Beacon Financial Corp.

BBT US Financials Regional Banks
S&P 600
$31.34
+0.00%
Delayed · cached 15 min

Fair value analysis

BBT
Beacon Financial Corp.
FinancialsRegional Banks
$31.34
Close used for this calculation
$17.42Fair value
Financial DNA Score
Profitability · Returns · Balance Sheet · Efficiency · Growth
42/100
Profitability16/25
Returns0/25
Balance Sheet17/25
Efficiency9/25
Growth6/25
Average
Quality radar
42Prof.16/25Ret.0/25Eff.9/25B.Sht17/25Growth6/25

Consensus fair value

$17.42
Above FV
▼ -44.4% against the close used
Model range $2.37 – $28.19
The lowest and highest of the models that produced a value. This is the spread of the methods, not a price target.

Price target range & 52-week position

Bear$2.37Fair value$17.42Bull$28.19
FairClose
52-week traded range
52W low $23.1252W high $32.61

The 52-week range is measured from the stored price history, not estimated.

Valuation summary

Trading above the consensus fair value

Beacon Financial Corp. closed at $31.34, 79.9% above the consensus fair value of $17.42 drawn from 9 valuation models.

Financial DNA score 42/100 — Average. P/E of 49.0x against the 20x sector multiple the P/E model uses.

Quantitative summary only — not investment advice.

All valuation models

DCF Valuation
$28.19
-10.0%
Σ[CF×(1+g)^n/(1.10)^n] + TV/(1.10)^10
g=8%, r=10%, tg=3%, n=10yr
Graham Number
$20.83
-33.5%
√(22.5 × EPS × BVPS)
EPS=0.64, BVPS=30.13 · outside Graham range (P/E 49, P/B 1) — asset-light, treat as a rough floor
P/E Fair Value
$12.80
-59.2%
EPS × 20x (sector P/E)
EPS=0.64, Sector P/E=20x
Peter Lynch (PEG)
$4.65
-85.2%
EPS × Growth% (PEG = 1 is fair)
EPS=0.64, g=7.3%
EV/EBITDA
$9.35
-70.2%
(EBITDA × 10x − Net Debt) ÷ Shares
EBITDA=131.86M
Dividend Discount (DDM)
$9.27
-70.4%
D1 ÷ (r − g) where D1 = D0×(1+g)
D0=0.73, r=10%, g=2%
Book Value (P/B)
$2.37
-92.4%
BVPS × (ROE−g)÷(r−g) [Justified P/B — RIM-based]
BVPS=30.13, ROE=3.6%, g=3%, r=10%
Reverse DCF
$31.34
+0.0%
Solve for g: Price = Σ[EPS×(1+g)^n/(1.10)^n] + TV
Implied: 19.2% | Historical: -7.3%
Margin of Safety
$15.45
-50.7%
Avg(DCF, Graham, P/E) × 75% (25% safety buffer)
Avg fair value=20.61, MoS=25%

Computed on September 12, 2026 from the most recent annual report on file and that day's closing price. Where a company has seen its earnings move sharply since its last annual report, this figure will lag the market.

Educational data only. Not a recommendation to buy, sell or hold any security.

Educational data only. Not a recommendation to buy, sell or hold any security.