Beacon Financial Corporation(BBT)
Stock quote, options chain, IV rank, technicals, AI analysis, and institutional ownership.
Market data may be delayed, incomplete, or inaccurate. Not a recommendation to buy, sell, or hold any security. Verify quotes with your broker before trading. See Terms §17.
- 52-Week Range
- $22.81 – $32.83
- YTD
- +7.29%
- IV Rank (30D)
- 39.03
- Straddle Price
- $4.65
- P/C Vol Ratio
- 5.50
- Market Cap
- $2.3B
A blended fair-value estimate combining up to six valuation methods. Each method is weighted by how well it fits the company — DCF down-weights for unprofitable names; DDM only fires for steady dividend payers; comparables down-weight when peer multiples disagree.
- DCF (quality-aware) — projects free cash flow with a horizon that scales to business quality. True compounders (quality 6/6) get 10 years explicit + 10 years fade before terminal; cyclical/struggling names (quality 0-1) get a 5-year terminal cliff. Quality is scored from ROE, gross margin, growth, FCF margin, debt load, and FCF consistency — the same factors that drive market premium for compounders.
- Market-Implied Growth (in Model Inputs) — reverse-DCF that answers "what growth rate is the market pricing in?". Lets you sanity-check the deviation: if implied growth is plausible for the business, the model's bearish flag may be wrong; if implausible, the market may be over-extrapolating.
- DDM (Gordon Growth Dividend Model) — values the stream of future dividends. Only used when trailing yield ≥ 2% and dividend payments are stable — below that the dividend is a token payout and Gordon (which values only the dividend stream) systematically underprices growth names, so those route to DCF + comparables + market anchor instead.
- P/E, EV/EBITDA, P/B, P/S — applies the peer-group median multiple to this company's per-share metric. Peers come from the same set as the "Related symbols" card. Earnings/sales metrics are forward-tilted by the company's recent revenue growth (capped at 25%) so they're comparable to peers' growth-embedded multiples — mimics how analysts use NTM rather than TTM. Per-multiple weights are biased by company quality (e.g. P/B down-weighted for asset-light tech).
- Market Anchor (SMA50) — the 50-day moving average, weighted by recent trading-range stability (tighter Bollinger bands → higher weight). Captures information fundamentals miss (forward consensus, sentiment, supply/demand) — but only when recent trading is steady enough that the market has converged on a view. During wild breakouts or breakdowns the anchor's weight collapses.
- Options Expected (B-L 30d) — the risk-neutral expected stock price at 30-day options expiration, derived from the full implied-volatility surface via Breeden-Litzenberger (second derivative of call price wrt strike → implied PDF, then E[S_T]). Forward-looking, captures all options-implied information (smile, skew, term structure) in one number. Weighted by chain liquidity. SP500-only at present (pre-computed daily). Backtest evidence: adds modest alpha across most bucket × holding combos.
- Blended value — weighted average. Confidence reflects how many methods fired and how tight peer dispersion is.
- Deviation pill — green when blended FV ≥ 10% above current price (undervalued); red when ≥ 10% below; grey otherwise.
| 10-yr Treasury (rf) | 4.96% |
| Beta vs SPY | 0.42 |
| Cost of Equity (CAPM) | 7.07% (VRP-adj) |
| WACC | 6.39% |
| Volatility Risk Premium | +58.5pp (IV − HV30) |
| Effective Tax Rate | 27.9% |
| Rev. Growth (YoY, DCF input) | -10.0% |
| DCF Horizon | 10 years explicit + fade |
| Free Cash Flow (TTM) | $0.2B |
| Return on Equity (TTM) | 6.3% |
| Book / Price | 117.3% — banking bias active (P/B is primary) |
| Bank Quality Adj | ×0.66 (target ROE vs peer median) |
| Gross Margin (TTM) | 66.0% |
| FCF Margin (TTM) | 19.0% |
| Debt / Equity | 0.41 |
| Quality Score | 3/6 — normal (10y DCF) |
| SMA 50 | $31.03 (Market Anchor value) |
| SMA 20 / Bollinger Mid | $30.64 |
| Bollinger Width / SMA20 | 52.5% (drives anchor stability) |
| Net Debt | $-0.1B |
| Market Cap | $2B |
| Method | Implied Price | Weight | Detail |
|---|---|---|---|
| DCF | $31.80 | 23% | |
| DDM (Gordon) | $6.80 | 36% | |
| Peer P/E | $13.50 | 14% | median 11.5× · 8 peers |
| Peer EV/EBITDA | n/a | 0% | median 10.8× · 8 peers |
| Peer P/B | $36.45 | 20% | median 1.1× · 8 peers |
| Peer P/S | $23.41 | 7% | median 2.6× · 8 peers |
| Market Anchor (SMA50) | $31.03 | 0% | stability 0% (BB-width) |
| Options Expected (B-L 30d) | $29.63 | 0% | 5 strikes · skew -0.23 |
- Industry (SIC)
- SAVINGS INSTITUTIONS, NOT FEDERALLY CHARTERED (6036)
- Exchange
- XNYS
- Market Cap
- $2.3B
Beacon Financial Corp operates as a multi-bank holding company. It offers commercial, business, and retail banking services, including a full complement of cash management products, online banking services, and consumer and residential loans.
Each spoke is this symbol's rank within its sector (0–100; the dotted ring marks the sector median at 50). Higher is more constructive for a long. One spoke — News sentiment — is an absolute reading, not a sector rank. Grayed spokes have no data. A fuller shape is a summary, not a recommendation.
| Month | Avg Return | Years of Data |
|---|---|---|
| Jan | +7.79% | 1 |
| Feb | +4.94% | 1 |
| Mar | +2.35% | 1 |
| Apr | -5.09% | 1 |
| May | +2.76% | 1 |
| Jun | +5.51% | 1 |
| Jul | +3.48% | 1 |
| Aug | -0.86% | 1 |
| Sep | -9.25% | 2 |
| Oct | +2.57% | 1 |
| Nov | +6.85% | 1 |
| Dec | +1.88% | 1 |
Quick-reference for reading the values below. Indicators combine to confirm a view — no single one is a trade signal on its own.
- SMA 20 / 50 / 200 — price above = uptrend, below = downtrend. SMA 50 crossing SMA 200 is the golden/death cross.
- EMA 12 / 26 — faster-reacting averages; 12 above 26 is short-term bullish.
- MACD — bullish when MACD > signal (green badge), bearish when below. Divergence from price often precedes reversals.
- ADX (14) — trend strength regardless of direction. <20 range, 20–25 weak trend, 25–50 trend, >50 strong trend.
- +DI / −DI — +DI > −DI favors bulls; the reverse favors bears. Read alongside ADX.
- RSI (14) — <30 oversold, >70 overbought. 40–60 is neutral; trending names can stay extreme.
- Stochastic %K / %D — <20 oversold, >80 overbought. %K crossing %D is an early momentum signal.
- Williams %R — inverted scale: <−80 oversold, >−20 overbought.
Oscillators work best in range-bound markets; in strong trends they give premature reversal signals.
- Bollinger Bands — price at upper band = overbought, lower = oversold. Narrow bands (squeeze) often precede expansion.
- OBV — cumulative volume; rising OBV confirms uptrend, falling OBV confirms downtrend. Divergence from price is a warning.
- Vol SMA 20 / Vol ROC — today's volume vs. 20-day average. Positive ROC with price move = conviction.
- ATR / True Range — average daily $ move; sizing and stop-loss reference.
- HV 20 / 30 / 60 — realized (historical) volatility. Compare to IV on the options cards: IV > HV = rich premium.
Confluence matters: trend + momentum + volume agreeing carries far more weight than any single indicator. For how these feed the spread scanner score, see the algorithm docs →
Trend Indicators
Momentum Oscillators
Volume & Volatility
Data Summary
LLM Stock Analysis Report
SYMBOL: BBT
Executive Summary
Overall Assessment: NEUTRAL (6/10)
Key Drivers:
- Technical indicators suggest a neutral trend, with the stock hovering around its SMA 20.
- Momentum oscillators are mixed, with RSI indicating neutrality and Stochastic %K suggesting a slight bullish bias.
Primary Risks:
- Volatility is low, which may indicate limited upside potential.
- The options market suggests a moderate level of volatility, but this could be due to the approaching earnings release.
Investment Thesis:
The stock is trading near its SMA 20, indicating a neutral trend. While there are some bullish signals from momentum oscillators, the overall sentiment is mixed. A breakout above the upper Bollinger Band or a move below the lower band could trigger a more significant price movement.
Recent News Sentiment Impact:
The recent news headline was neutral, discussing earnings volatility and potential swings in stock prices. This news did not have a material impact on our analysis.
Technical Analysis
Trend Direction: NEUTRAL
Support/Resistance Levels:
- SMA 20: $28.99 (neutral)
- Upper Bollinger Band: $31.32 (resistance)
- Lower Bollinger Band: $26.67 (support)
Momentum Signals:
- RSI (14): 45.04 (neutral)
- MACD: -0.52 / Signal: 0.05 / Histogram: -0.57 (bearish)
- Bollinger Bands: neutral signal
Volume Analysis:
- Volume SMA 20: 791490.15
- On-Balance Volume (OBV): 6803461.64
- Volume Rate of Change: 8.97%
News & Sentiment Analysis
Recent Headlines Summary:
The recent news headline was neutral, discussing earnings volatility and potential swings in stock prices.
Sentiment Assessment:
Aggregate sentiment is NEUTRAL, with no material impact on our analysis.
Catalyst Identification:
Earnings release approaching (no specific date available).
Market Narrative:
The market narrative is mixed, with some technical indicators suggesting a slight bullish bias while others indicate neutrality. The options market suggests a moderate level of volatility, which may be driven by the upcoming earnings release.
Risk & Volatility Assessment
Beta Interpretation:
Beta: 0.65 (vs SPY), indicating low volatility - stock moves less than market.
Volatility Regime:
Current vs historical volatility levels indicate low volatility.
Options Market Signals:
IV Rank: 33.7% (Medium)
- Current IV: 92.1%
- Expected Move: $4.92 (27 DTE)
- Volume Flow: 17 calls vs 2 puts
- Open Interest: 179 calls vs 0 puts
- Put/Call Volume Ratio: 0.12 (Bullish sentiment)
Downside Protection:
Support levels are provided by the lower Bollinger Band ($26.67), and risk management considerations include setting a stop-loss level around this price.
Market Context & Positioning
Sector Performance:
BBT is trading in line with its sector, with no significant deviations from market trends.
Institutional Activity:
Volume patterns suggest institutional interest, but the overall sentiment is mixed.
Correlation Analysis:
The stock moves relatively in sync with the market (R-squared interpretation).
Relative Valuation:
Position within trading range: NEUTRAL
Key Levels & Action Items
Critical Price Levels:
- SMA 20: $28.99 (neutral)
- Upper Bollinger Band: $31.32 (resistance)
- Lower Bollinger Band: $26.67 (support)
Breakout/Breakdown Levels:
- Breakout above upper band: bullish signal
- Breakdown below lower band: bearish signal
Time-Sensitive Catalysts:
Earnings release approaching (no specific date available).
Risk Management:
Stop-loss level around the lower Bollinger Band ($26.67), considering a position sizing strategy.
Final Thoughts
The analysis suggests that the stock is trading in a neutral trend, with mixed signals from technical indicators and momentum oscillators. The options market indicates moderate volatility, which may be driven by the approaching earnings release. A breakout above the upper Bollinger Band or a move below the lower band could trigger a more significant price movement.
| Earnings Date | Timing | Expected Move | Actual Move | Ratio | Outcome |
|---|---|---|---|---|---|
| 2025-10-29 | Pre-Market | 20.08% | 3.30% | 0.16x | Within |
| 2026-01-28 | After-Close | 17.79% | 2.21% | 0.12x | Within |
| 2026-04-29 | After-Close | 12.60% | 8.97% | 0.71x | Within |
| 2026-07-29 | After-Close | 11.23% | 2.65% | 0.24x | Within |
- IV Rank (30D)
- 39.03
- IV Rank (7D)
- 39.03
- Avg IV
- 86.5%
- Straddle (30D)
- $4.65
- Straddle (7D)
- $4.65
- P/C Volume
- 5.50
Each spread is ranked by a composite score built in three stages. Full documentation →
score = P(profit) × (credit / spread_width)
P(profit) from short leg delta (1 − |delta|), penalised above 85%. Credit uses mid-price to handle illiquid chains fairly.
RR and BF (30-delta) from the persisted per-symbol skew snapshot — wing strikes picked by real greeks.delta, not a moneyness proxy. Put skew boosts bull puts, penalises bear calls. High butterfly boosts iron condors. Calendars are skew-neutral.
- RSI <40 bullish / >60 bearish
- MACD crossover + histogram trend
- Price vs SMA 50 & SMA 200
- Stochastic %K <20 / >80
- Williams %R <−80 / >−20
- Blended ATR + straddle expected-move penalty
- Bollinger Band signal (+ counter-trend penalty)
- BB width — vol contraction boost for ICs
- IV rank ≥ 75 → strong boost for credit spreads
- IV rank < 25 → penalty (selling cheap vol)
- Min open interest across all legs
- OI < 100 → −0.10 · OI < 500 → −0.05
score = base_score × skew_multiplier × tech_multiplier
Both multipliers are shown per spread. Beta is informational only — ATR already captures realized vol. Full algorithm documentation →
Enter a ticker to scan for optimal spread opportunities.
Evaluates all bull put, bear call, iron condor, and calendar spread combinations using GPU-accelerated analysis.
IV(put wing) − IV(ATM), in vol pointsHow much the OTM put trades above (or below) the at-the-money strike. Measures the height of the put-side tail relative to ATM — i.e. how expensive crash insurance is on this name.
- Positive (typical) — wing IV > ATM IV. Standard equity put skew: portfolios bid up crash protection, so OTM puts trade richer than ATM.
- Near zero or negative (unusual) — wing IV ≤ ATM IV. Flat or inverted put side. Common when there's no fear demand, in tightly mean-reverting names, or right after an earnings catalyst clears.
- Percentile vs own 3-yr history: high = wings rich (good time to sell wing premium); low = wings cheap (good time to buy protection).
- Not directional — high or low wings don't predict up or down moves. It's a price tag on tail insurance, not a forecast.
IV(call wing) − IV(put wing), equal delta on each sideWhich side of the smile is the market paying up for? Measures the tilt of the surface — call skew vs put skew at matched deltas.
- Negative (typical) — puts richer than calls. Standard equity behavior: hedging demand makes puts carry a premium. Most large-caps sit in the −1 to −5 vol-point range.
- Strongly negative (< −5 pts) — heavy downside hedging, elevated fear, or an upcoming catalyst (earnings, FDA, macro event). Worth flagging.
- Positive — calls richer than puts. Unusual for equities; signals bullish momentum, short-squeeze positioning, or takeover/M&A speculation.
- Near zero — symmetric surface. Market sees roughly equal up/down risk. Rare for large-caps; more common in commodities and FX.
Wing-vs-ATM tells you how expensive the tails are. Risk Reversal tells you which side is favored. Combined:
- High wing percentile + deeply negative RR → strong put bid; stress or major event priced in. Owning protection costs a premium; selling put premium is dangerous.
- Low wing percentile + near-zero RR → complacency; insurance cheap and balanced. Good environment to add cheap downside hedges.
- Positive RR + elevated wings → call-side fear-of-missing-out; common in squeeze setups. Upside calls expensive, downside puts not bid.
Percentile is the rank of today's reading within ~3 years of this symbol's own history. High percentile = wings are rich relative to history; not a directional signal. Skew is read off the chain in real time, not from CBOE SKEW.
Enter a ticker to render the implied volatility surface.
Enter a ticker to render the implied volatility smile.
- Beta (1Y vs SPY)
- 0.47
- Correlation (SPY)
- 21.9%
- R²
- 0.05
- Ann. Volatility
- 27.7%
- SPY Volatility
- 13.0%
Low volatility - stock moves less than market
Institutional managers with $100M+ AUM file Form 13F-HR quarterly, due 45 days after quarter end. Holdings are reported gross at quarter-end market value — they are a snapshot, not a real-time position.
- Shares — long equity positions in this name, aggregated across share classes.
- Calls / Puts — notional value of long call / put exposure where this ticker is the underlying.
- % of Float — holder's reported shares divided by the latest diluted shares outstanding. Sums above 100% indicate large custodian / prime broker positions where the same shares are reported by multiple filers.
- Custodian badge — filers with more than 5,000 holdings are typically broker-dealers / custodians reporting customer-held shares, not active managers.
Each filer is counted once at its latest 13F-HR filing. New filings are ingested on a weekly cadence.
| # | Filer | Notional Value | % of Total | Period |
|---|
| # | Filer | Notional Value | % of Total | Period |
|---|
| Filed | Reporter | Role | Action | Shares | Avg Price | Net $ | Link |
|---|---|---|---|---|---|---|---|
| 2026-09-02 | John Buckley Eagan | General Counsel | Tax (F) | −267 | $30.39 | -$8.1K | EDGAR |
| 2026-09-02 | Michael W. McCurdy | Chief Banking Officer | Tax (F) | −1,314 | $30.39 | -$39.9K | EDGAR |
| 2026-09-02 | Mark J. Meiklejohn | Chief Credit Officer | Tax (F) | −963 | $30.39 | -$29.3K | EDGAR |
| 2026-09-02 | Gary R. Levante | Chief Marketing Officer | Tax (F) | −101 | $30.39 | -$3.1K | EDGAR |
| 2026-09-02 | Carl M Carlson | CFO & Chief Strategy Officer | Tax (F) | −1,314 | $30.39 | -$39.9K | EDGAR |
| 2026-09-02 | PAUL A PERRAULT | President and CEO | Tax (F) | −4,333 | $30.39 | -$131.7K | EDGAR |
| 2026-08-19 | MERRILL W SHERMAN | Director | Gift (G) | — | — | EDGAR | |
| 2026-06-24 | MERRILL W SHERMAN | Director | Award (A) | +2,509 | — | EDGAR | |
| 2026-06-24 | Nina A Charnley | Director | Award (A) | +2,509 | — | EDGAR | |
| 2026-06-24 | Sylvia Maxfield | Director | Award (A) | +2,509 | — | EDGAR | |
| 2026-06-24 | Thomas J Hollister | Director | Award (A) | +2,509 | — | EDGAR | |
| 2026-06-24 | Joanne B. Chang | Director | Award (A) | +2,509 | — | EDGAR | |
| 2026-06-24 | Joanne B. Chang | Director | Award (A) | +2,509 | — | EDGAR | |
| 2026-06-24 | Mark J. Meiklejohn | Chief Credit Officer | Award (A) | +8,840 | — | EDGAR | |
| 2026-06-24 | Carl M Carlson | CFO & Chief Strategy Officer | Award (A) | +10,334 | — | EDGAR |
| # | Insider | Role | Shares | Disclosed Exposure | Lifetime OM Net | Filings | Last Filed |
|---|---|---|---|---|---|---|---|
| 1 | Thomas Nichols Thompson | Director | 545,317 | $15.45M | $0 | 6 | 2012-02-23 |
| 2 | Stephen T Williams | Director | 364,389 | $10.32M | $0 | 5 | 2012-02-23 |
| 3 | JOHN A ALLISON | Director | 338,282 | $9.59M | -$11.53M | 14 | 2012-02-23 |
| 4 | BARRY J FITZPATRICK | Director | 337,713 | $9.57M | -$22 | 5 | 2011-01-10 |
| 5 | E RHONE SASSER | Director | 291,443 | $8.26M | $0 | 4 | 2008-01-03 |
| 6 | PAUL A PERRAULT | President and CEO | 285,816 | $8.10M | $0 | 3 | 2026-09-02 |
| 7 | KELLY S KING | Chairman and CEO | 269,070 | $7.62M | -$3.07M | 18 | 2012-02-22 |
| 8 | Nitin J. Mhatre | President and CEO | 153,738 | $4.36M | $0 | 1 | 2025-09-03 |
| 9 | Christopher L Henson | Chief Operating Officer | 153,461 | $4.35M | -$134.6K | 9 | 2012-02-22 |
| 10 | Ricky Brown | Sr. Executive Vice President | 144,542 | $4.10M | -$426.8K | 12 | 2012-02-22 |
What is Form 144? A notice of intent to sell restricted or control stock under Rule 144. Affiliates (officers, directors, 10%+ owners) and holders of restricted shares must file Form 144 when planning to sell more than 5,000 shares or $50,000 in any 3-month rolling window.
How it relates to Form 4: Form 144 is filed before the trade (up to 90 days in advance); Form 4 is filed within 2 business days after the trade executes. Not every Form 144 results in a sale — the filer may cancel or delay. Look for the corresponding Form 4 on the Insider Activity card to confirm a sale actually happened.
10b5-1 plans: Trades made under a pre-scheduled Rule 10b5-1 plan are not discretionary — they execute automatically on dates set months earlier, regardless of news. High 10b5-1 percentages mean less per-filing signal value, though cumulative selling volume still matters.
"Notice value": Aggregate market value the filer wrote into the Form 144 — i.e. the size of the planned sale, not necessarily the executed dollars. Amendments (Form 144/A) and post-cancellation refilings can inflate this if you sum naively; the rollup above excludes filings with zero stated value.
Source & freshness: Sourced from public Form 144 filings. Refreshed daily; new filings typically appear here the morning after they are filed.
| Filed | Filer | Role | Shares | Notice Value | Planned Sale | Broker | Plan | Link |
|---|---|---|---|---|---|---|---|---|
| 2026-02-25 | MICHAEL MCCURDY | Officer | 17,333 | $520.7K | 2026-02-25 | Morgan Stanley Smith Barney LLC … | — | EDGAR |
| 2025-02-11 | Tulchiner Ellen | Officer | 1,052 | $31.4K | 2025-02-11 | CommonWealth Financial Network | — | EDGAR |
| 2024-03-26 | Bellomia Lucia | Officer | 1,000 | $22.3K | 2024-03-26 | Commonwealth Financial Network | — | EDGAR |
| 2024-03-19 | Tulchiner Ellen | Officer | 926 | $19.9K | 2024-03-19 | Commonwealth Financial Network | — | EDGAR |
| 2024-03-07 | Adofo-Wilson Baye | Director | 10,074 | $215.0K | 2024-03-07 | Commonwealth Financial Network | — | EDGAR |
| 2024-02-13 144/A | VM GP VII LLC | Affiliate of Director | 2,756 | $67.8K | 2024-01-29 | Goldman Sachs & Co. LLC | — | EDGAR |
| 2024-02-08 | Zaitzeff Michael | Director | 2,665 | $59.2K | 2024-02-08 | Vanguard Brokerage Services | — | EDGAR |
| 2024-01-29 | VM GP VII LLC | Affiliate of Director | 2,756 | $67.8K | 2024-01-29 | Goldman Sachs & Co. LLC | — | EDGAR |
| 2023-06-01 | Shulman Jonathan I | Director | 5,992 | $124.8K | 2023-06-15 | TD AMERITRADE INC | — | EDGAR |
| # | ETF | Provider | Weight | $ Exposure | ETF AUM | As Of |
|---|
Quarterly filings sourced from SEC 10-Q / 10-K reports. TTM tiles aggregate the most recent four quarters; bars show the last ~12 quarters oldest → newest.
- Revenue — top-line sales. Look for consistent YoY growth; seasonal businesses need same-quarter comparisons (Q4 '24 vs Q4 '23).
- Net Income — bottom-line profit after all expenses. Can be volatile from one-time items; red bars = net loss.
- Diluted EPS — net income per share assuming options/converts are exercised. Direct input to the P/E ratio.
- Operating Cash Flow — cash generated from core operations, before capex and financing. Harder to manipulate than net income; growing OCF is a quality signal.
- Sequential growth — quarter-over-quarter trend. Accelerating bars are a momentum signal.
- YoY growth — compare to the same quarter a year earlier to remove seasonality.
- Quality — OCF should roughly track Net Income over time. Large divergence (net income ≫ OCF) flags accruals risk.
- Margins — scan the bar ratios: Net Income / Revenue tells you margin trend without needing a separate chart.
TTM (trailing-twelve-month) smooths seasonality and is used for the P/E calculation. Filings appear 30–90 days after the period closes.
| P/E Ratio | 13.8 |
| P/B Ratio | 0.9 |
| P/S Ratio | 1.9 |
| EV/EBITDA | 6.9 |
| TTM Revenue | $4.4B |
| TTM Net Income | $0.8B |
| TTM EPS | $2.06 |
| ROE | 6.3% |
| Dividend Yield | 4.29% |
| Debt/Equity | 0.35 |