13.91 USD
+0.81 (+6.18%)
13.91 USD
0 (0%)
FRST gets a fundamental rating of 3 out of 10. The analysis compared the fundamentals against 388 industry peers in the Banks industry. Both the profitability and financial health of FRST have multiple concerns. FRST is not overvalued while it is showing excellent growth. This is an interesting combination.
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.
The reported net income has been mixed in the past 5 years: FRST reported negative net income in multiple years.
In the past 5 years FRST always reported a positive cash flow from operatings.
1.2 Ratios
FRST's Return On Assets of 0.22% is on the low side compared to the rest of the industry. FRST is outperformed by 86.34% of its industry peers.
Looking at the Return On Equity, with a value of 2.24%, FRST is doing worse than 85.82% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.22% | ||
| ROE | 2.24% | ||
| 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's Profit Margin of 4.72% is on the low side compared to the rest of the industry. FRST is outperformed by 87.63% 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) | 4.72% | ||
| 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
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
FRST has a worse debt/assets ratio than last year.
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.
Looking at the Debt to Equity ratio, with a value of 0.30, FRST is doing worse than 68.30% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.3 | ||
| Debt/FCF | N/A | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC24.13%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
The earnings per share for FRST have decreased strongly by -111.88% in the last year.
Measured over the past years, FRST shows a very negative growth in Earnings Per Share. The EPS has been decreasing by -63.19% on average per year.
The Revenue has grown by 28.91% in the past year. This is a very strong growth!
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)-111.88%
EPS 3Y-80.05%
EPS 5Y-63.19%
EPS Q2Q%250%
Revenue 1Y (TTM)28.91%
Revenue growth 3Y11.85%
Revenue growth 5Y9.18%
Sales Q2Q%3.6%
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 484.03% on average per year.
The Revenue is expected to grow by 22.25% on average over the next years. This is a very strong growth
EPS Next Y6887%
EPS Next 2Y1178.3%
EPS Next 3Y484.03%
EPS Next 5YN/A
Revenue Next Year5.32%
Revenue Next 2Y19.27%
Revenue Next 3Y22.25%
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.
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 8.51, the valuation of FRST can be described as very reasonable.
82.22% of the companies in the same industry are more expensive than FRST, based on the Price/Forward Earnings ratio.
FRST is valuated cheaply when we compare the Price/Forward Earnings ratio to 23.13, which is the current average of the S&P500 Index.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | N/A | ||
| Fwd PE | 8.51 |
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 484.03% in the coming years. This may justify a more expensive valuation.
PEG (NY)N/A
PEG (5Y)N/A
EPS Next 2Y1178.3%
EPS Next 3Y484.03%
5. Dividend
5.1 Amount
With a Yearly Dividend Yield of 3.04%, FRST has a reasonable but not impressive dividend return.
FRST's Dividend Yield is comparable with the industry average which is at 2.74.
FRST's Dividend Yield is rather good when compared to the S&P500 average which is at 2.00.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 3.04% |
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 115.32% of its income as dividend. 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 2Y1178.3%
EPS Next 3Y484.03%
13.91
+0.81 (+6.18%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners75.55%
Inst Owner Change10.08%
Ins Owners3.17%
Ins Owner Change7.29%
Market Cap342.74M
Revenue(TTM)181.69M
Net Income(TTM)8.57M
Analysts87.5
Price Target15.43 (10.93%)
Short Float %1.33%
Short Ratio3.49
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 3.04% |
Yearly Dividend0.4
Dividend Growth(5Y)2.16%
DP115.32%
Div Incr Years0
Div Non Decr Years12
Ex-DateN/A
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)11.01%
PT rev (3m)11.01%
EPS NQ rev (1m)0%
EPS NQ rev (3m)44.33%
EPS NY rev (1m)125.33%
EPS NY rev (3m)125.33%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)22.53%
Revenue NY rev (1m)0.29%
Revenue NY rev (3m)0.29%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | N/A | ||
| Fwd PE | 8.51 | ||
| P/S | 1.89 | ||
| P/FCF | N/A | ||
| P/OCF | N/A | ||
| P/B | 0.9 | ||
| P/tB | 1.21 | ||
| EV/EBITDA | N/A |
EPS(TTM)-0.12
EYN/A
EPS(NY)1.63
Fwd EY11.75%
FCF(TTM)-2.18
FCFYN/A
OCF(TTM)-2.13
OCFYN/A
SpS7.37
BVpS15.51
TBVpS11.47
PEG (NY)N/A
PEG (5Y)N/A
Graham NumberN/A
Profitability
| Industry Rank | Sector 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)-0.05%
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
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 3YN/A
PM growth 5YN/A
GM growth 3YN/A
GM growth 5YN/A
F-Score6
Asset Turnover0.05
Health
| Industry Rank | Sector 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-Score6
WACC24.13%
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)-111.88%
EPS 3Y-80.05%
EPS 5Y-63.19%
EPS Q2Q%250%
EPS Next Y6887%
EPS Next 2Y1178.3%
EPS Next 3Y484.03%
EPS Next 5YN/A
Revenue 1Y (TTM)28.91%
Revenue growth 3Y11.85%
Revenue growth 5Y9.18%
Sales Q2Q%3.6%
Revenue Next Year5.32%
Revenue Next 2Y19.27%
Revenue Next 3Y22.25%
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-2.94%
FCF growth 3Y-9.65%
FCF growth 5Y-12.46%
OCF growth 1Y-1.23%
OCF growth 3Y-10.59%
OCF growth 5Y-11.88%
PRIMIS FINANCIAL CORP / FRST FAQ
What is the fundamental rating for FRST stock?
ChartMill assigns a fundamental rating of 3 / 10 to FRST.
What is the valuation status of PRIMIS FINANCIAL CORP (FRST) stock?
ChartMill assigns a valuation rating of 4 / 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 1 / 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 6887% 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%.