Primis Financial Corp (FRST)
Valuation Overview•Is Primis Financial Corp Overvalued or Undervalued?
Trading at a relative discount to industry peers, suggesting a specific risk premium is applied.
Moderate quality score of 53/100, reflecting stable operating margins and manageable leverage.
Analysts remain bullish, forecasting further upside expansion with consensus targets suggesting solid gains.
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Verdict: Average quality business weighed down by significant solvency concerns.
Wall Street is highly bullish, projecting significant upside. This is paired with healthy capital returns, anchored by a strong dividend yield, though free cash flow coverage appears tight.
FRST demonstrates adequate business quality with stable profitability. However, the balance sheet carries elevated leverage, requiring careful monitoring of debt servicing capabilities.
The company is driving exceptional top-line expansion (23.0% 3Y CAGR) paired with highly explosive earnings growth (63.5% EPS 3Y CAGR). The company maintains healthy operational efficiency with a 21.6% operating margin.
| Financial Metric | Trend (12Q) | Latest Qtr | 1Y Growth | 3Y CAGR | 5Y CAGR | 10Y CAGR |
|---|---|---|---|---|---|---|
| Revenue | $55.8M | +51.7% | +23.0% | +16.3% | +21.1% | |
| EBITDA | $15.4M | — | +49.0% | — | — | |
| Net Income | $9.4M | +479.2% | +63.2% | — | +20.8% | |
| EPS (Diluted) | $0.38 | +477.3% | +63.5% | +21.0% | +12.7% | |
| Free Cash Flow | -$5.5M | -50.7% | -7.5% | -18.5% | — |
| Metric | TTM | 3Y Avg | 5Y Avg | 10Y Avg |
|---|---|---|---|---|
| Gross Margin | 68.4% | 50.8% | 63.7% | 68.0% |
| Operating Margin | 21.6% | 2.4% | 10.3% | 17.7% |
| Net Margin | 17.0% | 3.3% | 9.0% | 13.8% |
| FCF Margin | -14.2% | 7.1% | 9.9% | 18.8% |
| Quarter | EPS Est. | EPS Act. | Surprise | EPS | Rev |
|---|---|---|---|---|---|
| Q3'26Latest | $0.38 | $0.23 | -39.6% | ||
| Q2'26 | $0.32 | $0.33 | +3.1% | ||
| Q1'26 | — | $1.20 | — | ||
| Q1'26 | $0.34 | $0.10 | -70.6% | ||
| Q4'25 | $0.32 | $0.28 | -12.5% | ||
| Q3'25 | $0.24 | $0.11 | -54.2% | ||
| Q2'25 | $0.25 | $0.14 | -44.0% | ||
| Q2'25 | — | $-0.94 | — |
Total return is +48.2% (1Y), outperforming the benchmark by +32.5%
| Period | Total Return | vs S&P 500 (Alpha) | Dividend Contribution |
|---|---|---|---|
| YTD | +21.0% | +8.6% | — |
| 1Y | +48.2% | +32.5% | +3.7% |
| 3YCAGR | +28.0% | +8.1% | +15.1% |
| 5YCAGR | +4.3% | -6.4% | +14.1% |
| 10YCAGR | +4.1% | -9.2% | — |
The S&P 500 is at 31.3x trailing P/E — Expensive relative to historical averages.
Quick answers to common questions about Primis Financial Corp (FRST) valuation, health, and returns.
Based on peer relative multiples, Primis Financial Corp appears Cheap versus peers compared to industry peers.
Primis Financial Corp has multiple valuation anchors: Peer Relative Fair Value: $24.45 | Wall Street Analyst Target: $19.00 (implying +22.7% upside). A convergence of these signals offers higher conviction.
Primis Financial Corp displays fair financial health with a composite quality score of 53/100, supported by a Piotroski F-Score of 6/9, Return on Invested Capital (ROIC) of 9.2%.
Primis Financial Corp pays a 2.6% dividend yield, covered by a 16% payout ratio with 0 years of growth, supplemented by a 0.2% buyback yield.
Primis Financial Corp's current growth trajectory is Accelerating. The company achieved +51.7% 1Y revenue growth and +477.3% 1Y EPS growth, compared to its 3Y revenue CAGR of +23.0%.
Wall Street consensus is Buy based on 2 analysts, beating EPS expectations in 17% of recent quarters with a -1-quarter streak. The consensus price target represents a +22.7% change from current levels.
Investment risks for Primis Financial Corp include: -13.8% 1-year max drawdown. Volatility risk is characterized by a beta of 0.46x.
No. These computations are purely quantitative model outputs for informational purposes. They do not account for qualitative management shifts or macro events. Always consult a licensed RIA before buying or selling shares.
Disclaimer: This page is for informational purposes only and does not constitute financial advice. All valuation models, scores, and target estimates are automated computations under stated assumptions and should not be relied upon as the sole basis for any investment decision.