13.58 USD
+0.32 (+2.41%)
13.58 USD
0 (0%)
FRST gets a fundamental rating of 3 out of 10. The analysis compared the fundamentals against 383 industry peers in the Banks industry. FRST may be in some trouble as it scores bad on both profitability and health. FRST is growing strongly while it is still valued neutral. This is a good combination!
1. Profitability
1.1 Basic Checks
- In the past year FRST has reported negative net income.
- In the past year FRST has reported a negative cash flow from operations.
- The reported net income has been mixed in the past 5 years: FRST reported negative net income in multiple years.
- In the past 5 years FRST always reported a positive cash flow from operatings.
1.2 Ratios
- With a Return On Assets value of 0.22%, FRST is not doing good in the industry: 86.68% of the companies in the same industry are doing better.
- FRST has a worse Return On Equity (2.24%) than 86.16% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.22% | ||
| ROE | 2.24% | ||
| 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
1.3 Margins
- FRST has a Profit Margin of 4.72%. This is amonst the worse of the industry: FRST underperforms 87.99% of its industry peers.
- FRST does not have Operating Margin and Gross Margin available, so we won't be analyzing them here.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | N/A | ||
| PM (TTM) | 4.72% | ||
| 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
2. Health
2.1 Basic Checks
- FRST does not have a ROIC to compare to the WACC, probably because it is not profitable.
- Compared to 1 year ago, FRST has about the same amount of shares outstanding.
- Compared to 5 years ago, FRST has more shares outstanding
- FRST has a worse debt/assets ratio than last year.
2.2 Solvency
- A Debt/Equity ratio of 0.30 indicates that FRST is not too dependend on debt financing.
- FRST has a Debt to Equity ratio of 0.30. This is in the lower half of the industry: FRST underperforms 68.41% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.3 | ||
| Debt/FCF | N/A | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC24.48%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
- FRST shows a strong negative growth in Earnings Per Share. In the last year the EPS decreased by -111.88%.
- FRST shows a very negative growth in Earnings Per Share. Measured over the last years, the EPS has been decreasing by -63.19% yearly.
- Looking at the last year, FRST shows a very strong growth in Revenue. The Revenue has grown by 28.91%.
- 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)-111.88%
EPS 3Y-80.05%
EPS 5Y-63.19%
EPS Q2Q%250%
Revenue 1Y (TTM)28.91%
Revenue growth 3Y11.85%
Revenue growth 5Y9.18%
Sales Q2Q%3.6%
3.2 Future
- The Earnings Per Share is expected to grow by 476.30% on average over the next years. This is a very strong growth
- The Revenue is expected to grow by 22.25% on average over the next years. This is a very strong growth
EPS Next Y19178%
EPS Next 2Y1207.88%
EPS Next 3Y476.3%
EPS Next 5YN/A
Revenue Next Year5.32%
Revenue Next 2Y19.27%
Revenue Next 3Y22.25%
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.
- The Revenue growth rate is accelerating: in the next years the growth will be better than in the last years.
4. Valuation
4.1 Price/Earnings Ratio
- FRST reported negative earnings for the last year, which makes the Price/Earnings Ratio negative.
- With a Price/Forward Earnings ratio of 7.94, the valuation of FRST can be described as very cheap.
- 91.12% of the companies in the same industry are more expensive than FRST, based on the Price/Forward Earnings ratio.
- FRST's Price/Forward Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 25.72.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | N/A | ||
| Fwd PE | 7.94 |
4.2 Price Multiples
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | N/A | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
- The low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.
- A more expensive valuation may be justified as FRST's earnings are expected to grow with 476.30% in the coming years.
PEG (NY)N/A
PEG (5Y)N/A
EPS Next 2Y1207.88%
EPS Next 3Y476.3%
5. Dividend
5.1 Amount
- FRST has a Yearly Dividend Yield of 2.83%. Purely for dividend investing, there may be better candidates out there.
- Compared to an average industry Dividend Yield of 2.65, FRST has a dividend in line with its industry peers.
- FRST's Dividend Yield is rather good when compared to the S&P500 average which is at 1.82.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 2.83% |
5.2 History
- The dividend of FRST has a limited annual growth rate of 2.16%.
- FRST has been paying a dividend for at least 10 years, so it has a reliable track record.
- FRST has not decreased their dividend for at least 10 years, which is a reliable track record.
Dividend Growth(5Y)2.16%
Div Incr Years0
Div Non Decr Years12
5.3 Sustainability
- FRST pays out 115.32% of its income as dividend. This is not a sustainable payout ratio.
- The dividend of FRST is growing, but earnings are growing more, so the dividend growth is sustainable.
DP115.32%
EPS Next 2Y1207.88%
EPS Next 3Y476.3%
PRIMIS FINANCIAL CORP / FRST FAQ
What is the fundamental rating for FRST stock?
ChartMill assigns a fundamental rating of 3 / 10 to FRST.
What is the valuation status of PRIMIS FINANCIAL CORP (FRST) stock?
ChartMill assigns a valuation rating of 4 / 10 to PRIMIS FINANCIAL CORP (FRST). This can be considered as Fairly Valued.
Can you provide the profitability details for PRIMIS FINANCIAL CORP?
PRIMIS FINANCIAL CORP (FRST) has a profitability rating of 1 / 10.
What is the expected EPS growth for PRIMIS FINANCIAL CORP (FRST) stock?
The Earnings per Share (EPS) of PRIMIS FINANCIAL CORP (FRST) is expected to grow by 19178% in the next year.
How sustainable is the dividend of PRIMIS FINANCIAL CORP (FRST) stock?
The dividend rating of PRIMIS FINANCIAL CORP (FRST) is 6 / 10 and the dividend payout ratio is 115.32%.