FRST
Primis Financial·NASDAQ
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6.75 / 10
Outperform
FRST's fundamental evaluation is favorable (6.8/10). Key strengths include a robust 36.7% gross profit margin, a 100% total-profit-to-EBIT ratio, and solid equity returns (ROE 8.69%). These factors, combined with core deposit growth and widened net interest margin, underpin a constructive view. The main weakness is a high 112.7% ratio of parent-company net profit to overall net profit, which slightly drags the composite score. Historical back-tests show group-4 factors typically deliver 4.7-11.3% monthly returns, reinforcing the positive outlook.
Analysis Checks(9/10)
Revenue-MV
Value-0.08
Score3/3
Weight12.39%
1M Return6.83%
Value-0.08
Score3/3
Weight12.39%
1M Return6.83%
Net profit attributable to parent company shareholders / Net profit (%)
Value112.73
Score0/3
Weight4.88%
1M Return3.08%
Value112.73
Score0/3
Weight4.88%
1M Return3.08%
PB-ROE
Value-0.98
Score3/3
Weight11.91%
1M Return6.70%
Value-0.98
Score3/3
Weight11.91%
1M Return6.70%
ROE (diluted) (%)
Value8.35
Score3/3
Weight7.81%
1M Return4.63%
Value8.35
Score3/3
Weight7.81%
1M Return4.63%
ROE (%)
Value8.69
Score3/3
Weight7.97%
1M Return4.73%
Value8.69
Score3/3
Weight7.97%
1M Return4.73%
Annualized return on equity (%)
Value11.59
Score3/3
Weight7.97%
1M Return4.73%
Value11.59
Score3/3
Weight7.97%
1M Return4.73%
Gross profit margin (%)
Value36.70
Score3/3
Weight5.58%
1M Return3.46%
Value36.70
Score3/3
Weight5.58%
1M Return3.46%
Total profit / EBIT (%)
Value100.00
Score3/3
Weight5.57%
1M Return3.44%
Value100.00
Score3/3
Weight5.57%
1M Return3.44%
Asset-MV
Value-0.51
Score3/3
Weight25.99%
1M Return11.28%
Value-0.51
Score3/3
Weight25.99%
1M Return11.28%
Cash-MV
Value-0.07
Score2/3
Weight9.92%
1M Return5.53%
Value-0.07
Score2/3
Weight9.92%
1M Return5.53%
Revenue-MV
Value-0.08
Score3/3
Weight12.39%
1M Return6.83%
Value-0.08
Score3/3
Weight12.39%
1M Return6.83%
Annualized return on equity (%)
Value11.59
Score3/3
Weight7.97%
1M Return4.73%
Value11.59
Score3/3
Weight7.97%
1M Return4.73%
Net profit attributable to parent company shareholders / Net profit (%)
Value112.73
Score0/3
Weight4.88%
1M Return3.08%
Value112.73
Score0/3
Weight4.88%
1M Return3.08%
Gross profit margin (%)
Value36.70
Score3/3
Weight5.58%
1M Return3.46%
Value36.70
Score3/3
Weight5.58%
1M Return3.46%
PB-ROE
Value-0.98
Score3/3
Weight11.91%
1M Return6.70%
Value-0.98
Score3/3
Weight11.91%
1M Return6.70%
Total profit / EBIT (%)
Value100.00
Score3/3
Weight5.57%
1M Return3.44%
Value100.00
Score3/3
Weight5.57%
1M Return3.44%
ROE (diluted) (%)
Value8.35
Score3/3
Weight7.81%
1M Return4.63%
Value8.35
Score3/3
Weight7.81%
1M Return4.63%
Asset-MV
Value-0.51
Score3/3
Weight25.99%
1M Return11.28%
Value-0.51
Score3/3
Weight25.99%
1M Return11.28%
ROE (%)
Value8.69
Score3/3
Weight7.97%
1M Return4.73%
Value8.69
Score3/3
Weight7.97%
1M Return4.73%
Cash-MV
Value-0.07
Score2/3
Weight9.92%
1M Return5.53%
Value-0.07
Score2/3
Weight9.92%
1M Return5.53%
Is FRST undervalued or overvalued?
- FRST scores 6.75/10 on fundamentals and holds a Discounted valuation at present. Backed by its 8.54% ROE, 1.18% net margin, 41.10 P/E ratio, 0.92 P/B ratio, and 950.00% earnings growth, these metrics solidify its Outperform investment rating.
