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Beacon Financial Corporation (BBT) Stock Analysis

SellModerate Confidence

Financial Services · Banks - Regional

Sell if holding. Analyst target reached at $27.99 — A.R:R 0.3:1 is below the 1.5:1 minimum. Reward from here is too thin for a buy — the engine flags exit. Additional concerns: Concentration risk — Loan Portfolio: commercial loan portfolios (77.4%).

Beacon Financial Corporation (formerly Berkshire Hills Bancorp, renamed after September 2025 merger with Brookline Bancorp) is a New England and New York bank with 147 branches and $23+ billion in assets, with total loans of $18.0 billion and deposits of $19.5 billion as of... Read more

$27.99+1.5% A.UpsideScore 6.2/10#36 of 142 Banks - Regional
QualityF-score8 / 9FCF yield—
IncomeYield4.59%(5y avg 4.58%)Payout94.00%at-risk
Stop $26.62Target $28.42(analyst − 13%)A.R:R 0.3:1
Analyst target$32.67+16.7%6 analysts
$28.42our TP
$27.99price
$32.67mean
$38

Sell if holding. Analyst target reached at $27.99 — A.R:R 0.3:1 is below the 1.5:1 minimum. Reward from here is too thin for a buy — the engine flags exit. Additional concerns: Concentration risk — Loan Portfolio: commercial loan portfolios (77.4%). Chart setup: No recognized chart pattern (not a breakout, bounce, continuation, recovery, falling knife, or range) — technicals mixed. Score 6.2/10, moderate confidence.

Passes 6/8 gates (clean insider activity, no SEC red flags, news events none recent, earnings proximity 65d clear, semi cycle peak clear, materials cycle peak clear). Fails on weak momentum and favorable risk/reward ratio. Suitability: aggressive.

Val7.7Qual5.2Grw10.0Mom3.1Sent6.4Ins5.0Peer4.6Tech7.6Risk6.76.2OVERALL

Recent Developments — Beacon Financial Corporation

Latest news

Generated 2026-05-20T21:06:21Z.

Thesis

Rewards
Sector modifier (Financial Services): +1.0
Attractive valuation
Strong growth profile
Risks
Concentration risk — Loan Portfolio: commercial loan portfolios (77.4%)
Analyst target reached - limited upside remaining
V7 low-quality RISK_OFF penalty: -0.5 (Q=5.2)

Key Metrics

P/E (TTM)20.5
P/E (Fwd)8.2
Mkt Cap$2.4B
EV/EBITDA—
Profit Mgn18.5%
ROE6.3%
Rev Growth141.8%
Beta—
Dividend4.59%
Rating analysts11

Quality Signals

Piotroski F8/9

Options Flow

IV35%normal

Concentration Risks(10-K Item 1A)

  • HIGHloan_portfoliocommercial loan portfolios77%
    10-K Item 1: 'The Company's commercial loan portfolios, which totaled $14.0 billion, or 77.4% of total loans and leases, as of December 31, 2025'

Model-generated analysis — not investment advice. Not a registered investment advisor. Past performance does not guarantee future results. Full disclaimer

Rating Breakdown

2 floor-breakers·1 ceiling hit

Momentum below the gate floor. Component breakdown shows what dragged the score down.static

Volume
0.2
Obv
1.0
Macd
1.9
Ma Position
4.0
Rsi
8.5
Oversold in uptrend (RSI 22)Volume distribution (falling OBV)Above 200-day MA

No near-term catalyst priced in. Thesis progression will come from fundamentals grinding, not event reaction.static

Surprise Avg
0.0
Earnings History
1.1
Dividend Safety
4.2
Erm
5.0
Earnings Timing
5.0
Earnings concerns: 1B/2MYield trap warning: high yield but unsafe
GatesMomentum 3.1<4.5A.R:R 0.3 < 1.5@spotInsider activity: OKNo SEC red flagsNEWS EVENTS NONE RECENTEARNINGS PROXIMITY 65d clearSEMI CYCLE PEAK CLEARMATERIALS CYCLE PEAK CLEARSuitability: Aggressive
RSI
22 · Oversold
↓ 20D MA↓ 50D MA↑ 200D MAGOLDEN CROSSSupport $27.44Resistance $31.75

Price Targets

$27
$28
A.Upside+1.5%
A.R:R0.3:1

Position Sizing

ConvictionNone
Suggested %0.5%
Max %1%
RegimeRisk-Off

Risk Alerts

! Target reached (1.5% upside)
! NEWS_MOD=-1: HOLD_IF_HOLDING → SELL_IF_HOLDING
! Momentum score 3.1/10 — below 4.5 minimum

Earnings

B
M
M
M
1/4 beats
Next Earnings2026-07-23 (65d)

Verdict History

reverse chrono — latest first
Loading history...
Verdicts are recorded on every nightly pipeline run. Rows capture transitions (verdict flips, score deltas ≥0.3, entry/TP/SL changes). Rows with a ▶ can be expanded to see the change reason. Aggregate cohort performance is tracked in the recommendation ledger.
Frequently Asked Questions
Is BBT stock a buy right now?

Sell if holding. Analyst target reached at $27.99 — A.R:R 0.3:1 is below the 1.5:1 minimum. Reward from here is too thin for a buy — the engine flags exit. Additional concerns: Concentration risk — Loan Portfolio: commercial loan portfolios (77.4%). Chart setup: No recognized chart pattern (not a breakout, bounce, continuation, recovery, falling knife, or range) — technicals mixed. Prior stop was $26.62. Score 6.2/10, moderate confidence.

What is the BBT stock price target?

Take-profit target: $28.42 (+1.5% upside). Prior stop was $26.62. Stop-loss: $26.62.

What are the risks of investing in BBT?

Concentration risk — Loan Portfolio: commercial loan portfolios (77.4%); Analyst target reached - limited upside remaining; V7 low-quality RISK_OFF penalty: -0.5 (Q=5.2).

Is BBT overvalued or undervalued?

Beacon Financial Corporation trades at a P/E of 20.5 (forward 8.2). TrendMatrix value score: 7.7/10. Verdict: Sell.

What do analysts say about BBT?

11 analysts cover BBT with a consensus score of 3.9/5. Average price target: $33.

What does Beacon Financial Corporation do?Beacon Financial Corporation (formerly Berkshire Hills Bancorp, renamed after September 2025 merger with Brookline...

Beacon Financial Corporation (formerly Berkshire Hills Bancorp, renamed after September 2025 merger with Brookline Bancorp) is a New England and New York bank with 147 branches and $23+ billion in assets, with total loans of $18.0 billion and deposits of $19.5 billion as of December 31, 2025. Commercial loans totaling 77.4% of total loans and leases reflect the bank's focus on CRE, multifamily, and commercial business lending. Net income for 2025 was $90.3 million.

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