BBT Beacon Financial Corp

Did the company actually spend money buying back stock in 3+ of the last 4 quarters?

Bought back stock in 4/4 quarters. Q2 2025: $13M, Q1 2025: $4M, Q3 2024: $4M, Q2 2024: $12M

Is the most recent quarter's buyback spend more than 15% above the trailing average?

Latest quarter $13M vs trailing avg $7M (+102%)

What percentage of free cash flow is going to buybacks? Bull: 30-80%. Bear: <10% or >80%.

Buyback $33M / FCF $295M = 11% of FCF

How fast are they shrinking the float? Bull: 2%+ annually. Bear: under 0.5%.

Repurchased 566,793 shares = 0.7% of 84,063,130 outstanding (annualized)

Are officers and directors buying stock with their own money on the open market?

4 open-market purchases by 4 insiders

• Callahan Mary Anne () bought 4,000 shares at $24.67 on 2025-11-04
• Hollister Thomas J () bought 4,200 shares at $24.66 on 2025-11-04
• Carlson Carl M (CFO & Chief Strategy Officer) bought 2,000 shares at $24.69 on 2025-11-03
• Hughes William H III () bought 635 shares at $24.26 on 2025-11-03

Are insider purchases happening during the same quarters the company is actively buying back stock?

Insider buying coincided with company buybacks in 0 of 4 quarters

Looking at all open-market transactions, are insiders net buyers or net sellers?

Insiders bought $0M, sold $1M (net selling)

Active buyback + insiders net selling 3x+ more than buying. Company cash may be supporting price while insiders exit.

No buyback-insider divergence detected