FRST
Primis Financial Corp.
Price Chart
Latest Quote
$15.57
+0.09 (+0.58%)
Current Price
| Previous Close | $15.48 |
| Open | $15.45 |
| Day High | $15.58 |
| Day Low | $15.45 |
| Volume | 15,367 |
Stock Information
| Quarterly Dividend / Yield | $0.40 / 2.58% |
| Shares Outstanding | 24.77M |
| Quarterly Dividend Yield | 2.58% |
| Quarterly Dividend | $0.40 |
| Total Debt | $378.26M |
| Cash Equivalents | $159.91M |
| Revenue | $198.38M |
| Net Income | $46.12M |
| Sector | Financial Services |
| Industry | Banks - Regional |
| Market Cap | $385.70M |
| P/E Ratio | 8.33 |
| EPS (TTM) | $1.87 |
| Exchange | NGM |
đ Comprehensive Analysis
Company Data
| Enterprise Value | $601.82M |
| Sales | $198.38M |
| Income | $46.12M |
| Book/sh | $17.25 |
| Cash/sh | $6.46 |
| Employees | 593 |
Financial Ratios
| EPS Growth TTM | -67.70% |
Returns & Margins
| ROA | 1.16% |
| ROE | 11.49% |
| Operating Margin | 25.10% |
| Profit Margin | 23.25% |
Ownership
| Insider Ownership | 3.94% |
| Institutional Ownership | 86.39% |
| Insider & Institutional transactions data not available | |
Valuation Ratios
| Forward P/E | 8.12 |
| P/S | 1.94 |
| P/B | 0.90 |
Analyst Data
| Recommendation | none |
| Target Price | $17.50 |
Technical Indicators
| SMA20 | $15.03 |
| SMA50 | $14.52 |
| SMA200 | $12.67 |
| RSI | 61.64 |
| ATR | 0.3814 |
| Shares Float | 23.76M |
| Short Float | 1.55% |
| Short Ratio | 1.86 |
| Volatility | 0.74 |
| Rel Volume | 0.07 |
Performance History
| Week | +1.43% |
| Month | +8.35% |
| Quarter | +20.04% |
| 6 Months | +16.79% |
| YTD | +21.00% |
| Year | +61.32% |
| 3 Years | +108.58% |
| 5 Years | +18.10% |
| 10 Years | +69.44% |
Stock Score:
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Recent Price History
| Date | Close | Volume |
|---|---|---|
| 2026-06-23 | $15.57 | 15,367 |
| 2026-06-22 | $15.48 | 149,000 |
| 2026-06-18 | $15.45 | 188,600 |
| 2026-06-17 | $15.23 | 294,800 |
| 2026-06-16 | $15.45 | 157,500 |
| 2026-06-15 | $15.35 | 201,800 |
| 2026-06-12 | $15.74 | 210,900 |
| 2026-06-11 | $15.43 | 209,600 |
| 2026-06-10 | $15.23 | 304,300 |
| 2026-06-09 | $15.18 | 383,200 |
| 2026-06-08 | $15.04 | 189,000 |
| 2026-06-05 | $15.00 | 260,900 |
| 2026-06-04 | $14.94 | 193,100 |
| 2026-06-03 | $14.38 | 246,700 |
| 2026-06-02 | $14.89 | 568,600 |
| 2026-06-01 | $14.47 | 298,900 |
| 2026-05-29 | $14.43 | 157,000 |
| 2026-05-28 | $14.40 | 150,600 |
| 2026-05-27 | $14.56 | 112,900 |
| 2026-05-26 | $14.46 | 120,200 |
About Primis Financial Corp.
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.
đ° Latest News
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GuruFocus.com âĸ 2026-04-25T07:04:56ZPrimis (FRST) Q1 2026 Earnings Call Transcript
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Primis Financial Corp. Q1 2026 Earnings Call Summary
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Period:
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Income Statement (Annual)
| Metric | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 |
|---|---|---|---|---|
| Revenue | ||||
| Total Revenue | $140,863,000 | $147,362,000 | $143,961,000 | $120,052,000 |
| Operating Revenue | $140,863,000 | $147,362,000 | $143,961,000 | $120,052,000 |
| Expenses | ||||
| Interest Expense | $89,014,000 | $106,747,000 | $93,907,000 | $21,587,000 |
| Selling And Marketing Expense | $2,156,000 | $1,906,000 | $1,819,000 | $3,067,000 |
| General And Administrative Expense | $82,790,000 | $69,164,000 | $61,694,000 | $49,895,000 |
| Professional Expense And Contract Services Expense | $10,877,000 | $10,384,000 | $4,641,000 | $4,787,000 |
| Other Non Interest Expense | $27,735,000 | $28,607,000 | $25,620,000 | $20,723,000 |
| Income & Earnings | ||||
| Net Income From Continuing Operation Net Minority Interest | $61,443,000 | $-16,205,000 | $-7,832,000 | $14,148,000 |
| Net Interest Income | $111,428,000 | $104,222,000 | $98,711,000 | $101,700,000 |
| Interest Income | $200,442,000 | $210,969,000 | $192,618,000 | $123,287,000 |
| Normalized Income | $-4,320,704 | $-14,860,086 | $5,679,311 | $14,794,467 |
| Net Income From Continuing And Discontinued Operation | $61,443,000 | $-16,205,000 | $-7,832,000 | $14,148,000 |
| Average Dilution Earnings | $0 | $0 | $0 | - |
| Net Income Common Stockholders | $61,443,000 | $-16,205,000 | $-7,832,000 | $14,148,000 |
| Net Income | $61,443,000 | $-16,205,000 | $-7,832,000 | $14,148,000 |
| Net Income Including Noncontrolling Interests | $57,841,000 | $-24,665,000 | $-10,112,000 | $14,148,000 |
| Net Income Continuous Operations | $57,841,000 | $-24,665,000 | $-10,112,000 | $14,148,000 |
| Pretax Income | $72,554,000 | $-28,903,000 | $-11,179,000 | $17,333,000 |
| Special Income Charges | $82,492,000 | $-1,576,000 | $-14,937,000 | $-792,000 |
| Depreciation Amortization Depletion Income Statement | $602,000 | $1,265,000 | $1,269,000 | $1,325,000 |
| Depreciation And Amortization In Income Statement | $602,000 | $1,265,000 | $1,269,000 | $1,325,000 |
| Amortization Of Intangibles Income Statement | $602,000 | $1,265,000 | $1,269,000 | $1,325,000 |
| Net Income Discontinuous Operations | - | - | $0 | $0 |
| Per Share | ||||
| Diluted EPS | $2.49 | $-0.31 | $0.40 | $0.72 |
| Basic EPS | $2.49 | $-0.31 | $0.40 | $0.72 |
| Other | ||||
| Tax Effect Of Unusual Items | $16,728,296 | $-231,086 | $-1,425,689 | $-145,533 |
| Tax Rate For Calcs | $0 | $0 | $0 | $0 |
| Total Unusual Items | $82,492,000 | $-1,576,000 | $-14,937,000 | $-792,000 |
| Total Unusual Items Excluding Goodwill | $82,492,000 | $-1,576,000 | $-14,937,000 | $-792,000 |
| Reconciled Depreciation | $9,355,000 | $8,928,000 | $9,093,000 | $7,433,000 |
| Diluted Average Shares | $24,683,425 | $24,688,006 | $24,686,289 | $24,668,838 |
| Basic Average Shares | $24,668,367 | $24,688,006 | $24,638,609 | $24,561,483 |
| Diluted NI Availto Com Stockholders | $61,443,000 | $-16,205,000 | $-7,832,000 | $14,148,000 |
| Minority Interests | $3,602,000 | $8,460,000 | $2,280,000 | $0 |
| Tax Provision | $14,713,000 | $-4,238,000 | $-1,067,000 | $3,185,000 |
| Gain On Sale Of Business | $32,342,000 | $0 | $0 | - |
| Other Special Charges | $-50,150,000 | $1,576,000 | $3,787,000 | $792,000 |
| Impairment Of Capital Assets | $0 | $0 | $11,150,000 | $0 |
| Gain On Sale Of Security | $-13,278,000 | $4,728,000 | $18,304,000 | $4,774,000 |
| Amortization | $602,000 | $1,265,000 | $1,269,000 | $1,325,000 |
| Selling General And Administration | $84,946,000 | $71,070,000 | $63,513,000 | $52,962,000 |
| Insurance And Claims | $3,731,000 | $2,549,000 | $2,929,000 | $890,000 |
| Salaries And Wages | $79,059,000 | $66,615,000 | $58,765,000 | $49,005,000 |
| Occupancy And Equipment | $14,352,000 | $12,742,000 | $12,620,000 | $10,859,000 |
| Other Gand A | - | - | - | - |
Fetched: 2026-06-17
Balance Sheet (Annual)
| Metric | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 |
|---|---|---|---|---|
| Assets | ||||
| Net Tangible Assets | $324,162,000 | $249,567,000 | $270,045,000 | $270,641,000 |
| Total Assets | $4,047,388,000 | $3,690,115,000 | $3,856,546,000 | $3,566,664,000 |
| Goodwill And Other Intangible Assets | $98,734,000 | $102,189,000 | $106,116,000 | $118,327,000 |
| Other Intangible Assets | $5,275,000 | $8,730,000 | $12,657,000 | $13,718,000 |
| Cash And Cash Equivalents | $143,607,000 | $64,505,000 | $77,553,000 | $77,859,000 |
| Cash Financial | $9,690,000 | $8,059,000 | $1,863,000 | $6,868,000 |
| Cash Cash Equivalents And Federal Funds Sold | $143,607,000 | $64,505,000 | $77,553,000 | $77,859,000 |
| Receivables | - | - | - | - |
| Accounts Receivable | - | - | - | - |
| Debt | ||||
| Total Debt | $197,275,000 | $124,639,000 | $157,674,000 | $426,079,000 |
| Long Term Debt And Capital Lease Obligation | $197,275,000 | $124,639,000 | $157,674,000 | $426,079,000 |
| Long Term Debt | $135,935,000 | $113,073,000 | $145,988,000 | $420,312,000 |
| Net Debt | - | $48,568,000 | $68,435,000 | $342,453,000 |
| Liabilities | ||||
| Total Liabilities Net Minority Interest | $3,624,492,000 | $3,325,133,000 | $3,458,953,000 | $3,177,696,000 |
| Derivative Product Liabilities | - | - | $0 | $473,000 |
| Equity | ||||
| Common Stock Equity | $422,896,000 | $351,756,000 | $376,161,000 | $388,968,000 |
| Total Equity Gross Minority Interest | $422,896,000 | $364,982,000 | $397,593,000 | $388,968,000 |
| Stockholders Equity | $422,896,000 | $351,756,000 | $376,161,000 | $388,968,000 |
| Gains Losses Not Affecting Retained Earnings | $-2,670,000 | $-21,232,000 | $-21,777,000 | $-25,850,000 |
| Other Equity Adjustments | $-2,670,000 | $-21,232,000 | $-21,777,000 | $-25,850,000 |
| Retained Earnings | $109,617,000 | $58,047,000 | $84,143,000 | $101,850,000 |
| Long Term Equity Investment | $6,899,000 | $0 | - | - |
| Other | ||||
| Treasury Shares Number | $79,549 | - | - | - |
| Ordinary Shares Number | $24,695,385 | $24,722,734 | $24,693,172 | $24,680,097 |
| Share Issued | $24,774,934 | $24,722,734 | $24,693,172 | $24,680,097 |
| Tangible Book Value | $324,162,000 | $249,567,000 | $270,045,000 | $270,641,000 |
| Invested Capital | $558,831,000 | $464,829,000 | $522,149,000 | $809,280,000 |
| Capital Lease Obligations | $61,340,000 | $11,566,000 | $11,686,000 | $5,767,000 |
| Total Capitalization | $558,831,000 | $464,829,000 | $522,149,000 | $809,280,000 |
| Minority Interest | $0 | $13,226,000 | $21,432,000 | $0 |
| Treasury Stock | $807,000 | $0 | - | - |
| Additional Paid In Capital | $316,509,000 | $314,694,000 | $313,548,000 | $312,722,000 |
| Capital Stock | $247,000 | $247,000 | $247,000 | $246,000 |
| Common Stock | $247,000 | $247,000 | $247,000 | $246,000 |
| Preferred Stock | $0 | $0 | $0 | $0 |
| Long Term Capital Lease Obligation | $61,340,000 | $11,566,000 | $11,686,000 | $5,767,000 |
| Investments And Advances | $185,257,000 | $245,351,000 | $240,070,000 | $249,835,000 |
| Held To Maturity Securities | $6,981,000 | $9,448,000 | $11,650,000 | $13,520,000 |
| Available For Sale Securities | $11,566,000 | $57,184,000 | - | - |
| Goodwill | $93,459,000 | $93,459,000 | $93,459,000 | $104,609,000 |
| Net PPE | $71,666,000 | $29,711,000 | $31,257,000 | $30,592,000 |
| Accumulated Depreciation | $-11,260,000 | $-19,597,000 | $-17,534,000 | $-18,401,000 |
| Gross PPE | $82,926,000 | $49,308,000 | $48,791,000 | $48,993,000 |
| Leases | $952,000 | $3,885,000 | $3,885,000 | $3,033,000 |
| Construction In Progress | $0 | $172,000 | $30,000 | $139,000 |
| Other Properties | $65,596,000 | $10,279,000 | $10,646,000 | $5,335,000 |
| Machinery Furniture Equipment | $12,115,000 | $10,472,000 | $9,730,000 | $11,341,000 |
| Buildings And Improvements | $4,263,000 | $18,131,000 | $18,131,000 | $20,475,000 |
| Land And Improvements | $0 | $6,369,000 | $6,369,000 | $8,670,000 |
| Other Short Term Investments | $159,811,000 | $235,903,000 | $228,420,000 | $236,315,000 |
Fetched: 2026-06-17
Cash Flow Statement (Annual)
| Metric | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 |
|---|---|---|---|---|
| Free Cash Flow | ||||
| Free Cash Flow | $9,033,000 | $18,336,000 | $26,894,000 | $11,422,000 |
| Operating Activities | ||||
| Operating Cash Flow | $10,767,000 | $19,530,000 | $28,818,000 | $12,434,000 |
| Cash Flow From Continuing Operating Activities | $10,767,000 | $19,530,000 | $28,818,000 | $12,434,000 |
| Operating Gains Losses | $-47,497,000 | $-23,521,000 | $-29,215,000 | $-8,604,000 |
| Cash From Discontinued Operating Activities | - | - | $0 | $0 |
| Investing Activities | ||||
| Capital Expenditure | $-1,734,000 | $-1,194,000 | $-1,924,000 | $-1,012,000 |
| Investing Cash Flow | $-158,215,000 | $108,297,000 | $-312,756,000 | $-616,855,000 |
| Cash Flow From Continuing Investing Activities | $-158,215,000 | $108,297,000 | $-312,756,000 | $-616,855,000 |
| Net Other Investing Changes | $55,727,000 | $4,473,000 | $14,045,000 | $-8,617,000 |
| Cash From Discontinued Investing Activities | - | - | $0 | $0 |
| Financing Activities | ||||
| Repurchase Of Capital Stock | $-807,000 | $-4,000 | $-31,000 | $-11,000 |
| Financing Cash Flow | $226,550,000 | $-140,875,000 | $283,632,000 | $152,113,000 |
| Cash Flow From Continuing Financing Activities | $226,550,000 | $-140,875,000 | $283,632,000 | $152,113,000 |
| Cash Dividends Paid | $-9,873,000 | $-9,891,000 | $-9,875,000 | $-9,853,000 |
| Common Stock Dividend Paid | $-9,873,000 | $-9,891,000 | $-9,875,000 | $-9,853,000 |
| Net Common Stock Issuance | $-807,000 | $-4,000 | $-31,000 | $-11,000 |
| Net Other Financing Charges | - | $254,000 | $23,712,000 | - |
| Other | ||||
| Repayment Of Debt | $-2,422,000 | $-33,198,000 | $-295,000,000 | $-119,254,000 |
| Issuance Of Debt | $25,000,000 | $0 | $20,393,000 | $325,000,000 |
| Interest Paid Supplemental Data | $89,585,000 | $107,197,000 | $91,817,000 | $20,190,000 |
| Income Tax Paid Supplemental Data | $483,000 | $2,336,000 | $5,755,000 | $3,046,000 |
| End Cash Position | $143,607,000 | $64,505,000 | $77,553,000 | $77,859,000 |
| Beginning Cash Position | $64,505,000 | $77,553,000 | $77,859,000 | $530,167,000 |
| Changes In Cash | $79,102,000 | $-13,048,000 | $-306,000 | $-452,308,000 |
| Proceeds From Stock Option Exercised | $15,000 | $210,000 | $146,000 | $572,000 |
| Common Stock Payments | $-807,000 | $-4,000 | $-31,000 | $-11,000 |
| Net Issuance Payments Of Debt | $22,578,000 | $-33,198,000 | $-274,607,000 | $205,746,000 |
| Net Short Term Debt Issuance | $25,000,000 | $-30,000,000 | $-295,000,000 | $305,746,000 |
| Short Term Debt Payments | $0 | $-30,000,000 | $-295,000,000 | $-19,254,000 |
| Short Term Debt Issuance | $25,000,000 | $0 | - | $325,000,000 |
| Net Long Term Debt Issuance | $-2,422,000 | $-3,198,000 | $20,393,000 | $-100,000,000 |
| Long Term Debt Payments | $-2,422,000 | $-3,198,000 | $0 | $-100,000,000 |
| Net Investment Purchase And Sale | $98,072,000 | $-4,913,000 | $13,520,000 | $11,028,000 |
| Sale Of Investment | $190,155,000 | $38,153,000 | $29,397,000 | $50,469,000 |
| Purchase Of Investment | $-92,083,000 | $-43,066,000 | $-15,877,000 | $-39,441,000 |
| Net PPE Purchase And Sale | $574,000 | $2,733,000 | $-1,924,000 | $-1,012,000 |
| Sale Of PPE | $2,308,000 | $3,927,000 | $0 | $0 |
| Purchase Of PPE | $-1,734,000 | $-1,194,000 | $-1,924,000 | $-1,012,000 |
| Change In Working Capital | $9,886,000 | $-4,101,000 | $-577,000 | $10,576,000 |
| Change In Other Current Liabilities | $4,736,000 | $-3,883,000 | $11,768,000 | $-565,000 |
| Change In Other Current Assets | $5,150,000 | $-218,000 | $-12,345,000 | $11,141,000 |
| Other Non Cash Items | $-40,774,000 | $15,555,000 | $19,509,000 | $-19,965,000 |
| Stock Based Compensation | $2,904,000 | $940,000 | $712,000 | $395,000 |
| Asset Impairment Charge | $0 | $0 | $11,150,000 | $0 |
| Deferred Tax | $6,466,000 | $-4,268,000 | $-3,699,000 | $-3,300,000 |
| Deferred Income Tax | $6,466,000 | $-4,268,000 | $-3,699,000 | $-3,300,000 |
| Depreciation Amortization Depletion | $9,355,000 | $8,928,000 | $9,093,000 | $7,433,000 |
| Depreciation And Amortization | $9,355,000 | $8,928,000 | $9,093,000 | $7,433,000 |
| Gain Loss On Investment Securities | $14,777,000 | $-4,723,000 | $0 | $0 |
| Gain Loss On Sale Of PPE | $191,000 | $-463,000 | $476,000 | $684,000 |
| Gain Loss On Sale Of Business | $-32,342,000 | $0 | $0 | - |
| Net Income From Continuing Operations | $57,841,000 | $-24,665,000 | $-10,112,000 | $14,148,000 |
| Net Business Purchase And Sale | - | $0 | $0 | $-4,554,000 |
| Purchase Of Business | - | $0 | $0 | $-4,554,000 |
| Long Term Debt Issuance | - | - | $20,393,000 | $0 |
| Depreciation | - | - | - | - |
Fetched: 2026-06-17