{
  "app": "dividend_compounders",
  "ticker": {
    "uuid": "d3b20a7d-8c7d-4e1e-93ec-133f9265247a",
    "symbol": "BBT",
    "name": "Beacon Financial Corporation",
    "exchange": "NYSE",
    "country_code": "US",
    "country_name": "United States",
    "sector": "Financial Services",
    "industry": "Banks - Regional",
    "chart_url": "https://sharemaestro.com/terminal/d3b20a7d-8c7d-4e1e-93ec-133f9265247a/"
  },
  "snapshot": {
    "ticker": {
      "uuid": "d3b20a7d-8c7d-4e1e-93ec-133f9265247a",
      "symbol": "BBT",
      "name": "Beacon Financial Corporation",
      "exchange": "NYSE",
      "country_code": "US",
      "country_name": "United States",
      "sector": "Financial Services",
      "industry": "Banks - Regional",
      "chart_url": "https://sharemaestro.com/terminal/d3b20a7d-8c7d-4e1e-93ec-133f9265247a/"
    },
    "as_of_date": "2026-06-12",
    "provider_symbol": "BBT",
    "market_cap": 2552199936.0,
    "market_cap_usd": 2416417759.38,
    "price": 30.450001,
    "currency": "USD",
    "dividend_yield": 0.0428,
    "dividend_years": 26,
    "dividend_growth_5y": 0.0368971,
    "dividend_cut_5y": true,
    "payout_ratio": 1.1925,
    "net_income": 90271000.0,
    "free_cash_flow": 212156000.0,
    "fcf_covers_dividend": true,
    "debt_to_equity": 0.3521841,
    "revenue_growth_5y": 0.19016351,
    "net_margin": 0.18548,
    "roe": 0.06269,
    "pe_ratio": 28.194445,
    "price_vs_ma": 0.07438805,
    "return_3y": 0.63243605,
    "return_5y": 0.26566185,
    "max_drawdown": -0.39519867,
    "scores": {
      "dividend_reliability": 18.0,
      "dividend_sustainability": 13.0,
      "business_quality": 21.5,
      "valuation": 13.0,
      "trend": 13.5,
      "total": 79.0,
      "confidence": 100.0
    },
    "rating": "high_quality",
    "rating_label": "High Quality Watchlist Candidate",
    "decision": "reject",
    "decision_label": "Reject",
    "warnings": [
      "Dividend cut or material annual decrease detected in the last five completed years.",
      "Payout ratio is elevated at 119.2%."
    ],
    "urls": {
      "page": "https://sharemaestro.com/dividend-compounders/ticker/d3b20a7d-8c7d-4e1e-93ec-133f9265247a/",
      "chart": "https://sharemaestro.com/terminal/d3b20a7d-8c7d-4e1e-93ec-133f9265247a/"
    }
  },
  "score_breakdown": {
    "dividend_reliability": 18.0,
    "dividend_sustainability": 13.0,
    "business_quality": 21.5,
    "valuation": 13.0,
    "trend": 13.5,
    "total": 79.0,
    "confidence": 100.0
  },
  "warnings": [
    "Dividend cut or material annual decrease detected in the last five completed years.",
    "Payout ratio is elevated at 119.2%."
  ],
  "diary": [
    {
      "event_date": "2026-06-12",
      "event_type": "warning",
      "severity": "warning",
      "ticker": "BBT",
      "exchange": "NYSE",
      "headline": "BBT dividend review warning",
      "detail": "Payout ratio is elevated at 119.2%.",
      "amount": null,
      "currency": "",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/d3b20a7d-8c7d-4e1e-93ec-133f9265247a/"
    },
    {
      "event_date": "2026-05-15",
      "event_type": "payment",
      "severity": "info",
      "ticker": "BBT",
      "exchange": "NYSE",
      "headline": "BBT dividend payment 0.323 USD",
      "detail": "Recorded dividend payment for Beacon Financial Corporation.",
      "amount": 0.323,
      "currency": "USD",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/d3b20a7d-8c7d-4e1e-93ec-133f9265247a/"
    },
    {
      "event_date": "2026-02-13",
      "event_type": "payment",
      "severity": "info",
      "ticker": "BBT",
      "exchange": "NYSE",
      "headline": "BBT dividend payment 0.323 USD",
      "detail": "Recorded dividend payment for Beacon Financial Corporation.",
      "amount": 0.323,
      "currency": "USD",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/d3b20a7d-8c7d-4e1e-93ec-133f9265247a/"
    },
    {
      "event_date": "2025-11-10",
      "event_type": "increase",
      "severity": "positive",
      "ticker": "BBT",
      "exchange": "NYSE",
      "headline": "Dividend increased 79.4%",
      "detail": "Payment changed from 0.18 to 0.323.",
      "amount": 0.323,
      "currency": "USD",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/d3b20a7d-8c7d-4e1e-93ec-133f9265247a/"
    },
    {
      "event_date": "2025-11-10",
      "event_type": "payment",
      "severity": "info",
      "ticker": "BBT",
      "exchange": "NYSE",
      "headline": "BBT dividend payment 0.323 USD",
      "detail": "Recorded dividend payment for Beacon Financial Corporation.",
      "amount": 0.323,
      "currency": "USD",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/d3b20a7d-8c7d-4e1e-93ec-133f9265247a/"
    },
    {
      "event_date": "2025-08-14",
      "event_type": "payment",
      "severity": "info",
      "ticker": "BBT",
      "exchange": "NYSE",
      "headline": "BBT dividend payment 0.18 USD",
      "detail": "Recorded dividend payment for Beacon Financial Corporation.",
      "amount": 0.18,
      "currency": "USD",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/d3b20a7d-8c7d-4e1e-93ec-133f9265247a/"
    },
    {
      "event_date": "2025-05-15",
      "event_type": "payment",
      "severity": "info",
      "ticker": "BBT",
      "exchange": "NYSE",
      "headline": "BBT dividend payment 0.18 USD",
      "detail": "Recorded dividend payment for Beacon Financial Corporation.",
      "amount": 0.18,
      "currency": "USD",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/d3b20a7d-8c7d-4e1e-93ec-133f9265247a/"
    },
    {
      "event_date": "2025-02-20",
      "event_type": "payment",
      "severity": "info",
      "ticker": "BBT",
      "exchange": "NYSE",
      "headline": "BBT dividend payment 0.18 USD",
      "detail": "Recorded dividend payment for Beacon Financial Corporation.",
      "amount": 0.18,
      "currency": "USD",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/d3b20a7d-8c7d-4e1e-93ec-133f9265247a/"
    },
    {
      "event_date": "2024-11-14",
      "event_type": "payment",
      "severity": "info",
      "ticker": "BBT",
      "exchange": "NYSE",
      "headline": "BBT dividend payment 0.18 USD",
      "detail": "Recorded dividend payment for Beacon Financial Corporation.",
      "amount": 0.18,
      "currency": "USD",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/d3b20a7d-8c7d-4e1e-93ec-133f9265247a/"
    },
    {
      "event_date": "2024-09-30",
      "event_type": "payment",
      "severity": "info",
      "ticker": "BBT",
      "exchange": "NYSE",
      "headline": "BBT dividend payment 0.18 USD",
      "detail": "Recorded dividend payment for Beacon Financial Corporation.",
      "amount": 0.18,
      "currency": "USD",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/d3b20a7d-8c7d-4e1e-93ec-133f9265247a/"
    },
    {
      "event_date": "2024-06-20",
      "event_type": "payment",
      "severity": "info",
      "ticker": "BBT",
      "exchange": "NYSE",
      "headline": "BBT dividend payment 0.18 USD",
      "detail": "Recorded dividend payment for Beacon Financial Corporation.",
      "amount": 0.18,
      "currency": "USD",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/d3b20a7d-8c7d-4e1e-93ec-133f9265247a/"
    },
    {
      "event_date": "2024-03-20",
      "event_type": "payment",
      "severity": "info",
      "ticker": "BBT",
      "exchange": "NYSE",
      "headline": "BBT dividend payment 0.18 USD",
      "detail": "Recorded dividend payment for Beacon Financial Corporation.",
      "amount": 0.18,
      "currency": "USD",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/d3b20a7d-8c7d-4e1e-93ec-133f9265247a/"
    },
    {
      "event_date": "2023-11-15",
      "event_type": "payment",
      "severity": "info",
      "ticker": "BBT",
      "exchange": "NYSE",
      "headline": "BBT dividend payment 0.18 USD",
      "detail": "Recorded dividend payment for Beacon Financial Corporation.",
      "amount": 0.18,
      "currency": "USD",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/d3b20a7d-8c7d-4e1e-93ec-133f9265247a/"
    },
    {
      "event_date": "2023-08-16",
      "event_type": "payment",
      "severity": "info",
      "ticker": "BBT",
      "exchange": "NYSE",
      "headline": "BBT dividend payment 0.18 USD",
      "detail": "Recorded dividend payment for Beacon Financial Corporation.",
      "amount": 0.18,
      "currency": "USD",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/d3b20a7d-8c7d-4e1e-93ec-133f9265247a/"
    },
    {
      "event_date": "2022-11-16",
      "event_type": "increase",
      "severity": "positive",
      "ticker": "BBT",
      "exchange": "NYSE",
      "headline": "Dividend increased 50.0%",
      "detail": "Payment changed from 0.12 to 0.18.",
      "amount": 0.18,
      "currency": "USD",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/d3b20a7d-8c7d-4e1e-93ec-133f9265247a/"
    },
    {
      "event_date": "2020-09-21",
      "event_type": "cut",
      "severity": "negative",
      "ticker": "BBT",
      "exchange": "NYSE",
      "headline": "Dividend cut -50.0%",
      "detail": "Payment changed from 0.24 to 0.12.",
      "amount": 0.12,
      "currency": "USD",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/d3b20a7d-8c7d-4e1e-93ec-133f9265247a/"
    },
    {
      "event_date": "2016-02-09",
      "event_type": "increase",
      "severity": "positive",
      "ticker": "BBT",
      "exchange": "NYSE",
      "headline": "Dividend increased 5.3%",
      "detail": "Payment changed from 0.19 to 0.2.",
      "amount": 0.2,
      "currency": "USD",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/d3b20a7d-8c7d-4e1e-93ec-133f9265247a/"
    },
    {
      "event_date": "2015-02-10",
      "event_type": "increase",
      "severity": "positive",
      "ticker": "BBT",
      "exchange": "NYSE",
      "headline": "Dividend increased 5.6%",
      "detail": "Payment changed from 0.18 to 0.19.",
      "amount": 0.19,
      "currency": "USD",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/d3b20a7d-8c7d-4e1e-93ec-133f9265247a/"
    },
    {
      "event_date": "2012-11-06",
      "event_type": "increase",
      "severity": "positive",
      "ticker": "BBT",
      "exchange": "NYSE",
      "headline": "Dividend increased 5.9%",
      "detail": "Payment changed from 0.17 to 0.18.",
      "amount": 0.18,
      "currency": "USD",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/d3b20a7d-8c7d-4e1e-93ec-133f9265247a/"
    }
  ]
}