FRST
NEUTRAL
$14.03
Live
Primis Financial Corp. · NASDAQ
Target $16.12
(+14.9%)
$7.59
52W Range
$14.55
At a glance
Key valuation, profitability, growth, and risk metrics.
Updated Apr 10, 2026
Market cap
$346.53M
P/E
5.63
ROE
14.7%
Profit margin
29.1%
Debt/Equity
N/A
Dividend yield
2.85%
AI Analysis
AI-powered fundamental assessment
Confidence
85%
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.
Key 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%
Trading well below Graham Number ($30.97) and Intrinsic Value ($17.43)
Strong analyst consensus (Strong Buy) with a target price of $16.12
Key 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
Sustainability of the anomalous 1259% YoY revenue growth is questionable
Significant volatility in quarterly EPS, including a -690.9% surprise in early 2025
AI Fair Value Estimate
Based on comprehensive analysis
$16.0
+14.0% above current price
Performance Snowflake
Multi-dimensional analysis across 5 key categories
Overall
56
Moderate
92
40
55
25
70
AI Verdict
Speculative Value
Key drivers: Deep discount to book value, Poor Piotroski health score, Consistent earnings misses, Strong ROE
Confidence
90%
Value
92/100
Ref P/E, PEG, Graham Number
Positives
- P/E 5.63 is far below sector average
- P/B 0.82 indicates trading below liquidation value
- Graham Number $30.97 provides a massive defensive cushion
Watchpoints
- Low valuation may reflect market skepticism of asset quality
Future
40/100
Ref Growth rates
Positives
- Massive YoY revenue growth
Watchpoints
- Negative earnings surprises
- Bearish technical trend
Past
55/100
Ref Historical trends
Positives
- Strong 1Y price performance (+66.1%)
Watchpoints
- Poor earnings track record (1/4 beats)
Health
25/100
Ref Altman Z-Score, Piotroski F-Score
Positives
- Positive ROA (1.49%)
Watchpoints
- Piotroski F-Score 3/9 indicates weak financial health
Dividend
70/100
Ref Yield, Payout
Positives
- Very low payout ratio (16.06%)
- Consistent dividend rate
Watchpoints
- Modest yield (2.85%)
Stock Price & Analyst Targets
Real-time price movements and analyst price targets
Current Price
$14.03
Analyst Target
$16.12
Upside/Downside
+14.9%
Multi-Horizon Performance vs Peers
Price momentum across 5Y → 1W horizons for FRST and closest competitors.
Updated 2026-04-09
| Company | 5Y | 3Y | 1Y | 6M | 1M | 1W |
|---|---|---|---|---|---|---|
|
FRST
Primis Financial Corp.
Primary
|
+8.4% | +62.6% | +66.1% | +36.4% | +8.3% | +5.0% |
|
AVBC
Avidia Bancorp, Inc.
Peer
|
+17.7% | +17.7% | +17.7% | +17.7% | -0.1% | -0.6% |
|
BGT
BlackRock Floating Rate Income Trust
Peer
|
+50.6% | +43.0% | +2.8% | -2.7% | +2.7% | +1.0% |
|
AWP
abrdn Global Premier Properties Fund
Peer
|
+21.9% | +28.7% | +9.6% | +5.5% | 0.0% | -1.8% |
|
FUFU
BitFuFu Inc.
Peer
|
-79.1% | -80.3% | -52.8% | -48.1% | -20.4% | +18.7% |
FRS
Primis Financial Corp.
Primary
5Y
+8.4%
3Y
+62.6%
1Y
+66.1%
6M
+36.4%
1M
+8.3%
1W
+5.0%
AVB
Avidia Bancorp, Inc.
Peer
5Y
+17.7%
3Y
+17.7%
1Y
+17.7%
6M
+17.7%
1M
-0.1%
1W
-0.6%
BGT
BlackRock Floating Rate Income Trust
Peer
5Y
+50.6%
3Y
+43.0%
1Y
+2.8%
6M
-2.7%
1M
+2.7%
1W
+1.0%
AWP
abrdn Global Premier Properties Fund
Peer
5Y
+21.9%
3Y
+28.7%
1Y
+9.6%
6M
+5.5%
1M
0.0%
1W
-1.8%
FUF
BitFuFu Inc.
Peer
5Y
-79.1%
3Y
-80.3%
1Y
-52.8%
6M
-48.1%
1M
-20.4%
1W
+18.7%
Positive values indicate cumulative gains over the specified period. Comparables pulled from the same sector to highlight whether momentum is stock-specific or industry-wide.
Historical Performance Trends
Long-term financial metrics and growth patterns
Revenue & Net Income
Profit & Operating Margins
Return on Equity (ROE)
Quarterly Revenue Growth
Historical data shows last 12 quarters (3 years)
Valuation Metrics
Key valuation ratios and pricing indicators
P/E Ratio
5.63
Forward P/E
7.1
PEG Ratio
N/A
P/B Ratio
0.82
P/S Ratio
1.64
EV/Revenue
1.91
EV/EBITDA
N/A
Market Cap
$346.53M
Profitability
Profit margins and return metrics
Profit Margin
29.08%
Operating Margin
51.42%
Gross Margin
N/A
ROE
14.68%
ROA
1.49%
Growth
Revenue and earnings growth rates
Revenue Growth
+1259.2%
Earnings Growth
N/A
Q/Q Revenue Growth
+9.91%
Q/Q Earnings Growth
N/A
Financial Health
Balance sheet strength and liquidity metrics
Debt/Equity
N/A
Current Ratio
N/A
Quick Ratio
N/A
Cash/Share
$5.91
Quarterly Earnings History
EPS performance vs analyst estimates
2026-04-23
$N/A
2026-01-29
$0.1
-70.6% surprise
2025-10-23
$0.28
+27.3% surprise
2025-07-24
$0.11
-48.8% surprise
Financial Services Sector Comparison
Comparing FRST against 306 companies in the Financial Services sector
(53 bullish, 132 neutral, 121 bearish)
P/E Ratio
5.63
This Stock
vs
55.13
Sector Avg
-89.8%
(Discount)
Return on Equity (ROE)
14.68%
This Stock
vs
-0.93%
Sector Avg
-1682.6%
(Below Avg)
Profit Margin
29.08%
This Stock
vs
69.73%
Sector Avg
-58.3%
(Weaker)
Revenue Growth
1259.2%
This Stock
vs
32.66%
Sector Avg
+3755.1%
(Fast Growth)
Similar Companies
Peer comparison within the same industry
| Company | AI Rating | Market Cap | P/E | ROE | Profit Margin | Price | |
|---|---|---|---|---|---|---|---|
|
FRST
Primis Financial Corp.
|
NEUTRAL | $346.53M | 5.63 | 14.7% | 29.1% | $14.03 | |
|
AVBC
Avidia Bancorp, Inc.
|
BEARISH | $345.91M | - | -% | -6.4% | $17.23 | Compare |
|
BGT
BlackRock Floating Rate...
|
BEARISH | $344.48M | 13.28 | 6.8% | 66.0% | $11.55 | Compare |
|
AWP
abrdn Global Premier...
|
BEARISH | $349.39M | 55.57 | 1.8% | 54.6% | $3.89 | Compare |
|
FUFU
BitFuFu Inc.
|
BEARISH | $337.96M | - | -40.2% | -12.1% | $2.03 | Compare |
FRST
Primis Financial Corp.
NEUTRAL
Mkt Cap
$347M
P/E
5.6
ROE
14.7%
Price
$14.03
Recent Insider Trading
Insider buy and sell transactions from the last 6 months
| Date | Insider | Position | Transaction | Shares | Value |
|---|---|---|---|---|---|
| 2026-03-12 | BIAGAS JOHN FITZGERALD | Director | Purchase | 1,925 | $24,640 |
| 2026-03-11 | BIAGAS JOHN FITZGERALD | Director | Purchase | 1,550 | $19,768 |
| 2026-03-09 | LEIBSON MARIE TAYLOR | Officer | Option Exercise | 5,500 | $65,945 |
| 2026-03-06 | DIAZ DEBORAH | Director | Purchase | 1,050 | $13,408 |
| 2026-03-05 | ZEMBER DENNIS JAMES JR | Chief Executive Officer | Stock Award | 50,964 | - |
| 2026-03-05 | LEIBSON MARIE TAYLOR | Officer | Stock Award | 3,469 | - |
| 2026-03-05 | WOOD CHERYL | Officer | Stock Award | 3,469 | - |
| 2026-03-05 | SWITZER MATTHEW ALAN | Chief Financial Officer | Stock Award | 5,219 | - |
| 2026-03-05 | GORE ANN-STANTON C | Officer | Stock Award | 1,969 | - |
| 2026-03-05 | FULK RICKEY ALLEN | President | Stock Award | 2,297 | - |
| 2026-02-10 | COOK WILLIAM RAND | Director | Purchase | 1,770 | $25,081 |
| 2026-02-05 | COOK WILLIAM RAND | Director | Purchase | 1,410 | $20,113 |
| 2026-02-03 | SWITZER MATTHEW ALAN | Chief Financial Officer | Purchase | 2,500 | $35,150 |
| 2025-12-18 | ZEMBER DENNIS JAMES JR | Chief Executive Officer | Stock Award | 20,250 | - |
| 2025-12-18 | LEIBSON MARIE TAYLOR | Officer | Stock Award | 4,500 | - |
BIAGAS JOHN FITZGERALD
Director
2026-03-12
1,925 shares
·
$24,640
BIAGAS JOHN FITZGERALD
Director
2026-03-11
1,550 shares
·
$19,768
LEIBSON MARIE TAYLOR
Officer
2026-03-09
5,500 shares
·
$65,945
DIAZ DEBORAH
Director
2026-03-06
1,050 shares
·
$13,408
ZEMBER DENNIS JAMES JR
Chief Executive Officer
2026-03-05
50,964 shares
LEIBSON MARIE TAYLOR
Officer
2026-03-05
3,469 shares
WOOD CHERYL
Officer
2026-03-05
3,469 shares
SWITZER MATTHEW ALAN
Chief Financial Officer
2026-03-05
5,219 shares
GORE ANN-STANTON C
Officer
2026-03-05
1,969 shares
FULK RICKEY ALLEN
President
2026-03-05
2,297 shares
COOK WILLIAM RAND
Director
2026-02-10
1,770 shares
·
$25,081
COOK WILLIAM RAND
Director
2026-02-05
1,410 shares
·
$20,113
SWITZER MATTHEW ALAN
Chief Financial Officer
2026-02-03
2,500 shares
·
$35,150
ZEMBER DENNIS JAMES JR
Chief Executive Officer
2025-12-18
20,250 shares
LEIBSON MARIE TAYLOR
Officer
2025-12-18
4,500 shares
Insider transactions can signal confidence or concerns about company prospects
Past News Coverage
Recent headlines mentioning FRST from our newsroom.
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