Credit and interest ratesnegative · 4 filings
“The decrease in interest expense on borrowed funds was primarily driven by a decrease of $3.8 million due to borrowing rates and a decrease of $3.3 million due to volume.”10-Q · Aug 7, 2026 ↗
Beacon Financial Corporation
BBT
Market read
Beacon Financial Corporation's current read is isolated; its market group is not confirming.
No new filing conclusion is available. 0 of 1 group members are active now; 0 filing-linked outsiders are moving with the group, and 0 of 1 directly disclosed connection is confirming.
Company-0.0% todayVolume comparison unavailable
Market group0 of 1 activeRegional Banks · unavailable
Disclosed network0 of 1 confirmingNo filing-linked name is confirming now
What would change this read
Watch this read- Lower borrowing rates reduced interest expense by $3.8 million in the latest three-month period, making rate-related funding costs a current earnings factor.
Invalidation: The isolated read changes if BBT's group or a disclosed connection begins moving with it.
Research brief
The story so far
No new filing conclusion is available. 0 of 1 group members are active now; 0 filing-linked outsiders are moving with the group, and 0 of 1 directly disclosed connection is confirming.
Evidence that supports
No thresholded supportive filing evidence is available yet.
Evidence that challenges
No thresholded adverse filing evidence is available yet.
What would clarify the read
- Lower borrowing rates reduced interest expense by $3.8 million in the latest three-month period, making rate-related funding costs a current earnings factor.
Company research
Understand the business, not just the ticker
Business model and earnings drivers
Use the company’s filings to identify the few operating, demand, cost, capital and regulatory variables that determine its earnings power.
Key research questions
- Which operating variable is changing?
- Is that change durable, cyclical or one-off?
- What evidence would disprove the current interpretation?
Annual periods9
Price observations328
Usable filing statements132
Verified relationships1
Evidence supporting the case
- Latest annual revenue changed +81.1% year over year.
- Operating cash flow covered net income at 2.49x in the latest annual period.
Evidence challenging the case
- Net margin changed -114.1 percentage points in the latest annual period.
- Credit and interest rates has repeated adverse evidence across 4 filings.
Questions before a position
- P/E is 94% above the available filing-peer median; determine whether growth and quality justify the difference.
Longer-term price context
Price as of Sep 11, 2026
31.346m+9.0%12m+19.9%24m—
Annual trajectory
Reported annual revenue and per-share history. This is accounting history, not a forecast.
PeriodRevenueYoYDiluted EPSShare change
2021-12-31$46.1M-1.6%$2.39-1.4%
2022-12-31$40.9M-11.3%$2.02-7.3%
2023-12-31$16.2M-60.3%$0.85—
2024-12-31$16.5M+1.9%$0.77+1.0%
2025-12-31$29.9M+81.1%$1.03-1.8%
What management says matters
Persistent and emerging business drivers
Restructuring and cost reductionsnegative · 2 filings
“The increase in the Company's effective tax rate was due to the lack of participation in energy tax credit investments in 2024 compared to 2023 as well as an increase in merger and restructuring expenses which were not tax deductible during the period.”10-K · Mar 2, 2026 ↗
Valuation discipline
Descriptive valuation snapshot
Price/sales 91.8× · EV/sales 49.9×. Comparisons use only industry-matched filing peers.
Scenario scaffold
Scenarios are withheld for Financial Services until sector-specific earnings and capital metrics are available; generic revenue/P/S scaffolds would be misleading.
Price action
How the market is pricing the story
31.34-0.0% today
Jodie does not have enough daily observations to draw a useful short-term chart for this asset. The latest quoted price was checked 11 Sept, 15:55 GMT-4; this is a coverage limitation, not a flat-price conclusion.
Developments
No sourced recent-development timeline yet
Jodie has not returned a relevant primary source or news item for BBT. This is an evidence-coverage gap, not a conclusion that nothing material happened.
Business and financial condition
Reported financial figures are not available yet
Jodie has not returned structured SEC XBRL fundamentals for this asset. This is a coverage limitation, not an assessment of the business or its financial health.
Filing analysis
No comparable filing assessment is available yet
Jodie has not yet found a suitable current-versus-prior filing comparison for BBT. This does not mean the latest filing was neutral or immaterial.
Business ecosystem
The relationships behind BBT
Customers, suppliers, partners and competitors named in company filings—not inferred from headlines.
Depends on
TBBKThe Bancorp, Inc.partnerAug 11, 2025 ▾
“The Company issued $100 million in common stock in December 2024 related to the agreement for a merger of equals with Brookline Bancorp.”
Filing peers
Companies whose filings use similar operating language.
Open the three relationships above to see Jodie’s filing proof. Pro unlocks every receipt, and alerts when connected names begin moving. Unlock the full network →
What is moving around it
Live connections
BBT is currently a Leader in the organic co-movement group Regional Banks. This group is discovered from market behaviour rather than assigned from an industry taxonomy. 1 filing-linked name are in the relationship map; none is currently confirmed as moving with the group.
This group is retained as the last observed read for BBT; it is not active in the latest market snapshot.
Context history
Theme membership history
No durable theme membership has been observed for this name yet.