Primis Financial Corp. (FRST)
NASDAQFinancialsBanks - RegionalSnapshot 2026-11-04
$14.66-2.72%
Close 2026-11-05 · 1-day change
NASDAQFinancialsBanks - RegionalSnapshot 2026-11-04
QuarterlyIQ Insights · FRST
What must go right, what could break, what the price assumes, and what evidence comes next.
The current health of the standing investment case.
Recent financial performance sits well below its industry cohort — worth keeping an eye on, though it has not freshly broken.
One-year growth currently built into the price, compared with our model's estimate.
| Measure | Marker shape | Value |
|---|---|---|
| Growth built into the price | circle | -27.3% |
| Our one-year growth estimate | diamond | -5.0% |
For each item: what to watch, what would become a concern, and what would make it less concerning.
A reporting-risk estimate, not a forecast of the stock-price response.
Historical relationships that met the evidence threshold. They do not prove cause or forecast a move.
Usually moved in the same direction.
Price observations: 365 days
Most sensitive to the broad stock market.
Based on historical daily prices through 2026-11-04.
Past price behavior in dollars on a $10,000 position. This does not measure permanent business risk.
How much price usually moves either way.
A larger daily loss that occurred about once in every 20 trading days.
Use the underlying financial and sector pages to investigate the cause.
Not investment advice. Scores describe historical and current data; they are not forecasts of future returns. Consult a licensed advisor before making investment decisions.
Growth built into the price is above our model estimate.
The price assumes 22.3 percentage points less one-year growth.
The one-year revenue growth assumption on Valuation.
Worth watching into the next print: this name is on a run of consecutive earnings misses and has been missing across recent quarters. A fundamental tilt, not a price call.
Model as of 2026-11-04 · Compared with 230 industry peers · Company calendar date is not available
FRST — earnings miss
Dated 2026-10-23
Results of Operations and Financial Condition. On October 22, 2026, Primis Financial Corp. (“Primis” or the “Company”) issued a press release announcing its financial results for the period ended September 30, 2026. A copy of the press release is furnished and attached hereto as Exhibit 99.1 to this Current Report on Form 8-K and incorporated herein by reference.
Why it matters: Panacea loans held for investment grew at a 14% annual rate in Q3. More growth would support management's plan to expand its national business lines.
Supportive ifPanacea loans held for investment rise above $603 million in the next report.
Worry ifPanacea loans held for investment fall below $603 million in the next report.
Why it matters: Core costs rose from $21.6 million a year earlier to $24.2 million in Q3. Lower costs would support the company's profit goal.
Worry ifCore operating costs exceed $24.2 million in the next reported quarter.
Less concerning ifCore operating costs fall below $24.2 million in the next reported quarter.
Why it matters: The company declared a $0.10 dividend for November 20. The next declaration will show whether it keeps that payout level.
Watch forThe next company notice declares a quarterly dividend of at least $0.10 per share.
Also watch forThe next company notice says the dividend is below $0.10 per share or that there is no quarterly dividend.
Why it matters: Management tied the bank-wide core conversion to $6.1 million in earnings gains. Delivery would support its profit plan.
Supportive ifA company update confirms planned revenue gains began in late 2026. It reports a clear step toward the $6.1 million total.
Worry ifThe company reports that the revenue gains have not begun by year-end 2026, or that the $6.1 million plan is delayed or cut.
We watch for confirming and disproving signals on each item. Resolutions are found automatically where possible and checked by hand for unclear cases. Last 90 days shown.
Deepest peak-to-trough drop in the last year.
| Measure | Value | Meaning |
|---|---|---|
| Typical day | ±$75 on $10,000 · ±0.8% | How much price usually moves either way. |
| Bad day | $228 loss on $10,000 · 2.3% | A larger daily loss that occurred about once in every 20 trading days. |
| Largest peak-to-trough drop in the past year | $1,164 loss on $10,000 · 11.6% | Deepest peak-to-trough drop in the last year. |
Past year. 1.00 means similar movement; 1.20 means about 20% more.
Past year. 1.00 means similar movement to the sector. This is secondary context.
Latest 30 trading days, shown as an annual percentage.
Latest 252 trading days, shown as an annual percentage.
20-trading-day average in US dollars.
Trading days used by the source risk snapshot.
Past results, not a forecast. Not investment advice.