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PRIMIS FINANCIAL CORP (FRST) Stock Fundamental Analysis

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

8.76  -0.16 (-1.79%)

After market: 8.76 0 (0%)

Fundamental Rating

4

FRST gets a fundamental rating of 4 out of 10. The analysis compared the fundamentals against 397 industry peers in the Banks industry. FRST may be in some trouble as it scores bad on both profitability and health. FRST is not valued too expensively and it also shows a decent growth rate. FRST also has an excellent dividend rating.


Dividend Valuation Growth Profitability Health

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1

1. Profitability

1.1 Basic Checks

FRST had negative earnings in the past year.
FRST had a positive operating cash flow in the past year.
The reported net income has been mixed in the past 5 years: FRST reported negative net income in multiple years.
Of the past 5 years FRST 4 years had a positive operating cash flow.
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 20M 30M 40M

1.2 Ratios

Looking at the Return On Assets, with a value of -0.07%, FRST is doing worse than 90.43% of the companies in the same industry.
FRST has a worse Return On Equity (-0.76%) than 90.43% of its industry peers.
Industry RankSector Rank
ROA -0.07%
ROE -0.76%
ROIC N/A
ROA(3y)0.03%
ROA(5y)0.35%
ROE(3y)0.11%
ROE(5y)2.78%
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 2 -2 4 6 8

1.3 Margins

FRST does not have Profit Margin and Operating Margin and Gross Margin available, so we won't be analyzing them here.
Industry RankSector Rank
OM N/A
PM (TTM) N/A
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 20 30

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3

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.
Compared to 5 years ago, FRST has more shares outstanding
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 0.95. This is a very positive value and a sign of high solvency as it would only need 0.95 years to pay back of all of its debts.
The Debt to FCF ratio of FRST (0.95) is better than 74.31% of its industry peers.
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 69.27% of its industry peers.
Even though the debt/equity ratio score it not favorable for FRST, it has very limited outstanding debt, so we won't put too much weight on the DE evaluation.
Industry RankSector Rank
Debt/Equity 0.31
Debt/FCF 0.95
Altman-Z N/A
ROIC/WACCN/A
WACC19.38%
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

The earnings per share for FRST have decreased strongly by -111.34% in the last year.
FRST shows a very negative growth in Earnings Per Share. Measured over the last years, the EPS has been decreasing by -63.19% yearly.
FRST shows a small growth in Revenue. In the last year, the Revenue has grown by 2.73%.
The Revenue has been growing by 9.26% on average over the past years. This is quite good.
EPS 1Y (TTM)-111.34%
EPS 3Y-80.05%
EPS 5Y-63.19%
EPS Q2Q%-46.15%
Revenue 1Y (TTM)2.73%
Revenue growth 3Y11.99%
Revenue growth 5Y9.26%
Sales Q2Q%20.45%

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 1216.81% on average per year.
Based on estimates for the next years, FRST will show a quite strong growth in Revenue. The Revenue will grow by 12.79% on average per year.
EPS Next Y13772%
EPS Next 2Y1216.81%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year12.73%
Revenue Next 2Y12.79%
Revenue Next 3YN/A
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.
The Revenue growth rate is accelerating: in the next years the growth will be better than in the last years.
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 5.05, which indicates a rather cheap valuation of FRST.
Based on the Price/Forward Earnings ratio, FRST is valued cheaply inside the industry as 95.72% of the companies are valued more expensively.
FRST's Price/Forward Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 20.42.
Industry RankSector Rank
PE N/A
Fwd PE 5.05
FRST Price Earnings VS Forward Price EarningsFRST Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 0 20 -20 -40 -60

4.2 Price Multiples

Based on the Price/Free Cash Flow ratio, FRST is valued cheaply inside the industry as 99.24% of the companies are valued more expensively.
Industry RankSector Rank
P/FCF 1.76
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

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 1216.81% in the coming years.
PEG (NY)N/A
PEG (5Y)N/A
EPS Next 2Y1216.81%
EPS Next 3YN/A

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7

5. Dividend

5.1 Amount

FRST has a Yearly Dividend Yield of 4.44%, which is a nice return.
In the last 3 months the price of FRST has falen by -21.36%. A price decline artificially increases the dividend yield. It may be a sign investors do not expect the dividend to last.
Compared to an average industry Dividend Yield of 3.49, 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 2.43.
Industry RankSector Rank
Dividend Yield 4.44%

5.2 History

The dividend of FRST has a limited annual growth rate of 4.53%.
FRST has paid a dividend for at least 10 years, which is a reliable track record.
FRST has not decreased their dividend for at least 10 years, which is a reliable track record.
Dividend Growth(5Y)4.53%
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

The earnings of FRST are negative and hence is the payout ratio. FRST will probably not be able to sustain this dividend level.
The dividend of FRST is growing, but earnings are growing more, so the dividend growth is sustainable.
DP-340.83%
EPS Next 2Y1216.81%
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 20M 30M

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PRIMIS FINANCIAL CORP

NASDAQ:FRST (5/6/2025, 8:11:11 PM)

After market: 8.76 0 (0%)

8.76

-0.16 (-1.79%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)04-29 2025-04-29/amc
Earnings (Next)07-23 2025-07-23/amc
Inst Owners75.19%
Inst Owner Change0.06%
Ins Owners3.46%
Ins Owner Change3.14%
Market Cap216.55M
Analysts87.5
Price Target12.24 (39.73%)
Short Float %0.71%
Short Ratio1.45
Dividend
Industry RankSector Rank
Dividend Yield 4.44%
Yearly Dividend0.4
Dividend Growth(5Y)4.53%
DP-340.83%
Div Incr Years0
Div Non Decr Years12
Ex-Date05-14 2025-05-14 (0.1)
Surprises & Revisions
EPS beat(2)0
Avg EPS beat(2)-50.66%
Min EPS beat(2)-81.76%
Max EPS beat(2)-19.56%
EPS beat(4)1
Avg EPS beat(4)-25.76%
Min EPS beat(4)-81.76%
Max EPS beat(4)22.55%
EPS beat(8)2
Avg EPS beat(8)-28.03%
EPS beat(12)4
Avg EPS beat(12)-20.44%
EPS beat(16)6
Avg EPS beat(16)-11.97%
Revenue beat(2)0
Avg Revenue beat(2)-8.44%
Min Revenue beat(2)-9.36%
Max Revenue beat(2)-7.52%
Revenue beat(4)1
Avg Revenue beat(4)-2.06%
Min Revenue beat(4)-9.36%
Max Revenue beat(4)9.67%
Revenue beat(8)3
Avg Revenue beat(8)2.47%
Revenue beat(12)7
Avg Revenue beat(12)6.27%
Revenue beat(16)11
Avg Revenue beat(16)8.48%
PT rev (1m)-7.69%
PT rev (3m)-23.2%
EPS NQ rev (1m)0%
EPS NQ rev (3m)0%
EPS NY rev (1m)-3.06%
EPS NY rev (3m)25.93%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)0%
Revenue NY rev (1m)-21.75%
Revenue NY rev (3m)0.25%
Valuation
Industry RankSector Rank
PE N/A
Fwd PE 5.05
P/S 1.54
P/FCF 1.76
P/OCF 1.74
P/B 0.57
P/tB 0.78
EV/EBITDA N/A
EPS(TTM)-0.11
EYN/A
EPS(NY)1.73
Fwd EY19.79%
FCF(TTM)4.96
FCFY56.67%
OCF(TTM)5.04
OCFY57.56%
SpS5.7
BVpS15.41
TBVpS11.25
PEG (NY)N/A
PEG (5Y)N/A
Profitability
Industry RankSector Rank
ROA -0.07%
ROE -0.76%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) N/A
GM N/A
FCFM 87.07%
ROA(3y)0.03%
ROA(5y)0.35%
ROE(3y)0.11%
ROE(5y)2.78%
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-Score3
Asset Turnover0.04
Health
Industry RankSector Rank
Debt/Equity 0.31
Debt/FCF 0.95
Debt/EBITDA N/A
Cap/Depr 21.68%
Cap/Sales 1.37%
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-Score3
WACC19.38%
ROIC/WACCN/A
Cap/Depr(3y)N/A
Cap/Depr(5y)N/A
Cap/Sales(3y)N/A
Cap/Sales(5y)N/A
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)-111.34%
EPS 3Y-80.05%
EPS 5Y-63.19%
EPS Q2Q%-46.15%
EPS Next Y13772%
EPS Next 2Y1216.81%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)2.73%
Revenue growth 3Y11.99%
Revenue growth 5Y9.26%
Sales Q2Q%20.45%
Revenue Next Year12.73%
Revenue Next 2Y12.79%
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 1Y335.4%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y340.48%
OCF growth 3YN/A
OCF growth 5YN/A