Primis Financial (FRST)
NASDAQ:FRST
FRST Stock Chart & Stats
$13.52
-$0.10(-0.90%)
At close: 4:00 PM EST
$13.52
-$0.10(-0.90%)
Day’s Range― - ―
52-Week Range$7.59 - $14.55
Previous CloseN/A
Volume19.84K
Average Volume (3M)78.85K
Market Cap
$327.02M
Enterprise Value$445.53M
Total Cash (Recent Filing)$181.07M
Total Debt (Recent Filing)$262.17M
Price to Earnings (P/E)5.6
Beta0.92
Next Earnings
Apr 23, 2026EPS Estimate
0.29Next Dividend Ex-DateN/A
Dividend Yield3.06%
Share Statistics
EPS (TTM)0.10
Shares Outstanding24,699,184
10 Day Avg. Volume73,083
30 Day Avg. Volume78,846
Financial Highlights & Ratios
PEG Ratio-0.01
Price to Book (P/B)0.81
Price to Sales (P/S)1.10
P/FCF Ratio37.99
Enterprise Value/Market Cap1.36
Enterprise Value/Revenue1.46
Enterprise Value/Gross Profit2.18
Enterprise Value/Ebitda5.63
Forecast
1Y Price TargetN/A
Price Target UpsideN/A
Rating ConsensusN/A
Number of Analyst Covering0
EPS Forecast (FY)1.5
Revenue Forecast (FY)$180.55M
Bulls Say, Bears Say
Bulls Say
Net Interest Margin ExpansionSustained NIM improvement reflects completed securities repositioning, planned subordinated debt redemption (~11 bps upside) and large loan repricings and deposit mix shifts. Higher, structurally improved margins support recurring net interest income and underpin management's 1.0% ROA target into 2026.
Stronger Deposit FranchiseMaterial growth in low‑cost checking and noninterest deposits plus a sizable digital deposit base reduces funding costs and funding volatility. A stickier, cheaper deposit mix enhances margin durability, supports loan and mortgage growth without reliance on brokered funding, and strengthens funding resilience.
Mortgage & Warehouse ScalabilityRapidly scaling mortgage production and planned warehouse growth diversify revenue away from core community lending and can deliver meaningful pretax contribution (management cites 40–60 bps on production and >2% ROA at scale). This structural diversification can sustainably boost returns if execution holds.
Bears Say
Weak Cash GenerationCash conversion lagging reported earnings signals lower quality of earnings and limits internal funding for loan growth, buybacks, or buffers against credit stress. Persistent weak operating and free cash flow increases reliance on external funding or asset transactions, raising structural risk over the next several quarters.
Rising Debt And Leverage VolatilityA pronounced year‑over‑year jump in debt and historically volatile leverage raise balance‑sheet sensitivity to rate moves or funding stress. Higher debt burdens can increase interest expense, constrain capital actions, and reduce flexibility if credit or deposit conditions worsen, making returns more cyclical.
Credit Watch Items & ProvisioningRising special‑mention loans and elevated provisions indicate emerging credit deterioration in select pockets. Ongoing specific reserves and watch‑list assets can pressure future earnings and capital if stress widens, requiring sustained underwriting vigilance and potentially constraining growth or payout flexibility.
Primis Financial News
FRST FAQ
What was Primis Financial’s price range in the past 12 months?
Primis Financial lowest stock price was $7.58 and its highest was $14.55 in the past 12 months.
What is Primis Financial’s market cap?
Primis Financial’s market cap is $327.02M.
When is Primis Financial’s upcoming earnings report date?
Primis Financial’s upcoming earnings report date is Apr 23, 2026 which is in 27 days.
How were Primis Financial’s earnings last quarter?
Primis Financial released its earnings results on Jan 29, 2026. The company reported $0.1 earnings per share for the quarter, missing the consensus estimate of $0.34 by -$0.24.
Is Primis Financial overvalued?
According to Wall Street analysts Primis Financial’s price is currently Overvalued.
Does Primis Financial pay dividends?
Primis Financial pays a Quarterly dividend of $0.1 which represents an annual dividend yield of 3.06%. See more information on Primis Financial dividends here
What is Primis Financial’s EPS estimate?
Primis Financial’s EPS estimate is 0.29.
How many shares outstanding does Primis Financial have?
Primis Financial has 24,699,184 shares outstanding.
What happened to Primis Financial’s price movement after its last earnings report?
Primis Financial reported an EPS of $0.1 in its last earnings report, missing expectations of $0.34. Following the earnings report the stock price went down -0.742%.
Which hedge fund is a major shareholder of Primis Financial?
Currently, no hedge funds are holding shares in FRST
What is the TipRanks Smart Score and how is it calculated?
Smart Score combines eight research factors - such as analyst recommendations, hedge fund trends, and technical indicators - to measure a stock’s outlook. These signals are unified into a single score that reflects bullish or bearish momentum. See detailed methodology
Primis Financial Stock Smart Score
Neutral
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Hedge Fund Trend
Increased
By 186.1K Shares
Last Quarter.
Last Quarter.
Insider Transactions
Bought Shares
Worth $138.1K over
the Last 3 Months
the Last 3 Months
Technicals
SMA
Positive
20 days / 200 days
Momentum
-19.11%
12-Months-Change
Fundamentals
Return on Equity
15.78%
Trailing 12-Months
Asset Growth
10.00%
Trailing 12-Months
Company Description
Primis Financial
Primis Financial Corp. operates as the bank holding company for Primis Bank that provides a range of financial services to individuals and small and medium sized businesses in the United States. Its deposit products include checking, NOW, savings, and money market accounts, as well as certificates of deposits. The company also offers commercial business and real estate, construction, secured asset based, small business administration, mortgage warehouse lending products, as well as financing for medical, dental, and veterinary businesses; residential mortgage, trust mortgage, home equity lines of credit, secured and unsecured personal, and consumer loans, as well as life insurance premium financing and demand loans. It also offers cash management services comprising investment/sweep, zero balance, and controlled disbursement accounts; and wire transfer, employer/payroll processing, night depository, depository transfer, merchant, ACH origination, and remote deposit capture services. In addition, the company provides debit cards, ATM services, notary services, and mobile and online banking. As of December 31, 2021, it operated forty full-service branches in Virginia and Maryland. The company was formerly known as Southern National Bancorp of Virginia, Inc. and changed its name to Primis Financial Corp. Primis Financial Corp. was founded in 2004 and is based in McLean, Virginia.
FRST Company Deck
FRST Earnings Call
Q4 2026
0:00 / 0:00
Earnings Call Sentiment|Positive
The call presents a fundamentally positive trajectory: margin expansion, strong deposit acquisition (including a meaningful increase in noninterest-bearing deposits), accelerating mortgage and warehouse businesses, and disciplined expense guidance underpin management's 1% ROA target for 2026. However, Q4 included one-time gains and restructure noise that inflate the quarter-over-quarter picture, provisions and special-mention loans warrant monitoring, and Q1 seasonality presents near-term risk. Overall, the positives around recurring margin improvement, deposit franchise strengthening, and scalable mortgage/warehouse growth outweigh the near-term noise and watch-list items.View all FRST earnings summariesTechnical Analysis
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Ownership Overview
3.25% Insiders
16.84% Mutual Funds
33.48% Other Institutional Investors
36.50% Public Companies and
Individual Investors
Options Prices
Currently, No data available
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