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Primis Financial Corp.

FRST Financial Banks Regional

Primis Financial Corp.’s revenue for fiscal 2025 (year ended December 2025) was $312.8 million, up 23.1% from fiscal 2024. In the quarter to June 2026, revenue grew 19.3%, EPS grew 285.0%, free cash flow grew 85.4% and total debt fell 27.8%, each against the same quarter a year earlier. Dividend growth for five consecutive years, revenue growth for three; insiders bought in the last twelve months.

15.47 0.03 +0.19%
Market cap
$382.9M
P/E
7.2×
Fwd P/E
12.8×
Dividend yield
0.00%
F-score
8/9
Altman Z
n/a
Beneish M
n/a
Dividend safety
n/a
Overview Business Profile Financial Analysis Income Statement Balance Sheet Cash Flow Metrics & Ratios 10-Q 10-K

Insider Decisions trades per month

Total buys 0.40
Totals in millions of $.
Dec 25 Mar 26 Jun 26 Sep 26
Buy 2 1 — 3 3 — 3 7 — 2 3 —
Sell — — — — — — — — — — — —
Insider Ownership 16.55%

Capital & Financial Ratios $m

Market Cap 382.90
Revenue 312.51
Net Income 53.11
Free Cash Flow (41.89)
Net Debt (107.47)
Current Ratio 1.02
Debt/Equity 0.16
P/E ratio 7.16
Fwd P/E 12.80
P/S ratio 1.22
P/B ratio 0.88
Past 5Y EPS Growth 21.00% (at or above 15%: strong)
This Y EPS Growth 253.73% (at or above 15%: strong)
Next Y EPS Growth 39.49% (at or above 15%: strong)
Next Y revenue growth (24.91%) (below 0%: weak)
Next 5Y EPS Growth 80.67% (at or above 15%: strong)

Green and red mark values outside typical ranges. How we judge →

Valuation vs history

P/E against its own 10 years 3.40%
10-year low 10-year high
P/S against its own 10 years 24.73%
10-year low 10-year high
P/B against its own 10 years 53.34%
10-year low 10-year high

Dividends

Payout Ratio 0.00
Annual Dividend Rate 0.00
Annual Dividend Yield 0.00%
total individual payouts
2024 0.20
0.10
0.10
2023 0.40
0.10
0.10
0.10
0.10
2022 0.40
0.10
0.10
0.10
0.10
2021 0.40
0.10
0.10
0.10
0.10
2020 0.40
0.10
0.10
0.10
0.10
2019 0.36
0.09
0.09
0.09
0.09
2018 0.32
0.08
0.08
0.08
0.08
2017 0.32
0.08
0.08
0.08
0.08
2016 0.32
0.08
0.08
0.08
0.08
special payouts not included in total or ratios

Assets vs Liabilities $m

2023 2024 2025 Q'26
Cash 78 65 144 177
Receivables — — — —
Inventory — — — —
Other — — — —
3,302 3,145 3,547 3,847
2023 2024 2025 Q'26
Payables 3,270 3,171 3,396 3,446
ST’ Debt — — — —
Other — — — —
3,294 3,192 3,439 3,764

Compound Annual Growth %

10y 5y 3y
Sales 20.75% 18.77% 30.22%
Cash Flow (1.26%) (17.86%) (4.68%)
Earnings 20.80% 21.74% 63.15%
Book Value 13.46% 1.60% 2.83%

Revenue $m

Mar Jun Sep Dec Year
’26 67 78 — — —
’25 80 66 64 103 313
’24 61 63 66 64 254
’23 62 59 58 59 238
’22 29 31 36 47 142
’21 33 29 30 32 124
’20 31 37 31 33 132
Fiscal quarters ending in the months shown.

Operating Cash Flow $m

Mar Jun Sep Dec Year
’26 (54) (6) — — —
’25 34 (41) (11) 29 11
’24 (1) 52 6 (38) 20
’23 (12) (24) (1) 65 29
’22 3 9 11 (11) 12
’21 9 5 9 5 28
’20 10 1 (1) 19 29
Fiscal quarters ending in the months shown.

Free Cash Flow $m

Mar Jun Sep Dec Year
’26 (55) (6) — — —
’25 35 (41) (11) 29 11
’24 (1) 54 9 (35) 22
’23 (12) (25) (1) 65 27
’22 3 9 11 (10) 13
’21 9 3 10 5 27
’20 10 35 (34) 20 30
Fiscal quarters ending in the months shown.

EPS $

Mar Jun Sep Dec Year
’26 0.30 0.38 — — —
’25 0.77 0.10 0.28 1.20 2.49
’24 0.10 0.14 0.05 (1.06) (0.31)
’23 0.34 (0.08) (0.24) 0.33 0.40
’22 0.19 0.20 0.12 0.09 0.57
’21 0.38 0.42 0.16 0.31 1.27
’20 0.00 0.19 0.39 0.37 0.96
Fiscal quarters ending in the months shown.

Target Price Range

Analyst price targets

Recommendation Rating

1
1Buy 2 3Hold 4 5Sell

Ten years at a glance Fiscal years to December

Group Line 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 Trend 2026e 2027e 2028e
Price, $
Price, $ Low 11.60 15.12 12.87 13.12 7.58 11.60 11.66 7.01 9.52 7.59

Analyst estimates 2026–2028

Powerpack
High 16.78 18.48 18.24 16.85 16.41 16.54 16.15 12.99 13.69 13.94
People
People Employees 162 393 348 350 382 418 565 528 592 593
Revenue/emp, $m 0.32 0.23 0.37 0.38 0.35 0.30 0.25 0.45 0.43 0.53
Income, $m
Income, $m Revenue 52 89 129 132 132 124 142 238 254 313
Gross margin, % 83.32 82.41 78.44 72.01 80.25 84.68 84.76 60.52 57.99 71.54
EBT 15 16 43 38 19 40 17 (11) (29) 73
EBT margin, % 29.76 17.50 33.54 28.85 14.14 31.84 12.24 (4.70) (11.37) 23.20
Net income 10 2 34 32 15 31 14 (10) (25) 58
Depreciation 2 5 8 6 4 6 8 20 9 10
Per share, $
Per share, $ Revenue 4.23 4.84 5.38 5.49 5.46 5.09 5.77 9.65 10.29 12.68
Earnings 0.84 0.13 1.40 1.38 0.96 1.28 0.72 0.40 (0.31) 2.49
Cash flow 1.47 1.34 1.73 1.54 1.19 1.13 0.51 1.17 0.79 0.44
Capex 0.13 (0.01) 0.10 (0.04) 0.07 (0.02) 0.00 (0.08) 0.11 0.02
Free cash flow 1.61 1.32 1.82 1.50 1.25 1.11 0.51 1.09 0.90 0.46
Book value 10.31 17.55 14.50 15.69 16.11 16.78 15.84 16.14 14.78 17.14
Shares, m 12 18 24 24 24 24 25 25 25 25
Valuation, ×
Valuation, × P/E 19.20 178.33 9.44 11.85 12.60 11.75 19.85 36.86 0.00 5.92
P/S 3.86 3.32 2.46 2.98 2.22 2.96 2.04 1.31 1.13 1.10
P/B 1.58 0.91 0.91 1.04 0.75 0.90 0.74 0.79 0.79 0.81
EV/Sales 3.14 3.67 2.68 4.09 2.36 0.26 4.46 1.52 1.26 0.95
EV/FCF 8.26 13.42 7.90 14.94 10.30 1.19 50.49 13.40 11.69 16.30
Cash, $m
Cash, $m Operating cash flow 18 25 41 37 29 28 12 29 20 11
Capex 2 0 2 (1) 2 0 0 (2) 3 1
Free cash flow 20 24 44 36 30 27 13 27 22 11
Balance, $m
Balance, $m Working capital (39) (138) (85) 78 172 66 289 9 (47) 109
Total debt 95 57 57 178 215 195 420 126 96 96
Net debt (47) 31 28 146 19 (335) 342 48 31 (47)
Shareholders’ equity 126 323 348 377 391 410 389 398 365 423
Returns, %
Returns, % ROA 0.95 0.13 1.27 1.22 0.79 0.96 0.41 (0.21) (0.43) 1.59
ROIC 12.54 4.41 7.19 4.54 2.86 33.02 1.48 (1.57) (4.56) 12.08
ROE 8.38 1.08 10.04 9.14 5.99 7.77 3.54 (1.99) (4.25) 15.60
Negative figures in brackets.

All 10 years →

Fiscal years to Dec 2025 · latest quarter Jun 2026

Charts ten years each

Primis Financial Corp. vs peers in Banks Regional (Q) = latest quarter vs a year earlier

Company Market cap P/E Fwd P/E Revenue growth (Q) EPS growth (Q) FCF growth (Q) Gross margin (Q) EBIT margin (Q) Compare
ISTR Investar Holding Corporation $395.3M 16.4× 10.1× +48.21% (above 0%: growing) +39.13% (above 0%: growing) +108.35% (above 0%: growing) 64.92% 0.00% Compare
PCB PCB Bancorp $390.4M 9.6× 8.7× +1.21% (above 0%: growing) +15.87% (above 0%: growing) −67.53% (below 0%: shrinking) 57.65% 0.00% Compare
CHMG Chemung Financial Corp $383.8M 11.6× 9.9× +85.38% (above 0%: growing) n/m −18.05% (below 0%: shrinking) 75.31% 0.00% Compare
PKBK Parke Bancorp, Inc. $383.7M 8.3× — +9.73% (above 0%: growing) +48.57% (above 0%: growing) −12.38% (below 0%: shrinking) 60.74% 0.00% Compare
FRST Primis Financial Corp. $382.9M 7.2× 12.8× +19.34% (above 0%: growing) +285.01% (above 0%: growing) +85.35% (above 0%: growing) 71.20% 0.00%
FNLC First Bancorp, Inc (ME) $381.4M 10.1× 10.2× +1.24% (above 0%: growing) +17.81% (above 0%: growing) −281.41% (below 0%: shrinking) 58.03% 0.00% Compare
NECB Northeast Community Bancorp Inc. $381.0M 8.6× 8.3× −5.64% (below 0%: shrinking) −11.76% (below 0%: shrinking) −14.85% (below 0%: shrinking) 68.91% 0.00% Compare
CZFS Citizens Financial Services Inc. $380.6M 9.4× 7.9× +2.61% (above 0%: growing) +20.45% (above 0%: growing) −106.85% (below 0%: shrinking) 68.26% 0.00% Compare
MVBF Mvb Financial Corp. $377.0M 9.6× 12.3× +33.88% (above 0%: growing) +493.75% (above 0%: growing) −42.33% (below 0%: shrinking) 75.80% 0.00% Compare
Median of peers $382.5M 9.6× 9.9× +6.17% +20.45% −30.19% 66.59% 0.00%

All 323 Banks Regional stocks →

Primis Financial Corp. (FRST) key facts

  • Strength: Primis Financial Corp.’s revenue for fiscal 2025 (year ended December 2025) was $312.8 million, up 23.1% from fiscal 2024.
  • Primis Financial Corp. (FRST) is a Banks Regional company in the Financial sector, listed on Nasdaq.
  • As of October 16, 2026, FRST traded at $15.47, a market capitalization of $382.9 million.
  • Primis Financial Corp. does not currently pay a dividend.
  • Return on equity was 15.6% and debt-to-equity 0.16.
  • Its Piotroski F-score is 8 out of 9 for fiscal 2025.

Source: company filings (standardised) and stockrow calculations.

Primis Financial Corp. (FRST) Latest News

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stockrow.com/FRST · Data as of Jun 30, 2026 · For information only; not investment advice. · © 2026 stockrow.com