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/FRST
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Primis Financial Corp

Primis Financial Corp

FRST
$16.16USD↓-1.10%-0.18 today

MARKET CAP

402.0M

P/E (TTM)

19.7x

FWD P/E

8.8x

DAY RANGE

$16 – $16

52W RANGE

$10
$17

AI Summary

Stalk
StalkMedium

FRST recently broke out above its intermediate resistance with strong momentum and volume, but price is extended above key EMAs and overbought. The medium-term regime remains bullish, supported by EMA alignment and continuation patterns. However, short-term timing favors waiting for a pullback into the prior resistance zone, now acting as support. A pullback into the 14.35–14.50 area would offer a more favorable entry aligned with structural support and rising EMAs.

  • ↑Operating EPS $0.33, up 126% YoY on tech-driven efficiency
  • ↑Deposits +8% YoY; non-interest checking accounts surged 19%
  • ↓Negative profitability score highlights ongoing profit-generation weakness
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The case for & against

Bull & Bear analysis

Bullish

Primis Financial Corporation (NASDAQ: FRST) operates as a community-oriented financial institution delivering banking services, specializing in commercial loans, mortgage warehouse lending, and digital banking solutions particularly targeting medical professionals. Positioned in the financial sector, Primis focuses on leveraging technological advancements to enhance operational efficiency and improve customer experience, which aligns with the growing trend of digital banking and AI integration in financial services.

Bull says

  • ↑Operating EPS $0.33, up 126% YoY on tech-driven efficiency
  • ↑Deposits +8% YoY; non-interest checking accounts surged 19%
  • ↑Digital banking and AI initiatives to boost customer growth
  • ↑Valuation attractive with book/price ratio 1.34 and 0.99% dividend yield
  • ↑Insiders purchased ~$147.6K of shares, signaling management confidence
  • ↑Strong earnings yield and high leverage support potential upside

Bear says

  • ↓Negative profitability score highlights ongoing profit-generation weakness
  • ↓Weak earnings revisions signal limited upside in EPS forecasts
  • ↓Small market cap limits scale compared to larger banks
  • ↓Mixed analyst ratings add uncertainty and may spur volatility
  • ↓Mortgage-heavy loan portfolio exposed if housing market contracts
  • ↓Low institutional ownership may limit sustained buying support

Earnings Call · Q1 2026 · Mgmt. Guidance

Updated 04-27-2026bullish

Transcript signals

Bull points

  • in the first quarter, we earned $7.3 million or 30 cents per share, which compares to $22.6 million and 92 cents per share in the same quarter of 25.
  • on an operating basis, we earned 33 cents per share in the first quarter, which excluded a small tax adjustment related to 2025 results. And when you compare that to the same quarter a year ago, it's up 126% operating earnings, where we reported 14 cents in the same quarter of 25.
  • On net interest margin, our net interest margin benefited from the securities restructure as well as the mix of earning assets and climbed to 3.43% in the first quarter compared to 3.15% in the same quarter of 25.
Read full transcript analysis ›