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PRIMIS FINANCIAL CORP (FRST) Stock Fundamental Analysis

NASDAQ:FRST - Nasdaq - US74167B1098 - Common Stock - Currency: USD

11.16  +0.14 (+1.27%)

After market: 11.16 0 (0%)

Fundamental Rating

3

Overall FRST gets a fundamental rating of 3 out of 10. We evaluated FRST against 392 industry peers in the Banks industry. Both the profitability and financial health of FRST have multiple concerns. FRST is not valued too expensively and it also shows a decent growth rate.


Dividend Valuation Growth Profitability Health

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1

1. Profitability

1.1 Basic Checks

FRST had negative earnings in the past year.
In the past year FRST had a positive cash flow from operations.
The reported net income has been mixed in the past 5 years: FRST reported negative net income in multiple years.
FRST had a positive operating cash flow in each of the past 5 years.
FRST Yearly Net Income VS EBIT VS OCF VS FCFFRST Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 10M -10M 20M 30M 40M

1.2 Ratios

FRST has a worse Return On Assets (0.11%) than 88.27% of its industry peers.
Looking at the Return On Equity, with a value of 1.06%, FRST is doing worse than 88.27% of the companies in the same industry.
Industry RankSector Rank
ROA 0.11%
ROE 1.06%
ROIC N/A
ROA(3y)-0.05%
ROA(5y)0.3%
ROE(3y)-0.73%
ROE(5y)2.27%
ROIC(3y)N/A
ROIC(5y)N/A
FRST Yearly ROA, ROE, ROICFRST Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 5

1.3 Margins

FRST's Profit Margin of 2.33% is on the low side compared to the rest of the industry. FRST is outperformed by 88.52% of its industry peers.
The Operating Margin and Gross Margin are not available for FRST so they could not be analyzed.
Industry RankSector Rank
OM N/A
PM (TTM) 2.33%
GM N/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3YN/A
PM growth 5YN/A
GM growth 3YN/A
GM growth 5YN/A
FRST Yearly Profit, Operating, Gross MarginsFRST Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 10 -10 20 30

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2

2. Health

2.1 Basic Checks

FRST does not have a ROIC to compare to the WACC, probably because it is not profitable.
FRST has about the same amout of shares outstanding than it did 1 year ago.
FRST has more shares outstanding than it did 5 years ago.
Compared to 1 year ago, FRST has a worse debt to assets ratio.
FRST Yearly Shares OutstandingFRST Yearly Shares OutstandingYearly Shares Outstanding 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 5M 10M 15M 20M
FRST Yearly Total Debt VS Total AssetsFRST Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 1B 2B 3B

2.2 Solvency

FRST has a debt to FCF ratio of 2.17. This is a good value and a sign of high solvency as FRST would need 2.17 years to pay back of all of its debts.
FRST has a Debt to FCF ratio of 2.17. This is comparable to the rest of the industry: FRST outperforms 46.43% of its industry peers.
FRST has a Debt/Equity ratio of 0.31. This is a healthy value indicating a solid balance between debt and equity.
With a Debt to Equity ratio value of 0.31, FRST is not doing good in the industry: 70.66% of the companies in the same industry are doing better.
Although FRST does not score too well on debt/equity it has very limited outstanding debt, which is well covered by the FCF. We will not put too much weight on the debt/equity number as it may be because of low equity, which could be a consequence of a share buyback program for instance. This needs to be investigated.
Industry RankSector Rank
Debt/Equity 0.31
Debt/FCF 2.17
Altman-Z N/A
ROIC/WACCN/A
WACC26.76%
FRST Yearly LT Debt VS Equity VS FCFFRST Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 100M 200M 300M 400M

2.3 Liquidity

Industry RankSector Rank
Current Ratio N/A
Quick Ratio N/A
FRST Yearly Current Assets VS Current LiabilitesFRST Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2015 2017 2018 2019 2020 2021 2022 2023 2024 5M 10M 15M 20M

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6

3. Growth

3.1 Past

FRST shows a strong negative growth in Earnings Per Share. In the last year the EPS decreased by -125.60%.
Measured over the past years, FRST shows a very negative growth in Earnings Per Share. The EPS has been decreasing by -63.19% on average per year.
The Revenue has been growing slightly by 2.36% in the past year.
Measured over the past years, FRST shows a quite strong growth in Revenue. The Revenue has been growing by 9.18% on average per year.
EPS 1Y (TTM)-125.6%
EPS 3Y-80.05%
EPS 5Y-63.19%
EPS Q2Q%-65.62%
Revenue 1Y (TTM)2.36%
Revenue growth 3Y11.85%
Revenue growth 5Y9.18%
Sales Q2Q%-7.74%

3.2 Future

Based on estimates for the next years, FRST will show a very strong growth in Earnings Per Share. The EPS will grow by 1181.48% on average per year.
The Revenue is expected to grow by 19.50% on average over the next years. This is quite good.
EPS Next Y7580.6%
EPS Next 2Y1181.48%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year11.24%
Revenue Next 2Y19.5%
Revenue Next 3YN/A
Revenue Next 5YN/A

3.3 Evolution

The EPS growth rate is accelerating: in the next years the growth will be better than in the last years.
When comparing the Revenue growth rate of the last years to the growth rate of the upcoming years, we see that the growth is accelerating.
FRST Yearly Revenue VS EstimatesFRST Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 50M 100M
FRST Yearly EPS VS EstimatesFRST Yearly EPS VS EstimatesYearly EPS VS Estimates 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 0.5 1 1.5

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6

4. Valuation

4.1 Price/Earnings Ratio

The Price/Earnings Ratio is negative for FRST. In the last year negative earnings were reported.
The Price/Forward Earnings ratio is 6.80, which indicates a rather cheap valuation of FRST.
Based on the Price/Forward Earnings ratio, FRST is valued cheaper than 90.05% of the companies in the same industry.
The average S&P500 Price/Forward Earnings ratio is at 34.04. FRST is valued rather cheaply when compared to this.
Industry RankSector Rank
PE N/A
Fwd PE 6.8
FRST Price Earnings VS Forward Price EarningsFRST Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 0 20 -20

4.2 Price Multiples

Based on the Price/Free Cash Flow ratio, FRST is valued cheaper than 90.56% of the companies in the same industry.
Industry RankSector Rank
P/FCF 5.12
EV/EBITDA N/A
FRST Per share dataFRST EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 0 5 10 15

4.3 Compensation for Growth

FRST's low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.
FRST's earnings are expected to grow with 1181.48% in the coming years. This may justify a more expensive valuation.
PEG (NY)N/A
PEG (5Y)N/A
EPS Next 2Y1181.48%
EPS Next 3YN/A

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6

5. Dividend

5.1 Amount

With a Yearly Dividend Yield of 3.57%, FRST has a reasonable but not impressive dividend return.
Compared to an average industry Dividend Yield of 3.50, FRST pays a bit more dividend than its industry peers.
FRST's Dividend Yield is a higher than the S&P500 average which is at 2.40.
Industry RankSector Rank
Dividend Yield 3.57%

5.2 History

The dividend of FRST has a limited annual growth rate of 2.16%.
FRST has paid a dividend for at least 10 years, which is a reliable track record.
FRST has not decreased its dividend for at least 10 years, so it has a reliable track record of non decreasing dividend.
Dividend Growth(5Y)2.16%
Div Incr Years0
Div Non Decr Years12
FRST Yearly Dividends per shareFRST Yearly Dividends per shareYearly Dividends per share 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 0 0 0 0

5.3 Sustainability

249.36% of the earnings are spent on dividend by FRST. This is not a sustainable payout ratio.
The dividend of FRST is growing, but earnings are growing more, so the dividend growth is sustainable.
DP249.36%
EPS Next 2Y1181.48%
EPS Next 3YN/A
FRST Yearly Income VS Free CF VS DividendFRST Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 10M -10M 20M 30M
FRST Dividend Payout.FRST Dividend Payout, showing the Payout Ratio.FRST Dividend Payout.PayoutRetained Earnings

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PRIMIS FINANCIAL CORP

NASDAQ:FRST (8/8/2025, 8:00:00 PM)

After market: 11.16 0 (0%)

11.16

+0.14 (+1.27%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)07-24 2025-07-24/amc
Earnings (Next)10-22 2025-10-22/amc
Inst Owners75.15%
Inst Owner Change-2.54%
Ins Owners3.11%
Ins Owner Change2.64%
Market Cap274.98M
Analysts87.5
Price Target12.62 (13.08%)
Short Float %0.55%
Short Ratio1.29
Dividend
Industry RankSector Rank
Dividend Yield 3.57%
Yearly Dividend0.4
Dividend Growth(5Y)2.16%
DP249.36%
Div Incr Years0
Div Non Decr Years12
Ex-Date08-08 2025-08-08 (0.1)
Surprises & Revisions
EPS beat(2)0
Avg EPS beat(2)-362.21%
Min EPS beat(2)-679.32%
Max EPS beat(2)-45.1%
EPS beat(4)0
Avg EPS beat(4)-206.43%
Min EPS beat(4)-679.32%
Max EPS beat(4)-19.56%
EPS beat(8)2
Avg EPS beat(8)-104.69%
EPS beat(12)3
Avg EPS beat(12)-80.03%
EPS beat(16)5
Avg EPS beat(16)-58.81%
Revenue beat(2)1
Avg Revenue beat(2)-0.21%
Min Revenue beat(2)-3.85%
Max Revenue beat(2)3.43%
Revenue beat(4)1
Avg Revenue beat(4)-4.32%
Min Revenue beat(4)-9.36%
Max Revenue beat(4)3.43%
Revenue beat(8)3
Avg Revenue beat(8)-1.08%
Revenue beat(12)6
Avg Revenue beat(12)4.58%
Revenue beat(16)10
Avg Revenue beat(16)6.1%
PT rev (1m)0%
PT rev (3m)3.13%
EPS NQ rev (1m)3.37%
EPS NQ rev (3m)-35.05%
EPS NY rev (1m)-16.47%
EPS NY rev (3m)-44.63%
Revenue NQ rev (1m)0.47%
Revenue NQ rev (3m)-22.76%
Revenue NY rev (1m)-0.98%
Revenue NY rev (3m)-1.32%
Valuation
Industry RankSector Rank
PE N/A
Fwd PE 6.8
P/S 1.61
P/FCF 5.12
P/OCF 5.01
P/B 0.73
P/tB 1
EV/EBITDA N/A
EPS(TTM)-0.32
EYN/A
EPS(NY)1.64
Fwd EY14.72%
FCF(TTM)2.18
FCFY19.53%
OCF(TTM)2.23
OCFY19.96%
SpS6.92
BVpS15.24
TBVpS11.13
PEG (NY)N/A
PEG (5Y)N/A
Profitability
Industry RankSector Rank
ROA 0.11%
ROE 1.06%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) 2.33%
GM N/A
FCFM 31.49%
ROA(3y)-0.05%
ROA(5y)0.3%
ROE(3y)-0.73%
ROE(5y)2.27%
ROIC(3y)N/A
ROIC(5y)N/A
ROICexc(3y)N/A
ROICexc(5y)N/A
ROICexgc(3y)N/A
ROICexgc(5y)N/A
ROCE(3y)N/A
ROCE(5y)N/A
ROICexcg growth 3YN/A
ROICexcg growth 5YN/A
ROICexc growth 3YN/A
ROICexc growth 5YN/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3YN/A
PM growth 5YN/A
GM growth 3YN/A
GM growth 5YN/A
F-Score8
Asset Turnover0.05
Health
Industry RankSector Rank
Debt/Equity 0.31
Debt/FCF 2.17
Debt/EBITDA N/A
Cap/Depr N/A
Cap/Sales N/A
Interest Coverage N/A
Cash Conversion N/A
Profit Quality 1354.2%
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score8
WACC26.76%
ROIC/WACCN/A
Cap/Depr(3y)16.04%
Cap/Depr(5y)22.45%
Cap/Sales(3y)0.98%
Cap/Sales(5y)1.26%
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)-125.6%
EPS 3Y-80.05%
EPS 5Y-63.19%
EPS Q2Q%-65.62%
EPS Next Y7580.6%
EPS Next 2Y1181.48%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)2.36%
Revenue growth 3Y11.85%
Revenue growth 5Y9.18%
Sales Q2Q%-7.74%
Revenue Next Year11.24%
Revenue Next 2Y19.5%
Revenue Next 3YN/A
Revenue Next 5YN/A
EBIT growth 1YN/A
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y2239.2%
FCF growth 3Y-9.65%
FCF growth 5Y-12.46%
OCF growth 1Y5135.6%
OCF growth 3Y-10.59%
OCF growth 5Y-11.88%