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FRST vs PBFS

FRST
Primis Financial Corp.
NEUTRAL
Price
$14.03
Market Cap
$346.5M
Sector
Financial Services
AI Confidence
85%
PBFS
Pioneer Bancorp, Inc.
NEUTRAL
Price
$14.10
Market Cap
$344.2M
Sector
Financial Services
AI Confidence
80%

Valuation

P/E Ratio
FRST
5.63
PBFS
16.99
Forward P/E
FRST
7.1
PBFS
--
P/B Ratio
FRST
0.82
PBFS
1.06
P/S Ratio
FRST
1.64
PBFS
3.72
EV/EBITDA
FRST
--
PBFS
--

Profitability

Gross Margin
FRST
0.0%
PBFS
0.0%
Operating Margin
FRST
51.42%
PBFS
30.87%
Profit Margin
FRST
29.08%
PBFS
21.91%
ROE
FRST
14.68%
PBFS
6.46%
ROA
FRST
1.49%
PBFS
0.98%

Growth

Revenue Growth
FRST
1259.2%
PBFS
15.7%
Earnings Growth
FRST
--
PBFS
16.8%

Financial Health

Debt/Equity
FRST
--
PBFS
--
Current Ratio
FRST
--
PBFS
--
Quick Ratio
FRST
--
PBFS
--

Dividends

Dividend Yield
FRST
2.85%
PBFS
--
Payout Ratio
FRST
16.06%
PBFS
0.0%

AI Verdict

FRST NEUTRAL

Primis Financial Corp. presents a classic 'value trap' profile, characterized by a weak Piotroski F-Score of 3/9 indicating deteriorating operational health despite deep valuation discounts. While the stock trades significantly below its Graham Number ($30.97) and Intrinsic Value ($17.43), with a P/B of 0.82, these metrics are offset by a consistent track record of earnings misses and a bearish technical trend (10/100). The extreme YoY revenue growth of 1259% suggests non-organic expansion or accounting anomalies rather than sustainable operational scaling. Consequently, the deep value is currently outweighed by poor financial health and negative earnings momentum.

Strengths
Deep value valuation with P/E of 5.63 and P/B of 0.82
Strong ROE of 14.68% relative to sector averages
Highly sustainable dividend with a low payout ratio of 16.06%
Risks
Weak operational health as evidenced by a Piotroski F-Score of 3/9
Poor earnings reliability with an average surprise of -30.72% over the last 4 quarters
Extremely bearish technical trend (10/100) suggesting strong selling pressure
PBFS NEUTRAL

PBFS presents a valuation paradox: it trades below both its Graham Number ($15.74) and Intrinsic Value ($24.48), yet exhibits significant fundamental weakness. The Piotroski F-Score of 3/9 indicates a 'Weak' health status, suggesting deteriorating financial quality despite strong YoY revenue (15.7%) and earnings (16.8%) growth. Bearish insider sentiment and a 0/100 technical trend further dampen the outlook, offsetting the attractive Price-to-Book ratio of 1.06.

Strengths
Trading below Graham Number ($15.74) and Intrinsic Value ($24.48)
Strong YoY Revenue growth of 15.70%
Strong YoY Earnings growth of 16.80%
Risks
Weak Piotroski F-Score (3/9) indicating poor financial health trends
Bearish insider activity with net selling
Technical trend is currently 0/100 (Bearish)

Compare Another Pair

FRST vs PBFS: Head-to-Head Comparison

This page compares Primis Financial Corp. (FRST) and Pioneer Bancorp, Inc. (PBFS) across key fundamental metrics including valuation ratios, profitability margins, growth rates, financial health indicators, and dividend metrics. Each metric highlights the better-performing stock so you can quickly identify relative strengths and weaknesses.

Our AI engine independently analyzes each company's financials, competitive position, and market conditions to produce a verdict (Bullish, Neutral, or Bearish) along with key strengths and risks. Use this comparison alongside your own research to make informed investment decisions.

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