What is Beacon Financial Corp worth?
With the base-case assumptions below, a discounted cash flow model on Beacon Financial Corp's reported free cash flow gives $28.35 per share. The share price was $28.19 on September 25, 2026, 1% below that value.
Inputs from the filings
Three sets of assumptions
| Case | Growth yrs 1-5 | Discount rate | Value per share | Value vs price |
|---|---|---|---|---|
| Bear | -10.0% | 10.0% | $19.36 | -31% |
| Base | -5.0% | 9.0% | $28.35 | +1% |
| Bull | 0.0% | 8.0% | $45.12 | +60% |
Sensitivity: base case value per share
| 1.5% | 2.0% | 2.5% | 3.0% | 3.5% | |
|---|---|---|---|---|---|
| 7.0% | $34.34 | $36.10 | $38.25 | $40.94 | $44.40 |
| 8.0% | $29.92 | $31.06 | $32.41 | $34.03 | $36.01 |
| 9.0% | $26.67 | $27.45 | $28.35 | $29.40 | $30.64 |
| 10.0% | $24.17 | $24.73 | $25.36 | $26.08 | $26.91 |
| 11.0% | $22.19 | $22.60 | $23.05 | $23.57 | $24.15 |
Where the presets come from
Base: years 1 to 5 grow at Beacon Financial Corp's revenue growth rate over the last 5 fiscal years (-39.9% a year), held between -5% and 15%. Years 6 to 10 grow halfway between that and the long-run rate of 2.5%. Future cash is discounted at 9% a year.
Bear: 5 points less growth, 2% long-run growth, 10% discount rate. Bull: 5 points more growth (at most 25%), 3% long-run growth, 8% discount rate.
Value per share = (present value of 10 years of free cash flow + present value of everything after + cash - debt) / diluted shares.
This is a model run on assumptions, not a recommendation or a price target. Small changes in the discount rate or growth move the result a lot, as the table above shows. Change them yourself in the calculator.
Adjust the assumptions
Move the sliders for growth, long-run growth and discount rate, or switch to average free cash flow, and see the value per share change.
Adjust the assumptions