NASDAQ$FRST

Primis Financial Corp · Q3 2025 earnings

Q3 2025 earnings · · After market close · Investor relations

Briefing

Primis Financial reported Q3 2025, revenue of $65M, net income of $18M, diluted EPS of $0.75.

For Q3 2025, Primis Financial reported revenue of $65M, net income of $18M, diluted EPS was $0.75. The filing discusses segment trends, liquidity, and management outlook for upcoming periods.

  • Revenue $65M.
  • Net income $18M.
  • Diluted EPS $0.75.

Headline financials

Total Revenue

$41M

Previous: $37.3M+9.9%
EPS (adj)

$0.75

Previous: $0.05+1400.0%
Net Interest Margin

3.2%

Previous: 3.0%+7.1%
Cost of Funds

2.6%

Previous: 3.3%-19.4%
Return on Avg Assets

0.7%

Previous: 0.1%+483.3%
Operating ROA

0.7%

Previous: 0.2%+250.0%
PTPP ROA

0.9%

Previous: 0.9%+3.5%
Operating PTPP ROA

0.9%

Previous: 1.0%-7.3%
ROE

7.1%

Previous: 1.3%+444.3%
Operating ROE

7.1%

Previous: 2.1%+231.6%
Op. ROATCE

9.4%

Previous: 2.9%+230.4%
Loans to Deposits

95.9%

Previous: 89.9%+6.6%
Efficiency Ratio

78.8%

Previous: 82.8%-4.8%
Operating Efficiency

78.8%

Previous: 79.9%-1.4%
Book Value/Share

$15.51

Previous: $15.41+0.6%
Tangible Book/Share

$11.71

Previous: $11.59+1.0%
Dividend/Share

$0.10

Previous: $0.10+0.0%
Non-perf. Assets/Assets

2.1%

Previous: 0.3%+728.0%
Net Charge-offs %

0.1%

Previous: 0.9%-84.9%
Core Net Charge-offs %

0.0%

Previous: 0.1%-72.7%
ACL to Total Loans

1.4%

Previous: 1.7%-18.6%
Common Eq./Assets

9.7%

Previous: 9.5%+2.0%
TCE/TA

7.5%

Previous: 7.3%+2.6%
Leverage Ratio

8.3%

Previous: 8.2%+1.5%
CET1 Ratio

8.6%

Previous: 8.2%+4.7%
Tier 1 Risk-Based

8.9%

Previous: 8.5%+4.7%
Total Risk-Based

12.0%

Previous: 11.7%+2.9%
Net Income

$6.83M

Previous: $1.23M+456.2%
Operating Income

$8.74M

Previous: -$6.45M+235.5%

Revenue & EPS history

Primis · Revenue · Quarterly

$41M

Q3 2025+9.9%vs Q3 2024
Beat estimate in 14 of 15 quarters(93%)
ActualEstimate

Revenue by segment

Primis · $2.03M total across 2 segments · Q3 2020

  • Account Fees
    $1.63M
  • BOLI Income
    $394K

Forward guidance

The release discusses Primis Financial's outlook, capital allocation, and key risks for upcoming quarters, including guidance ranges or operating priorities where disclosed.

Tailwinds

  • Net interest income and credit quality support the regional banking outlook.
  • Primis Financial cites demand and execution supporting the near-term outlook.
  • Liquidity and balance-sheet capacity support operations and shareholder returns.

Headwinds

  • Macro, input costs, and FX may pressure margins quarter to quarter.
  • Segment mix and one-time items can affect comparability versus prior periods.
  • Interest rates and deposit competition affect net interest margins.

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 Q3 2025

Historical avgQ3 2025

+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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