B+
Bull case
25%
Probability
Target price
$36.00
Analysis reference price unavailable
Analysis 2026-04-17 · RankAlpha Sentiment Codex
BBT
Beacon FinancialCNYSE / Banks
Last Price
Quote time unavailable
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
Mixed
Lead driver
Sentiment
What changed
Sentiment remains the lead driver in the composite, 7D delta +2.0.
What can break
Commercial real estate and office credit deterioration spilling into higher reserves or charge-offs.
Momentum
64
Value
43
Sentiment
65
Setup hits (3d)
0 · Net Neutral
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 2026-08-17 • Vendor: Data Vendor v1
Scores
As of 2026-09-09 • Model: HYBRID_IC_RP
AI Memo
As of 2026-04-17 • Model: RankAlpha Sentiment Codex
Investment thesisAs of 2026-09-09
Investment thesis
As of 2026-09-09
Grade is the composite factor band; factor scores use a 0–100 scale. Confidence describes evidence quality, not a probability of return. Score date: 2026-09-09. Definitions
Supporting evidence
What
Grade C · Mixed
Confidence Medium · Net Neutral
Target $34.83
Why
Momentum64 · Δ7d +3.1
Value43 · Δ7d 0.0
Sentiment65 · Δ7d +2.0
So what
Balanced signals (Net Neutral). Wait for confirmation before sizing up.
Confirming evidence
- • Sentiment remains the lead driver in the composite, 7D delta +2.0.
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
64
9% active weight
Current posture
7d trendImproving
Δ7d
+3.1
Δ21d
+5.2
Value
43
28% active weight
Current posture
7d trendFlat
Δ7d
0.0
Δ21d
-9.3
Sentiment
65
62% active weight
Current posture
7d trendImproving
Δ7d
+2.0
Δ21d
+6.3
Why this grade
Composite grade C. Momentum 63.7 / Value 43.2 / Sentiment 65.1
Scenario snapshot
Scenario probability is memo-authored likelihood, not forecast certainty. Targets belong to the analysis dated 2026-04-17. Scenario method
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 2026-08-17
Fundamentals (TTM)
As of 2026-08-17
Market Cap
$2.73B
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 2026-09-09 • Updated nightlySource: Internal modelMethods & Data