Symbols / FRST Stock $14.01 +0.65% Primis Financial Corp.

Financial Services • Banks - Regional • United States • NGM
FRST (Stock) Chart
O: — H: — L: — C: — V: —
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Stock Fundamentals
Scroll to Statements
Index EQUITY
Sector Financial Services
Industry Banks - Regional
CEO Mr. Dennis J. Zember Jr.
Exch · Country NGM · United States
Market Cap 347.06M
Enterprise Value 563.18M
Income 46.12M
Sales 198.38M
FCF (ttm) —
Book/sh 17.12
Cash/sh 6.46
Employees 593
Insider 10d —
IPO Nov 01, 2006
Div forward ($/yr)
Div TTM ($/yr)
Dividend Yield
Ex-Div Date
5Y Avg Yield
Yield vs 5Y Avg
Payout 21.39%
P/E 7.49
Forward P/E 7.31
PEG —
P/S 1.75
P/B 0.82
P/C —
EV/EBITDA —
EV/Sales 2.84
Quick Ratio —
Current Ratio —
Debt/Eq —
LT Debt/Eq —
EPS (ttm) 1.87
EPS next Y 1.92
EPS Growth -67.60%
Revenue Growth -22.70%
EPS Gr Q/Q -67.70%
Rev Gr Q/Q —
Earnings (next) 2026-07-23
Earnings (prior) 2026-04-23
ROA 1.16%
ROE 11.49%
ROIC —
Gross Margin 0.00%
Oper. Margin 25.10%
Profit Margin 23.25%
Shs Outstand 24.77M
Shs Float 23.78M
Insider Own 3.90%
Instit Own 85.77%
Short Float 1.05%
Short Ratio 0.82
Short Interest 232.44K
52W High 14.97
vs 52W High -6.41%
52W Low 9.19
vs 52W Low 52.45%
Beta 0.76
Impl. Vol. 3.02%
Rel Volume 0.18
Avg Volume 185.97K
Volume 34.00K
Target (mean) $17.08
Tgt Median $17.00
Tgt Low $16.25
Tgt High $18.00
# Analysts 3
Recom None
Prev Close $13.92
Price $14.01
Change 0.65%
About

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.

Valuation Models

Price estimates from analyst targets and simple models.

1. Analyst consensus
$17.08
Mean price target
2. Current target
$14.01
Latest analyst target
3. DCF / Fair value
$28.05
Fallback: EPS × 15 (assumed fair P/E). No FCF data; use with …
Ratings
Current target
$14.01
Low
$16.25
High
$18.00
Mean
$17.08

Latest analyst rating changes

Date Action Analyst Rating Change Price Target
2025-05-12 init Maxim Group — → Buy $1
2024-10-30 main Stephens & Co. Overweight → Overweight $14
2023-04-04 init Stephens & Co. — → Overweight $13
2023-02-01 up Piper Sandler Neutral → Overweight $14
News
RSS: Latest FRST news
Insider Transactions
Filed Date Insider Relationship Transaction Shares Price Value SEC
2026-03-12 BIAGAS JOHN FITZGERALD Director — 1,925 $12.80 $24,640
2026-03-11 BIAGAS JOHN FITZGERALD Director — 1,550 $12.75 $19,768
2026-03-09 LEIBSON MARIE TAYLOR Officer — 5,500 $11.99 $65,945
2026-03-06 DIAZ DEBORAH Director — 1,050 $12.77 $13,408
2026-03-05 ZEMBER DENNIS JAMES JR Chief Executive Officer — 50,964 — —
2026-03-05 LEIBSON MARIE TAYLOR Officer — 3,469 — —
2026-03-05 WOOD CHERYL Officer — 3,469 — —
2026-03-05 SWITZER MATTHEW ALAN Chief Financial Officer — 5,219 — —
2026-03-05 GORE ANN-STANTON C Officer — 1,969 — —
2026-03-05 FULK RICKEY ALLEN President — 2,297 — —
Financials
Statement View
Amounts in millions (2 decimals, no suffix) • EPS per share (2 decimals) • Trend = period evolution • YoY Growth = previous period %
Line Item Trend 2025-12-31 2024-12-31 2023-12-31 2022-12-31
Total Revenue
140.86
-4.41%
147.36
+2.36%
143.96
+19.92%
120.05
Operating Revenue
140.86
-4.41%
147.36
+2.36%
143.96
+19.92%
120.05
Selling General And Administration
84.95
+19.52%
71.07
+11.90%
63.51
+19.92%
52.96
Selling And Marketing Expense
2.16
+13.12%
1.91
+4.78%
1.82
-40.69%
3.07
General And Administrative Expense
82.79
+19.70%
69.16
+12.11%
61.69
+23.65%
49.90
Salaries And Wages
79.06
+18.68%
66.61
+13.36%
58.77
+19.92%
49.01
Other Gand A
—
—
—
—
Reconciled Depreciation
9.36
+4.78%
8.93
-1.81%
9.09
+22.33%
7.43
Total Unusual Items
82.49
+5334.26%
-1.58
+89.45%
-14.94
-1785.98%
-0.79
Total Unusual Items Excluding Goodwill
82.49
+5334.26%
-1.58
+89.45%
-14.94
-1785.98%
-0.79
Special Income Charges
82.49
+5334.26%
-1.58
+89.45%
-14.94
-1785.98%
-0.79
Other Special Charges
-50.15
-3282.11%
1.58
-58.38%
3.79
+378.16%
0.79
Impairment Of Capital Assets
0.00
0.00
-100.00%
11.15
0.00
Net Income
61.44
+479.16%
-16.20
-106.91%
-7.83
-155.36%
14.15
Pretax Income
72.55
+351.03%
-28.90
-158.55%
-11.18
-164.50%
17.33
Net Interest Income
111.43
+6.91%
104.22
+5.58%
98.71
-2.94%
101.70
Interest Expense
89.01
-16.61%
106.75
+13.67%
93.91
+335.02%
21.59
Interest Income
200.44
-4.99%
210.97
+9.53%
192.62
+56.24%
123.29
Gain On Sale Of Security
-13.28
-380.84%
4.73
-74.17%
18.30
+283.41%
4.77
Gain On Sale Of Business
32.34
0.00
0.00
—
Tax Provision
14.71
+447.17%
-4.24
-297.19%
-1.07
-133.50%
3.19
Tax Rate For Calcs
0.00
+38.30%
0.00
+53.62%
0.00
-48.06%
0.00
Tax Effect Of Unusual Items
16.73
+7338.98%
-0.23
+83.79%
-1.43
-879.63%
-0.15
Net Income Including Noncontrolling Interests
57.84
+334.51%
-24.66
-143.92%
-10.11
-171.47%
14.15
Net Income From Continuing Operation Net Minority Interest
61.44
+479.16%
-16.20
-106.91%
-7.83
-155.36%
14.15
Net Income From Continuing And Discontinued Operation
61.44
+479.16%
-16.20
-106.91%
-7.83
-155.36%
14.15
Net Income Continuous Operations
57.84
+334.51%
-24.66
-143.92%
-10.11
-171.47%
14.15
Net Income Discontinuous Operations
—
—
0.00
0.00
Minority Interests
3.60
-57.42%
8.46
+271.05%
2.28
0.00
Normalized Income
-4.32
+70.92%
-14.86
-361.65%
5.68
-61.61%
14.79
Net Income Common Stockholders
61.44
+479.16%
-16.20
-106.91%
-7.83
-155.36%
14.15
Diluted EPS
2.49
+903.23%
-0.31
-177.50%
0.40
-44.44%
0.72
Basic EPS
2.49
+903.23%
-0.31
-177.50%
0.40
-44.44%
0.72
Basic Average Shares
24.67
-0.08%
24.69
+0.20%
24.64
+0.31%
24.56
Diluted Average Shares
24.68
-0.02%
24.69
+0.01%
24.69
+0.07%
24.67
Diluted NI Availto Com Stockholders
61.44
+479.16%
-16.20
-106.91%
-7.83
-155.36%
14.15
Average Dilution Earnings
0.00
0.00
0.00
—
Amortization
0.60
-52.41%
1.26
-0.32%
1.27
-4.23%
1.32
Amortization Of Intangibles Income Statement
0.60
-52.41%
1.26
-0.32%
1.27
-4.23%
1.32
Depreciation Amortization Depletion Income Statement
0.60
-52.41%
1.26
-0.32%
1.27
-4.23%
1.32
Depreciation And Amortization In Income Statement
0.60
-52.41%
1.26
-0.32%
1.27
-4.23%
1.32
Insurance And Claims
3.73
+46.37%
2.55
-12.97%
2.93
+229.10%
0.89
Occupancy And Equipment
14.35
+12.64%
12.74
+0.97%
12.62
+16.22%
10.86
Other Non Interest Expense
27.73
-3.05%
28.61
+11.66%
25.62
+23.63%
20.72
Professional Expense And Contract Services Expense
10.88
+4.75%
10.38
+123.74%
4.64
-3.05%
4.79
Line Item Trend 2025-12-31
Total Assets
4,047.39
Cash And Cash Equivalents
143.61
Cash Financial
9.69
Other Short Term Investments
159.81
Receivables
—
Accounts Receivable
—
Net PPE
71.67
Gross PPE
82.93
Accumulated Depreciation
-11.26
Land And Improvements
0.00
Buildings And Improvements
4.26
Machinery Furniture Equipment
12.12
Construction In Progress
0.00
Other Properties
65.60
Leases
0.95
Goodwill And Other Intangible Assets
98.73
Goodwill
93.46
Other Intangible Assets
5.28
Investments And Advances
185.26
Long Term Equity Investment
6.90
Total Liabilities Net Minority Interest
3,624.49
Long Term Debt And Capital Lease Obligation
197.28
Long Term Debt
135.94
Long Term Capital Lease Obligation
61.34
Stockholders Equity
422.90
Common Stock Equity
422.90
Capital Stock
0.25
Common Stock
0.25
Preferred Stock
0.00
Share Issued
24.77
Ordinary Shares Number
24.70
Treasury Shares Number
0.08
Additional Paid In Capital
316.51
Retained Earnings
109.62
Gains Losses Not Affecting Retained Earnings
-2.67
Treasury Stock
0.81
Minority Interest
0.00
Other Equity Adjustments
-2.67
Total Equity Gross Minority Interest
422.90
Total Capitalization
558.83
Invested Capital
558.83
Total Debt
197.28
Net Debt
—
Capital Lease Obligations
61.34
Net Tangible Assets
324.16
Tangible Book Value
324.16
Available For Sale Securities
11.57
Cash Cash Equivalents And Federal Funds Sold
143.61
Derivative Product Liabilities
—
Held To Maturity Securities
6.98
Line Item Trend 2025-12-31 2024-12-31 2023-12-31 2022-12-31
Operating Cash Flow
10.77
-44.87%
19.53
-32.23%
28.82
+131.77%
12.43
Cash Flow From Continuing Operating Activities
10.77
-44.87%
19.53
-32.23%
28.82
+131.77%
12.43
Cash From Discontinued Operating Activities
—
—
0.00
0.00
Net Income From Continuing Operations
57.84
+334.51%
-24.66
-143.92%
-10.11
-171.47%
14.15
Depreciation Amortization Depletion
9.36
+4.78%
8.93
-1.81%
9.09
+22.33%
7.43
Depreciation
—
—
—
—
Depreciation And Amortization
9.36
+4.78%
8.93
-1.81%
9.09
+22.33%
7.43
Other Non Cash Items
-40.77
-362.13%
15.55
-20.27%
19.51
+197.72%
-19.96
Stock Based Compensation
2.90
+208.94%
0.94
+32.02%
0.71
+80.25%
0.40
Asset Impairment Charge
0.00
0.00
-100.00%
11.15
0.00
Deferred Tax
6.47
+251.50%
-4.27
-15.38%
-3.70
-12.09%
-3.30
Deferred Income Tax
6.47
+251.50%
-4.27
-15.38%
-3.70
-12.09%
-3.30
Operating Gains Losses
-47.50
-101.93%
-23.52
+19.49%
-29.21
-239.55%
-8.60
Gain Loss On Investment Securities
14.78
+412.87%
-4.72
0.00
0.00
Gain Loss On Sale Of PPE
0.19
+141.25%
-0.46
-197.27%
0.48
-30.41%
0.68
Change In Working Capital
9.89
+341.06%
-4.10
-610.75%
-0.58
-105.46%
10.58
Change In Other Current Assets
5.15
+2462.39%
-0.22
+98.23%
-12.35
-210.81%
11.14
Change In Other Current Liabilities
4.74
+221.97%
-3.88
-133.00%
11.77
+2182.83%
-0.56
Investing Cash Flow
-158.22
-246.09%
108.30
+134.63%
-312.76
+49.30%
-616.86
Cash Flow From Continuing Investing Activities
-158.22
-246.09%
108.30
+134.63%
-312.76
+49.30%
-616.86
Cash From Discontinued Investing Activities
—
—
0.00
0.00
Net PPE Purchase And Sale
0.57
-79.00%
2.73
+242.05%
-1.92
-90.12%
-1.01
Purchase Of PPE
-1.73
-45.23%
-1.19
+37.94%
-1.92
-90.12%
-1.01
Sale Of PPE
2.31
-41.23%
3.93
0.00
0.00
Capital Expenditure
-1.73
-45.23%
-1.19
+37.94%
-1.92
-90.12%
-1.01
Net Investment Purchase And Sale
98.07
+2096.17%
-4.91
-136.34%
13.52
+22.60%
11.03
Purchase Of Investment
-92.08
-113.82%
-43.07
-171.25%
-15.88
+59.74%
-39.44
Sale Of Investment
190.16
+398.40%
38.15
+29.79%
29.40
-41.75%
50.47
Net Business Purchase And Sale
—
0.00
0.00
+100.00%
-4.55
Purchase Of Business
—
0.00
0.00
+100.00%
-4.55
Gain Loss On Sale Of Business
-32.34
0.00
0.00
—
Net Other Investing Changes
55.73
+1145.85%
4.47
-68.15%
14.04
+262.99%
-8.62
Financing Cash Flow
226.55
+260.82%
-140.88
-149.67%
283.63
+86.46%
152.11
Cash Flow From Continuing Financing Activities
226.55
+260.82%
-140.88
-149.67%
283.63
+86.46%
152.11
Net Issuance Payments Of Debt
22.58
+168.01%
-33.20
+87.91%
-274.61
-233.47%
205.75
Issuance Of Debt
25.00
0.00
-100.00%
20.39
-93.73%
325.00
Repayment Of Debt
-2.42
+92.70%
-33.20
+88.75%
-295.00
-147.37%
-119.25
Long Term Debt Issuance
—
—
20.39
0.00
Long Term Debt Payments
-2.42
+24.27%
-3.20
0.00
+100.00%
-100.00
Net Long Term Debt Issuance
-2.42
+24.27%
-3.20
-115.68%
20.39
+120.39%
-100.00
Short Term Debt Issuance
25.00
0.00
—
325.00
Short Term Debt Payments
0.00
+100.00%
-30.00
+89.83%
-295.00
-1432.15%
-19.25
Net Short Term Debt Issuance
25.00
+183.33%
-30.00
+89.83%
-295.00
-196.49%
305.75
Net Common Stock Issuance
-0.81
-20075.00%
-0.00
+87.10%
-0.03
-181.82%
-0.01
Common Stock Payments
-0.81
-20075.00%
-0.00
+87.10%
-0.03
-181.82%
-0.01
Common Stock Dividend Paid
-9.87
+0.18%
-9.89
-0.16%
-9.88
-0.22%
-9.85
Cash Dividends Paid
-9.87
+0.18%
-9.89
-0.16%
-9.88
-0.22%
-9.85
Repurchase Of Capital Stock
-0.81
-20075.00%
-0.00
+87.10%
-0.03
-181.82%
-0.01
Proceeds From Stock Option Exercised
0.01
-92.86%
0.21
+43.84%
0.15
-74.48%
0.57
Net Other Financing Charges
—
0.25
-98.93%
23.71
—
Changes In Cash
79.10
+706.24%
-13.05
-4164.05%
-0.31
+99.93%
-452.31
Beginning Cash Position
64.50
-16.82%
77.55
-0.39%
77.86
-85.31%
530.17
End Cash Position
143.61
+122.63%
64.50
-16.82%
77.55
-0.39%
77.86
Free Cash Flow
9.03
-50.74%
18.34
-31.82%
26.89
+135.46%
11.42
Interest Paid Supplemental Data
89.58
-16.43%
107.20
+16.75%
91.82
+354.76%
20.19
Income Tax Paid Supplemental Data
0.48
-79.32%
2.34
-59.41%
5.75
+88.94%
3.05
SEC Filings

Recent 10-K, 10-Q, 8-K, and Form 4 (insider) filings.

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