FRST
Bearish signal
Factor checklist — research, not advice
A check leans with a bullish reading. A cross leans against it. A dash is unavailable or mixed.
- Insider Supports a bullish reading. Open-market purchases outweigh sales
- Congress Unavailable or mixed. No purchase disclosures in the stored window
- Financial indicators Unavailable or mixed. Current ratio 0.07 · operating margin 23% — readings disagree
- Narrative Pulls against a bullish reading. Stored narrative reading is in the bearish band
- Timing Unavailable or mixed. No stored price series
ACHAT TOTAL: 3 255 titres (~51 518,75 $ US)
- Insiders
- Johnson Eric AlanWeichert Margaret M
- Total bought
-
$51,519
Avg buy (VWAP, 90d window) $15.82 vs last close —
- Total sold
-
—
Avg sell (VWAP, 90d window) —
- Last activity
- 2026-09-09
- Last synced
-
2026-09-15 09:49:47
Sign in to request a sync of this company's price history and timing levels.
Insider holdings as a share of total assets aren't available for this company.
Avg buy and avg sell are volume-weighted prices (sum of shares × price, divided by shares) for Form 4 rows in this 90-day window that report both figures. A comparison with last close is market context for that average, not advice.
Recent Form 4
Filings in the 90-day window for this company. Value is shares × price from the filing. Research, not advice.
| Date | Person | Side | Shares | Price | Value | Form 4 |
|---|---|---|---|---|---|---|
| 2026-09-09 | Johnson Eric Alan | Buy | 1,565 | $15.95 | $24,962 | Form 4 |
| 2026-09-01 | Johnson Eric Alan | Buy | 1,280 | $15.60 | $19,968 | Form 4 |
| 2026-09-01 | Weichert Margaret M | Buy | 100 | $15.75 | $1,575 | Form 4 |
| 2026-08-20 | Weichert Margaret M | Buy | 110 | $16.00 | $1,760 | Form 4 |
| 2026-08-06 | Weichert Margaret M | Buy | 100 | $16.37 | $1,637 | Form 4 |
Price (1 year)
Live chart from TradingView — independent market data, as price context around the filings, not the Quorum score. EMA 50/200 and Bollinger load by default. When the exchange is known it is sent as EXCHANGE:SYMBOL; otherwise TradingView resolves the ticker best-effort.
Market snapshot
Signal
Bearish signalScored 2026-09-10
FRST's operational turnaround and improving fundamentals (score: 75) are encouraging, but the critically low liquidity (score: 15) with a current ratio of 0.065 and interest coverage below 1.0 represent existential…
The first sentence of the analysis written for FRST on 2026-09-10 - a real excerpt, not a sample. The rest of it, the 0-100 score and the rating it produced are part of Plus. See plans.
Financial ratios
| Metric | Trend | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
|---|---|---|---|---|---|---|
| Gross Profit Margin | 67.6% | 38.1% | 46.8% | 76.8% | 89.3% | |
| Ebit Margin | 23.2% | -11.4% | -4.7% | 12.2% | 32.0% | |
| Ebitda Margin | 26.2% | -7.9% | -0.9% | 17.5% | 38.5% | |
| Operating Profit Margin | 23.2% | -11.4% | -4.7% | 12.2% | 32.0% | |
| Pretax Profit Margin | 23.2% | -11.4% | -4.7% | 12.2% | 32.0% | |
| Continuous Operations Profit Margin | 18.5% | -9.7% | -4.3% | 10.0% | 25.0% | |
| Net Profit Margin | 19.7% | -6.4% | -3.3% | 10.0% | 25.2% | |
| Bottom Line Profit Margin | 19.7% | -6.4% | -3.3% | 10.0% | 25.2% | |
| Current Ratio | 0.065 | 0.077 | 0.093 | 0.115 | 0.293 | |
| Quick Ratio | 0.065 | 0.077 | 0.093 | 0.115 | 0.293 | |
| Solvency Ratio | 0.020 | -0.002 | 0.000 | 0.007 | 0.013 | |
| Cash Ratio | 0.065 | 0.020 | 0.024 | 0.029 | 0.191 | |
| Price To Earnings Ratio | 5.586 | -17.667 | -39.562 | 20.431 | 11.750 | |
| Price To Earnings Growth Ratio | -0.012 | -0.166 | 0.255 | -0.374 | 0.352 | |
| Forward Price To Earnings Growth Ratio | -0.012 | -0.166 | 0.255 | -0.374 | 0.352 | |
| Price To Earnings Diluted Ratio | 5.586 | -17.667 | -39.562 | 20.789 | 11.937 | |
| Price To Earnings Diluted Growth Ratio | -0.012 | -0.166 | 0.253 | -0.380 | 0.382 | |
| Price To Book Ratio | 0.811 | 0.818 | 0.831 | 0.748 | 0.892 | |
| Price To Sales Ratio | 1.098 | 1.133 | 1.314 | 2.055 | 2.971 | |
| Price To Free Cash Flow Ratio | 37.987 | 15.699 | 11.621 | 25.481 | 14.785 | |
| Price To Operating Cash Flow Ratio | 31.869 | 14.739 | 10.845 | 23.407 | 13.456 | |
| Debt To Assets Ratio | 0.065 | 0.035 | 0.042 | 0.121 | 0.062 | |
| Debt To Equity Ratio | 0.620 | 0.365 | 0.427 | 1.112 | 0.513 | |
| Debt To Capital Ratio | 0.383 | 0.268 | 0.299 | 0.527 | 0.339 | |
| Long Term Debt To Capital Ratio | 0.271 | 0.243 | 0.280 | 0.519 | 0.321 | |
| Financial Leverage Ratio | 9.571 | 10.491 | 10.252 | 9.170 | 8.273 | |
| Working Capital Turnover Ratio | -0.125 | -0.086 | -0.088 | -0.065 | -0.061 | |
| Operating Cash Flow Ratio | 0.005 | 0.006 | 0.009 | 0.005 | 0.010 | |
| Operating Cash Flow Sales Ratio | 0.034 | 0.077 | 0.121 | 0.088 | 0.221 | |
| Free Cash Flow Operating Cash Flow Ratio | 0.839 | 0.939 | 0.933 | 0.919 | 0.910 | |
| Debt Service Coverage Ratio | 0.508 | -0.142 | -0.011 | 0.770 | 1.342 | |
| Interest Coverage Ratio | 0.815 | -0.271 | -0.119 | 0.803 | 2.078 | |
| Short Term Operating Cash Flow Coverage Ratio | 0.249 | 4.985 | 9.467 | 1.929 | 2.742 | |
| Operating Cash Flow Coverage Ratio | 0.041 | 0.152 | 0.179 | 0.029 | 0.129 | |
| Capital Expenditure Coverage Ratio | 6.209 | 16.357 | 14.978 | 12.287 | 11.122 | |
| Dividend Paid And Capex Coverage Ratio | 0.928 | 1.762 | 2.442 | 1.144 | 2.227 | |
| Dividend Payout Ratio | 0.161 | -0.610 | -1.261 | 0.696 | 0.315 | |
| Enterprise Value Multiple | 5.637 | -17.618 | -189.688 | 26.073 | 1.027 |
Sparkline shows each ratio oldest → newest (left → right).
How the latest year compares
For each ratio: its most recent value, the change versus one year earlier, and versus its 5-year average. ▲ higher ▼ lower
| Metric | Current | vs 1Y ago | vs 5Y avg |
|---|---|---|---|
| Gross Profit Margin | 67.6% | ▲29.5% | ▲3.9% |
| Ebit Margin | 23.2% | ▲34.6% | ▲12.9% |
| Ebitda Margin | 26.2% | ▲34.1% | ▲11.5% |
| Operating Profit Margin | 23.2% | ▲34.6% | ▲12.9% |
| Pretax Profit Margin | 23.2% | ▲34.6% | ▲12.9% |
| Continuous Operations Profit Margin | 18.5% | ▲28.2% | ▲10.6% |
| Net Profit Margin | 19.7% | ▲26.0% | ▲10.6% |
| Bottom Line Profit Margin | 19.7% | ▲26.0% | ▲10.6% |
| Current Ratio | 0.065 | ▼-0.011 | ▼-0.064 |
| Quick Ratio | 0.065 | ▼-0.011 | ▼-0.064 |
| Solvency Ratio | 0.019 | ▲0.022 | ▲0.012 |
| Cash Ratio | 0.065 | ▲0.045 | ▼-0.001 |
| Price To Earnings Ratio | 5.586 | ▲23.253 | ▲9.479 |
| Price To Earnings Growth Ratio | -0.012 | ▲0.155 | ▼-0.023 |
| Forward Price To Earnings Growth Ratio | -0.012 | ▲0.155 | ▼-0.023 |
| Price To Earnings Diluted Ratio | 5.586 | ▲23.253 | ▲9.370 |
| Price To Earnings Diluted Growth Ratio | -0.012 | ▲0.155 | ▼-0.027 |
| Price To Book Ratio | 0.811 | ▼-0.007 | ▼-0.009 |
| Price To Sales Ratio | 1.098 | ▼-0.035 | ▼-0.616 |
| Price To Free Cash Flow Ratio | 37.987 | ▲22.288 | ▲16.872 |
| Price To Operating Cash Flow Ratio | 31.869 | ▲17.130 | ▲13.006 |
| Debt To Assets Ratio | 0.065 | ▲0.030 | ▼-0.000 |
| Debt To Equity Ratio | 0.620 | ▲0.255 | ▲0.012 |
| Debt To Capital Ratio | 0.383 | ▲0.115 | ▲0.020 |
| Long Term Debt To Capital Ratio | 0.271 | ▲0.028 | ▼-0.056 |
| Financial Leverage Ratio | 9.571 | ▼-0.920 | ▲0.019 |
| Working Capital Turnover Ratio | -0.125 | ▼-0.039 | ▼-0.040 |
| Operating Cash Flow Ratio | 0.005 | ▼-0.001 | ▼-0.002 |
| Operating Cash Flow Sales Ratio | 0.034 | ▼-0.042 | ▼-0.074 |
| Free Cash Flow Operating Cash Flow Ratio | 0.839 | ▼-0.100 | ▼-0.069 |
| Debt Service Coverage Ratio | 0.508 | ▲0.650 | ▲0.014 |
| Interest Coverage Ratio | 0.815 | ▲1.086 | ▲0.154 |
| Short Term Operating Cash Flow Coverage Ratio | 0.248 | ▼-4.736 | ▼-3.626 |
| Operating Cash Flow Coverage Ratio | 0.041 | ▼-0.111 | ▼-0.065 |
| Capital Expenditure Coverage Ratio | 6.209 | ▼-10.147 | ▼-5.981 |
| Dividend Paid And Capex Coverage Ratio | 0.928 | ▼-0.834 | ▼-0.773 |
| Dividend Payout Ratio | 0.161 | ▲0.771 | ▲0.300 |
| Enterprise Value Multiple | 5.637 | ▲23.254 | ▲40.551 |
Key metrics
| Metric | Trend | 2025 | 2024 | 2023 | 2022 | 2021 |
|---|---|---|---|---|---|---|
| Market cap | $343.1M | $287.9M | $312.5M | $291.0M | $367.5M | |
| Enterprise value | $461.7M | $351.9M | $395.7M | $645.7M | $48.9M | |
| EV / Sales | 1.48x | 1.39x | 1.66x | 4.56x | 0.40x | |
| EV / Op. cash flow | 42.88x | 18.02x | 13.73x | 51.93x | 1.79x | |
| EV / Free cash flow | 51.11x | 19.19x | 14.71x | 56.53x | 1.97x | |
| EV / EBITDA | 5.64x | -17.62x | -189.69x | 26.07x | 1.03x | |
| Net debt / EBITDA | 1.45x | -3.21x | -39.87x | 14.32x | -6.69x | |
| Current ratio | 0.07x | 0.08x | 0.09x | 0.12x | 0.29x | |
| Income quality | 0.19x | -0.79x | -2.85x | 0.88x | 0.88x | |
| Graham number | $31 | — | — | $14 | $22 | |
| Graham net-net | -$134 | -$125 | -$128 | -$117 | -$89 | |
| Tax burden | 84.7% | 56.1% | 70.1% | 81.6% | 78.6% | |
| Interest burden | 100.0% | 100.0% | 100.0% | 100.0% | 100.0% | |
| Working capital | -$2.06B | -$2.93B | -$2.97B | -$2.41B | -$1.96B | |
| Invested capital | -$1.89B | -$2.80B | -$2.83B | -$2.27B | -$1.82B | |
| Return on assets | 1.5% | -0.4% | -0.2% | 0.4% | 0.9% | |
| Operating ROA | 1.9% | -0.8% | -0.3% | 0.5% | 1.2% | |
| Return on tangible assets | 1.6% | -0.5% | -0.2% | 0.4% | 0.9% | |
| Return on equity | 14.5% | -4.6% | -2.1% | 3.6% | 7.6% | |
| Return on invested capital | 3.1% | -4.8% | -1.7% | 1.7% | 4.8% | |
| Return on capital employed | 3.9% | -5.6% | -1.9% | 2.1% | 6.2% | |
| Earnings yield | 17.9% | -5.6% | -2.5% | 4.9% | 8.5% | |
| Free cash flow yield | 2.6% | 6.4% | 8.6% | 3.9% | 6.8% | |
| Capex / Op. cash flow | 16.1% | 6.1% | 6.7% | 8.1% | 9.0% | |
| Capex / Depreciation | 18.5% | 13.4% | 21.2% | 13.6% | 30.5% | |
| Capex / Sales | 0.6% | 0.5% | 0.8% | 0.7% | 2.0% | |
| SG&A / Sales | 29.9% | 28.0% | 26.7% | 37.4% | 31.7% | |
| R&D / Sales | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | |
| Stock comp / Sales | 0.9% | 0.4% | 0.3% | 0.3% | 0.6% | |
| Intangibles / Total assets | 2.3% | 2.8% | 2.8% | 3.3% | 3.1% | |
| Days sales outstanding | 21d | 0d | 0d | 0d | 35d | |
| Days payables outstanding | 0d | 0d | 0d | 0d | 0d | |
| Operating cycle | 21d | 0d | 0d | 0d | 35d | |
| Cash conversion cycle | 21d | 0d | 0d | 0d | 35d |
Change by theme
Grouped by what each metric measures. Each figure is the change over the period shown — ▲ up ▼ down versus then.
Change over 1 year
Valuation
Market cap ▲+19.2%EV / Sales ▲+6.6%EV / EBITDA ▲+132.0%EV / Op. cash flow ▲+24.862Earnings yield ▲+0.235
Profitability
Return on equity ▲+0.191Return on assets ▲+0.020Return on invested capital ▲+0.078Return on capital employed ▲+0.095Operating ROA ▲+0.026Income quality ▲+0.978Tax burden ▲+0.286
Efficiency
Days sales outstanding n/aDays payables outstanding n/aOperating cycle n/aCash conversion cycle n/aCapex / Sales ▲+0.001R&D / Sales n/a
Balance-sheet strength
Current ratio ▼-0.011Net debt / EBITDA ▲+4.654Working capital ▲+873948000.000Invested capital ▲+907209000.000Intangibles / Total assets ▼-0.005
Change over 5 years
Valuation
Market cap ▼-6.6%EV / Sales ▲+273.9%EV / EBITDA ▲+449.1%EV / Op. cash flow ▲+41.092Earnings yield ▲+0.094Graham number ▲+9.023
Profitability
Return on equity ▲+0.070Return on assets ▲+0.006Return on invested capital ▼-0.017Return on capital employed ▼-0.023Operating ROA ▲+0.007Income quality ▼-0.694Tax burden ▲+0.061
Efficiency
Days sales outstanding ▼-14.041Days payables outstanding n/aOperating cycle ▼-14.041Cash conversion cycle ▼-14.041Capex / Sales ▼-0.014R&D / Sales n/a
Balance-sheet strength
Current ratio ▼-0.228Net debt / EBITDA ▲+8.142Working capital ▼-97910000.000Invested capital ▼-75441000.000Intangibles / Total assets ▼-0.008
Employee count
Peer market caps
Congressional trades
STOCK Act disclosures (90-day window)
Amounts are STOCK Act brackets as disclosed. Quorum does not turn a bracket into an exact price or a midpoint.
No STOCK Act disclosures for this company in this window.
Recent news
- 2026-08-05 7 Dividend Stocks You Must Buy Immediately to Get Paid in August Here''s an alert for income investors with a quick deadline. Seven small-bank dividend stocks all share the same imminent ex-dividend date: Friday, August 7.
- 2026-08-04 Primis Financial: Strong End Market Growth Primis Financial Corp (FRST) is rated BUY, driven by strong 2Q26 results, 44% share price appreciation, and a 13.5% forward P/E discount to peers. FRST''s niche focus on mortgage warehouse loans and Panacea Financial for medical professionals delivers higher yields, low efficiency ratio (25%), and sustainable net interest margins. Consistent dividend history (2.5% yield) and a recent share buyback program enhance shareholder returns and provide downside protection.
- 2026-07-24 Primis Financial Corp. (FRST) Q2 2026 Earnings Call Transcript Primis Financial Corp. (FRST) Q2 2026 Earnings Call Transcript
- 2026-07-24 Primis Financial Q2 Earnings Call Highlights Primis Financial NASDAQ: FRST reported second-quarter 2026 net income of $9.4 million, or $0.38 per diluted share, up from $7.3 million, or $0.30 per share, in the first quarter and $2.4 million, or $0.10 per share, a year earlier.
- 2026-07-23 Primis Financial (FRST) Q2 Earnings: Taking a Look at Key Metrics Versus Estimates The headline numbers for Primis Financial (FRST) give insight into how the company performed in the quarter ended June 2026, but it may be worthwhile to compare some of its key metrics to Wall Street estimates and the year-ago actuals.
- 2026-07-23 Primis Financial (FRST) Lags Q2 Earnings Estimates Primis Financial (FRST) came out with quarterly earnings of $0.23 per share, missing the Zacks Consensus Estimate of $0.41 per share. This compares to earnings of $0.11 per share a year ago.
- 2026-07-23 Primis Financial Corp. Reports Strong Results for the Second Quarter of 2026 Declares Quarterly Cash Dividend of $0.10 Per Share MCLEAN, Va., July 23, 2026 /PRNewswire/ -- Primis Financial Corp. (NASDAQ: FRST) ("Primis" or the "Company"), and its wholly-owned subsidiary, Primis Bank (the "Bank"), today reported net income available to common shareholders of $9.4 million, or $0.38 per diluted share, for the three months ended June 30, 2026, compared to net income available to common shareholders of $2.4 million, or $0.10 per diluted share, for the three months ended June 30, 2025.
- 2026-07-16 Primis Financial (FRST) Earnings Expected to Grow: What to Know Ahead of Next Week''s Release Primis Financial (FRST) doesn''t possess the right combination of the two key ingredients for a likely earnings beat in its upcoming report. Get prepared with the key expectations.
- 2026-07-10 Primis Financial Corp. Announces Date for Second Quarter 2026 Earnings Release and Conference Call MCLEAN, Va., July 10, 2026 /PRNewswire/ -- Primis Financial Corp. (NASDAQ: FRST) (the "Company") today announced that it will release second quarter 2026 results after the market closes on Thursday, July 23, 2026.
- 2026-06-30 Primis Financial Corp. Announces Appointment of New Board Member Margaret Weichert MCLEAN, Va., June 30, 2026 /PRNewswire/ -- Primis Financial Corp. (NASDAQ: FRST) ("Primis" or the "Company") and its wholly-owned subsidiary Primis Bank, today announced that Ms.