BBT — Beacon Financial Corporation

Stock analysis, trade plans, and proprietary indicators by Trend Edge.

About Beacon Financial Corporation

Beacon Financial Corporation operates as the bank holding company for Beacon Bank & Trust that provides various banking services in the United States and internationally. The company accepts commercial, municipal, and retail deposits. It originates mortgage loans on commercial and residential real estate, as well as commercial loans and leases. It is also involved in investment in debt and equity securities; and offers cash management, trust, and… Read full Trend Edge analysis →

Trend Edge Proprietary Indicators

Key Metrics

Current Price$29.07
Market Cap$2.43B
Float77.7M
Shares Outstanding83.8M
P/E (Forward)9.03
P/E (TTM)26.82
Price/Sales (TTM)3.84
Profit Margin18.55%
Operating Margin (TTM)44.31%
Revenue (TTM)$633M
Earnings Growth (YoY)161.90%
Dividend Rate1.3%

Financial History

Annual Revenue & Earnings History

YearRevenueNet IncomeGross ProfitEBITDA
2020 -$643M -$533M -$812M -$521M
2021 $461M $119M $423M $160M
2022 $438M $92.5M $385M $123M
2023 $607M $69.6M $367M $86.8M
2024 $643M $61.0M $357M $86.5M
2025 $759M $90.3M $388M $131M

Recent Quarterly Revenue & Net Income

QuarterRevenueNet Income
Jun 2025 $170M $30.4M
Sep 2025 $228M -$50.2M
Dec 2025 $310M $53.4M
Mar 2026 $290M $46.2M

Ownership & Float

Insider Ownership1.4%
Institutional Ownership94.6%
Short Float4.8%
% of All Funds Holding3.31%
Number of Funds Holding272

Current Moving Averages

Trend Edge tracks near-term, medium-term, cyclical, and secular moving averages across weekly and monthly timeframes to identify trend structure at every horizon.

TimeframeSMAValueTrend Context
Weekly10-Week SMA$29.81Near-term / short-term trend
Weekly40-Week SMA$27.58Medium-term trend
Weekly80-Week SMA$27.15Cyclical trend (business cycle)
Weekly200-Week SMA$25.75Secular trend (multi-year)
Monthly10-Month SMA$27.18Near-term monthly trend
Monthly20-Month SMA$27.06Medium-term monthly trend
Monthly40-Month SMA$25.09Secular monthly trend

Volume Shelves — Support & Resistance

Trend Edge identifies volume shelves: price zones where historically elevated trading volume creates structural support or resistance. A volume shelf forms when a disproportionate share of cumulative volume was transacted at a specific price level, making it a high-conviction anchor for future price reactions.

Price LevelTypeVolume RatioAge
$24.30 support 1.39x 5 months ago
$30.70 resistance 1.85x 16 months ago
$22.80 support 1.40x 21 months ago

Historical Earnings Reactions (102 events)

TimeframeAvg ReturnMedianWin RateBestWorst
Gap -0.12% 0.00% 46.08% 5.15% -10.20%
1 Day -0.65% -0.10% 42.16% 5.24% -10.29%
1 Week -0.34% -0.55% 44.12% 14.15% -23.43%
2 Weeks 0.25% -0.16% 47.06% 17.67% -15.98%
1 Month 0.80% -0.40% 47.52% 29.82% -20.18%

Next earnings: July 23, 2026 (55 days away)

Seasonality & Day-of-Week Patterns

Monthly Seasonality

MonthAvg ReturnWin RateSamples
Jan-2.6%46.2%26
Feb0.8%50.0%26
Mar-1.0%61.5%26
Apr-0.4%42.3%26
May-0.6%48.0%25
Jun1.5%68.0%25
Jul2.4%57.7%26
Aug-0.3%42.3%26
Sep0.3%38.5%26
Oct2.1%76.9%26
Nov1.6%53.8%26
Dec3.5%73.1%26

Day-of-Week Tendencies

DayAvg ReturnWin RateSamples
Monday 0.02% 49.4% 1222
Tuesday 0.05% 48.8% 1337
Wednesday -0.02% 47.5% 1336
Thursday 0.05% 50.3% 1311
Friday 0.09% 50.0% 1308

Top Institutional Holders

Institutional holder breakdown coming soon.

Total institutional ownership: 94.6%

Insider Transactions — Smart Summary

Total insider ownership: 1.4%

12-Month Insider Activity Summary

Total Filings6
Net Value-$488,636.32
Net Shares Change-7,498
% of Float-0.0%
C-Suite Filings2
Clusters Detected1

Key Insiders

NameTitleNet ValueFilingsActivity
McCurdy Michael W. Chief Banking Officer -$538,016.32 1 1 sell
Hollister Thomas J +$103,572 1 1 buy
Callahan Mary Anne +$98,680 1 1 buy
Carlson Carl M CFO and Chief Strategy Officer +$49,380 1 1 buy
Hill Willard I JR -$25,960 1 1 sell
Hughes William H III +$15,405.1 1 1 buy

Transaction Clusters

PeriodFilingsInsidersNet ValueSeniority
2025-11-03 – 2025-11-06 4 4 +$267,037.1 1 C-suite

Significant Filings

DateInsiderTitleNet ValuePrice After
2026-02-26 McCurdy Michael W. Chief Banking Officer -$538,016.32 Transaction at $31.04, now -6.3%
2025-11-05 Carlson Carl M CFO and Chief Strategy Officer +$49,380 Transaction at $24.69, now +17.7%
2025-11-06 Hollister Thomas J +$103,572 Transaction at $24.66, now +17.9%
2025-11-06 Callahan Mary Anne +$98,680 Transaction at $24.67, now +17.8%
2025-11-03 Hughes William H III +$15,405.1 Transaction at $24.26, now +19.8%
2025-09-16 Hill Willard I JR -$25,960 Transaction at $25.96, now +12.0%

View full insider transaction history on Trend Edge →

AI Consult Analysis

Trend Edge's AI Consult feature delivers a comprehensive, multi-layer trade plan for Beacon Financial Corporation (BBT) powered by Claude Opus — Anthropic's most capable AI model. The analysis covers five layers: technical analysis (near-term, medium-term, cyclical, and secular trend, momentum, volume shelf support and resistance, breakout and breakdown signals), qualitative analysis (business model, competitive moat, sector dynamics), insider sentiment (buy and sell signals from executive and director transactions), share stats analysis (institutional accumulation, fund positioning, short float squeeze potential), and fundamental analysis (valuation, revenue growth, profit margin, earnings quality).

AI Consult synthesizes all five layers into a single bullish or bearish thesis with explicit entry, exit, stop loss, and take profit levels — giving you a complete, AI-powered trade plan with defined risk/reward. Whether you are building a long position, initiating a short, or looking for a reversal setup, AI Consult identifies the highest-probability signal from the current trend.

Get the full AI Consult analysis for BBT on Trend Edge →