Company Deep Dive
Business segments breakdown, earnings transcript analysis, management credibility scoring, competitive landscape, and scenario modelling.
FRST
Strong BuyFull HouseAPPROVEPrimis Financial Corp. · Financial Services · United States · $397M · Avg Vol: $3M/d
Screen-pass. Primis Financial Corp.: Q50/V68/M64, every leg clears the 50 floor; corroborated by net insider buying 0.01% of listed shares in 90d; active buyback (1 filing days). Nothing adverse known: no net insider selling and no negative forward-EPS revision. A light-tier screen-pass, not a high-conviction pick.
COMPANY DESCRIPTION
Primis Financial Corp. is the bank holding company for Primis Bank, a digitally forward regional bank operating in Virginia and Maryland. The company differentiates itself through its innovative digital banking platform, Primis Digital, which attracts nationwide deposits to fund commercial and industrial lending. This hybrid model combines the low-cost operating structure of a digital bank with the relationship-driven credit underwriting of a traditional community bank.
FINANCIAL SUMMARY (USD)
| Year | 2022 | 2023 | 2024 | 2025 | CAGR | TTM | 2026E | 2027E | Fwd CAGR |
|---|---|---|---|---|---|---|---|---|---|
| Revenue | 120.1M | 144.0M | 147.4M | 140.9M | 5.5% | 213.7M | 173.1M | 187.8M | 15.5% |
| EPS | 0.72 | 0.40 | -0.31 | 2.49 | 51.2% | 2.16 | 1.39 | 1.94 | -11.7% |
| Shares | 24.7M | 24.7M | 24.7M | 24.7M | +0.1% | 24.8M | — | — | — |
| Debt | 426.1M | 157.7M | 124.6M | 197.3M | -22.6% | 448.2M | — | — | — |
| Equity | 389.0M | 376.2M | 351.8M | 422.9M | 2.8% | — | — | — | — |
| Op CF | 12.4M | 28.8M | 19.5M | 10.8M | -4.7% | -42.7M | — | — | — |
| Inv CF | -616.9M | -312.8M | 108.3M | -158.2M | — | — | — | — | — |
| Fin CF | 152.1M | 283.6M | -140.9M | 226.6M | — | — | — | — | — |
SCORE BREAKDOWN
FUNDAMENTALS
SECTOR PEERS
Closest peers in Financial Services, ranked by industry match, size, and score similarity. Cross-listings of FRST are excluded.
| Ticker | Company | Mkt Cap | StockRank | Signal |
|---|---|---|---|---|
| FRST | Primis Financial Corp.(you) | $397M | 84 | Strong Buy |
| FMAO | Farmers & Merchants Bancorp, Inc. | $472M | 84 | Strong Buy |
| NWFL | Norwood Financial Corp. | $372M | 81 | Strong Buy |
| FNLC | The First Bancorp, Inc. | $392M | 89 | Strong Buy |
| MVBF | MVB Financial Corp. | $394M | 80 | Buy |
| CZFS | Citizens Financial Services, Inc. | $390M | 90 | Strong Buy |
| TSBK | Timberland Bancorp, Inc. | $361M | 81 | Strong Buy |
| CFFI | C&F Financial Corporation | $298M | 84 | Strong Buy |
| BPRN | Princeton Bancorp, Inc. | $288M | 85 | Strong Buy |
| CHMG | Chemung Financial Corporation | $393M | 77 | Buy |
Peer medians: ROE 9.5% · P/E 13.1x · Gross margin 100.0%