FRST Fundamental Analysis - PRIMIS FINANCIAL CORP

Fundamental Rating

We assign a fundamental rating of 3 out of 10 to FRST. FRST was compared to 392 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.

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1. Profitability

1.1 Basic Checks

In the past year FRST has reported negative net income.

FRST had a negative operating cash flow in the past year.

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

With a Return On Assets value of 0.08%, FRST is not doing good in the industry: 88.27% of the companies in the same industry are doing better.

With a Return On Equity value of 0.79%, FRST is not doing good in the industry: 88.27% 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

Looking at the Profit Margin, with a value of 1.67%, FRST is doing worse than 88.52% of the companies in the same industry.

FRST does not have Operating Margin and Gross Margin available, so we won't be analyzing them here.

		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.

The number of shares outstanding for FRST remains at a similar level compared to 1 year ago.

The number of shares outstanding for FRST has been increased compared to 5 years ago.

FRST has a worse debt/assets ratio than last year.

2.2 Solvency

A Debt/Equity ratio of 0.31 indicates that FRST is not too dependend on debt financing.

FRST has a worse Debt to Equity ratio (0.31) than 68.88% of its industry peers.

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

ROIC/WACCN/A

WACC27.55%

2.3 Liquidity

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

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WACC

Debt/Equity

How to determine the health of a company

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.

FRST shows a very negative growth in Earnings Per Share. Measured over the last years, the EPS has been decreasing by -63.19% yearly.

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

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)-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.

FRST is expected to show quite a strong growth in Revenue. In the coming years, the Revenue will grow by 9.17% yearly.

EPS Next Y3000.8%

EPS Next 2Y1156.97%

EPS Next 3YN/A

EPS Next 5YN/A

Revenue Next Year5.02%

Revenue Next 2Y9.17%

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.

When comparing the Revenue growth rate of the last years to the growth rate of the upcoming years, we see that the growth is stable.

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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.

The Price/Forward Earnings ratio is 6.73, which indicates a rather cheap valuation of FRST.

91.58% 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 22.87, FRST is valued rather cheaply.

		Industry Rank	Sector Rank
PE	N/A
Fwd PE	6.73

4.2 Price Multiples

		Industry Rank	Sector Rank
P/FCF	N/A
EV/EBITDA	N/A

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 1156.97% in the coming years. This may justify a more expensive valuation.

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 3.59%, FRST has a reasonable but not impressive dividend return.

Compared to an average industry Dividend Yield of 3.47, 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 2.38.

		Industry Rank	Sector Rank
Dividend Yield	3.59%

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

333.45% 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.

DP333.45%

EPS Next 2Y1156.97%

EPS Next 3YN/A

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PRIMIS FINANCIAL CORP

NASDAQ:FRST (9/22/2025, 4:30:01 PM)

After market: 10.64 0 (0%)

10.64

-0.14 (-1.3%)

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 Owners75.52%

Inst Owner Change-1.48%

Ins Owners3.14%

Ins Owner Change0.83%

Market Cap262.17M

Analysts87.5

Price Target13.9 (30.64%)

Short Float %0.67%

Short Ratio1.49

Dividend

		Industry Rank	Sector Rank
Dividend Yield	3.59%

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)1.87%

PT rev (3m)10.1%

EPS NQ rev (1m)0%

EPS NQ rev (3m)-5.92%

EPS NY rev (1m)0%

EPS NY rev (3m)-59.63%

Revenue NQ rev (1m)-15.78%

Revenue NQ rev (3m)-6.72%

Revenue NY rev (1m)-0.29%

Revenue NY rev (3m)-6.52%

Valuation

		Industry Rank	Sector Rank
PE	N/A
Fwd PE	6.73
P/S	1.47
P/FCF	N/A
P/OCF	N/A
P/B	0.7
P/tB	0.95
EV/EBITDA	N/A

EPS(TTM)-0.32

EYN/A

EPS(NY)1.58

Fwd EY14.85%

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

WACC27.55%

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 Year5.02%

Revenue Next 2Y9.17%

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

More info and screens

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

More info and screens

5. Dividend

5.1 Amount

5.2 History

5.3 Sustainability

More info and screens