FRST Fundamental Analysis - PRIMIS FINANCIAL CORP

Fundamental Rating

Taking everything into account, FRST scores 3 out of 10 in our fundamental rating. FRST was compared to 395 industry peers in the Banks industry. FRST has a bad profitability rating. Also its financial health evaluation is rather negative. FRST has a decent growth rate and is not valued too expensively.

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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 Return On Assets of 0.08%. This is amonst the worse of the industry: FRST underperforms 88.35% of its industry peers.

With a Return On Equity value of 0.79%, FRST is not doing good in the industry: 88.35% of the companies in the same industry are doing better.

		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 has a Profit Margin of 1.67%. This is amonst the worse of the industry: FRST underperforms 88.61% 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

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ROA

ROE

ROIC

Operating and Profit Margin

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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

Compared to 1 year ago, FRST has a worse debt to assets ratio.

2.2 Solvency

FRST has a Debt/Equity ratio of 0.31. This is a healthy value indicating a solid balance between debt and equity.

Looking at the Debt to Equity ratio, with a value of 0.31, FRST is doing worse than 69.37% of the companies in the same industry.

		Industry Rank	Sector Rank
Debt/Equity	0.31
Debt/FCF	N/A
Altman-Z	N/A

ROIC/WACCN/A

WACC26.55%

2.3 Liquidity

		Industry Rank	Sector Rank
Current Ratio	N/A
Quick Ratio	N/A

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WACC

Debt/Equity

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Altman-Z score

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3. Growth

3.1 Past

The earnings per share for FRST have decreased strongly by -125.60% in the last year.

The earnings per share for FRST have been decreasing by -63.19% on average. This is quite bad

Looking at the last year, FRST shows a very strong growth in Revenue. The Revenue has grown by 26.50%.

FRST shows quite a strong growth in Revenue. Measured over the last years, the Revenue has been growing by 9.18% yearly.

EPS 1Y (TTM)-125.6%

EPS 3Y-80.05%

EPS 5Y-63.19%

EPS Q2Q%-65.62%

Revenue 1Y (TTM)26.5%

Revenue growth 3Y11.85%

Revenue growth 5Y9.18%

Sales Q2Q%-7.74%

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 1156.97% 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 18.11% on average per year.

EPS Next Y3000.8%

EPS Next 2Y1156.97%

EPS Next 3YN/A

EPS Next 5YN/A

Revenue Next Year5.32%

Revenue Next 2Y18.11%

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.

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.

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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 7.25, the valuation of FRST can be described as very cheap.

Compared to the rest of the industry, the Price/Forward Earnings ratio of FRST indicates a rather cheap valuation: FRST is cheaper than 90.13% of the companies listed in the same industry.

When comparing the Price/Forward Earnings ratio of FRST to the average of the S&P500 Index (22.76), we can say FRST is valued rather cheaply.

		Industry Rank	Sector Rank
PE	N/A
Fwd PE	7.25

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 1156.97% in the coming years.

PEG (NY)N/A

PEG (5Y)N/A

EPS Next 2Y1156.97%

EPS Next 3YN/A

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5. Dividend

5.1 Amount

With a Yearly Dividend Yield of 3.60%, FRST has a reasonable but not impressive dividend return.

FRST's Dividend Yield is a higher than the industry average which is at 3.17.

FRST's Dividend Yield is rather good when compared to the S&P500 average which is at 2.32.

		Industry Rank	Sector Rank
Dividend Yield	3.6%

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

5.3 Sustainability

FRST pays out 333.45% of its income as dividend. This is not a sustainable payout ratio.

FRST's earnings are growing more than its dividend. This makes the dividend growth sustainable.

DP333.45%

EPS Next 2Y1156.97%

EPS Next 3YN/A

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PRIMIS FINANCIAL CORP

NASDAQ:FRST (8/29/2025, 8:25:19 PM)

After market: 11.45 0 (0%)

11.45

+0.33 (+2.97%)

Chartmill FA Rating

GICS SectorFinancials

GICS IndustryGroupBanks

GICS IndustryBanks

Earnings (Last)07-24 2025-07-24/amc

Earnings (Next)10-22 2025-10-22/amc

Inst Owners75.38%

Inst Owner Change-1.48%

Ins Owners3.12%

Ins Owner Change1.91%

Market Cap282.13M

Analysts87.5

Price Target13.9 (21.4%)

Short Float %0.54%

Short Ratio1.08

Dividend

		Industry Rank	Sector Rank
Dividend Yield	3.6%

Yearly Dividend0.4

Dividend Growth(5Y)2.16%

DP333.45%

Div Incr Years0

Div Non Decr Years12

Ex-Date08-08 2025-08-08 (0.1)

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)10.1%

PT rev (3m)-3.54%

EPS NQ rev (1m)12.37%

EPS NQ rev (3m)-39.86%

EPS NY rev (1m)-59.63%

EPS NY rev (3m)-59.63%

Revenue NQ rev (1m)12.47%

Revenue NQ rev (3m)-14.4%

Revenue NY rev (1m)-5.32%

Revenue NY rev (3m)-6.25%

Valuation

		Industry Rank	Sector Rank
PE	N/A
Fwd PE	7.25
P/S	1.59
P/FCF	N/A
P/OCF	N/A
P/B	0.75
P/tB	1.02
EV/EBITDA	N/A

EPS(TTM)-0.32

EYN/A

EPS(NY)1.58

Fwd EY13.8%

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

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

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-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

WACC26.55%

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)-125.6%

EPS 3Y-80.05%

EPS 5Y-63.19%

EPS Q2Q%-65.62%

EPS Next Y3000.8%

EPS Next 2Y1156.97%

EPS Next 3YN/A

EPS Next 5YN/A

Revenue 1Y (TTM)26.5%

Revenue growth 3Y11.85%

Revenue growth 5Y9.18%

Sales Q2Q%-7.74%

Revenue Next Year5.32%

Revenue Next 2Y18.11%

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-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) Stock Fundamental Analysis

1. Profitability

1.1 Basic Checks

1.2 Ratios

1.3 Margins

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2. Health

2.1 Basic Checks

2.2 Solvency

2.3 Liquidity

More info and screens

3. Growth

3.1 Past

3.2 Future

3.3 Evolution

More info and screens

4. Valuation

4.1 Price/Earnings Ratio

4.2 Price Multiples

4.3 Compensation for Growth

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5. Dividend

5.1 Amount

5.2 History

5.3 Sustainability

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