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PRIMIS FINANCIAL CORP (FRST) Stock Fundamental Analysis

NASDAQ:FRST - Nasdaq - US74167B1098 - Common Stock - Currency: USD

10.51  -0.32 (-2.95%)

After market: 10.51 0 (0%)

Fundamental Rating

4

FRST gets a fundamental rating of 4 out of 10. The analysis compared the fundamentals against 405 industry peers in the Banks industry. FRST may be in some trouble as it scores bad on both profitability and health. FRST is not valued too expensively and it also shows a decent growth rate.


Dividend Valuation Growth Profitability Health

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1

1. Profitability

1.1 Basic Checks

FRST had positive earnings in the past year.
In the past year FRST had a positive cash flow from operations.
In multiple years FRST reported negative net income over the last 5 years.
FRST had a positive operating cash flow in 4 of the past 5 years.
FRST Yearly Net Income VS EBIT VS OCF VS FCFFRST Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 10M 20M 30M 40M

1.2 Ratios

FRST's Return On Assets of -0.07% is on the low side compared to the rest of the industry. FRST is outperformed by 92.48% of its industry peers.
Looking at the Return On Equity, with a value of -0.76%, FRST is doing worse than 92.73% of the companies in the same industry.
Industry RankSector Rank
ROA -0.07%
ROE -0.76%
ROIC N/A
ROA(3y)0.03%
ROA(5y)0.35%
ROE(3y)0.11%
ROE(5y)2.78%
ROIC(3y)N/A
ROIC(5y)N/A
FRST Yearly ROA, ROE, ROICFRST Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 2 -2 4 6 8

1.3 Margins

FRST does not have Profit Margin and Operating Margin and Gross Margin available, so we won't be analyzing them here.
Industry RankSector Rank
OM N/A
PM (TTM) N/A
GM N/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3YN/A
PM growth 5YN/A
GM growth 3YN/A
GM growth 5YN/A
FRST Yearly Profit, Operating, Gross MarginsFRST Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 10 20 30

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3

2. Health

2.1 Basic Checks

FRST does not have a ROIC to compare to the WACC, probably because it is not profitable.
Compared to 1 year ago, FRST has about the same amount of shares outstanding.
FRST has more shares outstanding than it did 5 years ago.
FRST has a worse debt/assets ratio than last year.
FRST Yearly Shares OutstandingFRST Yearly Shares OutstandingYearly Shares Outstanding 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 5M 10M 15M 20M
FRST Yearly Total Debt VS Total AssetsFRST Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 1B 2B 3B

2.2 Solvency

FRST has a debt to FCF ratio of 0.95. This is a very positive value and a sign of high solvency as it would only need 0.95 years to pay back of all of its debts.
FRST has a Debt to FCF ratio of 0.95. This is in the better half of the industry: FRST outperforms 78.70% of its industry peers.
FRST has a Debt/Equity ratio of 0.31. This is a healthy value indicating a solid balance between debt and equity.
With a Debt to Equity ratio value of 0.31, FRST is not doing good in the industry: 66.67% of the companies in the same industry are doing better.
Although FRST does not score too well on debt/equity it has very limited outstanding debt, which is well covered by the FCF. We will not put too much weight on the debt/equity number as it may be because of low equity, which could be a consequence of a share buyback program for instance. This needs to be investigated.
Industry RankSector Rank
Debt/Equity 0.31
Debt/FCF 0.95
Altman-Z N/A
ROIC/WACCN/A
WACC18.25%
FRST Yearly LT Debt VS Equity VS FCFFRST Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 100M 200M 300M 400M

2.3 Liquidity

Industry RankSector Rank
Current Ratio N/A
Quick Ratio N/A
FRST Yearly Current Assets VS Current LiabilitesFRST Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2015 2017 2018 2019 2020 2021 2022 2023 2024 5M 10M 15M 20M

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6

3. Growth

3.1 Past

The earnings per share for FRST have decreased strongly by -98.94% in the last year.
The earnings per share for FRST have been decreasing by -63.19% on average. This is quite bad
FRST shows a small growth in Revenue. In the last year, the Revenue has grown by 2.72%.
Measured over the past years, FRST shows a quite strong growth in Revenue. The Revenue has been growing by 9.26% on average per year.
EPS 1Y (TTM)-98.94%
EPS 3Y-80.05%
EPS 5Y-63.19%
EPS Q2Q%-285.71%
Revenue 1Y (TTM)2.72%
Revenue growth 3Y11.99%
Revenue growth 5Y9.26%
Sales Q2Q%-13.6%

3.2 Future

Based on estimates for the next years, FRST will show a very strong growth in Earnings Per Share. The EPS will grow by 1237.56% on average per year.
The Revenue is expected to grow by 27.41% on average over the next years. This is a very strong growth
EPS Next Y14210.6%
EPS Next 2Y1237.56%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year44.06%
Revenue Next 2Y27.41%
Revenue Next 3YN/A
Revenue Next 5YN/A

3.3 Evolution

The EPS growth rate is accelerating: in the next years the growth will be better than in the last years.
When comparing the Revenue growth rate of the last years to the growth rate of the upcoming years, we see that the growth is accelerating.
FRST Yearly Revenue VS EstimatesFRST Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 50M 100M 150M
FRST Yearly EPS VS EstimatesFRST Yearly EPS VS EstimatesYearly EPS VS Estimates 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 0.5 1 1.5

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6

4. Valuation

4.1 Price/Earnings Ratio

Based on the Price/Earnings ratio of 1051.00, the valuation of FRST can be described as expensive.
Compared to the rest of the industry, the Price/Earnings ratio of FRST indicates a rather expensive valuation: FRST more expensive than 89.97% of the companies listed in the same industry.
FRST is valuated expensively when we compare the Price/Earnings ratio to 29.63, which is the current average of the S&P500 Index.
FRST is valuated cheaply with a Price/Forward Earnings ratio of 7.34.
Compared to the rest of the industry, the Price/Forward Earnings ratio of FRST indicates a rather cheap valuation: FRST is cheaper than 93.23% of the companies listed in the same industry.
The average S&P500 Price/Forward Earnings ratio is at 22.68. FRST is valued rather cheaply when compared to this.
Industry RankSector Rank
PE 1051
Fwd PE 7.34
FRST Price Earnings VS Forward Price EarningsFRST Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 200 400 600 800 1K

4.2 Price Multiples

Based on the Price/Free Cash Flow ratio, FRST is valued cheaply inside the industry as 98.75% of the companies are valued more expensively.
Industry RankSector Rank
P/FCF 2.12
EV/EBITDA N/A
FRST Per share dataFRST EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 5 10 15

4.3 Compensation for Growth

FRST's low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.
FRST's earnings are expected to grow with 1237.56% in the coming years. This may justify a more expensive valuation.
PEG (NY)0.07
PEG (5Y)N/A
EPS Next 2Y1237.56%
EPS Next 3YN/A

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6

5. Dividend

5.1 Amount

With a Yearly Dividend Yield of 3.69%, FRST has a reasonable but not impressive dividend return.
Compared to an average industry Dividend Yield of 3.18, FRST pays a bit more dividend than its industry peers.
Compared to an average S&P500 Dividend Yield of 2.27, FRST pays a better dividend.
Industry RankSector Rank
Dividend Yield 3.69%

5.2 History

The dividend of FRST has a limited annual growth rate of 4.53%.
FRST has paid a dividend for at least 10 years, which is a reliable track record.
FRST has not decreased their dividend for at least 10 years, which is a reliable track record.
Dividend Growth(5Y)4.53%
Div Incr Years0
Div Non Decr Years12
FRST Yearly Dividends per shareFRST Yearly Dividends per shareYearly Dividends per share 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 0 0 0 0

5.3 Sustainability

FRST has negative earnings and hence a negative payout ratio. The dividend may be in danger.
FRST's earnings are growing more than its dividend. This makes the dividend growth sustainable.
DP-340.83%
EPS Next 2Y1237.56%
EPS Next 3YN/A
FRST Yearly Income VS Free CF VS DividendFRST Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 10M 20M 30M

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PRIMIS FINANCIAL CORP

NASDAQ:FRST (2/21/2025, 8:21:49 PM)

After market: 10.51 0 (0%)

10.51

-0.32 (-2.95%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)01-28 2025-01-28/amc
Earnings (Next)04-23 2025-04-23/amc
Inst Owners75.19%
Inst Owner Change28.33%
Ins Owners3.46%
Ins Owner Change1.8%
Market Cap259.81M
Analysts87.5
Price Target13.26 (26.17%)
Short Float %0.4%
Short Ratio1.11
Dividend
Industry RankSector Rank
Dividend Yield 3.69%
Yearly Dividend0.4
Dividend Growth(5Y)4.53%
DP-340.83%
Div Incr Years0
Div Non Decr Years12
Ex-Date02-12 2025-02-12 (0.1)
Surprises & Revisions
EPS beat(2)0
Avg EPS beat(2)-50.66%
Min EPS beat(2)-81.76%
Max EPS beat(2)-19.56%
EPS beat(4)1
Avg EPS beat(4)-25.76%
Min EPS beat(4)-81.76%
Max EPS beat(4)22.55%
EPS beat(8)2
Avg EPS beat(8)-28.03%
EPS beat(12)4
Avg EPS beat(12)-20.44%
EPS beat(16)6
Avg EPS beat(16)-11.97%
Revenue beat(2)0
Avg Revenue beat(2)-8.44%
Min Revenue beat(2)-9.36%
Max Revenue beat(2)-7.52%
Revenue beat(4)1
Avg Revenue beat(4)-2.06%
Min Revenue beat(4)-9.36%
Max Revenue beat(4)9.67%
Revenue beat(8)3
Avg Revenue beat(8)2.47%
Revenue beat(12)7
Avg Revenue beat(12)6.27%
Revenue beat(16)11
Avg Revenue beat(16)8.48%
PT rev (1m)-16.8%
PT rev (3m)-19.38%
EPS NQ rev (1m)0%
EPS NQ rev (3m)0%
EPS NY rev (1m)29.91%
EPS NY rev (3m)27.55%
Revenue NQ rev (1m)0.46%
Revenue NQ rev (3m)0.46%
Revenue NY rev (1m)28.11%
Revenue NY rev (3m)27.96%
Valuation
Industry RankSector Rank
PE 1051
Fwd PE 7.34
P/S 1.84
P/FCF 2.12
P/OCF 2.08
P/B 0.68
P/tB 0.93
EV/EBITDA N/A
EPS(TTM)0.01
EY0.1%
EPS(NY)1.43
Fwd EY13.62%
FCF(TTM)4.96
FCFY47.23%
OCF(TTM)5.04
OCFY47.97%
SpS5.7
BVpS15.41
TBVpS11.25
PEG (NY)0.07
PEG (5Y)N/A
Profitability
Industry RankSector Rank
ROA -0.07%
ROE -0.76%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) N/A
GM N/A
FCFM 87.07%
ROA(3y)0.03%
ROA(5y)0.35%
ROE(3y)0.11%
ROE(5y)2.78%
ROIC(3y)N/A
ROIC(5y)N/A
ROICexc(3y)N/A
ROICexc(5y)N/A
ROICexgc(3y)N/A
ROICexgc(5y)N/A
ROCE(3y)N/A
ROCE(5y)N/A
ROICexcg growth 3YN/A
ROICexcg growth 5YN/A
ROICexc growth 3YN/A
ROICexc growth 5YN/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3YN/A
PM growth 5YN/A
GM growth 3YN/A
GM growth 5YN/A
F-Score3
Asset Turnover0.04
Health
Industry RankSector Rank
Debt/Equity 0.31
Debt/FCF 0.95
Debt/EBITDA N/A
Cap/Depr 21.68%
Cap/Sales 1.37%
Interest Coverage N/A
Cash Conversion N/A
Profit Quality N/A
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score3
WACC18.25%
ROIC/WACCN/A
Cap/Depr(3y)N/A
Cap/Depr(5y)N/A
Cap/Sales(3y)N/A
Cap/Sales(5y)N/A
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)-98.94%
EPS 3Y-80.05%
EPS 5Y-63.19%
EPS Q2Q%-285.71%
EPS Next Y14210.6%
EPS Next 2Y1237.56%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)2.72%
Revenue growth 3Y11.99%
Revenue growth 5Y9.26%
Sales Q2Q%-13.6%
Revenue Next Year44.06%
Revenue Next 2Y27.41%
Revenue Next 3YN/A
Revenue Next 5YN/A
EBIT growth 1YN/A
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y335.4%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y340.48%
OCF growth 3YN/A
OCF growth 5YN/A