NYSE: BBT · Regional Banks
Beacon Financial (BBT) fair value: undervalued or overvalued?
As of 3 Oct 2026, Faircurve's model values Beacon Financial (BBT) at $27.14 a share. The stock last closed at $28.34, which puts the model's fair value 4.2% below the price. On the model's bands that reads as Fairly valued.
Revalued . Price is the close of 2 Oct 2026. Beacon Financial Corp.
Faircurve Insights · 3 Oct 2026
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.
Faircurve's model found a fair value of $27.14 a share on 3 Oct 2026, the midpoint of 2,000 simulations. The previous run, on 26 Sep 2026, gave $28.28, so the fair value moved -4.0%. The calibrated range is $22.64 to $32.90, built from the fair value since there is no live options data for the stock, and ranges built this way held the price 60% of the time at this horizon. The model's evidence grade is High.
The model compares Beacon Financial Corp. with Banner Corporation (BANR), Merchants Bancorp (MBIN), WaFd, Inc. (WAFD), Northwest Bancshares, Inc. (NWBI), Customers Bancorp, Inc. (CUBI), First Bancorp (FBNC), OFG Bancorp (OFG), and NBT Bancorp Inc. (NBTB). Around its last 8 earnings reports, the stock moved a median of 2.2%.
Written from the figures on this page for the 3 Oct 2026 valuation and checked by rule before publishing: every number is one printed here, no forecast, no instruction. The price, the gap and the verdict are the page's own and change daily. Not a recommendation.
What price range does the model give BBT?
The calibrated range for BBT over 63 trading days is $22.64 to $32.90. There is no live options data for this stock, so the range is built from the fair value and calibrated weekly against realised prices (n = 4,809 past valuations, refreshed 3 Oct 2026). Ranges built this way held the price 60% of the time at this horizon.
The model's own simulated range, from the 20th to the 80th percentile of its runs, is $21.07 to $34.32. In 45% of the simulations the fair value came out above the price the model ran on.
How does BBT compare with similar companies?
The companies in regional banks closest to Beacon Financial in market value, each on the same model and the same date.
| Company | Last close | Model fair value | Gap | Model verdict |
|---|---|---|---|---|
| BANR Banner Corporation | $67.88 | $67.27 | -0.9% | Fairly valued |
| MBIN Merchants Bancorp | $49.95 | $78.18 | +56.5% | Undervalued |
| WAFD WaFd, Inc. | $30.80 | $41.21 | +33.8% | Undervalued |
| NWBI Northwest Bancshares, Inc. | $15.19 | $14.07 | -7.4% | Fairly valued |
| CUBI Customers Bancorp, Inc. | $75.47 | $107.04 | +41.8% | Undervalued |
| FBNC First Bancorp | $62.33 | $40.89 | -34.4% | Overvalued |
| OFG OFG Bancorp | $51.29 | $65.89 | +28.5% | Undervalued |
| NBTB NBT Bancorp Inc. | $51.53 | $43.09 | -16.4% | Overvalued |
When does BBT report earnings, and how has the stock reacted?
Beacon Financial's next earnings report is scheduled for 4 Nov 2026. Companies can move their dates.
How BBT moved around its last 8 earnings reports
Each move runs from the last close before the report to the first close after it, so it covers companies that report before the open and after the close. The median size across these 8 reports, ignoring direction, was 2.2%.
| Report date | Two session move |
|---|---|
| 29 Jul 2026 | +2.3% |
| 29 Apr 2026 | -10.3% |
| 28 Jan 2026 | +1.9% |
| 29 Oct 2025 | +0.8% |
| 24 Jul 2025 | -2.1% |
| 24 Apr 2025 | +3.7% |
| 30 Jan 2025 | +2.9% |
| 24 Oct 2024 | -1.9% |
Beacon Financial at a glance
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.
- Market value
- $2.4B
- Sector
- Financial Services
- Industry
- Regional Banks
- Consensus revenue growth, next fiscal year
- +16.7%
- Analysts with estimates
- 6
- Beta to the US market
- 0.46
- First valued by Faircurve
- 11 Jul 2026
How the fair value is worked out: the model prices Beacon Financial on the share price against the net assets on the balance sheet, adjusted for the earnings analysts expect (price to book value), runs 2,000 simulations across its inputs and takes the midpoint. The full method is documented here.
What changed in the latest valuation?
On 26 Sep 2026 the model's fair value for BBT was $28.28. As of 3 Oct 2026 it is $27.14, a change of -4.0%. The model revalues every stock it covers each week, and again after an earnings report.
Questions about Beacon Financial's valuation
Is Beacon Financial stock undervalued or overvalued?
On Faircurve's model, BBT reads as Fairly valued as of 3 Oct 2026. The model's fair value is $27.14 a share against a last close of $28.34, a gap of -4.2%.
What is BBT's fair value?
$27.14 a share as of 3 Oct 2026, the midpoint of 2,000 simulations. The model's own 20th to 80th percentile range is $21.07 to $34.32.
What price range does the model give BBT?
$22.64 to $32.90 over 63 trading days. Ranges built this way held the price 60% of the time across 4,809 past valuations, refreshed 3 Oct 2026.
When does Beacon Financial report earnings next?
The next report is scheduled for 4 Nov 2026. Companies can move their dates.
How much has BBT moved on past earnings reports?
Across its last 8 reports the median two session move was 2.2%, ignoring direction. The largest was -10.3% around the report of 29 Apr 2026.
How confident is the model in this valuation?
The model's evidence grade for BBT is high. For banks, insurers and mortgage real estate investment trusts (REITs) the grade looks at how many comparable companies there are and how closely they agree, how wide the range of outcomes is, and whether the model's valuation methods agree with each other. It is not a probability that the fair value is right, or that the price reaches it.