FRST · Primis Financial Corp.
$16.17
+0.03 (+0.19%)
At close · Aug 20
Market Cap
$400.26M
Shares
24.80M
Price & Indicators
20d MA
50d MA
200d MA
Earnings
Filing
Insider
Congress
Investor day
Close$16.17
Open$16.08
Day$15.91–16.19
52W close$9.59–16.67
Avg vol 30d171K
Short int521K · 2.1% float · 2.9d
Short vol41%
Last earningsJul 24, 2026
DataJan 2020–Aug 2026
Filing10-Q · Aug 7
Up next
Next earnings call
Oct 23, 2026
Est · unconfirmed
· in 9 wks
FQ3-26 quarter ends
~Sep 30, 2026
Est
filed Aug 7, 2026
AI Brief
TL;DR.
Bullish
Bearish
From the call
AI-generated from the earnings call and 8-K · may contain errors · not investment advice
Ask ALVIS about this →Equibles Rating
blended score · not investment adviceOverall
Strong Buy
SellHoldBuy
Technical
Buy
Momentum
Very Strong
Sentiment
Bullish
Fundamentals
Excellent
Quant / Vol
Moderate
Market backdrop
VIX 14.9 · calm
Equity put/call 0.52
Technical
price trend
50 / 200-day cross
No cross
Price vs 200-day avg
+16%
above
Price vs 50-day avg
+1%
above
RSI (14)
50
neutral
MACD trend
Negative
52-week position
93%
near high
Volume (OBV)
Confirms
volume backs price
Momentum
relative strength
1-month return
+3%
trailing
6-month return
+22%
trailing
YTD return
+16%
this year
Relative strength
+11%
vs S&P · 6-mo
Sentiment
smart money
Trend (MA cross)
No cross
50d $16 › 200d $14 — 50d above 200d
Institutional flow
Accumulating
+3% holders QoQ · +24 funds added
Insider flow
Accumulating
Net +$106.8K over 90 days · 0% sells
Short interest
Rising
2.10% of float · ▲ +0.7% MoM · 2.9 days cover
Volume signal
Normal
Volume near normal
Institution breadth
Multi-yr high
139 holders — near 3-yr high, broad support
Squeeze score
45
elevated · 0–100
Fundamentals
EPS growth
+477%
Y/Y
Free cash flow
$9.0M
Valuation
P/E 7.5
below peers
Balance sheet
$143.6M
net cash
Quant / Vol
risk profile
Volatility
29%
annualized · 1-yr
Max drawdown
−16%
past year
ATR
2.3%
of price · 14-day
Blended from price, momentum, positioning, fundamentals & volatility · daily-close · not investment advice. Market backdrop is context, not part of the score.
Guidance & track record
Latest guidance
· from the 8-K filed Jul 23, 2026
SBA gain on sale income
· the third quarter of 2026
Initiated
$500,000 – $600,000
Prior guidance
period ended
· from the 8-K filed Oct 23, 2025
Core Net Interest Margin
· by EOY
3.3%
Guidance from company 8-Ks · delivered figures from as-reported statements · no analyst estimates involved.
Technicals
trend & momentum for long-term holders Buy
50 / 200-day cross
No cross
Neutral
Price vs 200-day avg
+16%
Bullish
Price vs 50-day avg
+1%
Bullish
RSI (14)
50
Neutral
MACD trend
Negative
Bearish
52-week position
93%
Bullish
Volume (OBV)
Confirms
Neutral
Market signals — smart money & positioning
Bullish · 3 of 6
Trend (MA cross)
No cross
50d $16 › 200d $14 — 50d above 200d
Institutional flow
Accumulating
+3% holders QoQ · +24 funds added
Insider flow
Accumulating
Net +$106.8K over 90 days · 0% sells
Short interest
Rising
2.10% of float · ▲ +0.7% MoM · 2.9 days cover
Volume signal
Normal
Volume near normal
Institution breadth
Multi-yr high
139 holders — near 3-yr high, broad support
Price context
position in its 52-week range
Range low $10
Now $16 · 93%
Range high $17
vs 200-day avg +16%
vs 50-day avg +1%
Illustrative technical + ownership context — a signal mix, not investment advice.
Key metrics
the company's own KPIs, from written earnings releases and filings| Metric | Latest | Period | YoY |
|---|---|---|---|
| Cost of deposits (core Bank) | 1.6% | the second quarter of 2026 filing | — |
|
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| Pre-tax earnings related to Primis Mortgage | $2M | the three months ended June 30, 2026 filing | — |
| Allowance for credit losses to total loans | 1.33% | second quarter of 2026 | — |
| Avg. NIB / Avg. Total Deposits | 16.3% | Three Months Ended June 30 | — |
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| Branches | 24 | Q2'26 | — |
| Common equity to assets | 9.96% | 2Q 2026 | — |
| Construction-to-permanent loan volume | 34M | second quarter of 2026 | — |
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| Consumer loan program balances | 75M | second quarter of 2026 | — |
| Core Bank loans (average) | 2B | the second quarter of 2026 | — |
| Core net charge-offs as a percent of average loans (annualized) non-GAAP | 0.53% | Q2'26 | — |
| Core Operating Expense Burden non-GAAP | 24.91M | 2Q26 | — |
| Cost of funds | 2.46% | second quarter of 2026 | — |
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| Digital platform cost of deposits | 3.79% | second quarter of 2026 | — |
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| Digital platform small business balances | 38M | As of June 30, 2026 | — |
| Gross loans to deposits | 100.58% | 2Q 2026 | — |
| Leverage ratio | 8.63% | 2Q 2026 | — |
| Loan pipeline | 158M | As of June 30, 2026 | — |
| Mortgage portfolio loans (Primis Mortgage) | 140M | second quarter of 2026 | — |
| Mortgage warehouse average loan balances | 426M | second quarter of 2026 | — |
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| Mortgage warehouse outstanding loan balances | 544M | As of June 30, 2026 | — |
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| Net Interest Margin | 3.45% | Three Months Ended June 30 | — |
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| Nonperforming assets as a percent of total assets, excluding SBA guarantees | 1.45% | second quarter of 2026 | — |
| Operating earnings per common share - Basic non-GAAP | $0.23 | 2Q 2026 | — |
| Operating earnings per common share - Diluted non-GAAP | $0.23 | 2Q 2026 | — |
| Operating efficiency ratio non-GAAP | 76.51% | 2Q 2026 | — |
| Operating net income (loss) available to Primis' common shareholders non-GAAP | $5.6M | Q2'26 | — |
| Operating return on average assets non-GAAP | 0.53% | 2Q 2026 | — |
|
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| Panacea customer deposits | 169M | As of June 30, 2026 | — |
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| Panacea Financial loans | 583M | second quarter of 2026 | — |
| Panacea loans held for investment | 583M | As of June 30, 2026 | — |
| Panacea loans outstanding | 617M | second quarter of 2026 | — |
|
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| Pre-Tax Pre-Provision Op. ROAA non-GAAP | 1.12% | Three Months Ended June 30 | — |
| Primis Mortgage closed mortgage volume | 421M | second quarter of 2026 | — |
| Tangible book value per common share non-GAAP | $13.72 | second quarter of 2026 | — |
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| Tangible common equity non-GAAP | $340M | second quarter of 2026 | — |
| Tangible common equity to tangible assets non-GAAP | 7.99% | second quarter of 2026 | — |
| Tier 1 risk-based capital ratio | 9.75% | 2Q 2026 | — |
| Total nonperforming assets | 63M | second quarter of 2026 | — |
| Total risk-based capital ratio | 12.32% | 2Q 2026 | — |
| Cost of interest-bearing deposits | 2.65% | Q1 2026 | — |
| Operating Net Income non-GAAP | $8.1M | Q1 2026 | — |
| Operating ROTCE non-GAAP | 10.19% | Q1 2026 | — |
| Retail Mortgage Volume | $367M | Q1 2026 | — |
| TCE / TA non-GAAP | 8.02% | Q1 2026 | — |
Figures exactly as the company stated them in writing · click a metric with a to chart its history · period links open the stating document · "filing" marks figures stated in the 10-K/10-Q · YoY needs an exactly comparable prior-year period
Versus peers
Banks - Regional — same industry group| Company | Mkt cap | YTD | Rev growth Y/Y | P/E | Short % shares |
|---|---|---|---|---|---|
|
FRST
this stock
Primis Financial Corp.
|
$400.26M | +16.2% | — | 7.5 | 2.1% |
|
MFG
Mizuho Financial Group Inc
|
$123.19B | +38.4% | — | — | 0.1% |
|
HDB
Hdfc Bank Ltd
|
$118.97B | -36.1% | +15.2% | — | 0.5% |
|
IBN
Icici Bank Ltd
|
$105.45B | -0.4% | — | — | 0.5% |
|
CIXPF
CaixaBank/ADR
|
$100.59B | +18.7% | — | — | 0.1% |
Peers by industry group · P/E from as-reported trailing EPS · short % is of shares outstanding
At a glance
key data from every sectionOwnership
Short & Settlement
Smart Money
Financials
Filings
Performance
| 5D | 20D | 120D | MTD | YTD | |
|---|---|---|---|---|---|
| FRST | -3.0% | +3.1% | +22.4% | +0.9% | +16.3% |
| SPY | -2.0% | +3.3% | +11.2% | +2.1% | +11.8% |
| vs SPY | -1.0% | -0.3% | +11.2% | -1.1% | +4.4% |
Capital returns
Latest dividend
$0.10
/ share · ex Aug 7, 2026
Paid (TTM)
$0.40
/ share · 4 payouts
Dividend yield (TTM, derived)
2.47%
Buyback program
· as of Sep 30, 2025
Authorized
shares 740,600
Spent (derived)
shares 79,549
Remaining
shares 661,051
Spent
Remaining
Dividends per share over the trailing 365 days by ex-date · buyback figures as last reported in SEC filings ("spent" derived as authorized − remaining; when several programs run concurrently, authorized is their combined total per the newest filing) · components shown separately — trailing-year buyback spend isn't tracked, so no combined shareholder yield is derived.
Key facts
CIK
1325670
CUSIP
74167B109
13F (30d)
145 filings
124 filers
Visit website
Investor relations