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 $24.57 per share. The share price was $31.01 on November 10, 2026, 26% above 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% | $15.58 | -50% |
| Base | -5.0% | 9.0% | $24.57 | -21% |
| Bull | 0.0% | 8.0% | $41.34 | +33% |
Sensitivity: base case value per share
| 1.5% | 2.0% | 2.5% | 3.0% | 3.5% | |
|---|---|---|---|---|---|
| 7.0% | $30.56 | $32.32 | $34.47 | $37.16 | $40.62 |
| 8.0% | $26.14 | $27.28 | $28.63 | $30.25 | $32.23 |
| 9.0% | $22.89 | $23.67 | $24.57 | $25.62 | $26.86 |
| 10.0% | $20.39 | $20.95 | $21.58 | $22.29 | $23.12 |
| 11.0% | $18.41 | $18.82 | $19.27 | $19.78 | $20.36 |
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