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Primis Financial Corp.
NASDAQ: FRST Financials Bank 🔎 Screen
🏹 Trader: 🚀 Stage 2 + Near High 📈 Stage 2 🎯 Near 52W High | BRS 80 Ready View all →
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$404M
Market Cap
5.6
P/E
0.09
PEG
ROCE
14.7%
ROE
0.48
D/E
OPM
-3.1%
% from 52W High
79
α RS
🔍 FRST is showing a high-conviction setup because it matches 5 of 39 tracked screener presets, RS Rating is 79, and it's within 3.1% of its 52-week high. Net: Broad signal stack, not a recommendation. ? Conviction RS Rating 52W High
Sources
Conviction 5/39 · RS Rating 79 · 3.1% from 52W high
🌏 Global Investor Returns
Currency-adjusted total returns for FRST including FX impact
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📈 Price History
Ratio Health
Excellent
Good
Average
Poor
By Category
📊 Sector Averages
About

Primis Financial Corp. operates as the bank holding company for Primis Bank that provides various financial services to individuals, and small and medium sized businesses in the United States. The company offers deposit products, including checking, NOW, savings, and money market accounts, as well as certificates of deposits; and commercial deposit products comprising investment/sweep accounts, wire transfer services, employer services/payroll processing services, zero balance accounts, night depository services, depository transfers, merchant services, ACH originations, business debit cards, controlled disbursement accounts, and remote deposit capture services. It also provides commercial lending products, such as loans consist of lines of credit, revolving credit facilities, demand loans, term loans, equipment loans, SBA loans, stand-by letters of credit, and unsecured loans; loans for permanent financing; construction loans for commercial, multi-family, assisted living and other non-residential properties, and builder/developer lines; second asset based lending; SBA lending; financing for medical, dental, and veterinary businesses; and warehouse lending lines of credit to residential mortgage originators. In addition, the company provides consumer lending products comprising residential mortgage, home equity lines of credit, secured and unsecured personal loans, life insurance premium financing, and Panacea consumer loans. Further, it offers debit cards, ATM services, notary services, and mobile and online banking. The company was formerly known as Southern National Bancorp of Virginia, Inc. and changed its name to Primis Financial Corp. Primis Financial Corp. was founded in 2004 and is headquartered in McLean, Virginia.

Key Ratios Snapshot
📈 Growth Pattern
📊 Quick Scorecard
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⭐ Superinvestors Holding FRST
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Manager Shares Value % of Fund Period
Jim Simons Renaissance Technologies LLC 270.2K $3.6M 0.01% Mar 2026
Steve Cohen Point72 Asset Management 73.6K $977K 0.00% Mar 2026

SEC Form 13F data. 45-day lag from quarter end.

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✓ 📞 Earnings Call Transcripts (5 quarters) submit a missing quarter
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📞 Earnings Call Transcripts (5)
Q2 2026 Q2 2026 2026-07-24
Net earnings surged to $9.4 million with strong revenue growth, improved margins, and contained expenses. Core consolidation and digital initiatives are set to drive further earnings and efficiency gains into 2027, while credit quality and deposit growth remain robust.
Q1 2026 Q1 2026 2026-04-24
Q1 saw strong operating earnings growth, improved margins, and robust loan and deposit expansion, driven by core bank and mortgage segments. Outlook remains positive with further margin expansion, stable expenses, and ambitious ROA and ROTCE targets for 2026.
Q4 2025 Q4 2025 2026-01-30
Q4 2025 saw strong earnings, margin expansion, and robust deposit and loan growth, with a substantial gain from a sale-leaseback and ongoing operating leverage improvements. The outlook for 2026 targets a 1% ROA, continued margin gains, and significant growth in mortgage and warehouse segments.
Q3 2025 Q3 2025 2025-10-24
Net earnings and profitability improved significantly year-over-year, with strong growth in non-interest-bearing deposits and higher net interest margin. Mortgage and Panacea divisions drove loan and deposit growth, while expense control and asset repricing support the outlook for achieving a 1% ROA soon.
Q2 2025 Q2 2025 2025-07-25
Q2 net income reached $8.4M, driven by strong operating leverage, digital deposit growth, and gains from PFH. Loan and deposit growth remain robust, with margin expansion expected to continue. Expense reductions and segment momentum support a positive outlook.
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📊 Analysis Methodology

This comprehensive investment analysis was conducted using The Finmagine™ Stock Analysis & Ranking Methodology, a proprietary framework that systematically evaluates stocks across five critical dimensions: Financial Health, Growth Prospects, Competitive Positioning, Management Quality, and Valuation.

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Financial Model
Projections are built from each company's audited annual financials (Income Statement, Balance Sheet, Cash Flow) over the last 5 fiscal years. Forward assumptions — revenue growth %, EBITDA margin, D&A (USD millions), interest expense, tax rate, and capex — are AI-generated using historical context and refreshed twice a year: after the December results season and after the September/Q4 results season.

DCF Valuation
Fair Value = Σ(FCFt / (1+WACC)t) + Terminal Value. Terminal Value uses the Gordon Growth Model: FCF5 × (1+g) / (WACC−g). Default WACC: 10% (US risk-free ~4.5%, equity risk premium ~5.5%). Default terminal growth: 3% (long-run US nominal GDP proxy).

CAGR Tracker
Expected 5-year CAGR = (DCF Fair Value / Current Price)1/5 − 1. Assumes fair value is reached in exactly 5 years — a mechanical estimate only.

Data Sources & Limitations
Financial statements sourced from public filings. Prices updated daily. Forward assumptions are AI-generated. All monetary values in USD millions. Non-US ADR companies may have currency conversion inaccuracies. Models are point-in-time and do not update intra-quarter or account for M&A, macro shocks, or extraordinary items.

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Investment Risk:
Investing in securities, including US equities and ETFs, involves inherent risks including the potential loss of principal. All investments are subject to market fluctuations, economic conditions, regulatory changes, and other factors that may affect their value. Past performance is not indicative of future results. This analysis is provided for informational and educational purposes only and should not be construed as investment advice under any circumstances.

No Investment Recommendation:
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Conflict of Interest Disclosure:
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Information Sources:
The analysis is based on publicly available information including SEC filings (10-K, 10-Q), annual reports, management commentary, and publicly available financial data. Information is believed to be accurate as of the date of publication but may be subject to change without notice. Readers are encouraged to independently verify all information before acting upon it.

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