PRIMIS FINANCIAL CORP (FRST) Stock Fundamental Analysis

NASDAQ:FRST • US74167B1098

13.28 USD
-0.32 (-2.35%)
Last: Feb 27, 2026, 02:01 PM
Overview Stock Chart Technical Analysis Fundamental Analysis Analyst Ratings Earnings Estimates Financials Ownership News
Fundamental Rating

4

Overall FRST gets a fundamental rating of 4 out of 10. We evaluated FRST against 379 industry peers in the Banks industry. FRST may be in some trouble as it scores bad on both profitability and health. FRST is not overvalued while it is showing excellent growth. This is an interesting combination.


Dividend Valuation Growth Profitability Health

2

1. Profitability

1.1 Basic Checks

  • FRST had positive earnings in the past year.
  • FRST had a negative 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.
  • FRST had a positive operating cash flow in 4 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 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 20M 40M 60M

1.2 Ratios

  • The Return On Assets of FRST (0.22%) is worse than 86.81% of its industry peers.
  • FRST has a worse Return On Equity (2.24%) than 86.28% of its industry peers.
Industry RankSector Rank
ROA 0.22%
ROE 2.24%
ROIC N/A
ROA(3y)0.29%
ROA(5y)0.46%
ROE(3y)2.61%
ROE(5y)3.99%
ROIC(3y)N/A
ROIC(5y)N/A
FRST Yearly ROA, ROE, ROICFRST Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 5 10

1.3 Margins

  • Looking at the Profit Margin, with a value of 4.72%, FRST is doing worse than 88.39% of the companies in the same industry.
  • In the last couple of years the Profit Margin of FRST has grown nicely.
  • 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) 4.72%
GM N/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y24.96%
PM growth 5Y4.61%
GM growth 3YN/A
GM growth 5YN/A
FRST Yearly Profit, Operating, Gross MarginsFRST Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 10 -10 20 30

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ROAROEROICOperating and Profit MarginShow most profitable peers

1

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.
  • The number of shares outstanding for FRST has been increased compared to 5 years ago.
  • FRST has a better debt/assets ratio than last year.
FRST Yearly Shares OutstandingFRST Yearly Shares OutstandingYearly Shares Outstanding 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 5M 10M 15M 20M
FRST Yearly Total Debt VS Total AssetsFRST Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 1B 2B 3B 4B

2.2 Solvency

  • FRST has a Debt/Equity ratio of 0.30. This is a healthy value indicating a solid balance between debt and equity.
  • With a Debt to Equity ratio value of 0.30, FRST is not doing good in the industry: 67.28% of the companies in the same industry are doing better.
Industry RankSector Rank
Debt/Equity 0.3
Debt/FCF N/A
Altman-Z N/A
ROIC/WACCN/A
WACC24.28%
FRST Yearly LT Debt VS Equity VS FCFFRST Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 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 2017 2018 2019 2020 2021 2022 2023 2024 2025 20M 40M 60M

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WACCDebt/EquityHow to determine the health of a companyAltman-Z scoreShow peers with great health

7

3. Growth

3.1 Past

  • The Earnings Per Share has grown by an impressive 6200.00% over the past year.
  • FRST shows a decrease in Earnings Per Share. Measured over the last years, the EPS has been decreasing by -7.69% yearly.
  • Looking at the last year, FRST shows a very strong growth in Revenue. The Revenue has grown by 51.86%.
  • Measured over the past years, FRST shows a quite strong growth in Revenue. The Revenue has been growing by 16.05% on average per year.
EPS 1Y (TTM)6200%
EPS 3Y-2.03%
EPS 5Y-7.69%
EPS Q2Q%115.38%
Revenue 1Y (TTM)51.86%
Revenue growth 3Y21.17%
Revenue growth 5Y16.05%
Sales Q2Q%18.03%

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 86.79% 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 16.23% on average per year.
EPS Next Y142.05%
EPS Next 2Y86.79%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year22.21%
Revenue Next 2Y16.23%
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 stable: in the next years the growth will be about the same than in the last years.
FRST Yearly Revenue VS EstimatesFRST Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 50M 100M 150M 200M
FRST Yearly EPS VS EstimatesFRST Yearly EPS VS EstimatesYearly EPS VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 0.5 1 1.5 2

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Find the best growth stocksShow best growing peers

5

4. Valuation

4.1 Price/Earnings Ratio

  • With a Price/Earnings ratio of 21.08, FRST is valued on the expensive side.
  • 83.38% of the companies in the same industry are cheaper than FRST, based on the Price/Earnings ratio.
  • FRST is valuated rather cheaply when we compare the Price/Earnings ratio to 27.11, which is the current average of the S&P500 Index.
  • Based on the Price/Forward Earnings ratio of 8.71, the valuation of FRST can be described as reasonable.
  • 83.64% 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 28.13.
Industry RankSector Rank
PE 21.08
Fwd PE 8.71
FRST Price Earnings VS Forward Price EarningsFRST Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 5 10 15 20 25

4.2 Price Multiples

Industry RankSector Rank
P/FCF N/A
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.
  • FRST's earnings are expected to grow with 86.79% in the coming years. This may justify a more expensive valuation.
PEG (NY)0.15
PEG (5Y)N/A
EPS Next 2Y86.79%
EPS Next 3YN/A

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Price/EarningsPrice/FCFFCF per shareEV/EBITDAPEG RATIOShow best valued peers

6

5. Dividend

5.1 Amount

  • With a Yearly Dividend Yield of 2.86%, FRST has a reasonable but not impressive dividend return.
  • FRST's Dividend Yield is comparable with the industry average which is at 2.74.
  • Compared to an average S&P500 Dividend Yield of 1.80, FRST pays a better dividend.
Industry RankSector Rank
Dividend Yield 2.86%

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 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
FRST Yearly Dividends per shareFRST Yearly Dividends per shareYearly Dividends per share 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 0 0 0 0 0

5.3 Sustainability

  • 115.32% of the earnings are spent on dividend by FRST. This is not a sustainable payout ratio.
  • FRST's earnings are growing more than its dividend. This makes the dividend growth sustainable.
DP115.32%
EPS Next 2Y86.79%
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 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 20M 40M 60M
FRST Dividend Payout.FRST Dividend Payout, showing the Payout Ratio.FRST Dividend Payout.PayoutRetained Earnings

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Find the best dividend stocksShow peers with best dividend

PRIMIS FINANCIAL CORP

NASDAQ:FRST (2/27/2026, 2:01:03 PM)

13.28

-0.32 (-2.35%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)01-29
Earnings (Next)04-27
Inst Owners75.51%
Inst Owner Change0.81%
Ins Owners3.39%
Ins Owner Change6.69%
Market Cap328.02M
Revenue(TTM)223.78M
Net Income(TTM)8.57M
Analysts87.5
Price Target16.32 (22.89%)
Short Float %1.27%
Short Ratio2.71
Dividend
Industry RankSector Rank
Dividend Yield 2.86%
Yearly Dividend0.4
Dividend Growth(5Y)2.16%
DP115.32%
Div Incr Years0
Div Non Decr Years12
Ex-Date02-13
Surprises & Revisions
EPS beat(2)1
Avg EPS beat(2)-13.23%
Min EPS beat(2)-49.84%
Max EPS beat(2)23.38%
EPS beat(4)1
Avg EPS beat(4)-187.72%
Min EPS beat(4)-679.32%
Max EPS beat(4)23.38%
EPS beat(8)2
Avg EPS beat(8)-106.74%
EPS beat(12)3
Avg EPS beat(12)-81.26%
EPS beat(16)5
Avg EPS beat(16)-62.26%
Revenue beat(2)1
Avg Revenue beat(2)-4.9%
Min Revenue beat(2)-11.6%
Max Revenue beat(2)1.8%
Revenue beat(4)2
Avg Revenue beat(4)-2.55%
Min Revenue beat(4)-11.6%
Max Revenue beat(4)3.43%
Revenue beat(8)3
Avg Revenue beat(8)-2.31%
Revenue beat(12)5
Avg Revenue beat(12)0.79%
Revenue beat(16)9
Avg Revenue beat(16)4.06%
PT rev (1m)5.79%
PT rev (3m)17.43%
EPS NQ rev (1m)0.45%
EPS NQ rev (3m)217.14%
EPS NY rev (1m)-10.85%
EPS NY rev (3m)-6.68%
Revenue NQ rev (1m)-15.78%
Revenue NQ rev (3m)-15.78%
Revenue NY rev (1m)-8.47%
Revenue NY rev (3m)-8.47%
Valuation
Industry RankSector Rank
PE 21.08
Fwd PE 8.71
P/S 1.81
P/FCF N/A
P/OCF N/A
P/B 0.86
P/tB 1.16
EV/EBITDA N/A
EPS(TTM)0.63
EY4.74%
EPS(NY)1.52
Fwd EY11.48%
FCF(TTM)-2.17
FCFYN/A
OCF(TTM)-2.12
OCFYN/A
SpS7.36
BVpS15.47
TBVpS11.44
PEG (NY)0.15
PEG (5Y)N/A
Graham Number14.81
Profitability
Industry RankSector Rank
ROA 0.22%
ROE 2.24%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) 4.72%
GM N/A
FCFM N/A
ROA(3y)0.29%
ROA(5y)0.46%
ROE(3y)2.61%
ROE(5y)3.99%
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 3Y24.96%
PM growth 5Y4.61%
GM growth 3YN/A
GM growth 5YN/A
F-Score7
Asset Turnover0.05
Health
Industry RankSector Rank
Debt/Equity 0.3
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
WACC24.28%
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)6200%
EPS 3Y-2.03%
EPS 5Y-7.69%
EPS Q2Q%115.38%
EPS Next Y142.05%
EPS Next 2Y86.79%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)51.86%
Revenue growth 3Y21.17%
Revenue growth 5Y16.05%
Sales Q2Q%18.03%
Revenue Next Year22.21%
Revenue Next 2Y16.23%
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 1Y-143.73%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y-142.1%
OCF growth 3YN/A
OCF growth 5YN/A

PRIMIS FINANCIAL CORP / FRST FAQ

What is the fundamental rating for FRST stock?

ChartMill assigns a fundamental rating of 4 / 10 to FRST.


What is the valuation status of PRIMIS FINANCIAL CORP (FRST) stock?

ChartMill assigns a valuation rating of 5 / 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 2 / 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 142.05% 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%.