PRIMIS FINANCIAL CORP (FRST)
Financials · regional banks · NASDAQ
A technology-forward community bank combining a physical branch presence in the Mid-Atlantic with national digital banking reach and specialized financial services for healthcare professionals.
What PRIMIS FINANCIAL CORP does
Primis Financial Corp. is a bank holding company that operates Primis Bank, providing a range of financial services to individuals and small to medium-sized businesses. The company operates through a network of full-service branches in Virginia and Maryland, as well as digital banking platforms. It also includes Primis Mortgage Company, a residential mortgage lender, and maintains a specialized focus on healthcare financial services through its Panacea Financial brand.
Themes: community banking, digital banking, healthcare finance, mortgage lending, fintech integration
Fundamentals
- Price$16.15 as of 2026-08-21 close
- Market cap$401M as of 2026-08-21
- 1-year return+50.8% 2025-08-21 close $10.71 → 2026-08-21 close $16.15
- P/E7.75 as of 2026-08-24
- Net margin+3.5% as of 2026-08-24
- ROE+12.8% as of 2026-08-24
- Debt / equity0.20 as of 2026-08-24
- Beta0.72 as of 2026-08-24
- Last reported earnings2026-07-23 SEC EDGAR Form 8-K (Item 2.02)
Dividend: yield +4.0%; at least 5 years of non-decreasing per-share dividends (SEC XBRL) — we do not hold the year before it, so the real streak may be longer.
How FRST compares in its sector
- price-to-earnings ratiobottom 25% 525 covered Financials peers, as of 2026-08-24
- net profit marginbottom 25% 538 covered Financials peers, as of 2026-08-24
- operating marginbottom 25% 534 covered Financials peers, as of 2026-08-24
- return on equitymiddle range 575 covered Financials peers, as of 2026-08-24
- indicated dividend yieldmiddle range 453 covered Financials peers, as of 2026-08-24
- free cash flow (absolute dollars, latest fiscal year)bottom 25% 431 covered Financials peers, as of FY2025
Position among covered Financials companies that report each metric (minimum 5 peers). A relative position within our covered catalog — not a valuation, quality, or investment judgment. A higher percentile is simply a higher value (for P/E, more expensive on earnings — never "better"). Informational only.
Dividend coverage (FY2025)
Exceeded at least one reported measure. In FY2025, FRST's dividend exceeded at least one reported measure of what it earned or generated (earnings payout 16%, free-cash-flow payout 109%). A payout above 100% in one year is not necessarily unsustainable, but it is not fully covered by that measure.
- Earnings payout16% dividends / net income
- Free-cash-flow payout109% dividends / (operating cash flow − capex)
Coverage derived from reported SEC EDGAR XBRL figures for FY2025 (dividends paid vs. net income and free cash flow, same fiscal year). This describes PAST coverage for one fiscal year — it does not predict whether a dividend will be maintained, raised, or cut, and a one-year payout ratio can be distorted by non-recurring items. Informational only — not financial advice.
How PRIMIS FINANCIAL CORP looks technically
PRIMIS FINANCIAL CORP (FRST) is trading 15.8% above its 200-day average, the long-term trend line — a longer-term uptrend. Its 50-day average crossed above its 200-day average about 261 trading days ago — a "golden cross", a bullish long-term signal. There is no clear trend right now — the price is choppy (ADX, a 0–100 trend-strength gauge, is 17, below the 25 that marks a real trend). Momentum is neutral — its 14-day RSI (a 0–100 momentum gauge) is 49, neither overbought (above 70) nor oversold (below 30). MACD, a trend-momentum gauge, turned bearish about 3 trading days ago (its momentum flipped negative). It made a new 20-day high about 7 trading days ago. It is 4.3% below its 52-week high (its highest price of the past year). Day-to-day price swings are unusually narrow versus its own recent history — a "Bollinger squeeze" (in the tightest 6% of the past ~6 months), which often precedes a bigger move.
Trend
8
| Distance from the 200-day | it is trading 15.8% above its 200-day average, the long-term trend line — a longer-term uptrend | +15.8% |
|---|---|---|
| 50-day moving average | its average price over the last 50 trading days — a short-term trend line — is $15.99 | $15.99 |
| 200-day moving average | its average price over the last 200 trading days — the long-term trend line — is $13.95 | $13.95 |
| Swing structure | each recent peak has been higher than the one before it and each dip has been shallower — the pattern chart-watchers call an uptrend, which describes where price has already been and not where it goes next | higher highs and higher lows |
| Last swing turn | its last significant turn was a swing high 8 calendar days ago — the swings before that are what the structure reading is measured on | 8 sessions |
| Wave structure | its recent swings can be read as a completed three-part upward correction — a pullback in the A-B-C shape Elliott-wave chartists use; the labelling fails if price closes above 16.88. It is the only labelling that fits, though not with textbook proportions, and it describes the swings already printed, not what comes next. | possible three-wave upward correction, complete (atypical proportions) |
| Since the 50/200 cross | its 50-day average crossed above its 200-day average about 261 trading days ago — a "golden cross", a bullish long-term signal | 261 sessions |
| Trend strength (14-day ADX) | there is no clear trend right now — the price is choppy (ADX, a 0–100 trend-strength gauge, is 17, below the 25 that marks a real trend) | 17.0 |
Momentum
3
| 14-day RSI | momentum is neutral — its 14-day RSI (a 0–100 momentum gauge) is 49, neither overbought (above 70) nor oversold (below 30) | 49.1 |
|---|---|---|
| Position in its 14-day range | it is trading in the lower half of its 14-day range ($15.91 to $16.88) — its "stochastic" reading is 25 out of 100, where 0 would mean closing exactly at the 14-session low and 100 exactly at the high. This measures WHERE the price sits inside its recent range, which is a different question from the RSI beside it: RSI is a momentum gauge, measuring how FAST the price has been moving, so a stock can drift quietly to the bottom of its range with an ordinary RSI, or fall sharply and still sit in the middle. It has been slipping within that range over the last few sessions. | 24.7 |
| Since the MACD crossed zero | MACD, a trend-momentum gauge, turned bearish about 3 trading days ago (its momentum flipped negative) | 3 sessions |
Range
12
| 52-week high | its highest closing price over the past year (about 252 trading days) was $16.88 | $16.88 |
|---|---|---|
| From the 52-week high | it is 4.3% below its 52-week high (its highest price of the past year) | -4.3% |
| Above the 52-week low | it is 69.1% above its 52-week low (its lowest price of the past year) | +69.1% |
| Below the 52-week high | it is 4.3% below its highest point of the past year | 4.3% |
| Since a 20-day breakout | it made a new 20-day high about 7 trading days ago | 7 sessions |
| Since a 55-day breakout | it made a new 55-day high about 7 trading days ago | 7 sessions |
| All-time high | its highest closing price on record is $18.48 (set on 2017-04-27) | $18.48 |
| Given back of the 52-week move | over the past year its closes ranged ($9.59 to $16.67), and it has given back only a small part of its rise from last year’s low — 7% of it. Chart-watchers call 61.8%-65% given back the "golden pocket" — for this company that is $12.07 to $12.29. It is watched widely enough that orders cluster there, which is the honest reason it matters; it is not a forecast. | 7.3% |
| From the all-time high | it is 12.6% below its all-time high | -12.6% |
| Nearest price level | it is trading 4.2% below a resistance level at $16.82 — a price it turned at twice since 2026-06-26, most recently on 2026-08-13. Since 2024-08-21 it has 15 such levels below the current price and 1 above. Levels like these describe where the price has reversed or paused before; they are not a forecast of where it will go. | +4.2% |
| All-time low | its lowest closing price on record is $3.25 (set on 2009-03-05) | $3.25 |
| Above the all-time low | it is 396.9% above its all-time low | +396.9% |
Volatility
5
| Band width vs its own 6 months | day-to-day price swings are unusually narrow versus its own recent history — a "Bollinger squeeze" (in the tightest 6% of the past ~6 months), which often precedes a bigger move | 6th percentile |
|---|---|---|
| Typical daily range | in a typical session it travels about $0.3386 between its high and its low — about 2.1% of its price. That is its "average true range" over the last 14 sessions, which also counts the distance from the previous close, so a day that opens well away from yesterday counts as the large move it was | $0.3386 |
| Bollinger bands (20-day, ±2σ) | most of its recent trading has stayed between about $15.77 and $16.78 — the "Bollinger bands", a range drawn two standard deviations either side of its 20-day average price, which widens when the stock gets more volatile and narrows when it settles | $15.77 – $16.27 – $16.78 |
| Typical daily range (% of price) | its price moves about 2.1% in a typical session — calmer than most companies we cover. This is the average gap between a session's high and low over the last 14 sessions, counting overnight moves, expressed against the current price so it can be compared with companies trading at any price | 2.1% |
| Stretch from the 200-day average | it is trading 6.5 daily ranges above its 200-day average price (15.8% above it in plain percentage terms) — a way of asking how far it has stretched from its own average in units of how far it normally moves in a day, so a calm company and a jumpy one can be compared on the same scale | 6.5 daily ranges above its 200-day average |
Volume
1
| Volume vs its 30-day average | trading volume is about normal versus its 30-day average | 1.71× |
|---|
Analyst
2
| Change in the average price target | analysts have raised their average price target by 3.0% since the prior reading | +3.0% |
|---|---|---|
| Change in the consensus rating | the analyst consensus rating is unchanged since the prior reading | unchanged |
Candlestick patterns
2
| Since a doji | 5 sessions ago it opened and closed at almost the same price after trading through a wider range — a "doji", the classic picture of buyers and sellers finishing the session level | 5 sessions ago |
|---|---|---|
| Since a bearish engulfing | 3 sessions ago it opened above the previous session's close and finished below that session's open — a "bearish engulfing" pair, where one down day more than undid the up day before it | 3 sessions ago |
Price gaps
2
| Gap at the open | it opened on 2026-08-21 0.9% above the previous session's close — an overnight gap, the part of the move that happened while the market was shut, and traded back through that level before the close | +0.9% |
|---|---|---|
| Gap filled | a 2.3% gap up opened on 2026-06-10 has been "filled" 48 sessions ago — price traded back through the level the gap left behind, and it took 1 session to close | 48 sessions ago |
Price streaks
1
| Closing streak | it closed lower in its latest session, after a session that did not close lower — a single down day rather than a run | 1 session down |
|---|
Relative strength
4
| vs market, 1 month | over the past 1 month this stock lagged the market by 1.7 percentage points (the stock gained 0.6% while the market gained 2.3%) | -1.7% |
|---|---|---|
| vs market, 3 months | over the past 3 months this stock beat the market by 9.3 percentage points (the stock gained 12.4% while the market gained 3.1%) | +9.3% |
| vs market, 6 months | over the past 6 months this stock beat the market by 5.3 percentage points (the stock gained 16.4% while the market gained 11.1%) | +5.3% |
| vs market, 12 months | over the past 12 months this stock beat the market by 30.3 percentage points (the stock gained 50.8% while the market gained 20.5%) | +30.3% |
Signal agreement
2
| Bullish technical signals | 4 of the 9 technical signals we can compute for it are currently in a bullish state: a "golden cross" — its 50-day average is above its 200-day, trading above its 200-day average, outperforming the market over 6 months, trading above the Ichimoku cloud — these describe past price behaviour, not a forecast | 4 of 9 |
|---|---|---|
| Bearish technical signals | 1 of the 9 technical signals we can compute for it is currently in a bearish state: MACD momentum is negative — these describe past price behaviour, not a forecast | 1 of 9 |
Trend (Ichimoku cloud)
1
| Vs the Ichimoku cloud | trading 1.6% above the Ichimoku cloud — a band drawn from where its own highs and lows sat up to 2026-07-15 and projected forward over today's price, the side traders read as an established uptrend, with the band below acting as the level that would have to give way. The band itself is moderate, spanning 4.0% of the share price. | +1.6% |
|---|
Volume-weighted price
2
| Vs this year’s average price paid | the price is 9% above the average price paid so far this year, so the typical buyer over that stretch is showing a gain. That average is $14.82 — a volume-weighted average of daily closes over 159 sessions, not a true tick-by-tick VWAP. | +8.9% |
|---|---|---|
| Vs the average paid since it last reported | the price is 1% below the average price paid since it last reported on 2026-07-23 (its 8-K), so the typical buyer over that stretch is under water. That average is $16.24 — a volume-weighted average of daily closes over 21 sessions, not a true tick-by-tick VWAP. | -0.5% |
Price levels it has turned at before
FRST last closed at $16.15 on 2026-08-21. Since 2024-08-21 it has turned at 15 prices below its last close and 1 above; the 3 nearest below and the nearest above are listed, nearest first.
| Level | Side | Distance | Evidence |
|---|---|---|---|
| $16.82 | Resistance | 4.2% above the last close | turned there twice · 2026-06-26 to 2026-08-13 |
| $15.40 | Support | 4.6% below the last close | turned there twice · 2026-07-08 to 2026-07-23 |
| $15.02 | Support | 7.0% below the last close | turned there twice · 2026-04-28 to 2026-06-17 |
| $14.54 | Support | 9.9% below the last close | turned there twice · 2026-02-04 to 2026-04-09 |
A level is a price this company reversed or paused at more than once — they describe past behaviour, not a forecast of where the price will go.
Wave structure
Its recent swings can be read as a three-part upward correction — the A-B-C shape chartists use for a pullback — now complete.
This labelling fails — stops being a possible reading at all — if it closes above $16.88.
It is the only labelling that fits these swings, though its proportions are not the textbook ones.
This reading has stood for 2 trading days, since 2026-08-20.
Read from daily closes as of 2026-08-21.
An Elliott-wave count describes the swings already printed and the level that would disprove it. It is not a forecast, a target, or advice.
Screens: Trading above the 200-day moving average · MACD just crossed bearish (12/26/9) · in a Bollinger Band volatility squeeze · trendless / choppy (low ADX) · Analyst price target recently RAISED · beating the market | Learn: moving average · golden cross · adx · rsi · macd · breakout · fifty two week high low · bollinger bands
Based on daily closing prices as of 2026-08-21. Describes past price behavior only — informational, not financial advice.
Analyst consensus
- Consensus ratingStrong Buy (1.25 mean, 1=Strong Buy…5=Strong Sell) — 4 analysts
- Mean price target$19.19 range $18.00 – $20.00; median $19.38
Analyst estimates, as of 2026-08-21. These are third-party analyst opinions and price targets, aggregated — not a recommendation, prediction, or advice from stocks-llm. Informational only.
Analyst EPS estimate for FRST
- Consensus EPS estimate$0.4275 next reporting period, as of 2026-08-21
Change over time is not available yet: it needs two readings of the same reporting period at least 30 days apart, and we have been recording these estimates since 2026-08-04. An estimate for a DIFFERENT quarter is not a revision, so a reading from before the last report is never compared with one after it.
The consensus estimate for the next reporting period, and how it has moved between readings of that SAME period. A change is measured only between readings estimating one period — when a company reports, the consensus moves to the next quarter and the two numbers are not comparable. Informational only, not a forecast and not advice.
Key risks (from latest filing)
["Interest rate volatility impacting net interest income and loan demand.","Credit risk associated with the loan portfolio, including potential for credit losses.","Reliance on digital platforms and technology, exposing the bank to cybersecurity and operational risks."]
What changed in the latest 10-Q
AI-assisted comparison of FRST's 10-Q filed 2026-05-08 against the prior one filed 2025-11-10.
Management's Discussion & Analysis (MD&A)
- Added:
- Reference to Annual Report on Form 10-K for year ended December 31, 2025 (newer filing, filed 2026-05-08)
- Comparison period changed to three months ended March 31, 2026 vs. three months ended March 31, 2025 (newer filing, filed 2026-05-08)
- Balance sheet comparison date changed to March 31, 2026 compared to December 31, 2025 (newer filing, filed 2026-05-08)
- Reference to use and implementation of artificial intelligence in strategic initiatives (newer filing, filed 2026-05-08)
- Removed:
- NON-GAAP section entirely removed (older filing, filed 2025-11-10)
- Reference to Annual Report on Form 10-K for year ended December 31, 2024 (older filing, filed 2025-11-10)
- Comparison period changed from three and nine months ended September 30, 2025 vs. September 30, 2024 (older filing, filed 2025-11-10)
- Balance sheet comparison date changed from September 30, 2025 compared to December 31, 2024 (older filing, filed 2025-11-10)
- Reference to 'federal government shutdown that began in October 2025' (older filing, filed 2025-11-10)
- Reworded:
- Strategic initiatives now explicitly mention 'use and implementation of artificial intelligence' and separate reference to 'cost saving projects' whereas older version stated 'as well as our cost saving projects' (newer filing, filed 2026-05-08)
- Risk factor language changed from 'the impact of the federal government shutdown that began in October 2025 and monetary policy' to 'federal monetary policy' with removal of specific shutdown reference (newer filing, filed 2026-05-08)
- Removed 'commodity prices' from list of factors in interest rate/inflation bullet point (newer filing, filed 2026-05-08)
- Notes:
- The newer filing text appears truncated at the end ('results o'), preventing complete verification of all changes in the forward-looking statements section
- The older filing text also appears truncated ('third party vendors and service providers on whic'), limiting full comparison of cybersecurity risk factor
Risk Factors
The two filings could not be meaningfully compared for this section.
AI-assisted comparison of two SEC filing sections. It describes wording and theme changes only, makes no materiality, legal, or investment judgement, and is not financial advice. Informational only — not financial advice.
Insider activity (SEC Form 4)
14 open-market purchases and 0 open-market sales by insiders in the last 90 days.
- Last 90 days14 buys ($98458) · 0 sells — 4 buying insiders
- Last 180 days18 buys ($147622) · 0 sells — 5 buying insiders
Cluster buying: 5 different insiders reported open-market purchases (SEC code P) of FRST within a 30-day window between 2026-05-14 and 2026-06-11. Disclosed Form 4 activity, not a prediction of performance or a buy signal.
Activity heuristic: net buying (a transparent product heuristic from the counts above, not a prediction or advice)
Most recent open-market transaction: 2026-06-11. As of 2026-08-24.
View full insider trading history → View SEC Form 3/4/5 filingsAsk about FRST's insider activity →
Only open-market purchases (SEC code P) and sales (code S) are counted here. Option exercises, vesting/awards, gifts, and shares withheld for taxes are excluded — they are compensation or mechanical, not open-market conviction. Sales may be planned and non-discretionary (e.g. a Rule 10b5-1 plan) and are not necessarily bearish; open-market buying is not a recommendation to buy. Informational only — not financial advice.
Institutional ownership (13F)
4 institutional 13F filers reported holding FRST as of 2026-03-31 (quarter-end position, filed within 45 days).
- Distinct 13F filers 4
- Reported shares held 2,731,345
- Reported value $36,272,262
reported quarterly holdings change (2025-12-31 → 2026-03-31): 0 new, 3 increased, 1 decreased, 0 exited. Change counts cover only managers that filed 13F reports in BOTH quarters, derived between two quarter-end snapshots — not same-day trades; a single manager is never said to have "bought" or "sold".
Institutional holdings are quarter-end long positions reported on SEC Form 13F-HR, filed up to 45 days after the quarter ends — they are delayed, are not real-time trades, exclude short positions and most non-US securities, and are not investment advice. Any increase/decrease is a reported change between two quarterly snapshots, not a same-day purchase or sale. These are quarter-end snapshots from the 13F filings on SEC EDGAR, filed within 45 days — not real-time, and any change is a difference between two quarterly reports, not a same-day trade. Informational only — not financial advice.
Short interest (FINRA)
FRST had 521,484 shares of reported short interest as of the 2026-07-31 FINRA settlement date (delayed, bi-monthly; not real-time).
FRST had 2.10% of its shares outstanding sold short as of the 2026-07-31 FINRA settlement date (percent of FLOAT would be higher — float is not disclosed in the source). FINRA reported 2.92 days to cover at the same settlement.
- Reported short interest (shares) 521,484
- Short interest (% of shares outstanding) 2.10%
- Prior settlement (shares) 517,942
- Reported change 0.68%
- Days to cover (reported) 2.92
Reported to FINRA as of the 2026-07-31 settlement date. Short interest is reported to FINRA and published on a delayed, bi-monthly schedule (as of a settlement date, disseminated roughly eight business days later) — it is NOT real-time, does not cover every venue or all US trading, and is not a short-squeeze prediction or investment advice. Days-to-cover is the value FINRA reports; percent of float is not shown because the source file carries no share-count denominator — where a percent appears it is of shares OUTSTANDING, the larger base, and is therefore a floor on percent of float. Informational only — not financial advice.
Competitors & peers
- Atlantic Union Bankshares (AUB)
- TowneBank (TOWN)
- FVCBankcorp (FVCB)
- United Bankshares (UBSI)
- Carter Bankshares (CARE)
AI-enriched competitor set. Linked names are companies covered by stocks-llm; other named peers are shown for reference only.
Compare FRST vs…
PRIMIS FINANCIAL CORP is found in…
Frequently asked questions
What does PRIMIS FINANCIAL CORP (FRST) do?
Primis Financial Corp. is a bank holding company that operates Primis Bank, providing a range of financial services to individuals and small to medium-sized businesses. The company operates through a network of full-service branches in Virginia and Maryland, as well as digital banking platforms. It also includes Primis Mortgage Company, a residential mortgage lender, and maintains a specialized focus on healthcare financial services through its Panacea Financial brand.
What sector is PRIMIS FINANCIAL CORP (FRST) in?
PRIMIS FINANCIAL CORP (FRST) is classified in the Financials sector. Its industry is regional banks. It trades on NASDAQ.
Does FRST pay a dividend?
Yes — PRIMIS FINANCIAL CORP (FRST) pays a dividend, with an indicated yield of about 4.01% and at least 5 years of non-decreasing per-share dividends (SEC EDGAR XBRL) — we do not hold the year before it, so the real streak may be longer (market data, as of 2026-08-24). Informational only — not financial advice.
Who are PRIMIS FINANCIAL CORP's (FRST) competitors?
Notable peers of PRIMIS FINANCIAL CORP (FRST) include Atlantic Union Bankshares, TowneBank, FVCBankcorp, United Bankshares and Carter Bankshares. This peer set is informational only — not financial advice.
Is PRIMIS FINANCIAL CORP (FRST) overbought or oversold right now?
PRIMIS FINANCIAL CORP (FRST) is currently neither overbought nor oversold — its 14-day RSI (a 0–100 momentum gauge) is 49, in the neutral middle (as of 2026-08-21). RSI describes recent price momentum, not a forecast — informational only, not financial advice.
Where does stocks-llm's data on FRST come from?
Fundamentals and prices come from market data, as of 2026-08-24; company filings and profile facts come from SEC EDGAR. All figures are delayed daily-close data shown with their as-of date — informational only, not financial advice.
Fundamentals: market data, as of 2026-08-24. Filings: SEC EDGAR. Prices are delayed daily-close data.
Last updated 2026-08-21.
Informational only — NOT financial advice. All figures are delayed daily-close data from SEC EDGAR & market data, shown with their as-of date.