference price unavailable
Analysis 2026-04-17 · RankAlpha Sentiment Codex
Fundamentals (TTM)
As of 2026-10-23
Market Cap
$2.52B
Beta
0.69
Shares Out
83.82M
P/E (TTM)
24.4
P/S (TTM)
4.70
P/FCF (TTM)
66.00
Rev YoY
+98.8%
EPS YoY
+212.2%
Gross Margin
-
Op Margin
+19.1%
Net Debt
$677.52M
Current Ratio
0.13
As of 2026-10-23 • Updated nightlySource: Internal modelMethods & Data