Primis Financial Corp. FRST R2K
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.
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Valuation
Profitability & Returns
Balance Sheet & Liquidity
Ownership
Financial Snapshot
Growth (CAGR)
PROS
- Excellent profit margin of 23.2%.
- Profit CAGR of 63.2% over 5 years.
- Attractive dividend yield of 2.77%.
- In a confirmed uptrend (50-DMA above 200-DMA).
CONS
No notable concerns flagged.
* The pros and cons are auto-generated from financial metrics.
Price Chart
Technical Trend
Computed from daily close history using EMA cross, slope, and RSI signals.
Note: intraday data is not stored locally. “Hourly” uses the most recent 10 daily candles as a short-term proxy.
Fundamental Growth
No fundamental data available for this stock.
Figures from the latest reported periods. CAGR is computed across the displayed window (quarterly CAGR is annualised assuming 4 quarters per year).
Peer comparison
Peer companies in the same sector (Financial Services).
| # | Name | CMP $ | P/E | Mkt Cap | Div Yld % | ROCE % | ROE % | Rev CAGR 5Y % | Profit CAGR 5Y % |
|---|---|---|---|---|---|---|---|---|---|
| 1 | FRST Primis Financial Corp. R2K | 14.43 | 7.72 | $357.46M | 2.77% | - | 11.49% | 5.47% | 63.15% |
| 2 | JPM JPMorgan Chase & Co. SPX | 299.31 | 14.33 | $802.00B | 2.00% | - | 16.47% | 12.50% | 14.83% |
| 3 | V Visa Inc. SPX | 326.36 | 28.48 | $620.65B | 0.82% | 38.38% | 60.35% | 10.92% | 10.28% |
| 4 | MA Mastercard Incorporated SPX | 493.98 | 28.57 | $436.47B | 0.70% | 61.47% | - | 13.82% | 14.66% |
| 5 | MS Morgan Stanley SPX | 208.00 | 18.84 | $328.08B | 1.92% | - | 16.39% | 9.52% | 15.20% |
| 6 | GS The Goldman Sachs Group, Inc. SPX | 1,025.56 | 18.73 | $302.55B | 1.76% | - | 14.55% | 7.16% | 15.11% |
| 7 | WFC Wells Fargo & Company SPX | 77.54 | 11.98 | $237.29B | 2.32% | - | 12.03% | 4.02% | 15.98% |
| 8 | BLK BlackRock, Inc. SPX | 1,046.88 | 26.32 | $162.51B | 2.19% | 4.89% | 11.90% | 10.65% | 2.36% |
| 9 | SCHW The Charles Schwab Corporation SPX | 87.35 | 17.37 | $151.91B | 1.47% | - | 19.08% | 4.83% | 7.21% |
Quarterly Results
Figures in USD.
| Metric | Sep 2015 | Dec 2015 | Mar 2016 | Jun 2016 | Sep 2016 | Dec 2016 | Mar 2017 | Jun 2017 | Sep 2017 | Dec 2017 | Mar 2018 | Jun 2018 | Sep 2018 | Dec 2018 | Mar 2019 | Jun 2019 | Sep 2019 | Dec 2019 | Mar 2020 | Jun 2020 | Sep 2020 | Dec 2020 | Mar 2021 | Jun 2021 | Sep 2021 | Mar 2022 | Jun 2022 | Sep 2022 | Mar 2023 | Jun 2023 | Sep 2023 | Mar 2024 | Jun 2024 | Sep 2024 | Dec 2024 | Mar 2025 | Jun 2025 | Sep 2025 | Dec 2025 | Mar 2026 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | 58.70M | 35.76M | 40.71M | 30.27M | 45.63M |
| Cost of Revenue | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - |
| Gross Profit | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - |
| Operating Expenses | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - |
| Operating Income | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - |
| EBITDA | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - |
| Interest Expense | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | 21.36M | 22.45M | 22.73M | 22.47M | 21.45M |
| Pretax Income | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | 24.59M | 2.96M | 8.74M | 36.27M | 10.33M |
| Tax Provision | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | 5.55M | 528.00K | 1.91M | 6.72M | 3.01M |
| Net Income | 2.48M | 2.34M | 2.05M | 2.79M | 2.77M | 2.19M | 2.05M | -2.84M | 4.37M | -1.16M | 8.26M | 8.87M | 8.86M | 7.70M | 6.02M | 9.32M | 8.86M | 8.96M | 27.00K | 4.71M | 9.59M | 8.96M | 9.38M | 10.28M | 3.94M | 4.59M | 4.95M | 5.03M | 8.36M | -1.99M | -6.03M | 2.47M | 3.44M | - | - | 22.64M | 2.44M | 6.83M | 29.54M | 7.31M |
| Diluted EPS | 0.20 | 0.19 | 0.16 | 0.23 | 0.22 | 0.18 | 0.16 | -0.21 | 0.18 | -0.05 | 0.34 | 0.37 | 0.36 | 0.32 | 0.25 | 0.38 | 0.36 | 0.37 | 0.00 | 0.19 | 0.39 | 0.37 | 0.38 | 0.42 | - | - | 0.20 | 0.20 | 0.34 | -0.08 | -0.24 | 0.10 | 0.14 | - | - | 0.11 | 0.34 | 0.28 | 1.20 | 0.33 |
Profit & Loss (Annual)
Figures in USD.
| Metric | Dec 2009 | Dec 2010 | Dec 2011 | Dec 2012 | Dec 2013 | Dec 2014 | Dec 2015 | Dec 2016 | Dec 2017 | Dec 2018 | Dec 2019 | Dec 2020 | Dec 2021 | Dec 2022 | Dec 2023 | Dec 2024 | Dec 2025 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | - | - | - | - | - | - | - | - | - | - | - | - | - | 120.05M | 143.96M | 147.36M | 140.86M |
| Cost of Revenue | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - |
| Gross Profit | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - |
| Operating Expenses | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - |
| Operating Income | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - |
| EBITDA | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - |
| Interest Expense | - | - | - | - | - | - | - | - | - | - | - | - | - | 21.59M | 93.91M | 106.75M | 89.01M |
| Pretax Income | - | - | - | - | - | - | - | - | - | - | - | - | - | 17.33M | -11.18M | -28.90M | 72.55M |
| Tax Provision | - | - | - | - | - | - | - | - | - | - | - | - | - | 3.19M | -1.07M | -4.24M | 14.71M |
| Net Income | -4.68M | 4.05M | 4.40M | 6.57M | 6.26M | 7.48M | 9.29M | 10.31M | 2.42M | 33.69M | 33.17M | 23.29M | - | 14.15M | -7.83M | -16.20M | 61.44M |
| Diluted EPS | - | 0.35 | 0.38 | 0.57 | 0.54 | 0.63 | 0.75 | 0.83 | 0.13 | 1.39 | 1.36 | 0.96 | - | 0.72 | 0.40 | -0.31 | 2.49 |
Compounded Sales Growth
| 5 Years: | 5.47% |
| 1 Year: | -22.70% |
Compounded Profit Growth
| 5 Years: | 63.15% |
| 1 Year: | -67.60% |
Stock Price Performance
| 1 Year: | +57.41% |
| 6 Months: | +31.25% |
| 3 Months: | +9.99% |
| 1 Month: | -0.41% |
Balance Sheet (Annual)
Figures in USD.
| Metric | Dec 2008 | Dec 2009 | Dec 2010 | Dec 2011 | Dec 2012 | Dec 2013 | Dec 2014 | Dec 2015 | Dec 2016 | Dec 2017 | Dec 2018 | Dec 2019 | Dec 2020 | Dec 2021 | Dec 2022 | Dec 2023 | Dec 2024 | Dec 2025 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Total Assets | - | - | 586.65M | 611.37M | 723.81M | 716.18M | 916.64M | 1.04B | 1.14B | 2.61B | 2.70B | 2.72B | 3.09B | - | 3.57B | 3.86B | 3.69B | 4.05B |
| Current Assets | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - |
| Cash & Equivalents | 14.76M | 8.07M | 9.74M | 5.04M | 39.20M | 20.86M | 38.32M | 30.34M | 47.39M | 25.46M | 28.61M | 31.93M | 196.19M | - | 77.86M | 77.55M | 64.50M | 143.61M |
| Inventory | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - |
| Receivables | - | - | - | - | - | - | - | - | - | - | - | - | - | 11.88M | - | - | - | - |
| Total Liabilities | - | - | 492.32M | 512.32M | 620.64M | 609.57M | 802.67M | 916.47M | 1.02B | 2.29B | 2.35B | 2.34B | 2.70B | - | 3.18B | 3.46B | 3.33B | 3.62B |
| Current Liabilities | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - |
| Long Term Debt | - | - | - | - | - | - | - | - | - | - | - | - | - | - | 420.31M | 145.99M | 113.07M | 135.94M |
| Total Debt | - | - | - | - | - | - | - | - | - | - | - | - | - | - | 426.08M | 157.67M | 124.64M | 197.28M |
| Total Equity | 68.78M | 90.09M | 94.33M | 99.05M | 103.18M | 106.61M | 113.98M | 119.64M | 126.34M | 322.77M | 348.29M | 377.24M | 390.55M | - | 388.97M | 376.16M | 351.76M | 422.90M |
| Shares Outstanding | - | - | - | - | - | - | - | - | - | - | - | - | - | - | 24.68M | 24.69M | 24.72M | 24.77M |
Cash Flows (Annual)
Figures in USD.
| Metric | Dec 2009 | Dec 2010 | Dec 2011 | Dec 2012 | Dec 2013 | Dec 2014 | Dec 2015 | Dec 2016 | Dec 2017 | Dec 2018 | Dec 2019 | Dec 2020 | Dec 2021 | Dec 2022 | Dec 2023 | Dec 2024 | Dec 2025 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Operating Cash Flow | - | - | - | - | - | - | 12.22M | 18.02M | 24.59M | 41.44M | 36.76M | 29.66M | - | 12.43M | 28.82M | 19.53M | 10.77M |
| Investing Cash Flow | - | - | - | - | - | - | -127.04M | -95.59M | -62.01M | -93.70M | -5.02M | -204.27M | - | -616.86M | -312.76M | 108.30M | -158.22M |
| Financing Cash Flow | - | - | - | - | - | - | 106.83M | 94.62M | 15.49M | 55.40M | -28.43M | 338.87M | - | 152.11M | 283.63M | -140.88M | 226.55M |
| Capital Expenditure | -100.00K | -1.97M | -522.00K | -793.00K | -437.00K | -897.00K | -307.00K | -143.00K | -1.43M | -1.97M | -1.10M | -1.08M | - | -1.01M | -1.92M | -1.19M | -1.73M |
| Free Cash Flow | - | - | - | - | - | - | 11.91M | 17.88M | 23.16M | 39.47M | 35.66M | 28.58M | - | 11.42M | 26.89M | 18.34M | 9.03M |
| Net Change in Cash | - | - | - | - | - | - | - | - | - | - | - | - | - | -452.31M | -306.00K | -13.05M | 79.10M |
| Share Buybacks | - | - | - | - | - | - | 721.00K | - | - | - | - | - | - | - | - | - | 807.00K |
Ratios (Annual)
Figures in %.
| Metric | Dec 2009 | Dec 2010 | Dec 2011 | Dec 2012 | Dec 2013 | Dec 2014 | Dec 2015 | Dec 2016 | Dec 2017 | Dec 2018 | Dec 2019 | Dec 2020 | Dec 2021 | Dec 2022 | Dec 2023 | Dec 2024 | Dec 2025 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Gross Margin % | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - |
| Operating Margin % | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - |
| Net Margin % | - | - | - | - | - | - | - | - | - | - | - | - | - | 11.8% | -5.4% | -11.0% | 43.6% |
| ROE % | -5.2% | 4.3% | 4.4% | 6.4% | 5.9% | 6.6% | 7.8% | 8.2% | 0.8% | 9.7% | 8.8% | 6.0% | - | 3.6% | -2.1% | -4.6% | 14.5% |
| ROCE % | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - |
Shareholding Pattern
Top Institutional Holders
| # | Holder | % Held | Shares | Value |
|---|---|---|---|---|
| 1 | Blackrock Inc. | 8.23% | 2.04M | $29.42M |
| 2 | Mendon Capital Advisors Corp | 4.94% | 1.22M | $17.67M |
| 3 | Patriot Financial Partners Gp II, L.P. | 4.91% | 1.22M | $17.57M |
| 4 | Alliancebernstein L.P. | 4.82% | 1.19M | $17.21M |
| 5 | Dimensional Fund Advisors LP | 4.79% | 1.19M | $17.11M |
| 6 | North Reef Capital Management LP | 4.58% | 1.14M | $16.38M |
| 7 | Curi Capital LLC | 4.05% | 1.00M | $14.49M |
| 8 | Vanguard Capital Management LLC | 3.99% | 987.79K | $14.25M |
| 9 | Maltese Capital Management, LLC | 3.81% | 945.00K | $13.64M |
| 10 | BANC FUNDS CO LLC | 3.52% | 872.96K | $12.60M |
Analyst View
Analyst aggregate. Targets and ratings update periodically; not investment advice.
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