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FRSTFRST

$13.795

+0.35
arrow_drop_up2.57%
Current Market·update15 Jan 2026 19:05
Day's Range
13.42-13.89
52-week Range
7.59-14.38

Chart

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Performance

Key Stats

Next Earnings Date2026-01-29
Next Earnings TimeAfter Market Close
Volume28.51K
Average Volume 30d79.19K

AI FRST Summary

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25.5
Valuation (P/E Ratio)
Reasonable for growth sector
📈
0.152
EPS Growth (YoY)
Strong earnings growth
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AI Scoreboard

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Overall Analysis

Neutral
70

Primis Financial Corp. shows a mixed investment profile. Fundamentally, the bank exhibits some strengths in its balance sheet and revenue growth historically, but recent profitability has been negative. Technically, indicators are mixed, suggesting potential for volatility. Thematic exposure is limited for this financial institution.

Weak

Thematic

30

As a regional bank, Primis Financial Corp. has limited direct exposure to major technology or growth themes. Its business model is tied to interest rate environments and regional economic health rather than disruptive technological trends.

Neutral

Fundamental

65

Primis Financial Corp. has a solid balance sheet with a decreasing debt-to-equity ratio. While revenue has shown growth historically, recent periods show negative net income and margins, indicating profitability challenges. The P/S ratio is relatively stable, but the P/E ratio is extremely high due to losses.

Neutral

Technical

55

The stock is trading within its 52-week range, with mixed signals from moving averages and oscillators. The recent price performance is moderately positive, but key technical indicators suggest a lack of strong momentum in either direction.

FactorScore
Artificial Intelligence Adoption10
ESG & Sustainability50
Market Leadership & Dominance30
Innovation Pipeline40
Regulatory Environment40
FactorScore
Valuation30
Valuation50
Profitability10
Profitability70
Growth60
Balance Sheet Health75
Cash Flow20
Cash Flow70
FactorScore
Trend Analysis40
Trend Analysis70
Momentum50
Volume Confirmation50
Support & Resistance60
Performance70
Performance30

AI Investing Checklist

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Bullish Points (7)

Valuation chevron_right

Favorable P/E Ratio

The trailing Price-to-Earnings (P/E) ratio of 73.09 is high, but the P/E for 2024 is -17.4 and for 2023 is -36.9, suggesting a potential turnaround or significant growth expectations. The P/E for 2022 was 20.4, which was more reasonable.

Performance chevron_right

Positive Short-Term Performance

The stock has shown positive performance over the last 1 month (8.79%) and year-to-date (4.34%), indicating recent investor interest and positive momentum.

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Bearish Points (7)

Valuation chevron_right

High Trailing P/E Ratio

The trailing Price-to-Earnings (P/E) ratio of 73.09 is very high, and the P/E for the last twelve months (TTM) is 546.6, indicating a potentially overvalued stock based on current earnings.

Profitability chevron_right

Recent Net Losses

The company reported net losses in 2023 (-$7,832,000) and 2024 (-$16,205,000), with a significant net loss in Q4 2024 (-$23,335,000), raising concerns about current profitability.

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Calendar

May 2025

14

Ex-Dividend Date

May 2025

28

Next Dividend Date

October 2025

24

Next Earnings Date

EPS Est.
Revenue Est.

H: $0.18

A: $0.18

L: $0.18

H: 30.04M

A: 30.04M

L: 30.04M

Profile

Employees (FY)592
ISIN-
FIGI-

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, employer services/payroll processing services, zero balance accounts, night depository services, depository transfers, merchant services, ACH originations, business debit cards, controlled disbursement accounts, and remote deposit capture services. It also provides commercial lending products, such as loans consist of lines of credit, revolving credit facilities, demand loans, term loans, equipment loans, SBA loans, stand-by letters of credit, and unsecured loans; loans for permanent financing; construction loans for commercial, multi-family, assisted living and other non-residential properties, and builder/developer lines; second asset based lending; SBA lending; financing for medical, dental, and veterinary businesses; and warehouse lending lines of credit to residential mortgage originators. In addition, the company provides consumer lending products comprising residential mortgage, home equity lines of credit, secured and unsecured personal loans, life insurance premium financing, and Panacea consumer loans. Further, it offers debit cards, ATM services, notary services, and mobile and online banking. 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 headquartered in McLean, Virginia.

Seasonals

2025
2024
2023
2022
2021

Price Target

13.38 USD

The 39 analysts offering 1 year price forecasts for FRST have a max estimate of 14.00 and a min estimate of 12.75.

Debt Level and Coverage

Debt
Free cash flow
Cash & equivalents

Financial Position Analysis

Assets
Liabilities

Ownership

Free Float shares
20.4M (82.42%)
Closely held shares
4.35M (17.58%)
24.7M
Free Float shares
20.4M (82.42%)
Closely held shares
4.35M (17.58%)

Capital Structure

Market cap
289.13M
Debt
124.64M
Minority interest
0.00
Cash & equivalents
64.5M
Enterprise value
349.27M

Valuation - Summary

Market Cap
289M
Net income
529K(0.18%)
Revenue
135M(46.62%)
289M
Market Cap
289M
Net income
529K(0.18%)
Revenue
135M(46.62%)
Price to earning ratio (P/E)546.60x
Price to sales ratio (P/S)2.10x

Valuation - Ratios

P/E
P/S

Revenue to Profit Conversion

Revenue
147.36M
COGS
147.36M
Gross Profit
0.00
OpEx
0.00
Operating Income
0.00
Other & Taxes
16.2M
Net Income
-16.2M

Balance Sheet

Total assets
Total liabilities
Liabilities to assets %

Income Statement

Revenue
Net Income
Net Margin

Cash Flow

Operating Cash Flow
Investing Cash Flow
Financing Cash Flow
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