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BBT

Beacon FinancialD
NYSE / Banks
Last Price
At close
2026-07-20
View Chart
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
Sentiment remains the lead driver in the composite, 7D delta -5.8.
What can break
Commercial real estate and office credit deterioration spilling into higher reserves or charge-offs.
Momentum
40
Value
43
Sentiment
54
Setup hits (3d)
0 · Net Neutral
AI TargetsBase $32.50 · Bull $36.00 · Bear $27.50
Data freshness
Prices
As of 2026-07-20
Fundamentals
As of 2026-07-20 • Vendor: Data Vendor v1
Scores
As of 2026-07-20 • Model: HYBRID_IC_RP
AI Memo
As of 2026-04-17 • Model: RankAlpha Sentiment Codex
Investment thesis
As of 2026-07-20
Supporting evidence
What
Grade D · Defensive
Confidence Medium · Net Neutral
Target $33.67
Why
Momentum40 · Δ7d -4.0
Value43 · Δ7d +0.1
Sentiment54 · Δ7d -5.8
So what
Weak posture (Net Neutral). Prioritize risk control and patience.
Lead driver: Sentiment · See AI snapshot
Momentum
40
26% active weight
Current posture
7d trendFlat
Δ7d
-4.0
Δ21d
-31.3
Value
43
39% active weight
Current posture
7d trendFlat
Δ7d
+0.1
Δ21d
+0.2
Sentiment
54
34% active weight
Current posture
7d trendSoftening
Δ7d
-5.8
Δ21d
+0.1
Why this grade

Composite grade D. Momentum 39.9 / Value 43.2 / Sentiment 53.7

Fundamentals (TTM)
As of 2026-07-20
Market Cap
$2.56B
Beta
0.69
Shares Out
84.03M
P/E (TTM)
24.4
P/S (TTM)
4.70
P/FCF (TTM)
66.00
Rev YoY
+98.1%
EPS YoY
+158.3%
Gross Margin
-
Op Margin
+6.4%
Net Debt
$677.52M
Current Ratio
0.12
As of 2026-07-20 • Updated nightlySource: Internal modelMethodology