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Stock Ratings / Financials / FRST
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Primis Financial Corp. (FRST) — RQD Stock Rating Cockpit

$15.00 +1.83% NASDAQ • Live Quote vs Prior Daily Close (Synced Snapshot) EXT / AFTER-HRS: $15.02

Primis Financial Corp. (FRST) carries a Roarable Rating of D (Sell) with 45/100 RQD Confidence due to weak cash-flow efficiency and sensitivity to current interest rates. Wait for business cash flow and institutional buying to improve before committing fresh capital.

ROARABLE D • SELL / AVOID Cap $365.3M
📤 Share Live RQD Speedometer Card: 𝕏 Post Reddit StockTwits ⬇ Live SVG Card
⚡ INSTANT AI QUANT PREVIEW • $0 FREE TIER Click Any Pre-Computed AI Quant Specialist Briefing on FRST Below — or Connect Your Own ChatGPT / Claude
🤖 Mara Quenwick • AI Quant Lead (Click for Instant Brief) Is FRST stock a Buy, Hold, or Sell right now according to Roarable's RQD model?
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As of 2026-11-03, Primis Financial Corp. (NASDAQ: FRST) is rated D (Sell / SELL) by Roarable's 5-pillar RQD engine with a composite confidence score of 45/100 at a spot price of $15.00 (+1.83% 1D, market cap $365.3M). Pillar breakdown: Fundamental Cash Engine 9/20, Institutional 13F & Options Flow 7/20, SEC Balance-Sheet Forensics 13/20, FRED Macro Regime Fit 6/20, and Executive Insider Alignment 10/20. Across 1097 tracked Financials issuers, FRST ranks #794 in composite RQD confidence.

✓ Pre-computed one-to-many AI Quant brief
🤖 Ellis Vennor • AI Peer & Flow Quant (Click for Instant Brief) How does FRST compare to USCB and CFFI in the Financials sector?
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Within the Financials sector (Major Banks), FRST carries a Roarable D (45/100 RQD), trailing P/E of N/A, gross margin of —, and ROIC of 0.0%. By comparison, USCB (USCB Financial Holdings Inc. (Class A)) holds a C- grade (59/100 RQD, P/E 14.1x, ROIC 12.0%, cap $367.3M) and CFFI (C&F Financial Corporation) posts a C+ grade (68/100 RQD, P/E 13.5x, ROIC 10.3%, cap $356.7M). Among the 5-stock peer group, CFFI leads on earnings multiple (13.5x) while USCB leads on capital efficiency (12.0% ROIC).

✓ Pre-computed one-to-many AI Quant brief
🤖 Gideon Ashmere • AI SEC 10-K Forensics (Click for Instant Brief) What are the biggest fundamental strengths and SEC risk factors for FRST?
▼

Per FRST's SEC EDGAR XBRL 10-K filing (FY2025, filed 2025-12-31, CIK 0001325670), Primis Financial Corp. generated $1.70B in revenue (+9.7% YoY), $61.4K in net income, and $9.0M in free cash flow against $4.05B in total assets and $0 in total debt. Key quantitative strengths: Established market leader in Financials with deep daily trading liquidity. Primary risk factors monitored: Company executives have done more routine share selling than personal cash buying lately. Institutional options positioning shows a 50% call / 50% put premium split.

✓ Pre-computed one-to-many AI Quant brief
🤖 AI Quant Disclosure: Roarable Analysts are proprietary AI Quant Specialists — not human financial advisors. Pre-computed one-to-many briefings above are free; interactive 1-on-1 Q&A, custom AI sifting/indicator alerts, and personal ChatGPT/Claude MCP connections require a $9.95/mo Pro account (currently waitlist-only).
INTERACTIVE SCENARIO DECK:
🛡️ Portfolio Crash X-Ray
EXT / AFTER-HRS: $15.02 (+0.14%)🧬 Cannibal Buyback (-0.68% YoY Shares)⚙️ Cash Engine: 9/20 (D) • 0.5% FCF Margin
Verify 90D Bucket Audit →
📊 Historical Track Record Warning: Scores below 50 (45/100 · D) historically underperformed SPY in 71% of rolling 90-day windows (-6.3% avg 90D alpha vs SPY • 29.0% hit rate).
Audit Bucket Track Record →
RQD QUANT TACHOMETERSELL / AVOID • D
025507510045
2-of-3 Quant Analysts Bearish Warning
Cash
SEC
Whale

Impersonal quantitative research (0–100 RQD rubric) — not individualized investment advice. Past performance does not guarantee future results. Full Disclaimer

5-PILLAR RQD RADARRw D- · Rk D
Cash (9)Whales (7)SEC (13)Macro (6)CEO (10)
Each axis scored 0–20
12M PRICE TARGET CONE-5.9% Base Target
$18 Bull$14 Base$11 Bear
📬 FREE FRST RATING-CHANGE & BRIEFING ALERTSManage / Unsubscribe
WHALE OPTIONS SNAPSHOT: — (No Active Options Snapshot on file for FRST)Realized 20D OHLCV Swing Band: ±4.3%
Deterministic 5-Pillar Attribution (45/100 Composite)
🔍 WHY FRST SCORES 45/100 (D) — TOP 3 DRIVERS2 Bullish Pillars + #1 Risk Drag
▲ #1 Bullish Driver: SEC 10-K Forensic Risk+13/20 pts (29% of score)

Altman Z-Score 3.80 (FORTRESS SAFE (>3.0)) • Piotroski F-Score 5/9

▲ #2 Bullish Driver: Insider Conviction & Share Dilution+10/20 pts (22% of score)

SEC Form 4 / 13F Thermometer: 50% Net Buy • Cannibal Buyback (-0.68% YoY Shares)

▼ #1 Drag / Risk Factor: Macro Regime Fit6/20 pts (-14 pt drag)

Macro rate sensitivity & RSI-14 (37.3) create a -14 pt regime headwind

📈 PAST 4 QUARTERS RQD vs SUBSEQUENT RETURNQ1 → Q2 → Q3 → Current
Q1 (-3Q)
53
Grade C-$15.37+2% Next Q
Q2 (-2Q)
50
Grade C-$15.67-5.3% Next Q
Q3 (-1Q)
48
Grade D$14.84+1.1% Next Q
Current
45
Grade D$15.00-6.3% Hist 90D α
Trajectory: C- (53) → D (45)Full Audit →
⚔️ ADVERSARIAL OPPOSING CASE & FORENSIC KILL-SWITCH (WHY THE BULL/BEAR THESIS COULD FAIL)CONTRARIAN TURNAROUND & SHORT-SQUEEZE DOSSIER

⚔️ Adversarial Opposing Case: What Could Spark a FRST Turnaround Squeeze

Gideon Ashmere Forensic Desk →

While FRST currently carries a cautious 45/100 (D) rating due to Macro Regime Fit (6/20), shorts face asymmetric squeeze risk if free cash flow inflects or management executes accretive buybacks.

🚀 Contrarian Squeeze Trigger #1

Established market leader in Financials with deep daily trading liquidity.

🚀 Contrarian Squeeze Trigger #2

Options & Short-Covering Gamma: Reclaiming the 50-day SMA ($15.58) and Max Pain ($15.75) forces dealer call-delta covering toward $17.72.

🚀 Contrarian Squeeze Trigger #3

Forensic Repair Trigger: Halting share dilution (Cannibal Buyback (-0.68% YoY Shares)) or retiring high-cost debt immediately upgrades the SEC 10-K Forensic pillar.

🎲 LIVE PREDICTION MARKET ODDS TIED TO $FRST• $2.4M Crowd Pool • Kalshi / Polymarket Composite
Contract: “FRST Beats Next Quarter EPS Consensus (Dec 30, 2026) & Holds Above 200D SMA”
YES 45%NO 55%Trade / Inspect Odds →
RSI-14 MOMENTUMNEUTRAL RANGE
37.330 Oversold · 70 Hot
ALTMAN-Z SHIELDFORTRESS SAFE (>3.0)
3.80>3.0 Fortress Safe
PIOTROSKI F-SCORESOLID CORE (5–6)
5 / 99-Pt Accounting
52-WEEK LASER RANGE71% OF RANGE
L: $11$15.00H: $17
1. Money & Cash Health● WEAK
Are profits real cash in the bank?

Weak cash conversion or heavy valuation strain compared to actual cash earned.

Factor Grade: DRQD 9 / 20
2. Big Money & Insiders● TRIMMING
Are whales & executives buying or selling?

Insiders and big institutional desks have been trimming shares rather than stepping up to buy.

Factor Grade: D-RQD 17 / 40
3. Hidden Risks & Market Weather● WARNING
SEC fine-print scan & interest-rate fit

High sensitivity to tight interest rates or new risk warnings added to recent SEC annual filings.

Factor Grade: DRQD 19 / 40
MULTI-MODEL QUANT PANEL DELIBERATION

2-of-3 Quant Analysts Bearish Warning on FRST

Cash & Moat Bull AI
ROIC & Free Cash Flow Model
BEARISH (45)

0.0% ROIC with 42.0% gross margin and 2.46% FCF yield.

SEC Forensic Auditor AI
10-K Accruals & Altman-Z Guard
NEUTRAL (65)

Altman-Z 4.20 and Piotroski 5/9 pass balance-sheet audit.

Whale & Macro Hawk AI
Options Skew, 13F & Fed NetLiq
BEARISH (38)

17/40 institutional & smart-money positioning score with 6/20 macro alignment.

Bull Case: Why Buyers Like FRST
  • ✓Established market leader in Financials with deep daily trading liquidity.
Bear Case: What Could Go Wrong
  • !Company executives have done more routine share selling than personal cash buying lately.
  • !Sensitive to high interest rates and tighter Federal Reserve market liquidity.
ON-DEMAND RQD QUANT WORKSHOP • SPONSORED / PARTNER SPOTLIGHTHosted by Perry Belcher & Roarable Forensic Quant Desk

Red-Light Warning Desk: Spotting SEC Cash-Flow & Dilution Risks Before Downgrades (Featuring FRST)

  • ✓Walkthrough of FRST's RQD Radar, SEC cash-conversion gap & downside invalidation levels
  • ✓3 asymmetric Bear/Hedge frameworks when 10-year Treasury yields stay elevated
  • ✓Includes nightly RQD rating-change & forensic signal email alerts on your tracked stocks
RQD INSIDER CLUB WAITLIST$49/YR PLANNED
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FRST // CANDLESTICK & AUTO-TRENDLINE WORKSTATION6M: +3.52%📐 WEDGE COMPRESSION COIL
2026-11-03O $14.82H $15.00L $14.73C $15.00VOL 145.2K
RES: $15.94SUP: $14.66SMA50: $15.58SMA200: $14.84
$17.21$15.86$14.51$13.16$11.81RES $15.94SUP $14.66$15.002026-05-042026-06-172026-08-042026-09-182026-11-03
PRIMARY-SOURCE FORENSICS, SECOND-ORDER LINKS & AI ANALYST DESK

FRST Dilution Monitor, Expectations Hurdle, Butterfly Connections & Policy Exposure

🦋 FRST Butterfly Map → + Track FRST →
Share Count & Dilution Monitor

Multi-year comparable XBRL diluted share count not disclosed (ETF or recent listing).

Reverse-DCF Expectations Hurdle
8.0%/yr Implied 5Y Growth

vs. +9.7% actual YoY revenue growth (assuming 9.25% cost of equity & 16.5x terminal multiple).

Ellis Vennor Setup Ledger

No active Ellis Vennor swing setup published on FRST today. View full Setup Ledger →

🦋 Documented & Second-Order Butterfly Connections Open Graph →

No direct multi-tier Butterfly edges indexed yet for FRST. Explore sector supply chains on /butterfly.

AI Analyst Theses, Washington Policy & Company Video
🎬 No recent verified company-specific video clip queued for FRST today (we never pad ticker pages with unrelated generic clips). Browse Macro Video Desk →
DETERMINISTIC MULTI-FACTOR EQUITY AUDIT • SEC EDGAR XBRL × RQD PEER BENCHMARK

📊 Quantitative Sector Peer Comparison, SEC Filing Delta & Investment FAQ (FRST)

Financials Rank #794 of 1097 ⚔️ USCB vs FRST Full Matrix →

1. Head-to-Head Financials Peer Comparison (FRST vs. USCB, CFFI, BRBS, ISTR)

Industry: Major Banks (248 Tracked Issuers)

Across 1097 tracked Financials securities in the Roarable RQD universe, Primis Financial Corp. (FRST) ranks #794 by composite RQD confidence (45/100, grade D) and #769 by equity capitalization ($365.3M). Within this direct 5-issuer industry benchmark cohort, CFFI leads on earnings valuation at 13.5x trailing P/E, while USCB leads on capital efficiency and profitability with 12.0% ROIC and — gross margin. CFFI currently holds the highest overall quantitative score in the immediate peer group at 68/100 (C+) compared with FRST at 45/100 (D).

Ticker / Company Roarable Grade RQD Score Trailing P/E Gross Margin ROIC 1D Change Market Cap Head-to-Head
FRST ACTIVE
Primis Financial Corp.
D 45/100 — — 0.0% +1.83% $365.3M Benchmark Subject
USCB
USCB Financial Holdings Inc. (Class A)
C- 59/100 14.1x — 12.0% +0.96% $367.3M /uscb-vs-frst →
CFFI
C&F Financial Corporation
C+ 68/100 13.5x — 10.3% +1.39% $356.7M /cffi-vs-frst →
BRBS
Blue Ridge Bankshares Inc.
C- 59/100 33.8x — 3.3% +2.04% $352.5M /brbs-vs-frst →
ISTR
Investar Holding Corporation
D+ 52/100 16.7x — 7.6% +2.54% $380.1M /istr-vs-frst →

2. Multi-Year SEC XBRL Revenue, Cash Flow & Balance-Sheet Trajectory (FY2023–FY2025)

SEC EDGAR 10-K • FILED 2025-12-31 • CIK 0001325670 ↗

In its most recent audited fiscal period (FY2025, filed 2025-12-31), Primis Financial Corp. (FRST) reported GAAP revenue of $1.70B (+9.7% vs. FY2024 revenue of $1.55B , and +1452.3% cumulative change since FY2023) , GAAP net income of $61.4K, operating cash flow of $10.8M, and free cash flow of $9.0M (-50.7% YoY). On the balance sheet, FRST closed FY2025 with $4.05B in total assets against $0 in total debt (Altman Z-Score: N/A, Piotroski F-Score: 5/9).

Fiscal Period Filing Date Revenue Net Income Operating Cash Flow Free Cash Flow Total Assets Total Debt
FY2025 (FY) 2025-12-31 $1.70B $61.4K $10.8M $9.0M $4.05B —
FY2024 (FY) 2024-12-31 $1.55B -$16.2K $19.5M $18.3M $3.69B —
FY2023 (FY) 2023-12-31 $109.5M -$7.8K $28.8M $28.8M — —

3. FRST Data-Verified Investor FAQ (RQD Rating, Sector Peers, SEC Forensics & Technicals)

✓ SCHEMA.ORG FAQPAGE JSON-LD ENABLED

Is FRST stock a Buy, Hold, or Sell right now according to Roarable's RQD model?

As of 2026-11-03, Primis Financial Corp. (NASDAQ: FRST) is rated D (Sell / SELL) by Roarable's 5-pillar RQD engine with a composite confidence score of 45/100 at a spot price of $15.00 (+1.83% 1D, market cap $365.3M). Pillar breakdown: Fundamental Cash Engine 9/20, Institutional 13F & Options Flow 7/20, SEC Balance-Sheet Forensics 13/20, FRED Macro Regime Fit 6/20, and Executive Insider Alignment 10/20. Across 1097 tracked Financials issuers, FRST ranks #794 in composite RQD confidence.

How does FRST compare to USCB and CFFI in the Financials sector?

Within the Financials sector (Major Banks), FRST carries a Roarable D (45/100 RQD), trailing P/E of N/A, gross margin of —, and ROIC of 0.0%. By comparison, USCB (USCB Financial Holdings Inc. (Class A)) holds a C- grade (59/100 RQD, P/E 14.1x, ROIC 12.0%, cap $367.3M) and CFFI (C&F Financial Corporation) posts a C+ grade (68/100 RQD, P/E 13.5x, ROIC 10.3%, cap $356.7M). Among the 5-stock peer group, CFFI leads on earnings multiple (13.5x) while USCB leads on capital efficiency (12.0% ROIC).

What are the biggest fundamental strengths and SEC risk factors for FRST?

Per FRST's SEC EDGAR XBRL 10-K filing (FY2025, filed 2025-12-31, CIK 0001325670), Primis Financial Corp. generated $1.70B in revenue (+9.7% YoY), $61.4K in net income, and $9.0M in free cash flow against $4.05B in total assets and $0 in total debt. Key quantitative strengths: Established market leader in Financials with deep daily trading liquidity. Primary risk factors monitored: Company executives have done more routine share selling than personal cash buying lately. Institutional options positioning shows a 50% call / 50% put premium split.

Where is FRST trading relative to its 50-day, 200-day, and 52-week technical levels?

FRST last traded at $15.00 (+1.83% on volume of 166,396 shares), positioning the stock -3.72% below its 50-day simple moving average ($15.58) and +1.08% above its 200-day simple moving average ($14.84). Across its 52-week range of $10.50 to $16.88, FRST sits at the 70.5% percentile with a 14-day RSI of 37.3 (NEUTRAL RANGE) and an implied next-earnings move of ±4.3% ($14.35 to $15.65).

Direct Sub-Reports: FRST RQD Cockpit FRST 12M Forecast FRST Earnings & Move FRST Dividends & DRIP FRST Insiders & 13F FRST Whale Options FRST Profit Sankey FRST News & Why
ROARABLE RATING BRIEF • RQD 45/100 (D) ✓ SEC XBRL & RQD VERIFIED

FRST — Primis Financial Corp.: What the Facts Mean to a Prospective Investor

Methodology: RQD v6.2 Deterministic 5-Pillar & SEC XBRL Audit
Updated: 2025-12-31

1. Roarable Rating Brief: What This Means to a Prospective Investor

Primis Financial Corp. (FRST) earns a live Roarable RQD composite score of 45/100, corresponding to a D letter grade (Roarable Sell) at a spot price of $15.00 (+1.83% 1D, market capitalization $365.3M).

  • Fundamental Cash Engine (9/20): Anchored by return on invested capital (ROIC) of 0.0%, gross margin of —, operating margin of —, and free cash flow yield of 2.46%.
  • Whale 13F & Options Flow (7/20) + Insider Conviction (10/20): Tracks institutional 13F accumulation, CBOE options call/put positioning, and SEC Form 4 / Congressional PTR filings.
  • Macro Regime Fit (6/20) + Forensic Balance Sheet (13/20): Incorporates a 1.00x equity beta, Altman Z-Score of N/A, Piotroski F-Score of 5/9, and Debt/Equity of N/A.

2. Business Model, Unit Margins & SEC Financial Trajectory

Primis Financial Corp. (FRST) is a NASDAQ-listed issuer in the Financials sector, Major Banks industry,..4B.

In its latest audited SEC EDGAR 10-K filing for FY2025 (filed 2025-12-31), Primis Financial Corp. (FRST) reported $1.70B in annual revenue (up from $1.55B in FY2024, +9.7% YoY) and $61.4K in GAAP net income. Over the multi-year SEC filing window from FY2023 ($109.5M revenue, -$7.8K net income) through FY2025, FRST scaled operating cash flow to $10.8M and free cash flow to $9.0M, backed by $4.05B in total assets against $0 in total debt.

3. Institutional Bull vs. Bear Thesis & Valuation Tradeoff

  • 🐂 Primary Bull Case (D • RQD 45/100): Established market leader in Financials with deep daily trading liquidity. Free cash flow yield of 2.46% and institutional whale pillar of 7/20. With Fundamental Cash Engine at 9/20 and Institutional Whale Flow at 7/20, sustained execution supports upside toward the upper end of the $10.50 – $16.88 52-week range.
  • 🐻 Primary Bear Case & Valuation Risk: Company executives have done more routine share selling than personal cash buying lately. Investors must weigh current valuation against — operating margins and a 1.00x macro beta.

4. 2nd-Order Butterfly Ripples & Key Questions to Watch

Operating in Major Banks (Financials), FRST carries a macro regime beta of 1.00 and gross margin of —.

  • Key Question #1: Can FRST sustain or expand its — operating margin and 0.0% ROIC against Major Banks peers over the next 4 quarters?
  • Key Question #2: Following FY2025 revenue of $1.70B and free cash flow of $9.0M, how will capital allocation balance growth reinvestment against $0 in total debt?
  • Key Question #3: How sensitive is FRST's equity valuation to Financials capital spending cycles and macro interest-rate shifts (Beta 1.00x)?

FRST Live News Feed, Press Releases & Catalyst Wire

Real-time company headlines, analyst actions, and sector developments for Primis Financial Corp. (FRST) • Click "Debate This Headline" to argue it in the Roar Pit below

💬 Jump to FRST Debate Forum (3) ↓
🔥 THE ROAR PIT • LIVE COMMUNITY DEBATE 3 Active Posts & Replies

FRST Bull vs. Bear Conversation Board — What's Your Call at $15.00?

🐂 67% BULLISH CONVICTION COMMUNITY TUG-OF-WAR ON FRST 🐻 33% BEARISH CONVICTION
1. Pick Your Side on FRST:
💡 Tip: Back up your call with a price target or RQD metric to get upvoted to the top.
CA CashFlowKing RQD DEBATE OPENER • FCF Compounder Hunter 🐂 BULLISH 🎯 Target: $18.85 (+28.0%)
📌 Pinned Debate

Forensic balance-sheet pillar scores 13/20 with Altman Z 2.5, Piotroski F 5/9, and Debt/Equity 0.5, the strongest area in the rating.

Picked up a starter position in FRST in my $100K Virtual Cash book at $14.73. Forensic balance-sheet pillar scores 13/20 with Altman Z 2.5, Piotroski F 5/9, and Debt/Equity 0.5, the strongest area in the rating.. Trading inside a $10.50–$16.88 52-week range with 2.46% FCF yield gives solid downside support if Major Banks multiples expand this quarter.

VolSurface_Trader 🐂 BULL

@SkepticalCFA Shorting a 7/20 institutional whale-flow stock at $14.73 is dangerous when funds are rotating into Financials.

SK SkepticalCFA RQD DEBATE OPENER • Fundamental Contrarian 🐻 BEARISH 🎯 Target: $11.64 (-21.0%)
Spot @ $14.73

ROIC is 0% and FCF has fallen from $28.8M to $9.0M, while the rating is a D with a Distribution Warning verdict.

Here is the bear case nobody on the bull side wants to address on FRST: ROIC is 0% and FCF has fallen from $28.8M to $9.0M, while the rating is a D with a Distribution Warning verdict.. At current EV/EBITDA multiples, even a small guidance miss in Major Banks triggers a 12-15% air pocket.

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