Primis Financial (FRST) Stock Price, News & Analysis

Company Overview

Primis Financial Corporation is a bank holding company headquartered in Waycross, Georgia, operating through its wholly owned subsidiary, Primis Bank. The company offers a full suite of commercial and retail banking services tailored to meet the needs of individuals, small businesses, and agricultural clients across its service area. Primis Bank focuses on building relationships within the communities it serves, positioning itself as a local financial partner for deposit-taking, lending, and treasury management solutions.

Primis Bank maintains a network of branch offices throughout southeastern Georgia, serving a combination of rural and suburban markets. Its regional focus enables the company to offer personalized service and quick decision-making, attributes often valued by local businesses and consumers. The bank’s deposit products include checking, savings, money market, and time deposit accounts, while its lending portfolio encompasses commercial real estate, agricultural, consumer, and small business loans.

In addition to traditional banking services, Primis Bank provides treasury management, cash management, and merchant services designed to help business clients optimize their financial operations. The bank also offers online and mobile banking platforms that allow customers to manage accounts, initiate transfers, and deposit checks remotely. Primis Financial’s management team comprises seasoned banking professionals with deep experience in community banking and risk management, positioning the company for continued growth within its core markets.

Key Stats

• Today's Range: $10.68 to $10.98
• 50-Day Range: $10.71 to $12.10
• 52-Week Range: $7.59 to $12.95
• Volume: 54,695 shs
• Average Volume: 91,983 shs
• Market Capitalization: $263.70 million
• P/E Ratio: N/A
• Dividend Yield: 3.74%
• Price Target: $7.50
• Consensus Rating: Buy

Primis Financial Stock Analysis - MarketRank™

Primis Financial scored higher than 93% of companies evaluated by MarketBeat, and ranked 132nd out of 958 stocks in the finance sector. Scores are calculated by averaging available category scores, with extra weight given to analysis and valuation.

Analyst's Opinion

• Score: 1.5 / 5
• Analyst Rating: Buy

Consensus Rating

Primis Financial has received a consensus rating of Buy. The company's average rating score is 3.00, and is based on 2 buy ratings, no hold ratings, and no sell ratings.

Downside Risk

Primis Financial has a consensus price target of $7.50, representing about 29.9% downside from its current price of $10.70.

Amount of Analyst Coverage

Primis Financial has received no research coverage in the past 90 days.

Earnings and Valuation

• Score: 2.5 / 5
• Proj. Earnings Growth: 25.00%

Earnings Growth

Earnings for Primis Financial are expected to grow by 25.00% in the coming year, from $1.40 to $1.75 per share.

Price to Earnings Ratio vs. the Market

The P/E ratio of Primis Financial is -118.91, which means that its earnings are negative and its P/E ratio cannot be compared to companies with positive earnings.

Price to Earnings Ratio vs. Sector

The P/E ratio of Primis Financial is -118.91, which means that its earnings are negative and its P/E ratio cannot be compared to companies with positive earnings.

Price to Book Value per Share Ratio

Primis Financial has a P/B Ratio of 0.73. P/B Ratios below 1 indicate that a company could be undervalued with respect to its assets and liabilities.

Short Interest

• Score: 5.0 / 5
• Short Interest Level: Healthy

Percentage of Shares Shorted

0.72% of the float of Primis Financial has been sold short.

Short Interest Ratio / Days to Cover

Primis Financial has a short interest ratio ("days to cover") of 1.5, which is generally considered an acceptable ratio of short interest to trading volume.

Change versus previous month

Short interest in Primis Financial has recently decreased by 5.54%, indicating that investor sentiment is improving significantly.

Dividend

• Score: 2.5 / 5
• Dividend Strength: Moderate

Dividend Leadership

Primis Financial is a leading dividend payer. It pays a dividend yield of 3.66%, putting its dividend yield in the top 25% of dividend-paying stocks.

Dividend Growth

Primis Financial does not have a long track record of dividend growth.

Dividend Sustainability

Based on earnings estimates, Primis Financial will have a dividend payout ratio of 22.86% next year. This indicates that Primis Financial will be able to sustain or increase its dividend.

Sustainability and ESG

• Score: 3.2 / 5
• Environmental Score: -0.60

Percentage of Shares Shorted

0.72% of the float of Primis Financial has been sold short.

Short Interest Ratio / Days to Cover

Primis Financial has a short interest ratio ("days to cover") of 1.5, which is generally considered an acceptable ratio of short interest to trading volume.

Change versus previous month

Short interest in Primis Financial has recently decreased by 5.54%, indicating that investor sentiment is improving significantly.

News and Social Media

• Score: 3.8 / 5
• News Sentiment: 1.81

News Sentiment

Primis Financial has a news sentiment score of 1.81. This score is calculated as an average of sentiment of articles about the company over the last seven days and ranges from 2 (good news) to -2 (bad news). This is a higher news sentiment than the 1.05 average news sentiment score of Finance companies.

News Coverage This Week

MarketBeat has tracked 4 news articles for Primis Financial this week, compared to 2 articles on an average week.

MarketBeat Follows

1 people have added Primis Financial to their MarketBeat watchlist in the last 30 days.

Company Ownership

• Score: 4.2 / 5
• Insider Trading: Acquiring Shares

Insider Buying vs. Insider Selling

In the past three months, Primis Financial insiders have bought more of their company's stock than they have sold. Specifically, they have bought $19,946.00 in company stock and sold $0.00 in company stock.

Percentage Held by Insiders

10.96% of the stock of Primis Financial is held by insiders. A high percentage of insider ownership can be a sign of company health.

Percentage Held by Institutions

74.96% of the stock of Primis Financial is held by institutions. High institutional ownership can be a signal of strong market trust in this company.

FRST Stock Analysis - Frequently Asked Questions

How have FRST shares performed this year?

Primis Financial's stock was trading at $11.66 at the start of the year. Since then, FRST stock has decreased by 8.2% and is now trading at $10.7020.

How were Primis Financial's earnings last quarter?

Primis Financial Corp. (NASDAQ:FRST) announced its quarterly earnings data on Thursday, July, 24th. The company reported $0.11 earnings per share (EPS) for the quarter, missing analysts' consensus estimates of $0.24 by $0.13. The business had revenue of $42.36 million for the quarter, compared to analyst estimates of $28.13 million. Primis Financial had a negative trailing twelve-month return on equity of 2.02% and a negative net margin of 0.93%.
Read the conference call transcript.

Who are Primis Financial's major shareholders?

Primis Financial's top institutional shareholders include Mendon Capital Advisors Corp (5.28%), Curi Capital LLC (4.07%), Salzhauer Michael (3.08%) and Fourthstone LLC (2.33%). Insiders that own company stock include Matthew Alan Switzer, John Fitzgerald Biagas, Charles A Kabbash, F L Garrett III, F L Garrett III, Robert Yates Clagett, Eric Alan Johnson, William Rand Cook, Clinton Tyler Stafford, George Cody Sheflett Jr, Deborah Diaz, Rickey Allen Fulk, Susan B Williamson, Barry P Almond and Ann-Stanton C Gore.
View institutional ownership trends.

How do I buy shares of Primis Financial?

Shares of FRST stock can be purchased through any online brokerage account. Popular online brokerages with access to the U.S. stock market include Charles Schwab, E*TRADE, Fidelity, and Vanguard Brokerage Services.

What other stocks do shareholders of Primis Financial own?

Based on aggregate information from My MarketBeat watchlists, some other companies that Primis Financial investors own include NVIDIA (NVDA), Broadcom (AVGO), Meta Platforms (META), Adobe (ADBE), Arista Networks (ANET), ServiceNow (NOW) and e.l.f. Beauty (ELF).

Company Calendar

• Last Earnings: 7/24/2025
• Record date for 8/22 Dividend: 8/08/2025
• Ex-Dividend for 8/22 Dividend: 8/08/2025
• Dividend Payable: 8/22/2025
• Today: 9/16/2025
• Next Earnings (Estimated): 10/23/2025
• Fiscal Year End: 12/31/2025

Industry, Sector and Symbol

• Stock Exchange: NASDAQ
• Sector: Finance
• Industry: FIN - MISC SVCS
• Sub-Industry: Banking
• Current Symbol: NASDAQ:FRST
• CIK: 1325670
• Web: www.primisbank.com
• Phone: (703) 893-7400
• Fax: 703-893-7488
• Employees: 420
• Year Founded: N/A

Price Target and Rating

• Average Price Target for Primis Financial: $7.50
• High Price Target: $14.00
• Low Price Target: $1.00
• Potential Upside/Downside: -30.5%
• Consensus Rating: Buy
• Rating Score (0-4): 3.00
• Research Coverage: 2 Analysts

Profitability

• EPS (Trailing Twelve Months): ($0.09)
• Trailing P/E Ratio: N/A
• Forward P/E Ratio: 7.71
• P/E Growth: N/A
• Net Income: -$16.20 million
• Net Margins: -0.93%
• Pretax Margin: -2.25%
• Return on Equity: -2.02%
• Return on Assets: -0.20%

Debt

• Debt-to-Equity Ratio: 0.26
• Current Ratio: 0.98
• Quick Ratio: 0.95

Sales & Book Value

• Annual Sales: $254.63 million
• Price / Sales: 1.04
• Cash Flow: $0.09 per share
• Price / Cash Flow: 118.88
• Book Value: $14.76 per share
• Price / Book: 0.73

Miscellaneous

• Outstanding Shares: 24,640,000
• Free Float: 21,942,000
• Market Cap: $265.87 million
• Optionable: Optionable
• Beta: 0.82