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Upturn AI SWOT - About
FRST 
Primis Financial Corp (FRST)
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Upturn Advisory Summary
08/28/2025: FRST (1-star) is currently NOT-A-BUY. Pass it for now.
Upturn Star Rating
Not Recommended Performance
These Stocks/ETFs, based on Upturn Advisory, consistently fall short of market performance, signaling caution before investing.
Number of Analysts
1 Analysts rated it
Very few follow this stock; limited insights, higher-risk early investing.
1 Year Target Price $13.62
1 Year Target Price $13.62
| 1 | Strong Buy |
| 0 | Buy |
| 0 | Hold |
| 0 | Sell |
| 0 | Strong Sell |
Analysis of Past Performance
Type Stock | Historic Profit 44.59% | Avg. Invested days 43 | Today’s Advisory PASS |
Upturn Star Rating | Upturn Advisory Performance  5.0 | Stock Returns Performance  3.0 |
| Profits based on simulation | Last Close 08/28/2025 |
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 282.16M USD | Price to earnings Ratio 104.09 | 1Y Target Price 13.62 |
Price to earnings Ratio 104.09 | 1Y Target Price 13.62 | ||
Volume (30-day avg) 1 | Beta 0.78 | 52 Weeks Range 7.44 - 12.58 | Updated Date 08/29/2025 |
52 Weeks Range 7.44 - 12.58 | Updated Date 08/29/2025 | ||
Dividends yield (FY) 3.60% | Basic EPS (TTM) 0.11 |
Earnings Date
Report Date - | When - | Estimate - | Actual - |
Profitability
Profit Margin 2.33% | Operating Margin (TTM) 9.32% |
Management Effectiveness
Return on Assets (TTM) -0.14% | Return on Equity (TTM) -1.44% |
Valuation
Trailing PE 104.09 | Forward PE 7.23 | Enterprise Value 314947456 | Price to Sales(TTM) 2.21 |
Enterprise Value 314947456 | Price to Sales(TTM) 2.21 | ||
Enterprise Value to Revenue 2.72 | Enterprise Value to EBITDA - | Shares Outstanding 24643200 | Shares Floating 17929396 |
Shares Outstanding 24643200 | Shares Floating 17929396 | ||
Percent Insiders 3.36 | Percent Institutions 88.55 |
Upturn AI SWOT
Primis Financial Corp
Company Overview
History and Background
Primis Financial Corp, formerly known as Southern National Bancorp of Virginia, was founded in 2005. It has grown through acquisitions and organic expansion, focusing on community banking in the Mid-Atlantic region.
Core Business Areas
- Community Banking: Provides a range of banking services to individuals and small to medium-sized businesses, including deposit accounts, loans, and other financial products.
- Wealth Management: Offers wealth management and investment advisory services to individuals and families.
- Mortgage: Mortgage banking products and services.
Leadership and Structure
Dennis J. Zember III serves as the CEO. The company has a traditional corporate structure with a board of directors overseeing management.
Top Products and Market Share
Key Offerings
- Commercial Loans: Loans to businesses for various purposes. Market share data not readily available. Competitors include Truist Financial (TFC) and Bank of America (BAC).
- Residential Mortgages: Mortgages for home purchases. Market share data not readily available. Competitors include Rocket Companies (RKT) and UWM Holdings Corporation (UWMC).
- Deposit Accounts: Checking, savings, and money market accounts. Market share data not readily available. Competitors include regional and national banks such as Wells Fargo (WFC) and PNC Financial Services (PNC).
Market Dynamics
Industry Overview
The banking industry is currently facing challenges related to interest rate volatility, regulatory changes, and increased competition from fintech companies.
Positioning
Primis Financial Corp is a regional community bank focused on relationship banking. Its competitive advantages include local market knowledge and personalized customer service.
Total Addressable Market (TAM)
The TAM for community banking is substantial, encompassing the entire US population and businesses seeking banking services. Primis Financial Corp's market share is a small percentage of this TAM, indicating growth potential.
Upturn SWOT Analysis
Strengths
- Strong local market presence
- Experienced management team
- Relationship-focused banking model
- Healthy asset quality
Weaknesses
- Limited geographic diversification
- Smaller scale compared to larger banks
- Dependence on interest rate environment
- Lower brand awareness compared to national banks
Opportunities
- Expansion into new markets
- Increased adoption of digital banking technologies
- Strategic acquisitions
- Growth in wealth management services
Threats
- Increased competition from larger banks and fintech companies
- Economic downturn
- Regulatory changes
- Cybersecurity risks
Competitors and Market Share
Key Competitors
- TFC
- BAC
- ALLY
Competitive Landscape
Primis Financial Corp competes with larger national and regional banks, as well as smaller community banks. Its advantages include local market knowledge and personalized service, but it faces challenges related to scale and brand recognition.
Growth Trajectory and Initiatives
Historical Growth: Growth trends have been driven by acquisitions and organic expansion. Specific growth rates require access to financial statements.
Future Projections: Analyst estimates for future growth are not readily available without access to financial analysis platforms.
Recent Initiatives: Recent strategic initiatives include expanding digital banking services and exploring new market opportunities.
Summary
Primis Financial Corp is a community bank with a strong local presence and experienced management. It benefits from a relationship-focused banking model and healthy asset quality. However, it faces challenges related to competition, economic uncertainty, and regulatory changes. The company needs to expand into new markets and adopt new digtal technologies.
Peer Comparison
Sources and Disclaimers
Data Sources:
- Company Website
- SEC Filings
- Third-party financial data providers (e.g., Yahoo Finance, Google Finance)
Disclaimers:
The information provided is for informational purposes only and should not be considered financial advice. Market share data is estimated based on publicly available information and may not be precise. Always consult with a qualified financial advisor before making investment decisions.
AI Summarization is directionally correct and might not be accurate.
Summarized information shown could be a few years old and not current.
Fundamental Rating based on AI could be based on old data.
AI-generated summaries may have inaccuracies (hallucinations). Please verify the information before taking action.
About Primis Financial Corp
Exchange NASDAQ | Headquaters McLean, VA, United States | ||
IPO Launch date 2006-11-01 | CEO & Director Mr. Dennis J. Zember Jr. | ||
Sector Financial Services | Industry Banks - Regional | Full time employees 592 | Website https://www.primisbank.com |
Full time employees 592 | Website https://www.primisbank.com | ||
Primis Financial Corp. operates as the bank holding company for Primis Bank that provides various financial services to individuals, and small and medium sized businesses in the United States. The company offers deposit products, including checking, NOW, savings, and money market accounts, as well as certificates of deposits; and commercial deposit products comprising investment/sweep accounts, wire transfer services, employer services/payroll processing services, zero balance accounts, night depository services, depository transfers, merchant services, ACH originations, business debit cards, controlled disbursement accounts, and remote deposit capture services. It also provides commercial lending products, such as loans consist of lines of credit, revolving credit facilities, demand loans, term loans, equipment loans, SBA loans, stand-by letters of credit, and unsecured loans; loans for permanent financing; construction loans for commercial, multi-family, assisted living and other non-residential properties, and builder/developer lines; second asset based lending; SBA lending; financing for medical, dental, and veterinary businesses; and warehouse lending lines of credit to residential mortgage originators. In addition, the company provides consumer lending products comprising residential mortgage, home equity lines of credit, secured and unsecured personal loans, life insurance premium financing, and Panacea consumer loans. Further, it offers debit cards, ATM services, notary services, and mobile and online banking. 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 headquartered in McLean, Virginia.
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