Stocks · Financial Services · Banks - Regional
Primis Financial Corp FRST
$15.62 +1.49% Close, Oct 2, 2026 · NASDAQ · Market cap $388.6M
Strong growthStrong trend
Next earnings report: Oct 22, 2026
Scroll or pinch to zoom, drag to move. Daily prices adjusted for splits. Markers: E = earnings (green beat, red miss), S = split, D = dividend.
Three things to know
- Diluted EPS over the last four quarters was $2.16, up 1583.6% year over year.
- Operating margin widened to 21.6% from -2.1% a year earlier.
- The shares trade at 7.2× trailing earnings, lower than 94% of the company's own readings over the past five years.
PromtFinance scores
Each score is a percentile within the Financial Services sector (0–100). Under each score: how the stock ranks in its sector on every component. As of Oct 5, 2026.
How fast revenue, earnings and cash flow are growing.
- Revenue growth (TTM, YoY)Top 27%
- EPS growth (TTM, YoY)Top 1%
- Revenue growth, 3-year CAGRTop 16%
- Revenue growth accelerationTop 10%
Returns on capital, margins, earnings quality and balance-sheet strength.
- Return on invested capitalBottom 48%
- Gross marginTop 42%
- Operating marginBottom 49%
- Cash conversion (OCF / net income)Bottom 8%
- Accruals (lower is better)Bottom 18%
- Net debt / EBITDA (lower is better)Bottom 22%
- Interest coverBottom 41%
How cheap the shares are relative to earnings, cash flow and their own history.
- Earnings yieldTop 7%
- Free-cash-flow yieldBottom 9%
- EBITDA / enterprise valueTop 31%
- Sales / enterprise valueTop 36%
- P/E vs own 5-year history (lower is better)Top 10%
Strength and persistence of the price trend, including versus the S&P 500.
- 12-month return excluding last monthTop 6%
- 6-month returnTop 25%
- 1-year return vs S&P 500Top 6%
- Distance from 52-week highTop 38%
- Trend checklist (0–4)Top 48%
Earnings surprises and analyst sentiment (estimate-revision history is being collected).
- Average EPS surprise, last 4 quartersBottom 10%
- Consecutive EPS beatsBottom 17%
- Upside to consensus price targetTop 33%
Low volatility, shallow drawdowns, low market sensitivity and modest leverage.
- Volatility, 60 days (lower is better)Top 43%
- Maximum drawdown, 3 yearsBottom 24%
- Beta vs S&P 500 (lower is better)Bottom 41%
- Net debt / EBITDA (lower is better)Bottom 22%
What changed
Latest four quarters versus the same period a year earlier (growth: versus one quarter earlier).
| Measure | Before | Now | |
|---|---|---|---|
| Revenue growth (YoY) | 6.9% | 16.3% | ↑ |
| EPS growth (YoY) | 1007.0% | 1583.6% | ↑ |
| Gross margin | 44.5% | 68.4% | ↑ |
| Operating margin | -2.1% | 21.6% | ↑ |
| FCF margin | -14.1% | -14.2% | ↓ |
Fundamental momentum
| Measure | Now (TTM) | Year / quarter before | Sector rank | |
|---|---|---|---|---|
| Revenue growth (TTM, YoY) | 16.3% | 6.9% | ↑ | Top 27% |
| EPS growth (TTM, YoY) | 1583.6% | 1007.0% | ↑ | Top 1% |
| Gross margin | 68.4% | 44.5% | ↑ | Top 42% |
| Operating margin | 21.6% | -2.1% | ↑ | Bottom 49% |
| Net margin | 17.0% | 1.1% | ↑ | — |
| Free-cash-flow margin | -14.2% | -14.1% | ↓ | — |
| Return on invested capital | 1.2% | — | Bottom 48% | |
| Revenue growth, 3-year CAGR | 30.2% | — | Top 16% |
Quality of earnings and balance sheet
- Cash conversion (OCF / net income)Above 1× means profits are backed by cash.
- -0.80×
- Accruals (net income − OCF) / assetsLower is better; high accruals can signal weaker earnings quality.
- 2.2%
- Stock-based compensation / revenueA cost to shareholders through dilution.
- 0.9%
- Net debt / EBITDABelow 1× is conservative; above 3× is high leverage.
- 5.55×
- Interest cover (operating income / interest)How many times operating profit covers interest.
- 0.8×
Shareholder returns
- Dividend yield (dividends paid, TTM)
- 2.56%
- Net buyback yield (TTM)
- -0.00%
- Shareholder yield
- 2.56%
- Share count change, 1 year
- +0.0%
- Share count change, 3-year CAGR
- +0.1%
Shareholder yield = dividends + net buybacks over the last four quarters, divided by market cap.
Based on the four quarters through Jun 30, 2026 (filed Aug 7, 2026).
Earnings and expectations
Earnings momentum
- Consecutive EPS beats
- 0
- Beats in the last 8 reports
- 1 of 8
- Average EPS surprise, last 4
- -29.9%
- Average 2-day reaction, last 8
- -0.8%
- Positive 20 days after report
- 6 of 8
Analysts
- Consensus price target
- $19.00
- Target vs current price
- +21.6%
How the stock reacted to recent reports
| Report date | EPS surprise | 2 days | 5 days | 20 days | 60 days |
|---|---|---|---|---|---|
| Jul 23, 2026 | -39.6% | -0.4% | +1.8% | +2.5% | — |
| Apr 23, 2026 | +3.1% | +0.4% | +5.2% | +2.0% | +15.4% |
| Jan 29, 2026 | -70.6% | +2.4% | +7.9% | +2.6% | +8.1% |
| Oct 23, 2025 | -12.5% | -1.7% | +8.8% | +8.9% | +36.4% |
| Jul 24, 2025 | -54.2% | -3.4% | -6.5% | -10.8% | -20.7% |
| Apr 29, 2025 | -44.0% | -0.7% | +6.2% | +13.7% | +39.2% |
| Jan 28, 2025 | -690.9% | -1.4% | -6.0% | -8.7% | -26.9% |
| Oct 24, 2024 | -81.4% | -1.3% | -3.7% | +2.1% | -6.7% |
Returns from the close before each report. Past reactions do not determine future ones.
Earnings history
| Report date | EPS | Estimate | Surprise | Revenue |
|---|---|---|---|---|
| Jul 23, 2026 | $0.23 | $0.38 | -39.6% | $50.3M |
| Apr 23, 2026 | $0.33 | $0.32 | +3.1% | $44.1M |
| Jan 29, 2026 | $0.10 | $0.34 | -70.6% | $78.4M |
| Oct 23, 2025 | $0.28 | $0.32 | -12.5% | $41.0M |
| Jul 24, 2025 | $0.11 | $0.24 | -54.2% | $34.9M |
| Apr 29, 2025 | $0.14 | $0.25 | -44.0% | $58.7M |
| Jan 28, 2025 | -$0.65 | $0.11 | -690.9% | $16.3M |
| Oct 24, 2024 | $0.08 | $0.43 | -81.4% | $29.8M |
Valuation in context
| Multiple | Now | 5-year median | 5-year percentile | Sector rank (cheapness) |
|---|---|---|---|---|
| P/E (trailing) | 7.2× | 12.9× | 6th | Top 7% |
| P/E (forward) | 11.2× | — | — | — |
| EV / EBITDA | 10.5× | — | — | Top 31% |
| EV / Sales | 2.64× | — | — | Top 36% |
| Free-cash-flow yield | -11.38% | — | — | Bottom 9% |
| Earnings yield | 13.83% | — | — | Top 7% |
P/E over the past five years
Range 5.1× – 93.3× since Jun 30, 2021. Each point: price on the filing date divided by trailing-twelve-month EPS known then.
What moved the stock over the past year
- Price return, 1 year
- +50.2%
- Earnings per share growth (TTM)
- +1583.6%
- Change in P/E multiple
- -91.3%
Most of the move came from earnings growth.
Technical state
Trend checklist
- ✗ Price above 20-day average
- ✗ Price above 50-day average
- ✓ Price above 200-day average
- ✓ 50-day average above 200-day
- ✗ MACD histogram positive
Trend quality
- Days above the 50-day average
- 0
- Days above the 200-day average
- 236
- 50-day average slope (20 days)
- -0.4%
- 200-day average slope (20 days)
- +3.0%
- Distance from 50-day average
- -2.5%
- Distance from 200-day average
- +6.8%
- RSI (14)
- 45.5
- Relative volume
- 0.58×
Risk and drawdowns
- Volatility, 60 days (annualized)
- 19.5%
- Volatility vs own 5-year history
- 5th percentile · Low for this stock
- Beta vs S&P 500 (2 years, weekly)
- 0.78
- Correlation with S&P 500
- 0.41
- Current drawdown from 1-year high
- -6.3%
- Maximum drawdown, 3 years
- -41.9%
Largest declines in the past six years
| From peak | To low | Decline | Length | Recovery |
|---|---|---|---|---|
| Nov 8, 2021 | May 12, 2023 | -56.7% | 379 days | 782 days (Jun 26, 2026) |
| Aug 11, 2021 | Sep 17, 2021 | -18.9% | 26 days | 36 days (Nov 8, 2021) |
| Mar 12, 2021 | May 12, 2021 | -11.9% | 42 days | 60 days (Aug 6, 2021) |
Declines of 10% or more from a closing high, measured on daily closes.
Financial statements
- Market cap
- $388.6M
- P/E (TTM)
- 7.2
- EPS, diluted (TTM)
- $2.16
- Revenue (TTM)
- $312.5M
- Dividend yield
- 2.56%
- 52-week range
- $9.55 – $16.88
| FY 2021 | FY 2022 | FY 2023 | FY 2024 | FY 2025 | |
|---|---|---|---|---|---|
| Revenue | $123.7M | $141.6M | $237.9M | $254.1M | $312.6M |
| Gross profit | $110.5M | $108.8M | $111.4M | $96.7M | $211.3M |
| Operating income | $39.6M | $17.3M | -$11.2M | -$28.9M | $72.6M |
| Net income | $31.1M | $14.1M | -$7.8M | -$16.2M | $61.4M |
| EPS (diluted) | $1.26 | $0.57 | -$0.32 | -$0.66 | $2.49 |
| Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | |
|---|---|---|---|---|---|---|---|---|
| Revenue | $66.4M | $64.0M | $80.1M | $58.2M | $63.7M | $103.3M | $67.1M | $78.4M |
| Net income | $1.2M | -$23.3M | $22.6M | $2.4M | $6.8M | $29.5M | $7.3M | $9.4M |
| EPS (diluted) | $0.05 | -$0.94 | $0.92 | $0.10 | $0.28 | $1.20 | $0.30 | $0.38 |
| FY 2021 | FY 2022 | FY 2023 | FY 2024 | FY 2025 | |
|---|---|---|---|---|---|
| Operating cash flow | $27.3M | $12.4M | $28.8M | $19.5M | $10.8M |
| Capital expenditure | -$2.5M | -$1.0M | -$1.9M | -$1.2M | -$1.7M |
| Free cash flow | $24.9M | $11.4M | $26.9M | $18.3M | $9.0M |
| Dividends paid | -$9.8M | -$9.9M | -$9.9M | -$9.9M | -$9.9M |
| Net share buybacks | -$14,000 | -$11,000 | -$31,000 | -$4,000 | -$792,000 |
Cash outflows are shown as negative numbers.
- Cash and short-term investments
- $10.1M
- Total assets
- $4.35B
- Total liabilities
- $3.92B
- Total debt
- $448.1M
- Net debt
- $438.0M
- Shareholders’ equity
- $433.8M
As of Jun 30, 2026 (filed Aug 7, 2026).
Dividends
| Ex-date | Amount | Paid |
|---|---|---|
| Aug 7, 2026 | $0.10 | Aug 21, 2026 |
| May 8, 2026 | $0.10 | May 22, 2026 |
| Feb 13, 2026 | $0.10 | Feb 27, 2026 |
| Nov 7, 2025 | $0.10 | Nov 21, 2025 |
| Aug 8, 2025 | $0.10 | Aug 22, 2025 |
| May 14, 2025 | $0.10 | May 28, 2025 |
| Feb 12, 2025 | $0.10 | Feb 26, 2025 |
| Nov 8, 2024 | $0.10 | Nov 22, 2024 |
Short interest
- Shares sold short
- 738,903
- Days to cover
- 5.27
- Change vs previous report
- -4.5%
FINRA short interest, settlement date Sep 15, 2026.
Stock splits
- Apr 30, 2007
- 11-for-10