Primis Financial/$FRST
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Capital at risk
About Primis Financial
Primis Financial Corp is the bank holding company for Primis Bank, providing financial services to individuals and small and medium-sized businesses. Primis Bank offers a wide range of commercial banking services, It focuses on making loans secured mainly by commercial real estate and other types of secured and unsecured commercial loans to small and medium-sized businesses in several industries, as well as loans to individuals for a variety of purposes. The company has two reportable segments: Primis Bank. This segment specializes in providing financing services to businesses in various industries along with consumer and residential loans to individuals. Primis Mortgage. This segment specializes in originating mortgages in a majority of the U.S. The revenue is from Primis Bank.
- Ticker
- $FRST
- Sector
- Finance
- Primary listing
- NASDAQ
- Employees
- 593
- Headquarters
- McLean, United States
- Website
- www.primisbank.com
Primis Financial Metrics
BasicAdvanced
$394M
7.39
$2.15
0.72
$0.40
2.51%
Price and volume
Market cap
$394M
Beta
0.72
52-week high
$16.88
52-week low
$9.55
Average daily volume
162K
Dividend rate
$0.40
Financial strength
Dividend payout ratio (TTM)
18.77%
Profitability
Net profit margin (TTM)
24.85%
Operating margin (TTM)
33.60%
Effective tax rate (TTM)
21.27%
Revenue per employee (TTM)
$360,000
Management effectiveness
Return on assets (TTM)
1.29%
Return on equity (TTM)
13.11%
Valuation
Price to earnings (TTM)
7.394
Price to revenue (TTM)
1.837
Price to book
0.91
Price to tangible book (TTM)
1.16
Price to free cash flow (TTM)
-8.736
Free cash flow yield (TTM)
-11.45%
Free cash flow per share (TTM)
-1.822
Dividend yield (TTM)
2.51%
Forward dividend yield
2.51%
Growth
Revenue change (TTM)
67.53%
Earnings per share change (TTM)
1,839.91%
3-year revenue growth (CAGR)
20.20%
3-year earnings per share growth (CAGR)
67.27%
10-year earnings per share growth (CAGR)
10.13%
10-year dividend per share growth (CAGR)
2.26%
Bulls say / Bears say
Profitability is improving sharply. Second-quarter net interest income rose 34.1% year on year to $33.8 million, helped by net interest margin widening to 3.45% from 2.86%, while loans held for investment grew 11% year on year. (Primis Financial, Last10K)
Credit quality improved materially in the latest quarter. Non-performing assets fell 37%, and the allowance-to-non-performing-asset ratio increased to 73%, suggesting better protection against existing problem loans. (Primis Financial, Last10K)
Primis is building additional earnings engines beyond its core bank. Mortgage-related non-interest income rose 44% year on year, while management expects its digital core conversion to deliver about $6.1 million of annual earnings improvements as it rolls out. (Yahoo Finance, FRST Earnings Call Transcript)
Credit costs remain a clear risk. Primis booked a $5.5 million provision in the second quarter, including a $5.3 million specific reserve for one non-accrual loan, while core net charge-offs rose to 53 basis points from 6 basis points a year earlier. (Barchart, Primis Financial)
Funding has become less deposit-led. Federal Home Loan Bank advances rose to $300 million at 30 June from $25 million at the end of 2025, while year-on-year deposit growth was only 3.1%, leaving earnings more exposed to wholesale funding costs. (Last10K, Primis Financial)
The headline profit recovery is not yet fully proven. Second-quarter results included a $5.9 million pre-tax gain from selling an insurance investment, while net income for the first half of 2026 fell to $16.7 million from $25.1 million a year earlier. (Primis Financial, Last10K)
Data summarised monthly by Lightyear AI. Last updated on 18 Sept 2026.
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Primis Financial News
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Funds containing Primis Financial
Fund name | Fund size | $FRST weighting |
|---|---|---|
SPDR Russell 2000 US Small Cap€R2US | €4.8B | 0.01% |
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