FRST - Primis Financial Corp. Stock Analysis | Finranks

Stock details

Previous close: 13.92$
Day's range: 13.74 - 14.2$
52-week range: 9.19 - 14.97$
Volume: 188 449
Average volume: 206 935
Beta: 0.64
EPS (TTM): 1.87
PE ratio (TTM): 7.45
Forward P/E: 8.68
Market cap: 344 827 242
Shares outstanding: 24 772 072
Dividend yield: $2.83 (2.83%)
Next earnings date: 2026-07-23
Sector: Financials
Industry: Banks - Regional

About the company

Primis Financial Corp. operates as the bank holding company for Primis Bank that provides various financial services to individuals, and small and medium sized businesses in the United States. The company offers deposit products, including checking, NOW, savings, and money market accounts, as well as certificates of deposits; and commercial deposit products comprising investment/sweep accounts, wire transfer services, employe... read more

CEO: Dennis Zember
Country: United States
IPO Date: 2006-11-01
Employees: 593
Fiscal Year End: January - December
Website: https://www.primisbank.com

Revenue Breakdown

Primis Bank / 70.40%

Primis Mortgage / 18.07%

Other / 11.53%

News

No Data

There are no news for this stock.

Chart: FRST

Loading Chart...

Overall Score

4.8 / 1048%

Financial Strength

5.4

Profitability

4.4

Effectiveness

3.8

Growth

6.7

Forecast

7.9

Valuation

5.7

Dividend

3.5

Economic Moat

Octagon View

Strength & Weakness

Cash reserves $0.0 barely cover the upcoming debt maturities $378.1M

Total current assets $0.0 are just enough to cover Total current liabilities $0.0, indicating tight liquidity

Debt-to-equity ratio (0.9) is near the industry average, reflecting balanced leverage

The company has no interest-bearing debt, showcasing excellent financial strength

Financial Strength

NAME	RATIO	INDUSTRY	SCORE
Current ratio	0.07	2.82	1.0
Quick ratio	N/A	2.82	1.0
Debt to Equity	0.89	0.05	6.0
Debt to Assets	0.09	0.09	9.0
Interest coverage	N/A	N/A	10
Weighted average score			5.4

Debt to Assets

Financial

Values in USD
(B=Billions, M=Millions, K=Thousands)

Values in USD (B=Billions, M=Millions, K=Thousands)

METRIC	2022	2023	2024	2025	TTM
Total Revenue	142M	227M	248M	313M	300M
Gross Profit	N/A	N/A	N/A	N/A	N/A
Operating Income	18M	4M	-27M	73M	59M
Net Income	14M	-8M	-16M	61M	46M
EBITDA	N/A	N/A	N/A	N/A	N/A

Current Ratio

Revenue & Net Income

Cashflow

Margin Ratios

Profitability

NAME	RATIO	INDUSTRY	SCORE
Gross margin %	N/A	48.43	1.0
Operating margin %	22.63	0.44	9.0
Net margin %	16.02	32.70	10
EBITDA margin %	N/A	0.00	1.0
Cash flow margin %	N/A	0.00	1.0
Weighted average score			4.4

Net Margin

Effectiveness

NAME	RATIO	INDUSTRY	SCORE
ROA	0.76	1.46	2.0
ROE	7.60	14.94	6.0
ROIC	5.71	0.00	6.0
ROCE	N/A	0.00	1.0
Weighted average score			3.8

Estimated EPS vs Actual EPS

Forecast

NAME	REVENUE GROWTH	EPS GROWTH	SCORE
Current quarter	14.3	242.42	9.0
Next quarter	24.22	58.33	10
Current year	-7.75	311.11	5.5
Next year	7.46	19.54	7.0
Weighted average score			7.9

Analyst Rating

Growth

NAME	REVENUE	NET INCOME	EPS	FCF	SCORE
Q/Q	-35.08	-75.24	230	N/A	3.3
Y/Y	-16.2	-67.69	135.71	N/A	3.3
3y average	31.85	72.3	50.73	42918.97	10
5y average	20.81	39.28	25.67	25743.27	10
Weighted average score					6.7

Revenue Growth Rate vs. Industry

Valuation

NAME	RATIO	INDUSTRY	SCORE
P/E	7.61	11.16	8.6
PEG (5yr expected)	N/A	98.42	1.0
P/S	2.79	3.37	4.8
P/B	0.84	1.53	8.4
Weighted average score			5.7

DCF Model

DCF Model Period5 years

Discount rate9%

Perpetual growth rate3%

Revenue 5 year CAGR9.74%

FCF 5 year CAGR4

Fair value11.32$

Stock price13.92$

Dividend

NAME	CURRENT	INDUSTRY	SCORE
Dividend yield	3.53	3.53	8.0
Payout ratio	25.81	25.81	4.0
5-year dividend growth rate	0.00	0.00	1.0
Years of dividend increase	0.00	0.00	1.0
Weighted average score			3.5

Fair Value

$11.32

UndervaluedStock priceOvervalued

$13.92

Economic Moat

NAME	SCALE	SCORE
Market share	None	1.0
Intangible assets	None	1.0
Switching costs	None	1.0
Network effect	None	1.0
Economies of scale	None	1.0
Weighted average score		1.0

Stock details

Previous close: 13.92$
Day's range: 13.74 - 14.2$
52-week range: 9.19 - 14.97$
Volume: 188 449
Average volume: 206 935
Beta: 0.64
EPS (TTM): 1.87
PE ratio (TTM): 7.45
Forward P/E: 8.68
Market cap: 344 827 242
Shares outstanding: 24 772 072
Dividend yield: $2.83 (2.83%)
Next earnings date: 2026-07-23
Sector: Financials
Industry: Banks - Regional

About the company

CEO: Dennis Zember
Country: United States
IPO Date: 2006-11-01
Employees: 593
Fiscal Year End: January - December
Website: https://www.primisbank.com

Revenue Breakdown

Primis Bank / 70.40%

Primis Mortgage / 18.07%

Other / 11.53%

News

No Data

There are no news for this stock.

Chart: FRST

Loading Chart...

Overall Score

4.8 / 1048%

Financial Strength

5.4

Profitability

4.4

Effectiveness

3.8

Growth

6.7

Forecast

7.9

Valuation

5.7

Dividend

3.5

Economic Moat

Octagon View

Strength & Weakness

Cash reserves $0.0 barely cover the upcoming debt maturities $378.1M

Total current assets $0.0 are just enough to cover Total current liabilities $0.0, indicating tight liquidity

Debt-to-equity ratio (0.9) is near the industry average, reflecting balanced leverage

The company has no interest-bearing debt, showcasing excellent financial strength

Financial Strength

NAME	RATIO	INDUSTRY	SCORE
Current ratio	0.07	2.82	1.0
Quick ratio	N/A	2.82	1.0
Debt to Equity	0.89	0.05	6.0
Debt to Assets	0.09	0.09	9.0
Interest coverage	N/A	N/A	10
Weighted average score			5.4

Debt to Assets

Financial

Values in USD
(B=Billions, M=Millions, K=Thousands)

Values in USD (B=Billions, M=Millions, K=Thousands)

METRIC	2022	2023	2024	2025	TTM
Total Revenue	142M	227M	248M	313M	300M
Gross Profit	N/A	N/A	N/A	N/A	N/A
Operating Income	18M	4M	-27M	73M	59M
Net Income	14M	-8M	-16M	61M	46M
EBITDA	N/A	N/A	N/A	N/A	N/A

Current Ratio

Revenue & Net Income

Cashflow

Margin Ratios

Profitability

NAME	RATIO	INDUSTRY	SCORE
Gross margin %	N/A	48.43	1.0
Operating margin %	22.63	0.44	9.0
Net margin %	16.02	32.70	10
EBITDA margin %	N/A	0.00	1.0
Cash flow margin %	N/A	0.00	1.0
Weighted average score			4.4

Net Margin

Effectiveness

NAME	RATIO	INDUSTRY	SCORE
ROA	0.76	1.46	2.0
ROE	7.60	14.94	6.0
ROIC	5.71	0.00	6.0
ROCE	N/A	0.00	1.0
Weighted average score			3.8

Estimated EPS vs Actual EPS

Forecast

NAME	REVENUE GROWTH	EPS GROWTH	SCORE
Current quarter	14.3	242.42	9.0
Next quarter	24.22	58.33	10
Current year	-7.75	311.11	5.5
Next year	7.46	19.54	7.0
Weighted average score			7.9

Analyst Rating

Growth

NAME	REVENUE	NET INCOME	EPS	FCF	SCORE
Q/Q	-35.08	-75.24	230	N/A	3.3
Y/Y	-16.2	-67.69	135.71	N/A	3.3
3y average	31.85	72.3	50.73	42918.97	10
5y average	20.81	39.28	25.67	25743.27	10
Weighted average score					6.7

Revenue Growth Rate vs. Industry

Valuation

NAME	RATIO	INDUSTRY	SCORE
P/E	7.61	11.16	8.6
PEG (5yr expected)	N/A	98.42	1.0
P/S	2.79	3.37	4.8
P/B	0.84	1.53	8.4
Weighted average score			5.7

DCF Model

DCF Model Period5 years

Discount rate9%

Perpetual growth rate3%

Revenue 5 year CAGR9.74%

FCF 5 year CAGR4

Fair value11.32$

Stock price13.92$

Dividend

NAME	CURRENT	INDUSTRY	SCORE
Dividend yield	3.53	3.53	8.0
Payout ratio	25.81	25.81	4.0
5-year dividend growth rate	0.00	0.00	1.0
Years of dividend increase	0.00	0.00	1.0
Weighted average score			3.5

Fair Value

$11.32

UndervaluedStock priceOvervalued

$13.92

Economic Moat

NAME	SCALE	SCORE
Market share	None	1.0
Intangible assets	None	1.0
Switching costs	None	1.0
Network effect	None	1.0
Economies of scale	None	1.0
Weighted average score		1.0

Search stocks

Primis Financial Corp. (FRST)

Get all premium features to the best stock analysis tool

Finranks

Company

Contact us

Follow us

Primis Financial Corp. (FRST)

Stock details

About the company

Revenue Breakdown

News

Chart: FRST

Overall Score

Octagon View

Strength & Weakness

Financial Strength

Debt to Assets

Financial

Current Ratio

Revenue & Net Income

Cashflow

Margin Ratios

Profitability

Net Margin

Effectiveness

Estimated EPS vs Actual EPS

Forecast

Analyst Rating

Growth

Revenue Growth Rate vs. Industry

Valuation

DCF Model

Dividend

Fair Value

$11.32

$13.92

Economic Moat

Stock details

About the company

Revenue Breakdown

News

Chart: FRST

Overall Score

Octagon View

Strength & Weakness

Financial Strength

Debt to Assets

Financial

Current Ratio

Revenue & Net Income

Cashflow

Margin Ratios

Profitability

Net Margin

Effectiveness

Estimated EPS vs Actual EPS

Forecast

Analyst Rating

Growth

Revenue Growth Rate vs. Industry

Valuation

DCF Model

Dividend

Fair Value

$11.32

$13.92

Economic Moat