US · FRST
Primis Financial Corp.
- Sector
- Financial Services · Banks - Regional
- Headquarters
- McLean, VA 22101
- Website
- primisbank.com
Price · as of 2025-12-31
$14.70
Market cap 326.23M
Valuation summary
Four models, one snapshot. Upside is target ÷ current − 1.
| Valuation method | Value, $ | Upside, % |
|---|---|---|
| Artificial Intelligence(AI) | $77.11 | +424.56% |
| Intrinsic Value(DCF) | $996.93 | +6,681.84% |
| Graham-Dodd Method(GD) | $29.60 | +101.34% |
| Graham Formula(GF) | $75.05 | +410.53% |
Valuation history
Annual price (USD per share) overlaid with each model's fair value. Y-axis is log scale.
| Year | Price | AI | DCF | Graham-Dodd | Graham Formula |
|---|---|---|---|---|---|
| 2011 | $4.35 | $57.64 | $8.29 | $9.65 | $1.34 |
| 2012 | $6.37 | $24.96 | $11.60 | $7.27 | $10.36 |
| 2013 | $6.78 | $45.86 | $8.22 | $7.36 | $0.78 |
| 2014 | $8.63 | $32.04 | $8.75 | $2.73 | $10.09 |
| 2015 | $9.31 | $18.33 | $9.01 | $4.92 | $17.37 |
| 2016 | $12.61 | $22.50 | $9.61 | $8.87 | $14.90 |
| 2017 | $12.64 | $25.79 | $16.91 | $8.00 | $10.51 |
| 2018 | $12.17 | $18.92 | $104.65 | $12.47 | $70.19 |
| 2019 | $11.06 | $21.80 | $82.09 | $12.92 | $14.38 |
| 2020 | $13.45 | $38.33 | $14.09 | $10.62 | $8.43 |
| 2021 | $12.30 | $55.26 | $13.78 | $13.03 | $3.29 |
| 2022 | $9.14 | $37.16 | $14.08 | $8.44 | $12.62 |
| 2023 | $11.42 | $44.77 | $71.69 | $3.84 | $0.00 |
| 2024 | $9.74 | $22.59 | $12.88 | $1.17 | $0.00 |
| 2025 | $13.36 | $77.11 | $304.86 | $29.60 | $75.05 |
AI valuation
Our deep-learning model estimates Primis Financial Corp.'s (FRST) per-share fair value from quarterly fundamentals, sector trend, and historical valuation patterns.
- AI fair value
- $77.11
- Current price
- $14.70
- AI upside
- +424.56%
Methodology and confidence bands appear in the dedicated valuation theory section. The AI score is an estimate, not a recommendation.
Intrinsic value (DCF)
Open DCF calculatorThree textbook valuation models, recomputed daily from the latest financial statements. The DCF uses our Chepakovich model. Graham-Dodd and Graham Formula are conservative reference points.
DCF
$996.93
+6,681.84% upside
Graham-Dodd
$29.60
+101.34% upside
Graham Formula
$75.05
+410.53% upside
Peer comparison
Same-industry comparables, ranked by market cap.
| Basic Info | Model Valuation | Core Valuation | Profitability | Leverage & Liquidity | Growth | Cash Flow | Dividends | Enterprise Value | Risk | ||||||||||||||||||||||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Ticker | Company Name | Price | Market Cap | AI Upside | DCF Upside | GD Upside | GF Upside | P/E | P/B | P/S | EV/EBITDA | PEG | P/TBV | Gross Margin | Operating Margin | Net Margin | ROE | ROIC | ROA | Debt/Equity | Interest Coverage | Current Ratio | Quick Ratio | Net Debt/EBITDA | EPS Growth | Sales Growth | FCF Growth | FCF Yield | Op Cash Flow Ratio | Cash ROIC | Dividend Yield | Dividend Payout | Shareholder Yield | EV/EBIT | EV/FCF | EV/Sales | Altman Z-Score |
| FRST | Primis Financial Corp. | $14.70 | 326.23M | +425% | +6,682% | +101% | +411% | 5.36 | 0.78 | 1.05 | 6.18 | — | 1.00 | 67.59% | 23.21% | 19.66% | 15.86% | 14.86% | 1.59% | 0.62 | 0.82 | 0.07 | 0.07 | 1.63 | -47727.00% | 2302.00% | -10000.00% | 0.00% | 0.00 | 0.00% | 0.00% | 0.00% | 0.00% | 6.18 | — | 1.43 | -0.42 |
| COSO | CoastalSouth Bancshares, … | $24.55 | 294.08M | — | — | +20% | +83% | — | — | — | — | — | — | 54.61% | 20.98% | 16.89% | 12.47% | -263.38% | 1.06% | 0.08 | 0.47 | 0.05 | 0.05 | -1.81 | -1899.00% | 1341.00% | -13824.00% | — | -0.01 | 169.34% | — | 0.00% | — | — | — | — | — |
| CZFS | Citizens Financial Servic… | $60.06 | 288.67M | +306% | -13% | +51% | +37% | 7.96 | 0.86 | 1.68 | 2.70 | 25.20 | 1.16 | 63.32% | 26.03% | 21.11% | 11.47% | 10.87% | 1.20% | 0.92 | 0.74 | 0.94 | 0.94 | 6.10 | 3161.00% | 275.00% | -10000.00% | 0.00% | 0.00 | 0.00% | 0.00% | 0.00% | 0.00% | 2.70 | — | 0.70 | 0.25 |
| FINW | FinWise Bancorp | $16.84 | 228.8M | +662% | +40,598% | +27% | +351% | 13.40 | 1.12 | 1.43 | 8.28 | 62.32 | 1.14 | 61.00% | 14.41% | 10.66% | 8.77% | 13.94% | 1.87% | 0.02 | 1.07 | 8.98 | 8.98 | -0.35 | 2151.00% | 5489.00% | -10000.00% | 0.00% | 0.00 | 0.00% | 0.00% | 0.00% | 0.00% | 8.28 | — | 1.19 | 0.63 |
| ISBA | Isabella Bank Corporation | $47.56 | 348.86M | +241% | -10% | -21% | -4% | 18.94 | 1.55 | 3.20 | -0.90 | 50.34 | 1.96 | 70.60% | 19.76% | 16.88% | 8.56% | -45.32% | 0.88% | 0.62 | 0.66 | 0.43 | 0.43 | 5.40 | 3763.00% | 1011.00% | -10000.00% | 0.00% | 0.00 | 0.00% | 0.00% | 0.00% | 0.00% | -0.90 | — | -0.18 | -0.10 |
| JMSB | John Marshall Bancorp, In… | $19.20 | 272.73M | +102% | -12% | +2% | +137% | 14.21 | 0.99 | 2.16 | 7.90 | 6.09 | 0.99 | 47.76% | 19.46% | 15.23% | 7.19% | 18.06% | 0.76% | 0.35 | 0.37 | 0.08 | 0.08 | -1.54 | 23333.00% | 3096.00% | -354.00% | 6.90% | 0.01 | 17.70% | 1.46% | 20.80% | 1.49% | 8.51 | 11.10 | 1.66 | -0.68 |
| LNKB | LINKBANCORP, Inc. | $8.65 | 324.01M | +1,024,537% | +23,719% | -42% | +1,164% | 9.42 | 0.88 | 1.47 | 5.17 | — | 1.23 | 64.74% | 20.05% | 15.64% | 9.61% | 13.11% | 0.94% | 0.46 | 0.57 | 0.07 | 0.07 | -0.94 | -20597.00% | 15283.00% | -173102.00% | 9.14% | 0.01 | 11.29% | 4.50% | 42.40% | 23.18% | 6.20 | 9.23 | 1.24 | -0.76 |
| MBCN | Middlefield Banc Corp. | $33.67 | 272.39M | +279% | -24% | +7% | -17% | 14.01 | 1.19 | 2.42 | 11.87 | 57.25 | 1.44 | 65.85% | 20.91% | 17.29% | 8.82% | 9.27% | 1.03% | 0.81 | 0.60 | 0.40 | 1.53 | -1.54 | 2448.00% | 354.00% | -10000.00% | 0.00% | 0.00 | 0.00% | 0.00% | 0.00% | 63.96% | 11.87 | — | 2.48 | 0.24 |
| NECB | Northeast Community Banco… | $24.20 | 326.31M | +130% | +292% | +37% | +298% | 6.02 | 0.89 | 1.77 | 3.13 | 99.85 | 0.89 | 63.74% | 41.15% | 29.45% | 15.75% | 17.95% | 2.49% | 0.01 | 1.15 | 0.05 | 0.05 | -1.10 | 602.00% | 1955.00% | 1412.00% | 17.01% | 0.03 | 18.37% | 2.78% | 16.70% | 30.06% | 3.19 | 4.35 | 1.31 | -0.51 |
| NWFL | Norwood Financial Corp. | $29.06 | 270.08M | +8,168% | -59% | +32% | +326% | 9.77 | 1.12 | 1.99 | -2.61 | — | 1.27 | 63.63% | 26.07% | 20.39% | 12.18% | -30.17% | 1.17% | 0.31 | 0.74 | 155.21 | 155.21 | 1.15 | -1525000.00% | 3422.00% | -10000.00% | 0.00% | 0.00 | 0.00% | 0.00% | 0.00% | 29.68% | -2.69 | — | -0.70 | 1.38 |
| TSBK | Timberland Bancorp, Inc. | $38.08 | 300.24M | -25% | -9% | -10% | +60% | 9.33 | 1.04 | 2.46 | 0.34 | 42.56 | 1.10 | 70.10% | 32.79% | 26.39% | 11.48% | 247.17% | 1.48% | 0.09 | 1.13 | 0.17 | 0.17 | -5.88 | 2193.00% | 881.00% | 3092.00% | 10.44% | 0.02 | 240.91% | 2.97% | 27.70% | 32.35% | 0.37 | 0.47 | 0.12 | -0.48 |
About Primis Financial Corp.
Primis Financial Corp. operates as the bank holding company for Primis Bank that provides a range of financial services to individuals and small and medium sized businesses in the United States. Its deposit products include checking, NOW, savings, and money market accounts, as well as certificates of deposits. The company also offers commercial business and real estate, construction, secured asset based, small business administration, mortgage warehouse lending products, as well as financing for medical, dental, and veterinary businesses; residential mortgage, trust mortgage, home equity lines of credit, secured and unsecured personal, and consumer loans, as well as life insurance premium financing and demand loans. It also offers cash management services comprising investment/sweep, zero balance, and controlled disbursement accounts; and wire transfer, employer/payroll processing, night depository, depository transfer, merchant, ACH origination, and remote deposit capture services. In addition, the company provides debit cards, ATM services, notary services, and mobile and online banking. As of December 31, 2021, it operated forty full-service branches in Virginia and Maryland. The company was formerly known as Southern National Bancorp of Virginia, Inc. and changed its name to Primis Financial Corp. Primis Financial Corp. was founded in 2004 and is based in McLean, Virginia.
- CEO
- Dennis J. Zember Jr.
- Employees
- 592
- Beta
- 0.74
Disclaimer: Information on this page is provided for educational purposes only and does not constitute investment advice. Upside computed as ($996.93 ÷ $14.70) − 1 = +6,681.84% (DCF, example).