Primis Financial Corp.
FRST Nasdaq· State Commercial Banks
Last close · Oct 26, 2026
$14.73
KIRA · Stoqly’s AI analyst, in plain words
- Primis Financial Corp. had $224M of revenue in fiscal 2025, up 51.9% on the year before. Over five years, revenue changed +16.1% a year on average.
- Primis Financial Corp. made $61.4M of net profit in fiscal 2025. From fiscal 2016 to 2025, diluted EPS grew 13.0% a year.
- Primis Financial Corp. returned $10.7M to shareholders in fiscal 2025, 118% of free cash flow. The diluted share count fell 0.0%.
- It earned 15.9% on shareholders’ money. Running costs took 62.1% of revenue (the efficiency ratio; lower is better).
Market cap
$365M
P/E
6.9x
Revenue
$224M
Net income
$61.4M
Return on equity
15.9%
Efficiency ratio
62.1%
Primis Financial Corp. in 30 seconds · fiscal 2025
Are sales growing?
+51.9%
Yes. Sales grew 51.9% last year.
Does it make a profit?
27.5%
Yes. It keeps 27.5% of every sale as profit.
How lean are its costs?
62.1%
Average. Running costs take 62.1% of revenue.
How much does it earn on its capital?
15.9%
Good. It earns 15.9% a year on shareholders’ money.
How is the share priced?
6.9x
One share costs 6.9 times its yearly profit per share.
What Primis Financial Corp. does
No business description yet.
- Fiscal year ends
- December 31, 2025
- Latest annual report
- 10-K · Mar 16, 2026
- Legal name
- Primis Financial Corp.
- CIK
- 0001325670
Primis Financial Corp. · FRST
Results and finances
The last 5 fiscal years. Amounts in USD.
| Fiscal year | FY21 | FY22 | FY23 | FY24 | FY25 |
|---|---|---|---|---|---|
| Sales and profit | |||||
| Revenue | $105M | $120M | $144M | $147M | $224M |
| Revenue growth | −0.9% | 14.1% | 19.9% | 2.4% | 51.9% |
| Net interest income | $94.1M | $102M | $98.7M | $104M | $111M |
| Net income | $31.1M | $14.1M | −$7.8M | −$16.2M | $61.4M |
| Net margin | 29.6% | 11.8% | −5.4% | −11.0% | 27.5% |
| Diluted EPS | — | $0.57 | −$0.32 | −$0.66 | $2.49 |
| Cash | |||||
| Cash from operations | $27.6M | $12.4M | $28.8M | $19.5M | $10.8M |
| Capital expenditure | $2.5M | $1.0M | $1.9M | $1.2M | $1.7M |
| Free cash flow | $25.2M | $11.4M | $26.9M | $18.3M | $9.0M |
| FCF margin | 23.9% | 9.5% | 18.7% | 12.4% | 4.0% |
| Dividends paid | $9.8M | $9.9M | $9.9M | $9.9M | $9.9M |
| Share buybacks | — | — | — | — | $0.8M |
| Share count change | 1.0% | 0.3% | −0.1% | 0.2% | −0.0% |
| Debt and strength | |||||
| Cash and short-term investments | $530M | $77.9M | $77.6M | $64.5M | $144M |
| Loans, net | $2.3B | $2.9B | $3.2B | $2.8B | $3.2B |
| Deposits | $2.8B | $2.7B | $3.3B | $3.2B | $3.4B |
| Shareholders' equity | $410M | $389M | $376M | $352M | $423M |
| Returns and quality | |||||
| Return on equity | 7.8% | 3.5% | −2.0% | −4.5% | 15.9% |
| Return on tangible equity | 10.2% | 5.0% | −2.8% | −6.3% | 18.7% |
| Efficiency ratio | 67.9% | 76.2% | 85.2% | 85.3% | 62.1% |
Insiders bought, 12 months
$0.4M
11 insiders
Insiders sold, 12 months
$0.0M
0 insiders
Of sales under plans
—
$0.0M
How to read these numbers
- Revenue:
- Total sales reported in the income statement.
- Net income:
- Profit after all expenses, interest and tax.
- Efficiency ratio:
- Noninterest expense as a share of revenue. Lower is better for banks.
- Return on equity:
- Net income as a share of average shareholders' equity.
- Return on tangible equity:
- Net income to common over equity minus goodwill and intangibles.
- Diluted EPS:
- Net income per diluted share.
Primis Financial Corp. · FRST
Charts and comparison
Ten years at a glance, and how it stacks up against similar companies.
Revenue
Net income
Return on equity and efficiency ratio
Loans and deposits
Dividends and buybacks
Diluted EPS
KIRA
At $14.73 a share, the company is worth $365M: 6.9 times its earnings of the last four quarters.
Source: SEC EDGAR XBRL filings (CIK 0001325670). Data updated October 24, 2026. For information only — not investment advice. Check the original filings before relying on any figure.