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    Beacon Financial (BBT)

    Market Price (9/26/2026): $28.2 | Market Cap: $992.7 MilSector: Financials | Industry: Regional Banks

    Beacon Financial (BBT)

    Market Price (9/26/2026): $28.2
    Market Cap: $992.7 Mil
    Sector: Financials
    Industry: Regional Banks

    Investment Highlights Why It Matters Detailed financial logic regarding cash flow yields vs trend-riding momentum.

    0

    Attractive yield
    Total YieldTotal Yield = Earnings Yield + Dividend Yield, Earnings Yield = Net Income / Market Cap Dividend Yield = Total Dividends / Market Cap is 25%, Dividend Yield is 9.4%, ERPEquity Risk Premium (ERP) = Total Yield - Risk Free Rate, Reflects the premium above risk free assets offered by the investment. is 21%, FCF Yield is 22%

    Cash is significant % of market cap
    Net D/ENet Debt/Equity. Debt net of cash. Negative indicates net cash. Equity is taken as the Market Capitalization is -181%

    Strong revenue growth
    Rev Chg LTMRevenue Change % Last Twelve Months (LTM) is 118%

    Attractive cash flow generation
    CFO/Rev LTMCash Flow from Operations / Revenue (Sales), Last Twelve Months (LTM) is 29%, FCF/Rev LTMFree Cash Flow / Revenue (Sales), Last Twelve Months (LTM) is 27%

    Low stock price volatility
    Vol 12M is 28%

    Megatrend and thematic drivers
    Megatrends include Fintech & Digital Payments. Themes include Online Banking & Lending, Digital Payments, and Wealth Management Technology.

    Weak multi-year price returns
    2Y Excs Rtn is -25%, 3Y Excs Rtn is -16%

    Meaningful short interest
    Short Interest % of Basic SharesShort Interest % of Basic Shares = (Short Interest Quantity) / (Basic Shares Outstanding). A high fraction of short interest can indicate potential risk of a short squeeze. is 13%

    0 Attractive yield
    Total YieldTotal Yield = Earnings Yield + Dividend Yield, Earnings Yield = Net Income / Market Cap Dividend Yield = Total Dividends / Market Cap is 25%, Dividend Yield is 9.4%, ERPEquity Risk Premium (ERP) = Total Yield - Risk Free Rate, Reflects the premium above risk free assets offered by the investment. is 21%, FCF Yield is 22%
    1 Cash is significant % of market cap
    Net D/ENet Debt/Equity. Debt net of cash. Negative indicates net cash. Equity is taken as the Market Capitalization is -181%
    2 Strong revenue growth
    Rev Chg LTMRevenue Change % Last Twelve Months (LTM) is 118%
    3 Attractive cash flow generation
    CFO/Rev LTMCash Flow from Operations / Revenue (Sales), Last Twelve Months (LTM) is 29%, FCF/Rev LTMFree Cash Flow / Revenue (Sales), Last Twelve Months (LTM) is 27%
    4 Low stock price volatility
    Vol 12M is 28%
    5 Megatrend and thematic drivers
    Megatrends include Fintech & Digital Payments. Themes include Online Banking & Lending, Digital Payments, and Wealth Management Technology.
    6 Weak multi-year price returns
    2Y Excs Rtn is -25%, 3Y Excs Rtn is -16%
    7 Meaningful short interest
    Short Interest % of Basic SharesShort Interest % of Basic Shares = (Short Interest Quantity) / (Basic Shares Outstanding). A high fraction of short interest can indicate potential risk of a short squeeze. is 13%

    BBT in ETFs

    Weight = BBT's share of each fund

    VTI0.00%
    ITOT0.00%
    IWM0.08%
    IJR0.15%
    VYM0.01%
    VB0.03%
    KRE0.77%
    IJS0.30%
    +15 more covered ETFs

    Valuation & Metrics

    FYE: 12/31BBT [1]S&P 500 [2]
    REVENUE GROWTH
    LTM Revenue [3]$800.8 Mil—
    FY 2026 Sales$885.9 Mil—
    FY 2027 Sales$924.1 Mil—
    FY 2026 Sales Growth10.6%—
    FY 2027 Sales Growth4.3%12.8%
    EARNINGS
    LTM Net Income (GAAP) [3]$159.8 Mil—
    FY 2026 Net Income (Non-GAAP)$267.7 Mil—
    FY 2027 Net Income (Non-GAAP)$284.0 Mil—
    FY 2027 Net Income Growth6.1%18.0%
    FY 2026 EPS (Non-GAAP)$3.04—
    FY 2027 EPS (Non-GAAP)$3.32—
    FY 2027 EPS Growth9.2%—
    VALUATION
    FY 2026 P/S1.11.6
    FY 2027 P/S1.1—
    FY 2026 P/E3.77.7
    FY 2027 P/E3.5—

    [1] BBT forward figures are analyst consensus for the next two fiscal years (fiscal year end 12/31). Net Income and EPS are non-GAAP (adjusted) consensus. P/S and P/E divide the current market cap by the consensus figure.
    [2] S&P 500 figures are the SPY ETF's holdings-weighted forward aggregate. P/S and P/E reflect FY1/FY2 consensus blended to the 12-month window ending 9/30/27 (~one year forward), shown when ≥90% of index weight has estimates. Growth is the aggregate next-fiscal-year vs current-fiscal-year (FY1→FY2) change. Index-level dollar Sales, Net Income and EPS are not applicable.
    [3] LTM = reported trailing-twelve-month actuals (GAAP).
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    MetricValueDateSource
    Assets Under Managementmore than $3 billion9022025Link
    Number of Branchesmore than 1459022025Link
    Total Assets$24 billion9012025Link
    Number of Banking Divisions49022025Link
    Number of Shares Outstandingapproximately 84,272,2429022025Link

    Price Chart

    Upcoming
    11/04/2026Earnings ReleaseRev: $223 Mil (E)
    EPS: $0.78 (E)

    Why The Stock Moved

    Qualitative Assessment

    AI Analysis | Feedback

    Updated on 9/21/2026

    Beacon Financial (BBT) stock has remained largely at the same level since 5/31/2026 because of the following key factors:

    1. Mixed fiscal Q2 2026 results offered balanced signals to investors.

    Beacon Financial Corporation, whose fiscal year ends on December 31, reported its fiscal Q2 2026 earnings on July 29, 2026, with an Earnings Per Share (EPS) of $0.77, which met analyst consensus estimates. The company achieved a net income of $64.4 million, a significant increase from $46.2 million in fiscal Q1 2026 and $22.0 million in fiscal Q2 2025. Net interest income grew to $193.2 million, with the net interest margin expanding by 3 basis points to 3.81%. However, total loans and leases experienced a decrease of $101.9 million, falling to $17.8 billion, and asset quality showed some signs of weakening as nonperforming loans rose to 0.83% of total loans and leases, alongside net charge-offs increasing to $13.6 million. This combination of strong profitability and margin expansion, coupled with declining loan balances and increased credit costs, resulted in a neutral market reaction.

    2. Neutral analyst sentiment and modest price targets limited upward momentum.

    During the period, analyst coverage for Beacon Financial Corporation generally indicated a "Hold" or "Moderate Buy" consensus. Out of seven analysts, four recommended a "Hold" rating, and three issued a "Buy" rating. The average twelve-month price target was $32.50, representing a forecasted upside of only 5.34% from the stock's price of $30.85 as of September 19, 2026. This lack of strong bullish conviction among research firms, with modest expectations for future price appreciation, likely contributed to the stock remaining range-bound rather than experiencing significant upward movement.

    Show more
    Updated on 9/21/2026

    Beacon Financial (BBT) stock has remained largely at the same level since 5/31/2026 because of the following key factors:

    1. Mixed fiscal Q2 2026 results offered balanced signals to investors.

    Beacon Financial Corporation, whose fiscal year ends on December 31, reported its fiscal Q2 2026 earnings on July 29, 2026, with an Earnings Per Share (EPS) of $0.77, which met analyst consensus estimates. The company achieved a net income of $64.4 million, a significant increase from $46.2 million in fiscal Q1 2026 and $22.0 million in fiscal Q2 2025. Net interest income grew to $193.2 million, with the net interest margin expanding by 3 basis points to 3.81%. However, total loans and leases experienced a decrease of $101.9 million, falling to $17.8 billion, and asset quality showed some signs of weakening as nonperforming loans rose to 0.83% of total loans and leases, alongside net charge-offs increasing to $13.6 million. This combination of strong profitability and margin expansion, coupled with declining loan balances and increased credit costs, resulted in a neutral market reaction.

    2. Neutral analyst sentiment and modest price targets limited upward momentum.

    During the period, analyst coverage for Beacon Financial Corporation generally indicated a "Hold" or "Moderate Buy" consensus. Out of seven analysts, four recommended a "Hold" rating, and three issued a "Buy" rating. The average twelve-month price target was $32.50, representing a forecasted upside of only 5.34% from the stock's price of $30.85 as of September 19, 2026. This lack of strong bullish conviction among research firms, with modest expectations for future price appreciation, likely contributed to the stock remaining range-bound rather than experiencing significant upward movement.

    3. Lack of major company-specific catalysts and a balanced macroeconomic outlook for financials.

    Beyond the routine earnings report and ongoing benefits from its prior merger integration, Beacon Financial did not announce any significant new company-specific catalysts, such as large acquisitions or new strategic growth initiatives, that would typically drive substantial stock price movement. Concurrently, the broader macroeconomic environment since May 2026, while generally resilient with moderate U.S. economic growth expected in the second half of 2026, presented a mixed picture for the financial sector. Elevated inflation persisted, and the Federal Reserve was perceived to be more inclined towards a rate hike than a cut, suggesting potentially higher long-duration yields. While equipment demand was strong, credit quality, though sound, showed a pickup in loss rates. These balanced macroeconomic factors, combined with the absence of significant company-specific news, likely kept investor sentiment neutral and the stock largely stable.

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    Stock Movement Drivers

    Fundamental Drivers

    The -2.1% change in BBT stock from 5/31/2026 to 9/25/2026 was primarily driven by a -28.1% change in the company's P/E Multiple.
    (LTM values as of)53120269252026Change
    Stock Price ($)28.8028.19-2.1%
    Change Contribution By: 
    Total Revenues ($ Mil)67680118.4%
    Net Income Margin (%)17.4%20.0%14.9%
    P/E Multiple8.66.2-28.1%
    Shares Outstanding (Mil)35350.0%
    Cumulative Contribution-2.1%

    LTM = Last Twelve Months as of date shown

    Market Drivers

    5/31/2026 to 9/25/2026
    ReturnCorrelation
    BBT-2.1% 
    Market (SPY)2.2%3.3%
    Sector (XLF)6.7%33.5%

    Fundamental Drivers

    The -3.2% change in BBT stock from 2/28/2026 to 9/25/2026 was primarily driven by a -97.9% change in the company's P/E Multiple.
    (LTM values as of)22820269252026Change
    Stock Price ($)29.1128.19-3.2%
    Change Contribution By: 
    Total Revenues ($ Mil)42380189.4%
    Net Income Margin (%)2.0%20.0%901.5%
    P/E Multiple302.56.2-97.9%
    Shares Outstanding (Mil)8835148.6%
    Cumulative Contribution-3.2%

    LTM = Last Twelve Months as of date shown

    Market Drivers

    2/28/2026 to 9/25/2026
    ReturnCorrelation
    BBT-3.2% 
    Market (SPY)13.0%17.7%
    Sector (XLF)7.6%35.4%

    Fundamental Drivers

    The 12.8% change in BBT stock from 8/31/2025 to 9/25/2026 was primarily driven by a 118.0% change in the company's Total Revenues ($ Mil).
    (LTM values as of)83120259252026Change
    Stock Price ($)25.0028.1912.8%
    Change Contribution By: 
    Total Revenues ($ Mil)367801118.0%
    Net Income Margin (%)21.5%20.0%-7.0%
    P/E Multiple11.96.2-47.7%
    Shares Outstanding (Mil)37356.3%
    Cumulative Contribution12.8%

    LTM = Last Twelve Months as of date shown

    Market Drivers

    8/31/2025 to 9/25/2026
    ReturnCorrelation
    BBT12.8% 
    Market (SPY)20.9%21.2%
    Sector (XLF)3.2%45.2%

    Fundamental Drivers

    The 49.4% change in BBT stock from 8/31/2023 to 9/25/2026 was primarily driven by a 120.0% change in the company's Total Revenues ($ Mil).
    (LTM values as of)83120239252026Change
    Stock Price ($)18.8728.1949.4%
    Change Contribution By: 
    Total Revenues ($ Mil)364801120.0%
    Net Income Margin (%)24.5%20.0%-18.6%
    P/E Multiple7.96.2-21.1%
    Shares Outstanding (Mil)37355.8%
    Cumulative Contribution49.4%

    LTM = Last Twelve Months as of date shown

    Market Drivers

    8/31/2023 to 9/25/2026
    ReturnCorrelation
    BBT49.4% 
    Market (SPY)77.8%41.1%
    Sector (XLF)67.3%59.7%

    Return vs. Risk

    Price Returns Compared

     202120222023202420252026Total [1]
    Returns
    BBT Return69%7%-14%18%-4%10%92%
    Peers Return36%-13%-8%24%24%11%86%
    S&P 500 Return27%-19%24%23%16%13%105%

    Monthly Win Rates [3]
    BBT Win Rate50%58%42%50%58%67% 
    Peers Win Rate72%50%45%58%62%47% 
    S&P 500 Win Rate75%42%67%75%67%56% 

    Max Drawdowns [4]
    BBT Max Drawdown-16%-23%-40%-18%-24%-14% 
    Peers Max Drawdown-20%-32%-44%-20%-25%-17% 
    S&P 500 Max Drawdown-5%-25%-10%-8%-19%-9% 

    [1] Cumulative total returns since the beginning of 2021
    [2] Peers: MTB, CFG, KEY, VLY, EBC.
    [3] Win Rate = % of calendar months in which monthly returns were positive
    [4] Max drawdown represents maximum peak-to-trough decline within a year
    [5] 2026 data is for the year up to 9/25/2026 (YTD)

    How Low Can It Go

    EventBBTS&P 500
    2025 US Tariff Shock
      % Loss-21.1%-18.8%
      % Gain to Breakeven26.8%23.1%
      Time to Breakeven285 days79 days
    Summer-Fall 2023 Five Percent Yield Shock
      % Loss-15.7%-9.5%
      % Gain to Breakeven18.6%10.5%
      Time to Breakeven38 days24 days
    2023 SVB Regional Banking Crisis
      % Loss-38.6%-6.7%
      % Gain to Breakeven62.9%7.1%
      Time to Breakeven545 days31 days
    2022 Inflation Shock & Fed Tightening
      % Loss-16.8%-24.5%
      % Gain to Breakeven20.1%32.4%
      Time to Breakeven22 days427 days
    2020 COVID-19 Crash
      % Loss-56.7%-33.7%
      % Gain to Breakeven131.2%50.9%
      Time to Breakeven416 days140 days
    Q4 2018 Fed Policy Error / Growth Scare
      % Loss-34.9%-19.2%
      % Gain to Breakeven53.6%23.8%
      Time to Breakeven2663 days105 days

    Compare to MTB, CFG, KEY, VLY, EBC

    In The Past

    Beacon Financial's stock fell -21.1% during the 2025 US Tariff Shock. Such a loss loss requires a 26.8% gain to breakeven.

    Preserve Wealth

    Limiting losses and compounding gains is essential to preserving wealth.

    Asset Allocation

    Actively managed asset allocation strategies protect wealth. Learn more.

    EventBBTS&P 500
    2025 US Tariff Shock
      % Loss-21.1%-18.8%
      % Gain to Breakeven26.8%23.1%
      Time to Breakeven285 days79 days
    2023 SVB Regional Banking Crisis
      % Loss-38.6%-6.7%
      % Gain to Breakeven62.9%7.1%
      Time to Breakeven545 days31 days
    2020 COVID-19 Crash
      % Loss-56.7%-33.7%
      % Gain to Breakeven131.2%50.9%
      Time to Breakeven416 days140 days
    Q4 2018 Fed Policy Error / Growth Scare
      % Loss-34.9%-19.2%
      % Gain to Breakeven53.6%23.8%
      Time to Breakeven2663 days105 days
    2011 US Debt Ceiling Crisis & European Contagion
      % Loss-24.2%-17.9%
      % Gain to Breakeven32.0%21.8%
      Time to Breakeven118 days123 days
    2010 Eurozone Sovereign Debt Crisis / Flash Crash
      % Loss-23.9%-15.4%
      % Gain to Breakeven31.4%18.2%
      Time to Breakeven205 days125 days
    2008-2009 Global Financial Crisis
      % Loss-25.3%-53.4%
      % Gain to Breakeven33.8%114.4%
      Time to Breakeven31 days1085 days

    Compare to MTB, CFG, KEY, VLY, EBC

    In The Past

    Beacon Financial's stock fell -21.1% during the 2025 US Tariff Shock. Such a loss loss requires a 26.8% gain to breakeven.

    Preserve Wealth

    Limiting losses and compounding gains is essential to preserving wealth.

    Asset Allocation

    Actively managed asset allocation strategies protect wealth. Learn more.

    About Beacon Financial (BBT)

    Truist Financial Corporation (BBT) is a financial holding company offering a comprehensive suite of banking and trust services, primarily serving clients across the Southeastern and Mid-Atlantic United States. The company operates through distinct segments: Consumer Banking and Wealth, Corporate and Commercial Banking, and Insurance Holdings, reflecting its broad approach to diverse financial needs for both individuals and businesses.

    The company's core offerings include a wide range of deposit products like checking, savings, money market, and certificate of deposit accounts. Truist is also a significant lender, providing financing for automobiles, home equity, mortgages, small businesses, commercial real estate, and various other consumer and commercial purposes. Additionally, it offers essential services such as mobile/online banking, payment solutions, and treasury management for corporate clients.

    Beyond traditional banking, Truist extends its services to wealth management, including investment brokerage, asset management, private banking, and investment advisory. Through its Insurance Holdings segment, it provides a variety of insurance products such as property and casualty, life, health, employee benefits, and professional liability coverage, ensuring a holistic financial service offering for its broad customer base.

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    1. A Bank of America for the Southeastern and Mid-Atlantic U.S.

    2. A Wells Fargo that also has a major insurance division and focuses on the Southeast.

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    For Truist Financial Corporation (symbol: BBT), formerly known as BB&T Corporation, its major customers fall into broad categories rather than specific named companies, as it is a diversified financial services provider.

    The company primarily serves the following customer categories:

    1. Individuals and Consumers: This category includes customers who utilize personal banking services such as checking, savings, money market accounts, certificates of deposit, individual retirement accounts, automobile lending, bankcard lending, consumer finance, home equity and mortgage lending, investment brokerage, and wealth management services.
    2. Small and Middle Market Businesses: This category encompasses small businesses and commercial middle market companies that leverage a range of services including commercial deposit and treasury services, various lending products (small business, commercial middle market, floor plan, commercial mortgage, mortgage warehouse), lease financing, merchant services, and insurance premium finance.
    3. Corporate, Institutional, and Government Clients: This category includes larger corporations, government entities, and institutional clients that utilize corporate and investment banking, capital market services, institutional trust services, international banking, real estate lending, and supply chain financing services.
    ```

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    William H. Rogers Jr., Chairman and Chief Executive Officer

    William H. Rogers Jr. became Chairman of Truist Financial Corporation in March 2022 and Chief Executive Officer in September 2021. He previously served as President and Chief Operating Officer of Truist from December 2019 to September 2021. Prior to the merger that formed Truist, he held the positions of Chairman and CEO of SunTrust Bank, a predecessor company, since January 2012, and President and CEO since June 2011. Rogers began his career in SunTrust's commercial banking division in 1980 and progressed through various senior roles. He holds a Bachelor of Business Administration from the University of North Carolina at Chapel Hill and an MBA from Georgia State University.

    Michael Maguire, Chief Financial Officer

    Michael Maguire was appointed Chief Financial Officer for Truist Financial Corporation effective September 15, 2022. In this role, he is responsible for the company's financial planning and analysis, treasury, accounting, tax, investor relations, corporate strategy, and mergers and acquisitions activities. Before becoming CFO, Maguire was Truist's chief consumer finance and payments officer, where he led consumer lending and wholesale payments businesses. He also served as head of enterprise partnerships and investments at a Truist predecessor, focusing on strategic equity investments in financial technology. Earlier in his career, Maguire spent 16 years as an investment banker at Truist Securities, where he was involved in over 150 advisory and financing transactions within the financial technology sector, including mergers and acquisitions and public offerings. He earned a BSBA in Finance from the University of North Carolina at Chapel Hill and an MBA in Finance from Emory University.

    Beau Cummins, Chief Operating Officer

    Beau Cummins serves as Chief Operating Officer at Truist, where he is responsible for optimizing operations and overseeing key strategic initiatives related to the bank's integration and growth nationwide. He played a significant role in managing organizational changes following the merger and expanding Truist's corporate and investment banking presence. Cummins holds an MBA from the University of Michigan and a Bachelor's degree from Miami University. His prior experience includes senior leadership roles at SunTrust and Bank of America, specializing in capital markets, investment banking, and operational transformation.

    Steve Aufderheide, Chief Technology Officer

    Steve Aufderheide is the Chief Technology Officer at Truist. He leads the company's technology innovation, digital transformation, and initiatives to enhance operational excellence through high-performing technical teams. Aufderheide is recognized for implementing profit-driven technology solutions in dynamic financial service environments and brings over 25 years of executive IT management experience. He holds a BS in Computer Science from Western Connecticut State University and has held leadership positions at SunTrust, ACI Worldwide, and other financial technology firms.

    DeVon Lang, President, North Texas Region

    DeVon Lang is the President for the North Texas Region at Truist. In this role, he focuses on expanding and managing commercial and not-for-profit client relationships, and drives the regional growth strategy by providing strategic financial solutions for businesses and municipalities. Lang holds an MBA from the University of Houston and a Bachelor's in Finance from Louisiana State University. His career background includes energy corporate banking, middle market banking, and senior positions at Truist Securities and Comerica.

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    • Digital-first banks and specialized fintech lenders: These companies leverage superior technology, lower overhead, and often better user experiences to attract customers, particularly for deposit accounts, personal loans, and small business lending, directly competing with Truist's Consumer Banking and Corporate and Commercial Banking segments.
    • Large technology companies entering financial services: Companies like Apple, Google, and Amazon are increasingly offering financial products (e.g., high-yield savings accounts, payment solutions, lending to merchants) leveraging their vast customer bases, data, and technological prowess, posing a significant competitive challenge to traditional banks like Truist.
    • Robo-advisors and automated investment platforms: These platforms provide lower-cost, technology-driven investment management services, directly threatening Truist's traditional investment brokerage and wealth management offerings, especially for mass-market and younger investors.
    ```

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    For Beacon Financial (symbol: BBT), which operates as Truist Financial Corporation, the addressable markets for its main products and services in the U.S. are as follows:

    • Retail Banking: The U.S. retail banking market was valued between approximately USD 870 billion and USD 1.28 trillion in 2025.
    • Mortgage Lending: The U.S. home loan market is estimated to reach USD 2.42 trillion in 2026.
    • Commercial Banking: The U.S. commercial banking market was valued at approximately USD 732.5 billion in 2025 and is estimated to reach USD 765.53 billion in 2026.
    • Insurance Holdings: The U.S. insurance market size was approximately USD 3.7 trillion in 2024.
    • Wealth Management: null

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    For Truist Financial Corporation, which trades under the symbol BBT, the expected drivers of future revenue growth over the next 2-3 years include:

    1. Net Interest Income (NII) Growth and Net Interest Margin (NIM) Expansion: Truist anticipates an increase in net interest income, with projections for 3%-4% growth in 2026. This growth is expected to be fueled by factors such as broad-based loan growth, strategic asset repricing, and lower funding costs due to declining deposit expenses. The company also aims for its net interest margin to reach the low-3% range by the end of 2026, indicating improved profitability from its lending activities.
    2. Fee Income Expansion: The company is focused on expanding its non-interest income, with expectations for mid-single-digit to high-single-digit growth in fee income for 2026. This expansion is projected to be driven by a stronger emphasis on wealth management services and a gradual recovery in investment banking and trading activities.
    3. Digital Transformation and Technology Investments: Truist is investing in digital adoption and technology upgrades, including the launch of an AI-enabled receivables platform. These investments are intended to reduce operational costs, enhance efficiency, and create opportunities for incremental fee revenue, thereby positioning the company for ongoing revenue and margin expansion.
    4. Strategic Loan and Deposit Growth: Truist plans to accelerate earnings growth through targeted loan and deposit growth. The company aims for average loan balances to grow 3%-4% in 2026, focusing on commercial and industrial (C&I) businesses while also prioritizing deposit growth in both retail and wholesale segments through strategies to attract new households and enhance existing client services.

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    Peer Outperformance in Regional Banks

    BBT has trailed 79% of its 264 Regional Banks peers over 5Y. Regional Banks ranks 7th of 18 industries in Financials by median 5Y return.
    Share of Regional Banks constituents that BBT has outperformed, by holding period. Peers without a full price history over a given window are excluded from that window.
    1Y
    45%
    of 288 industry peers · 21.8% return
    3Y
    21%
    of 277 industry peers · 59.8% return
    5Y
    21%
    of 264 industry peers · 24.2% return
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    Median price return by industry across the Financials sector, ranked by 5Y. Regional Banks is BBT's own industry. Use this to see which corners of the sector have carried the returns.
    Industry Names 1Y med3Y med5Y med Top 3 by 5Y
    Reinsurance 7 24.2%65.6%112.8% SPNT 171% · RGA 150% · RNR 141%
    Diversified Banks 13 34.3%131.3%109.8% CM 150% · RY 139% · JPM 138%
    Investment Banking & Brokerage 13 -3.4%108.7%108.9% IBKR 484% · SNEX 245% · GS 170%
    Life & Health Insurance 20 5.6%51.8%95.5% JXN 505% · UNM 340% · FG 194%
    Multi-Sector Holdings 4 3.7%50.1%79.0% JONE 362% · BRK-B 82% · VOYA 76%
    Property & Casualty Insurance 42 7.6%66.4%62.8% ASIC 2714900% · HRTG 387% · UVE 299%
    Regional Banks ← 265 24.8%93.8%61.7% ESQ 370% · BLX 345% · GCBC 301%
    Multi-line Insurance 9 5.6%67.1%56.5% GNW 156% · L 101% · SLF 95%
    Financial Exchanges & Data 15 -1.0%19.4%30.3% VIRT 165% · CBOE 119% · CME 65%
    Diversified Financial Services 4 -4.1%23.8%26.7% FRHC 167% · EQH 108% · TMS -54%
    Consumer Finance 30 -0.4%85.6%17.1% ENVA 419% · EZPW 307% · FCFS 163%
    Insurance Brokers 16 -20.2%-9.8%12.1% LIFE 235% · ARX 88% · CRD-A 58%
    Commercial & Residential Mortgage Finance 13 -51.2%21.3%8.4% FNMA 419% · FMCC 384% · ACT 169%
    Asset Management & Custody Banks 86 -8.8%16.7%7.5% WT 337% · VCTR 280% · SII 275%
    Specialized Finance 3 19.1%44.3%-6.2% EFC 24% · CACC -6% · HASI -19%
    Mortgage REITs 33 -14.1%8.4%-26.0% NREF 52% · RITM 36% · DX 25%
    Transaction & Payment Processing Services 17 1.1%-6.7%-45.1% V 65% · MA 63% · CPAY 49%
    Diversified Capital Markets 24 -29.2%6.8%-56.9% OPY 198% · CD 114% · LPLA 107%
    Median of constituents with a full price history over each window. Top names are unfiltered by size in this render.

    Latest Trefis Analyses

    Title
    0ARTICLES

    Recent Active Movers

    Top Gainers

    TickerCompanyMkt Cap (B)1W RtnYTD Rtn
    GRALGRAIL5.557.1%48.3%
    SECZSecuritize2.447.0%29.8%
    BALYBallys0.834.5%-15.3%
    MRNAModerna79.229.1%574.4%
    VICRVicor13.026.6%157.3%
    QMCOQuantum0.726.3%391.2%
    OUSTOuster2.924.7%102.0%
    ARHSArhaus1.424.6%-9.1%
    BANDBandwidth2.023.1%300.1%
    VKTXViking Therapeutics4.122.7%1.1%

    Top Losers

    TickerCompanyMkt Cap (B)1W RtnYTD Rtn
    XNDUXanadu Quantum Technologies1.5-32.9%-56.7%
    CGEMCullinan Therapeutics0.9-29.7%43.1%
    ALKTAlkami Technology1.5-27.9%-40.2%
    BYNDBeyond Meat4.2-27.5%-66.1%
    KDKKodiak AI0.5-25.9%-77.7%
    GENGen Digital13.0-25.5%-19.3%
    PBLSParabilis Medicines0.9-25.2%-1.3%
    CTEVClaritev0.4-24.7%-45.7%
    ACADACADIA Pharmaceuticals3.5-24.2%-22.6%
    ONTOnterris0.5-22.7%-43.6%

    Top Gainers

    TickerCompanyMkt Cap (B)1M RtnYTD Rtn
    SECZSecuritize2.4134.7%29.8%
    GRALGRAIL5.559.4%48.3%
    BALYBallys0.854.0%-15.3%
    MXLMaxLinear8.449.0%438.4%
    SDGRSchrodinger2.248.2%61.4%
    FEIMFrequency Electronics0.945.9%64.2%
    OKTAOkta34.445.2%125.7%
    VICRVicor13.043.0%157.3%
    ACVAACV Auctions1.842.9%30.4%
    FWDIForward Industries0.742.0%27.4%

    Top Losers

    TickerCompanyMkt Cap (B)1M RtnYTD Rtn
    ADBTAdvasa0.1-97.9%-98.2%
    ALMSAlumis0.9-69.9%-27.3%
    XNDUXanadu Quantum Technologies1.5-51.5%-56.7%
    RAREUltragenyx Pharmaceutical1.5-45.2%-37.0%
    SWMRSwarmer0.3-44.0%-33.1%
    IMUXImmunic0.4-43.3%75.1%
    XENEXenon Pharmaceuticals3.7-42.1%-17.6%
    BYNDBeyond Meat4.2-41.4%-66.1%
    ALHCAlignment Healthcare1.7-40.9%-58.4%
    PRLDPrelude Therapeutics0.4-40.9%33.6%

    More From Trefis

    Research & Analysis

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    Wealth Management

    Peer Comparisons

    Peers to compare with:

    Financials

    BBTMTBCFGKEYVLYEBCMedian
    NameBeacon F.M&T Bank Citizens.KeyCorp Valley N.Eastern . 
    Mkt Price28.19221.1965.5320.6113.0821.4224.80
    Mkt Cap1.032.327.722.17.24.714.7
    Rev LTM8019,8238,7267,5972,1531,1154,875
    Op Inc LTM-------
    FCF LTM2163,5952,3741,199575385887
    FCF 3Y Avg1413,4942,1611,465454301959
    CFO LTM2333,8042,5011,311575406943
    CFO 3Y Avg1493,7042,2871,5574543171,006

    Growth & Margins

    BBTMTBCFGKEYVLYEBCMedian
    NameBeacon F.M&T Bank Citizens.KeyCorp Valley N.Eastern . 
    Rev Chg LTM118.0%4.7%11.0%53.6%12.6%84.4%33.1%
    Rev Chg 3Y Avg39.7%0.9%0.7%7.8%3.0%54.6%5.4%
    Rev Chg Q131.7%4.1%12.1%7.1%13.3%26.8%12.7%
    QoQ Delta Rev Chg LTM18.4%1.0%2.9%1.7%3.1%6.2%3.0%
    Op Inc Chg LTM-------
    Op Inc Chg 3Y Avg-------
    Op Mgn LTM-------
    Op Mgn 3Y Avg-------
    QoQ Delta Op Mgn LTM-------
    CFO/Rev LTM29.1%38.7%28.7%17.3%26.7%36.5%28.9%
    CFO/Rev 3Y Avg29.5%39.2%27.9%26.4%23.0%41.8%28.7%
    FCF/Rev LTM27.0%36.6%27.2%15.8%26.7%34.6%27.1%
    FCF/Rev 3Y Avg28.0%37.0%26.4%24.9%23.0%39.7%27.2%

    Valuation

    BBTMTBCFGKEYVLYEBCMedian
    NameBeacon F.M&T Bank Citizens.KeyCorp Valley N.Eastern . 
    Mkt Cap1.032.327.722.17.24.714.7
    P/S1.23.33.22.93.44.23.2
    P/Op Inc-------
    P/EBIT-------
    P/E6.210.613.010.910.412.410.8
    P/CFO4.38.511.116.812.611.511.3
    Total Yield25.5%12.2%10.5%13.9%13.0%10.6%12.6%
    Dividend Yield9.4%2.8%2.8%4.7%3.4%2.5%3.1%
    FCF Yield 3Y Avg14.4%11.8%10.7%8.5%8.7%8.9%9.8%
    D/E1.00.60.60.70.50.10.6
    Net D/E-1.8-0.7-1.3-0.10.3-0.0-0.4

    Returns

    BBTMTBCFGKEYVLYEBCMedian
    NameBeacon F.M&T Bank Citizens.KeyCorp Valley N.Eastern . 
    1M Rtn-11.1%-7.8%-7.0%-5.8%-6.4%-3.7%-6.7%
    3M Rtn-9.1%-6.2%-6.3%-10.5%-10.4%-2.4%-7.7%
    6M Rtn-1.5%11.6%15.0%8.0%11.2%14.3%11.4%
    12M Rtn21.8%14.5%27.6%14.1%27.1%21.0%21.4%
    3Y Rtn59.8%96.9%184.4%128.5%76.6%88.2%92.6%
    1M Excs Rtn-12.0%-8.7%-7.9%-6.7%-7.3%-4.6%-7.6%
    3M Excs Rtn-14.4%-11.5%-11.6%-15.8%-15.7%-7.7%-13.0%
    6M Excs Rtn-22.3%-10.6%-6.1%-13.8%-10.6%-7.4%-10.6%
    12M Excs Rtn4.1%-2.6%10.3%-2.3%9.1%6.2%5.1%
    3Y Excs Rtn-15.7%15.8%92.7%40.0%-4.3%9.5%12.6%

    Comparison Analyses

    null

    Financials

    $ Mil | FY: 12/312026Q22026Q12025Q42025Q32025Q22025Q12024Q42024Q32024Q22024Q12023Q42023Q3
    Period End6/30/20263/31/202612/31/20259/30/20256/30/20253/31/202512/31/20249/30/20246/30/20243/31/202412/31/20239/30/2023
    Filing Date8/7/20265/11/20263/2/202611/10/20258/7/20255/8/20253/3/202511/6/20248/6/20245/7/20242/27/202411/6/2023
    Key Financials Quarterly            
    Total Revenue2192152221459591929086889289
    Net Income644699-502219182016152323
    EPS1.831.310.64-0.570.600.500.480.550.430.380.620.62
    Key Financials TTM            
    Total Revenue TTM801676553423367359356356356360371369
    Net Income TTM1601179087973697477827582
    Growth Rates Quarterly            
    Total Revenue Growth131.7%134.7%142.1%61.9%9.5%4.1%0.0%0.0%-5.4%-11.0%2.9%5.4%
    Net Income Growth192.5%142.0%466.7%-349.4%34.5%30.2%-23.4%-11.3%-25.1%94.0%-22.9%-24.7%
    Margins Quarterly            
    Net Income Margin29.4%21.5%44.8%-34.7%23.3%20.9%19.1%22.5%18.9%16.7%25.0%25.4%
    Cash & Debt            
    Total Cash2,7771,5323,7301,6606041,2401,4391,2631,1991,1671,0491,041
    Total Debt9801,1658791,1731,1991,2011,5651,5411,4671,3961,4091,168
    Net Debt / (Cash)-1,798-366-2,851-487594-39126278267229359126
    Cash Flows Quarterly            
    FCF from Operations64-141671534843242893929
    Cash Flows TTM            
    FCF from Operations TTM233203224100109104105101105107117120
    Returns to Shareholders Quarterly            
    Dividends272727121212121212121212
    Share Repurchases-0-0-0-0-0-0-0-0-0-0-0-0
    Return on Invested Capital (ROIC) Quarterly            
    ROIC383.9%12.4%--14.6%6.9%11.8%8.8%8.3%7.0%6.6%8.9%11.9%
    Return on Invested Capital (ROIC) TTM            
    ROIC TTM238.1%7.9%-0.5%6.1%11.3%8.6%7.7%8.2%9.2%7.3%10.7%

    Segment Financials

    Revenue by Segment
    $ Mil20252024202320222021
    Single Segment553356371328309
    Total553356371328309


    Price Behavior

    Price Behavior
    Market Price$28.19 
    Market Cap ($ Bil)1.0 
    First Trading Date03/26/1990 
    Distance from 52W High-13.6% 
       50 Days200 Days
    DMA Price$30.84$29.26
    DMA Trendupup
    Distance from DMA-8.6%-3.7%
     3M1YR
    Volatility23.4%27.6%
    Downside Capture86.7142.26
    Upside Capture17.0956.69
    Correlation (SPY)6.8%21.9%
    BBT Betas & Captures as of 8/31/2026

     1M2M3M6M1Y3Y
    Beta0.440.690.160.400.500.81
    Up Beta0.531.040.090.480.790.86
    Down Beta0.32-0.16-0.250.040.280.76
    Up Capture28%74%50%43%46%57%
    Bmk +ve Days10213268138427
    Stock +ve Days10203670135384
    Down Capture61%81%19%51%47%93%
    Bmk -ve Days11213259113324
    Stock -ve Days11212755113352

    [1] Upside and downside betas calculated using positive and negative benchmark daily returns respectively
    Based On 1-Year Data
    Annualized
    Return    		Annualized
    Volatility    		Sharpe
    Ratio    		Correlation
    with BBT
    BBT20.8%27.6%0.67-
    Sector ETF (XLF)3.6%14.7%0.0247.2%
    Equity (SPY)17.7%13.0%0.9821.9%
    Gold (GLD)14.7%29.3%0.468.6%
    Commodities (DBC)46.8%20.7%1.75-14.3%
    Real Estate (VNQ)4.5%13.6%0.0730.5%
    Bitcoin (BTCUSD)-25.5%44.8%-0.532.6%

    Smart multi-asset allocation framework can stack odds in your favor. Learn How
    Based On 5-Year Data
    Annualized
    Return    		Annualized
    Volatility    		Sharpe
    Ratio    		Correlation
    with BBT
    BBT5.8%30.8%0.21-
    Sector ETF (XLF)9.7%18.4%0.3962.8%
    Equity (SPY)13.3%17.2%0.5947.6%
    Gold (GLD)19.2%18.8%0.830.8%
    Commodities (DBC)11.2%19.5%0.456.6%
    Real Estate (VNQ)0.9%18.9%-0.0645.8%
    Bitcoin (BTCUSD)12.3%52.6%0.4116.9%

    Smart multi-asset allocation framework can stack odds in your favor. Learn How
    Based On 10-Year Data
    Annualized
    Return    		Annualized
    Volatility    		Sharpe
    Ratio    		Correlation
    with BBT
    BBT3.6%37.7%0.21-
    Sector ETF (XLF)13.0%22.1%0.5369.1%
    Equity (SPY)15.5%17.9%0.7350.8%
    Gold (GLD)12.1%16.4%0.61-3.8%
    Commodities (DBC)8.7%18.1%0.3916.6%
    Real Estate (VNQ)4.8%20.7%0.1949.4%
    Bitcoin (BTCUSD)63.9%66.2%1.0412.0%

    Smart multi-asset allocation framework can stack odds in your favor. Learn How

    Short Interest

    Short Interest: As Of Date9152026
    Short Interest: Shares Quantity4.6 Mil
    Short Interest: % Change Since 831202614.4%
    Average Daily Volume0.8 Mil
    Days-to-Cover Short Interest5.4 days
    Basic Shares Quantity35.2 Mil
    Short % of Basic Shares13.0%

    Returns Analyses

    Earnings Returns History

    Updated 8/31/2026
    Expand for More
     Forward Returns
    Earnings Date1D Returns5D Returns21D Returns
    7/29/20262.6%6.4%6.8%
    4/29/2026-9.0%-7.9%-6.1%
    1/28/20262.7%8.3%6.7%
    10/29/20254.3%13.3%13.3%
    7/24/2025-1.8%-4.5%-2.5%
    4/24/20253.2%2.2%4.0%
    1/30/20251.0%4.6%-2.9%
    10/24/2024-0.7%0.4%11.2%
    ...
    SUMMARY STATS   
    # Positive131414
    # Negative111010
    Median Positive2.6%4.1%11.2%
    Median Negative-2.7%-4.9%-5.6%
    Max Positive4.9%13.3%32.6%
    Max Negative-9.0%-11.5%-10.7%
     Collapse to Preview
     Forward Returns
    Earnings Date1D Returns5D Returns21D Returns
    7/29/20262.6%6.4%6.8%
    4/29/2026-9.0%-7.9%-6.1%
    1/28/20262.7%8.3%6.7%
    10/29/20254.3%13.3%13.3%
    7/24/2025-1.8%-4.5%-2.5%
    4/24/20253.2%2.2%4.0%
    1/30/20251.0%4.6%-2.9%
    10/24/2024-0.7%0.4%11.2%
    7/18/20240.6%1.4%-4.2%
    4/18/20243.5%5.3%11.8%
    1/25/20240.3%-5.2%-9.9%
    10/20/20231.7%3.5%15.6%
    7/20/2023-6.9%-3.6%-8.2%
    4/20/2023-1.1%-11.5%-9.5%
    1/26/2023-2.5%-0.3%-4.8%
    10/20/20223.3%5.2%11.2%
    7/20/20220.8%2.2%11.2%
    4/20/2022-0.5%-11.2%-10.7%
    1/20/2022-2.7%-4.0%2.8%
    10/21/20212.2%-1.1%2.2%
    7/21/20214.9%0.5%-5.0%
    4/29/2021-4.8%6.7%19.0%
    1/26/2021-4.2%-5.4%14.7%
    10/27/2020-5.3%2.6%32.6%
    SUMMARY STATS   
    # Positive131414
    # Negative111010
    Median Positive2.6%4.1%11.2%
    Median Negative-2.7%-4.9%-5.6%
    Max Positive4.9%13.3%32.6%
    Max Negative-9.0%-11.5%-10.7%

    SEC Filings

    Expand for More
    Report DateFiling DateFiling
    06/30/202608/07/202610-Q
    03/31/202605/11/202610-Q
    12/31/202503/02/202610-K
    09/30/202511/10/202510-Q
    06/30/202508/07/202510-Q
    03/31/202505/08/202510-Q
    12/31/202403/03/202510-K
    09/30/202411/06/202410-Q
    06/30/202408/06/202410-Q
    03/31/202405/07/202410-Q
    12/31/202302/27/202410-K
    09/30/202311/06/202310-Q
    06/30/202308/07/202310-Q
    03/31/202305/11/202310-Q
    12/31/202202/27/202310-K
    09/30/202211/04/202210-Q
     Collapse to Preview
    Report DateFiling DateFiling
    06/30/202608/07/202610-Q
    03/31/202605/11/202610-Q
    12/31/202503/02/202610-K
    09/30/202511/10/202510-Q
    06/30/202508/07/202510-Q
    03/31/202505/08/202510-Q
    12/31/202403/03/202510-K
    09/30/202411/06/202410-Q
    06/30/202408/06/202410-Q
    03/31/202405/07/202410-Q
    12/31/202302/27/202410-K
    09/30/202311/06/202310-Q
    06/30/202308/07/202310-Q
    03/31/202305/11/202310-Q
    12/31/202202/27/202310-K
    09/30/202211/04/202210-Q
    06/30/202208/08/202210-Q
    03/31/202205/06/202210-Q
    12/31/202102/25/202210-K
    09/30/202111/05/202110-Q
    06/30/202108/06/202110-Q
    03/31/202105/05/202110-Q
    12/31/202002/26/202110-K
    09/30/202011/04/202010-Q
    06/30/202008/06/202010-Q
    03/31/202005/29/202010-Q
    12/31/201902/28/202010-K
    09/30/201911/06/201910-Q

    Insider Activity

    Updated 8/19/2026
    Expand for More
    #OwnerTitleHoldingActionFiling DatePriceSharesTransacted
    Value    		Value of
    Held Shares    		Form
    1McCurdy, Michael WChief Banking OfficerDirectSell226202631.0417,333538,016793,227Form
    2Callahan, Mary Anne TrustBuy1106202524.674,00098,680428,617Form
    3Hollister, Thomas J Thomas J. Hollister IRABuy1106202524.664,200103,572184,358Form
    4Carlson, Carl MCFO & Chief Strategy OfficerDirectBuy1105202524.692,00049,3801,868,786Form
    5Hughes, William H Iii DirectBuy1103202524.2663515,405328,480Form
     Collapse to Preview
    #OwnerTitleHoldingActionFiling DatePriceSharesTransacted
    Value    		Value of
    Held Shares    		Form
    1McCurdy, Michael WChief Banking OfficerDirectSell226202631.0417,333538,016793,227Form
    2Callahan, Mary Anne TrustBuy1106202524.674,00098,680428,617Form
    3Hollister, Thomas J Thomas J. Hollister IRABuy1106202524.664,200103,572184,358Form
    4Carlson, Carl MCFO & Chief Strategy OfficerDirectBuy1105202524.692,00049,3801,868,786Form
    5Hughes, William H Iii DirectBuy1103202524.2663515,405328,480Form
    6Hill, Willard I JR DirectSell916202525.961,00025,960319,983Form

    Investor Activity (13F)

    Updated Sep 26, 2026
    13F holdings as of Mar 31, 2026 (Q1 2026)

    Active managers (13F portfolio over $250M, at least 3 holdings) with a position over $5M that is either over 10% of their portfolio or held in a concentrated book of 50 or fewer total positions. Index/ETF, sovereign, bank, community-bank and charitable/donor-advised filers are excluded.

    Active ManagerValue% of PortfolioTotal PositionsQoQFiling
    Azora Capital LP$94.1 Mil6.2%45Hold13F
    HoldCo Asset Management, LP$61.8 Mil4.6%29Hold13F
    Glendon Capital Management LP$11.4 Mil1.4%25Hold13F
    Active Manager
    Active Manager
    Active ManagerValue% of PortfolioTotal PositionsQoQFiling
    Azora Capital LP$94.1 Mil6.2%45Hold13F
    HoldCo Asset Management, LP$61.8 Mil4.6%29Hold13F
    Glendon Capital Management LP$11.4 Mil1.4%25Hold13F

    Industry Resources

    External Quote Links


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