Beacon Financial

BBT · NYSE

$27.90+$0.54 (+1.97%)TodayMarket closed · Oct 20, 7:30 PM ET

Prev close $27.36

BBT analyst rating

BuyConsensus of 3 analysts over the last 12 months. 67% rate it a buy.

Strong buy0
Buy2
Hold1
Underperform0
Sell0

12-month price target · 7 analysts

Average $35.02 (+25.5% upside)

Low: $30.30
Now: $27.90
High: $39.90

Upgrades and downgrades

The latest rating actions, newest first

BBT analyst upgrades, downgrades and rating actions
Firm	Date	Action	Rating	Price target	Hit rate
RBC Capital	Oct 9, 2026	Maintains	Sector Perform	$33.00 → $31.00	63%
Piper Sandler	Aug 3, 2026	Maintains	Overweight	$34.00 → $36.00	68%
Piper Sandler	Jun 26, 2026	Maintains	Overweight	$33.00 → $34.00	68%
Piper Sandler	May 4, 2026	Maintains	Overweight	$35.00 → $33.00	68%
RBC Capital	May 1, 2026	Maintains	Sector Perform	$33.00 → $31.00	63%
Keefe, Bruyette & Woods	May 1, 2026	Maintains	Outperform	$36.00 → $33.00	66%
Piper Sandler	Mar 16, 2026	Initiates	Hold → Overweight	$33.00	68%
RBC Capital	Jan 30, 2026	Maintains	Sector Perform	$28.00 → $31.00	63%
Keefe, Bruyette & Woods	Jan 30, 2026	Maintains	Outperform	$33.00 → $36.00	66%

The case for and against

Updated Oct 18, 2026

Bull case

Beacon Financial is supported by strengthening capital, with TCE rising to 9.07% and CET1 to 11.2%, while the authorized $50 million buyback signals confidence even as management takes a measured approach. Its fundamental outlook is anchored by merger benefits from the Brookline-Berkshire combination that closed on September 1st, 2025, with conversion now behind it and purchase accounting accretion expected to lift net interest margins in the coming quarters. The company also has a credible growth and risk profile, as CRE concentration has fallen to 327% at 3/31 toward a 300% goal by the end of next year, while a balanced footprint, controlled expenses, and a comfortable credit outlook support durable profitability.

Bear case

Beacon Financial is facing a weaker earnings trajectory after 1Q reset lower net interest margin expectations, softer projected loan growth, and elevated credit noise, with management also lowering the full-year loan-growth outlook to the low-single-digit range from mid-single. The firm’s net interest income outlook was cut as NIM and average earning assets started from a lower base, while fee income weakened and operating fees failed to decline as expected, signaling limited near-term operating leverage. Credit and execution risks remain elevated because the company still has elevated nonperforming asset inflows, higher net charge-offs, CRE concentration, and integration risk from the core system conversion and merger-of-equals process.

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