NASDAQ$FRST

Primis Financial Corp · Q4 2025 earnings

Q4 2025 earnings · · After market close · Investor relations

Briefing

Primis Financial reported Q4 2025, revenue of $48.5M, net income of $8.5M, diluted EPS of $0.52.

For Q4 2025, Primis Financial reported revenue of $48.5M, net income of $8.5M, diluted EPS was $0.52. Management discusses segment performance, capital allocation, and outlook in the earnings release.

  • Revenue $48.5M.
  • Net income $8.5M.
  • Diluted EPS $0.52.

Headline financials

Total Revenue

$48.5M

Previous: $39.3M+23.4%
EPS (adj)

$0.52

Previous: -$0.65+180.0%
Net Interest Margin

3.3%

Previous: 2.9%+13.1%
Cost of Funds

2.5%

Previous: 3.0%-15.2%
Return on Avg Assets

2.9%

Previous: -2.7%+210.1%
Operating ROA

0.2%

No prior period
PTPP ROA

3.8%

No prior period
Operating PTPP ROA

0.4%

No prior period
ROE

29.5%

No prior period
Operating ROE

2.4%

No prior period
Op. ROATCE

3.1%

No prior period
Loans to Deposits

96.7%

No prior period
Efficiency Ratio

52.1%

No prior period
Operating Efficiency

91.0%

No prior period
Book Value/Share

$17.12

No prior period
Tangible Book/Share

$13.34

Previous: $10.42+28.0%
Dividend/Share

$0.10

No prior period
Non-perf. Assets/Assets

2.0%

No prior period
Net Charge-offs %

0.2%

No prior period
Core Net Charge-offs %

0.1%

No prior period
ACL to Total Loans

1.4%

No prior period
Common Eq./Assets

10.4%

No prior period
TCE/TA

8.3%

No prior period
Leverage Ratio

8.8%

No prior period
CET1 Ratio

9.5%

No prior period
Tier 1 Risk-Based

9.8%

No prior period
Total Risk-Based

12.6%

No prior period
Net Income

$8.5M

Previous: -$14.7M+157.8%
Operating Income

$3.91M

No prior period

Revenue & EPS history

Primis · Revenue · Quarterly

$48.5M

Q4 2025+23.4%vs Q4 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 for upcoming periods, including capital allocation, operating priorities, and market risks.

Tailwinds

  • Primis Financial cites operational execution and demand trends supporting the outlook.
  • Balance sheet and liquidity actions aim to fund growth and returns.

Headwinds

  • Macro, pricing, and input-cost volatility could pressure margins.
  • Segment mix and one-time items may affect quarter-to-quarter comparability.

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 Q4 2025

Historical avgQ4 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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