PRIMIS FINANCIAL CORP (FRST) Stock Fundamental Analysis
USA - NASDAQ:FRST - US74167B1098 - Common Stock
10.82 USD
+0.05 (+0.46%)
10.82 USD
0 (0%)
We assign a fundamental rating of 3 out of 10 to FRST. FRST was compared to 388 industry peers in the Banks industry. FRST has a bad profitability rating. Also its financial health evaluation is rather negative. FRST is showing excellent growth while it is valued at reasonable prices. Keep and eye on this one!
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.
In multiple years FRST reported negative net income over the last 5 years.
In the past 5 years FRST always reported a positive cash flow from operatings.
1.2 Ratios
FRST has a worse Return On Assets (0.08%) than 88.21% of its industry peers.
The Return On Equity of FRST (0.79%) is worse than 88.21% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.08% | ||
| ROE | 0.79% | ||
| 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's Profit Margin of 1.67% is on the low side compared to the rest of the industry. FRST is outperformed by 88.46% of its industry peers.
The Operating Margin and Gross Margin are not available for FRST so they could not be analyzed.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | N/A | ||
| PM (TTM) | 1.67% | ||
| 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.
The number of shares outstanding for FRST has been increased compared to 5 years ago.
The debt/assets ratio for FRST is higher compared to a year ago.
2.2 Solvency
A Debt/Equity ratio of 0.31 indicates that FRST is not too dependend on debt financing.
The Debt to Equity ratio of FRST (0.31) is worse than 68.72% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.31 | ||
| Debt/FCF | N/A | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC27.06%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
The earnings per share for FRST have decreased strongly by -111.88% in the last year.
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.
FRST shows a strong growth in Revenue. In the last year, 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
Based on estimates for the next years, FRST will show a very strong growth in Earnings Per Share. The EPS will grow by 484.03% on average per year.
Based on estimates for the next years, FRST will show a very strong growth in Revenue. The Revenue will grow by 22.25% on average per year.
EPS Next Y3000.8%
EPS Next 2Y1178.3%
EPS Next 3Y484.03%
EPS Next 5YN/A
Revenue Next Year5.02%
Revenue Next 2Y19.27%
Revenue Next 3Y22.25%
Revenue Next 5YN/A
3.3 Evolution
When comparing the EPS growth rate of the last years to the growth rate of the upcoming years, we see that the growth is accelerating.
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.
4. Valuation
4.1 Price/Earnings Ratio
The Price/Earnings Ratio is negative for FRST. In the last year negative earnings were reported.
Based on the Price/Forward Earnings ratio of 6.62, the valuation of FRST can be described as very cheap.
93.08% of the companies in the same industry are more expensive than FRST, based on the Price/Forward Earnings ratio.
Compared to an average S&P500 Price/Forward Earnings ratio of 32.73, FRST is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | N/A | ||
| Fwd PE | 6.62 |
4.2 Price Multiples
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | N/A | ||
| EV/EBITDA | N/A |
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.
A more expensive valuation may be justified as FRST's earnings are expected to grow with 484.03% in the coming years.
PEG (NY)N/A
PEG (5Y)N/A
EPS Next 2Y1178.3%
EPS Next 3Y484.03%
5. Dividend
5.1 Amount
FRST has a Yearly Dividend Yield of 3.71%.
Compared to an average industry Dividend Yield of 3.38, FRST pays a bit more dividend than its industry peers.
FRST's Dividend Yield is rather good when compared to the S&P500 average which is at 2.37.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 3.71% |
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 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
5.3 Sustainability
FRST pays out 333.45% 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.
DP333.45%
EPS Next 2Y1178.3%
EPS Next 3Y484.03%
10.82
+0.05 (+0.46%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners75.52%
Inst Owner Change-0.01%
Ins Owners3.14%
Ins Owner Change0.83%
Market Cap266.60M
Revenue(TTM)181.69M
Net Income(TTM)2.97M
Analysts87.5
Price Target13.9 (28.47%)
Short Float %0.9%
Short Ratio2.52
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 3.71% |
Yearly Dividend0.4
Dividend Growth(5Y)2.16%
DP333.45%
Div Incr Years0
Div Non Decr Years12
Ex-Date
Surprises & Revisions
EPS beat(2)0
Avg EPS beat(2)-47.47%
Min EPS beat(2)-49.84%
Max EPS beat(2)-45.1%
EPS beat(4)0
Avg EPS beat(4)-214%
Min EPS beat(4)-679.32%
Max EPS beat(4)-45.1%
EPS beat(8)2
Avg EPS beat(8)-100.38%
EPS beat(12)2
Avg EPS beat(12)-85.19%
EPS beat(16)4
Avg EPS beat(16)-65.58%
Revenue beat(2)0
Avg Revenue beat(2)-7.72%
Min Revenue beat(2)-11.6%
Max Revenue beat(2)-3.85%
Revenue beat(4)1
Avg Revenue beat(4)-5.34%
Min Revenue beat(4)-11.6%
Max Revenue beat(4)3.43%
Revenue beat(8)3
Avg Revenue beat(8)-1.98%
Revenue beat(12)5
Avg Revenue beat(12)2.69%
Revenue beat(16)9
Avg Revenue beat(16)4.77%
PT rev (1m)0%
PT rev (3m)10.1%
EPS NQ rev (1m)0%
EPS NQ rev (3m)12.37%
EPS NY rev (1m)0%
EPS NY rev (3m)-59.63%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)-5.27%
Revenue NY rev (1m)0%
Revenue NY rev (3m)-5.59%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | N/A | ||
| Fwd PE | 6.62 | ||
| P/S | 1.5 | ||
| P/FCF | N/A | ||
| P/OCF | N/A | ||
| P/B | 0.71 | ||
| P/tB | 0.97 | ||
| EV/EBITDA | N/A |
EPS(TTM)-0.12
EYN/A
EPS(NY)1.63
Fwd EY15.1%
FCF(TTM)-1.54
FCFYN/A
OCF(TTM)-1.49
OCFYN/A
SpS7.22
BVpS15.28
TBVpS11.21
PEG (NY)N/A
PEG (5Y)N/A
Graham NumberN/A
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.08% | ||
| ROE | 0.79% | ||
| ROCE | N/A | ||
| ROIC | N/A | ||
| ROICexc | N/A | ||
| ROICexgc | N/A | ||
| OM | N/A | ||
| PM (TTM) | 1.67% | ||
| GM | N/A | ||
| FCFM | 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
ROICexc(3y)N/A
ROICexc(5y)N/A
ROICexgc(3y)N/A
ROICexgc(5y)N/A
ROCE(3y)N/A
ROCE(5y)N/A
ROICexgc growth 3YN/A
ROICexgc 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-Score7
Asset Turnover0.05
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.31 | ||
| Debt/FCF | N/A | ||
| Debt/EBITDA | N/A | ||
| Cap/Depr | N/A | ||
| Cap/Sales | N/A | ||
| Interest Coverage | N/A | ||
| Cash Conversion | N/A | ||
| Profit Quality | N/A | ||
| Current Ratio | N/A | ||
| Quick Ratio | N/A | ||
| Altman-Z | N/A |
F-Score7
WACC27.06%
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)-111.88%
EPS 3Y-80.05%
EPS 5Y-63.19%
EPS Q2Q%250%
EPS Next Y3000.8%
EPS Next 2Y1178.3%
EPS Next 3Y484.03%
EPS Next 5YN/A
Revenue 1Y (TTM)28.91%
Revenue growth 3Y11.85%
Revenue growth 5Y9.18%
Sales Q2Q%3.6%
Revenue Next Year5.02%
Revenue Next 2Y19.27%
Revenue Next 3Y22.25%
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 1Y-5.63%
FCF growth 3Y-9.65%
FCF growth 5Y-12.46%
OCF growth 1Y-7.96%
OCF growth 3Y-10.59%
OCF growth 5Y-11.88%
PRIMIS FINANCIAL CORP / FRST FAQ
What is the fundamental rating for FRST stock?
ChartMill assigns a fundamental rating of 3 / 10 to FRST.
Can you provide the valuation status for PRIMIS FINANCIAL CORP?
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.
Can you provide the financial health for FRST stock?
The financial health rating of PRIMIS FINANCIAL CORP (FRST) is 1 / 10.
Can you provide the dividend sustainability for FRST stock?
The dividend rating of PRIMIS FINANCIAL CORP (FRST) is 6 / 10 and the dividend payout ratio is 333.45%.