Primis Financial Corp. (FRST)
NASDAQFinancialsBanks - RegionalSnapshot 2026-11-04
$15.07+1.69%
Close 2026-11-04 · 1-day change
NASDAQFinancialsBanks - RegionalSnapshot 2026-11-04
QuarterlyIQ Insights · FRST
How strong the business is — where it ranks within its sector on capital efficiency and cash generation, and how well management has been executing.
How management runs the business: capital, margins, balance sheet, and how reliably they guide and deliver.
A guidance track record builds as the company issues and delivers on guidance.
Priorities management has stated in recent disclosures, with status and evidence drawn from earnings calls, filings, and press releases.
In a steady environment for retail mortgage, we would have been at our 1.00% ROAA target this quarter as expected.
Stated in 3 of 3 supplied quarters. Management reported: “In a steady environment for retail mortgage, we would have been at our 1.00% ROAA target this quarter as expected.” “Our expectations for a robust level of profitability in 2026 are on track as we continue operating our plan to maximize results.””
Each factor is a parallel diagnostic with a clear read of what it shows and how names like it have historically fared. Never aggregated into a single score.
Operating income rose in 1 of the last 3 quarter-over-quarter moves. Historically, Financials names rated weak grew net income 57% of the time over the next year (vs 59% for the rest of the cohort, n=7714).
Not investment advice. Scores describe historical and current data; they are not forecasts of future returns. Consult a licensed advisor before making investment decisions.
“In a steady environment for retail mortgage, we would have been at our 1.00% ROAA target this quarter as expected.”
“Division Updates The second quarter of 2026 demonstrated continued progress across the Company’s strategies to meet its growth and profitability goals in 2026.”
“Our expectations for a robust level of profitability in 2026 are on track as we continue operating our plan to maximize results.””
As disclosed in the second quarter of 2026, the Company expects approximately $3.0 million of annualized savings from vendor consolidation and statement services beginning early in 2027.
Stated in 2 of 3 supplied quarters. Management reported: “Core Consolidation Initiative In 2025, the Company announced its decision to fully convert its core bank and all divisions onto its real-time, fully digital core that had served as the backbone of its successful national deposit origination platform.” “Additional earnings improvements from this evaluation are expected to begin late in 2026 and be fully implemented in early 2027.”
“As disclosed in the second quarter of 2026, the Company expects approximately $3.0 million of annualized savings from vendor consolidation and statement services beginning early in 2027.”
“Core Consolidation Initiative In 2025, the Company announced its decision to fully convert its core bank and all divisions onto its real-time, fully digital core that had served as the backbone of it…”
We are already making changes to close the gap during this period of lower volumes while preserving our ability to benefit when volumes eventually recover.”
Stated in 3 of 3 supplied quarters. Management reported: “3 The Company believes it still has substantial ability to contain expenses while growing revenue as it aggressively adopts artificial intelligence tools and agents to drive productivity.” “Lastly, the Company is also in the beginning stages of deploying artificial intelligence tools and agents to drive ongoing productivity improvements in order to preserve operating leverage.”
“We are already making changes to close the gap during this period of lower volumes while preserving our ability to benefit when volumes eventually recover.””
“Lastly, the Company is also in the beginning stages of deploying artificial intelligence tools and agents to drive ongoing productivity improvements in order to preserve operating leverage.”
“3 The Company believes it still has substantial ability to contain expenses while growing revenue as it aggressively adopts artificial intelligence tools and agents to drive productivity.”
Use the digital platform to fund nationwide business lines while supporting deposit growth and the core bank's funding base.
Continue the quarterly cash dividend, which management has described as a consecutive quarterly payment.
Over the trailing year it converted 1.39x of net income into operating cash flow. Historically, Financials names rated neutral grew net income 60% of the time over the next year (vs 57% for the rest of the cohort, n=9158).
Most sensitive to the broad stock market.
Not enough signal to read sensitivity to the US dollar, long-term interest rates, real (inflation-adjusted) rates, Fed net liquidity (low R² over the window).
18 material management or governance events in the past 24 months, led by capital-allocation actions. Historically, Financials names rated volatile grew net income 58% of the time over the next year (vs 59% for the rest of the cohort, n=7346).
Not investment advice. As of 2026-11-04.