PRIMIS FINANCIAL CORP (FRST) Fundamental Analysis & Valuation

NASDAQ:FRST • US74167B1098

12.92 USD
-0.07 (-0.54%)
At close: Mar 9, 2026
12.92 USD
0 (0%)
After Hours: 3/9/2026, 4:30:01 PM
Overview Stock Chart Technical Analysis Fundamental Analysis Forecast Earnings Financials Ownership News

This FRST fundamental analysis includes valuation metrics, fair value assessment, financial health analysis, profitability trends, growth metrics and dividend sustainability analysis.

Fundamental Rating

4

Overall FRST gets a fundamental rating of 4 out of 10. We evaluated FRST against 381 industry peers in the Banks industry. Both the profitability and financial health of FRST have multiple concerns. FRST is growing strongly while it is still valued neutral. This is a good combination!


Dividend Valuation Growth Profitability Health

2

1. FRST Profitability Analysis

1.1 Basic Checks

  • FRST had positive earnings in the past year.
  • 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.
  • 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

  • Looking at the Return On Assets, with a value of 0.22%, FRST is doing worse than 88.19% of the companies in the same industry.
  • With a Return On Equity value of 2.24%, FRST is not doing good in the industry: 87.66% of the companies in the same industry are doing better.
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

  • FRST's Profit Margin of 4.72% is on the low side compared to the rest of the industry. FRST is outperformed by 89.76% of its industry peers.
  • In the last couple of years the Profit Margin of FRST has grown nicely.
  • FRST does not have Operating Margin and Gross Margin available, so we won't be analyzing them here.
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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1

2. FRST Health Analysis

2.1 Basic Checks

  • FRST does not have a ROIC to compare to the WACC, probably because it is not profitable.
  • The number of shares outstanding for FRST remains at a similar level compared to 1 year ago.
  • Compared to 5 years ago, FRST has more shares outstanding
  • Compared to 1 year ago, FRST has an improved debt to assets ratio.
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: 66.93% 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
WACC24.93%
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. FRST Growth Analysis

3.1 Past

  • The Earnings Per Share has grown by an impressive 6200.00% over the past year.
  • Measured over the past years, FRST shows a decrease in Earnings Per Share. The EPS has been decreasing by -7.69% on average per year.
  • The Revenue has grown by 51.86% in the past year. This is a very strong growth!
  • FRST shows quite a strong growth in Revenue. Measured over the last years, the Revenue has been growing by 16.05% yearly.
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.
  • FRST is expected to show quite a strong growth in Revenue. In the coming years, the Revenue will grow by 16.23% yearly.
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

  • 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 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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5

4. FRST Valuation Analysis

4.1 Price/Earnings Ratio

  • A Price/Earnings ratio of 20.51 indicates a rather expensive valuation of FRST.
  • Based on the Price/Earnings ratio, FRST is valued more expensive than 83.73% of the companies in the same industry.
  • When comparing the Price/Earnings ratio of FRST to the average of the S&P500 Index (26.46), we can say FRST is valued slightly cheaper.
  • FRST is valuated reasonably with a Price/Forward Earnings ratio of 8.47.
  • Based on the Price/Forward Earnings ratio, FRST is valued cheaper than 82.41% of the companies in the same industry.
  • FRST's Price/Forward Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 24.65.
Industry RankSector Rank
PE 20.51
Fwd PE 8.47
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

  • 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 86.79% in the coming years.
PEG (NY)0.14
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. FRST Dividend Analysis

5.1 Amount

  • FRST has a Yearly Dividend Yield of 3.04%.
  • Compared to an average industry Dividend Yield of 2.86, 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 RankSector Rank
Dividend Yield 3.04%

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
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.
  • The dividend of FRST is growing, but earnings are growing more, so the dividend growth is 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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FRST Fundamentals: All Metrics, Ratios and Statistics

PRIMIS FINANCIAL CORP

NASDAQ:FRST (3/9/2026, 4:30:01 PM)

After market: 12.92 0 (0%)

12.92

-0.07 (-0.54%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)01-29
Earnings (Next)04-27
Inst Owners76.14%
Inst Owner Change0.81%
Ins Owners3.41%
Ins Owner Change13.57%
Market Cap319.12M
Revenue(TTM)223.78M
Net Income(TTM)8.57M
Analysts85.71
Price Target16.32 (26.32%)
Short Float %1.02%
Short Ratio2.19
Dividend
Industry RankSector Rank
Dividend Yield 3.04%
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)0%
PT rev (3m)17.43%
EPS NQ rev (1m)0%
EPS NQ rev (3m)217.14%
EPS NY rev (1m)0%
EPS NY rev (3m)-6.68%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)-15.78%
Revenue NY rev (1m)0%
Revenue NY rev (3m)-8.47%
Valuation
Industry RankSector Rank
PE 20.51
Fwd PE 8.47
P/S 1.76
P/FCF N/A
P/OCF N/A
P/B 0.84
P/tB 1.13
EV/EBITDA N/A
EPS(TTM)0.63
EY4.88%
EPS(NY)1.52
Fwd EY11.8%
FCF(TTM)-2.17
FCFYN/A
OCF(TTM)-2.12
OCFYN/A
SpS7.36
BVpS15.47
TBVpS11.44
PEG (NY)0.14
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
WACC24.93%
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%.