NASDAQ$FRST

Primis Financial Corp · Q2 2020 earnings

Q2 2020 earnings · · Investor relations

Briefing

Net income reached $4.7 million, with earnings per share at $0.19, and non-interest income reached record high.

Southern National Bancorp of Virginia, Inc. reported a net income of $4.7 million for the quarter ended June 30, 2020. The company saw a substantial improvement in revenue and pretax pre-provision earnings and held steady on operating expenses.

  • Originated approximately 3,800 PPP loans totaling $335.6 million.
  • Deferred PPP fees (net of expenses) totaled $10.6 million.
  • Non-CD deposits increased to 71% of total deposits compared to 59% in Q2 2019.
  • Operating efficiency ratio improved to 49.07% compared to 58.21% in the same quarter of 2019.

Headline financials

Total Revenue

$30.9M

Previous: $24.2M+27.8%
EPS (adj)

$0.19

Previous: $0.38-50.0%
Net Interest Margin

3.3%

Previous: 3.4%-2.1%
Operating Efficiency

49.1%

Previous: 58.2%-15.7%
Capital Expenditures

-$869K

Previous: -$73K-1090.4%
Free Cash Flow

$3.84M

Previous: $9.25M-58.5%
Net Income

$4.71M

Previous: $9.32M-49.5%
Operating Income

$17.6M

Previous: $6.39M+175.5%
Gross Profit

$30.9M

Previous: $24.2M+27.8%
Cash & Equivalents

$82.6M

Previous: $33.1M+149.6%
Total Assets

$3.07B

Previous: $2.72B+12.8%
Stock-Based Comp

-$11K

Previous: $163K-106.7%

Revenue & EPS history

Primis · Revenue · Quarterly

$30.9M

Q2 2020+27.8%vs Q2 2019
Beat estimate in 13 of 16 quarters(81%)
ActualEstimate

Revenue by segment

Primis · $1.87M total across 2 segments · Q2 2020

  • Account Fees
    $1.49M
  • BOLI Income
    $385K

Forward guidance

The company expects the second half of the year to be centered on managing through the economic impacts of the pandemic and are encouraged with the conversations and diligence they have directed to existing customer relationships.

Historical earnings impact

How earnings announcements have historically affected this stock's price.

Avg. return before/after earnings

Based on 20 quarterly earnings reports · overlaid with Q2 2020

Historical avgQ2 2020

+0.1%

Avg return

Earnings day

+1.0%

Avg return

5 days after

+1.7%

Avg return

30 days after

49%

32 / 65 earnings

Positive

+12.2%

Q1 2020

Best reaction

-8.5%

Q4 2024

Worst reaction

Earnings price reactions
QuarterReport dateReaction (Day 0)+5 days+30 days
Q1 2026-1.7%+4.8%+2.8%
Q4 2025-0.6%+5.4%-2.7%
Q3 2025+10.1%+10.7%+12.9%
Q2 2025-1.9%-4.5%-3.3%
Q1 2025-1.2%+7.0%+13.5%
Q4 2024-8.5%-4.3%-9.6%
Q3 2024-5.1%-3.1%+5.6%
Q2 2024+4.5%+3.5%-3.6%
Q1 2024-7.0%-11.1%-2.1%
Q4 2023+4.4%+8.2%-1.7%
Q3 2023+7.5%+21.2%+29.3%
Q2 2023-4.5%-2.5%-9.3%
Q1 2023-1.8%-13.1%-17.3%
Q4 2022-1.3%-0.8%-0.8%
Q3 2022+2.5%+1.8%-1.5%
Q2 2022+1.9%+1.1%+0.2%
Q1 2022+0.0%-2.5%-2.2%
Q4 2021-0.3%-1.0%-3.9%
Q3 2021+5.0%+7.2%+6.7%
Q2 2021+0.7%+1.4%-0.4%
Q1 2021+1.9%+3.1%+4.6%
Q4 2020+1.2%+2.1%+19.0%
Q3 2020+0.0%-3.5%+15.3%
Q2 2020-6.5%-4.5%-2.8%
Q1 2020+12.2%+3.3%+7.1%
Q4 2019+2.8%+4.3%-6.0%
Q3 2019+0.1%+0.6%+0.9%
Q2 2019+2.3%+1.7%-8.6%
Q1 2019-3.2%-3.9%-6.4%
Q4 2018+2.0%+7.3%+14.8%
Q3 2018+2.2%+3.1%+4.2%
Q2 2018-2.5%+2.6%+2.8%
Q1 2018+3.0%+2.5%+8.4%
Q4 2017+0.1%+0.7%-2.7%
Q3 2017-0.7%-3.3%-1.4%
Q2 2017-3.8%-2.7%-4.5%
Q1 2017-0.6%-4.3%-7.0%
Q4 2016-3.9%-1.4%+4.0%
Q3 2016-1.0%+0.0%+10.4%
Q2 2016-1.4%+3.9%+3.2%
Q1 2016-0.4%
Q4 2015-0.9%
Q3 2015+0.6%
Q2 2015-2.4%
Q1 2015-1.2%
Q4 2014-0.8%
Q3 2014+2.3%
Q2 2014+0.1%
Q1 2014-0.4%
Q4 2013+0.6%
Q3 2013+0.0%
Q2 2013+0.9%
Q1 2013-2.6%
Q4 2012+0.3%
Q3 2012+1.1%
Q2 2012+1.4%
Q4 2011+0.3%
Q1 2012+0.3%
Q4 2010+0.3%
Q3 2011+0.8%
Q2 2011+0.0%
Q1 2011+0.9%
Q3 2010-0.7%
Q2 2010+0.0%
Q1 2010+1.4%

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