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FRST stock logo

FRST

Primis Financial Corp

$15.99
-0.12
 (-0.77%)
Exchange:  NASDAQ
Market Cap:  397.707M
Shares Outstanding:  943206
Delayed data
Calculate FRST Intrinsic Value
5-year outlook →
Overview
Earnings
Financials
Valuation
Chart

About The Company

Sector:  Financial Services
Industry:  Banks – Regional
   
CEO:  Dennis J. Zember
Full Time Employees:  593
Address: 
1676 International Drive Suite 900
McLean
VA
22102
US
Website:  https://www.primisbank.com
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.

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Revenue Segmentation

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EPS

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Earnings Call

Full text

Earnings transcript

Read the complete earnings call transcript.

AI summary

Key takeaways

Short, structured highlights from the call so you can focus on what matters.

2026/04/24 — Q1 quarter 2026

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Income Statement
Balance Sheet
Cash Flow Statement
Analyst Estimates

Income Statement

Year202320242025
Revenue237,868254,109312,601
Gross Profit111,42196,741211,298
EBITDA-2,086-19,97581,909
Operating Income-11,179-28,90372,554
Net Income-7,832-16,20561,443

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(* All numbers are in thousands)

Balance Sheet

Year202320242025
Total Assets3,856,5463,698,8214,047,388
Total Liabilities3,458,9533,325,1333,624,492
Total Stockholders Equity376,161351,756422,896
Total Debt157,674128,557262,167
Cash and Cash Equivalents77,55364,505143,607

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(* All numbers are in thousands)

Cash Flow Statement

Year202320242025
Operating Cash Flow28,81819,53010,767
Capital Expenditure-1,924-1,194-1,734
Free Cash Flow26,89418,3369,033
Net Income-10,112-24,66561,443
Net Change in Cash-306-13,04879,102

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(* All numbers are in thousands)

Analyst Estimates

Fiscal Year2027Research AccessResearch AccessResearch AccessResearch Access
Estimated Revenue (Low)207,902.149Research AccessResearch AccessResearch AccessResearch Access
Estimated Revenue (High)216,559.628Research AccessResearch AccessResearch AccessResearch Access
Estimated Revenue (Avg)212,236Research AccessResearch AccessResearch AccessResearch Access
Estimated Ebitda (Low)30,533.552Research AccessResearch AccessResearch AccessResearch Access
Estimated Ebitda (High)31,805.032Research AccessResearch AccessResearch AccessResearch Access
Estimated Ebitda (Avg)31,170.043Research AccessResearch AccessResearch AccessResearch Access
Estimated Net Income (Low)46,591.694Research AccessResearch AccessResearch AccessResearch Access
Estimated Net Income (High)49,179.998Research AccessResearch AccessResearch AccessResearch Access
Estimated Net Income (Avg)48,158Research AccessResearch AccessResearch AccessResearch Access
Estimated SGA Expense (Low)63,904.246Research AccessResearch AccessResearch AccessResearch Access
Estimated SGA Expense (High)66,565.352Research AccessResearch AccessResearch AccessResearch Access
Estimated SGA Expense (Avg)65,236.370Research AccessResearch AccessResearch AccessResearch Access
Estimated EPS (Avg)1.940Research AccessResearch AccessResearch AccessResearch Access
Estimated EPS (High)1.990Research AccessResearch AccessResearch AccessResearch Access
Estimated EPS (Low)1.890Research AccessResearch AccessResearch AccessResearch Access
Number of Analysts (Estimated Revenue)3Research AccessResearch AccessResearch AccessResearch Access
Number of Analysts (Estimated EPS)3Research AccessResearch AccessResearch AccessResearch Access

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(* All numbers are in thousands)

Current Key Metrics

?Revenue
 (TTM)
: 
254.171M  ?P/S
 (TTM)
: 
1.29
?Net Income
 (TTM)
: 
-7540000  ?P/E
 (TTM)
: 
7.48
?Enterprise Value
 (TTM)
: 
839.743M  ?EV/FCF
 (TTM)
: 
-18.98
?Dividend Yield
 (TTM)
: 
2.48%  ?Payout Ratio
 (TTM)
: 
18.77%
?ROE
 (TTM)
: 
12.75%  ?ROIC
 (TTM)
: 
1.22%
?Net Debt
 (TTM)
: 
64.052M  ?Debt/Equity
 (TTM)
: 
1.03
?P/B
 (TTM)
: 
0.92  ?Current Ratio
 (TTM)
: 
0.08

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Forward P/E Ratios

?

Forward P/E (Avg EPS estimate) — log in with Research Access for high/low estimates and the interactive table.

Forward P/E 1YResearch AccessResearch AccessResearch AccessResearch Access
11.50Research AccessResearch AccessResearch AccessResearch Access

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SWOT Analysis

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At what price to buy it? -
Intrinsic Value Calculator

Based on current fundamentals and analyst forecasts, MARKETSnap estimates FRST intrinsic value between $10.66 – $10.93 per share. This depends on revenue growth, margins, and discount rate.

This is an automatic estimate. The most reliable way to know fair value for your own assumptions is to run the calculator below.

[intrinsic_calculator]

Common questions about FRST valuation

Is Primis Financial Corp (FRST) overvalued or undervalued right now?

MARKETSnap estimates intrinsic value for Primis Financial Corp (FRST) using its proprietary valuation methodology, which incorporates discounted cash flow (DCF) analysis together with long-term earnings and fundamentals assumptions. By comparing intrinsic value to the current market price, long-term investors can see whether the stock screens as potentially overvalued, fairly valued, or undervalued today.

Is FRST a buy, hold, or sell for long-term investors?

MARKETSnap does not give one-word “buy” or “sell” calls. Instead, it shows whether FRST trades at a premium or discount to its estimated intrinsic value, how sensitive that value is to growth and margin assumptions, and how the stock fits into a diversified, long-term portfolio so investors can make their own buy, hold, or sell decision.

What is FRST’s P/E ratio?

You can see FRST’s trailing P/E (TTM) and forward P/E estimates in the Current Key Metrics and Forward P/E Ratios sections above. The P/E ratio compares the current share price to earnings per share and helps investors gauge valuation relative to earnings.

How is intrinsic value calculated for FRST?

MARKETSnap uses its own valuation framework—not a generic spreadsheet DCF alone. Future cash flows and earnings are projected, discounted, and combined with MARKETSnap’s methodology so intrinsic value reflects fundamentals and long-term assumptions. You can run your own inputs and see the result using the Intrinsic Value Calculator above.

Is FRST a good long-term investment?

Whether FRST fits a long-term portfolio depends on your assumptions about growth, margins, and risk. MARKETSnap provides the metrics, intrinsic value calculator, and SWOT context so you can form your own view rather than rely on a single buy/sell rating.

FRST

1-day price chart preview. Log in for 1W through 5Y ranges and period tabs.

Daily snapshot

-0.77
MARKETSnap

Trading Metrics:

Open: 15.93   Previous Close: 16.11
Day Low: 15.81   Day High: 16.02
Year Low: 9.55   Year High: 16.88
Price Avg 50: 16.03   Price Avg 200: 14.05
Volume: 24244   Average Volume: 238190

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See in Nexus

Relevant news

Primis Financial Corp. (FRST) Q2 2026 Earnings Call Transcript
24-07-2026 14:00
Primis Financial Corp. (FRST) Q2 2026 Earnings Call Transcript
Primis Financial Corp. Reports Strong Results for the Second Quarter of 2026
23-07-2026 16:30
Primis Financial Corp. Reports Strong Results for the Second Quarter of 2026
Primis Financial Corp. Announces Date for Second Quarter 2026 Earnings Release and Conference Call
10-07-2026 16:30
Primis Financial Corp. Announces Date for Second Quarter 2026 Earnings Release and Conference Call
Primis Financial Corp. Announces Election of New Board Members Scott Gamble and Brock Saunders
27-05-2026 17:30
Primis Financial Corp. Announces Election of New Board Members Scott Gamble and Brock Saunders
Primis Financial Corp. (FRST) Q1 2026 Earnings Call Transcript
24-04-2026 13:21
Primis Financial Corp. (FRST) Q1 2026 Earnings Call Transcript
Primis Financial (FRST) Beats Q1 Earnings and Revenue Estimates
23-04-2026 20:35
Primis Financial (FRST) Beats Q1 Earnings and Revenue Estimates

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