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Primis Financial Earnings Calls
| Release date | Apr 23, 2026 |
| EPS estimate | $0.320 |
| EPS actual | $0.330 |
| EPS Surprise | 3.13% |
| Revenue estimate | 44.148M |
| Revenue actual | 44.08M |
| Revenue Surprise | -0.154% |
| Release date | Jan 29, 2026 |
| EPS estimate | $0.340 |
| EPS actual | $0.100 |
| EPS Surprise | -70.59% |
| Revenue estimate | 30.012M |
| Revenue actual | 78.429M |
| Revenue Surprise | 161.33% |
| Release date | Oct 23, 2025 |
| EPS estimate | $0.320 |
| EPS actual | $0.280 |
| EPS Surprise | -12.50% |
| Revenue estimate | 30.225M |
| Revenue actual | 41.001M |
| Revenue Surprise | 35.65% |
| Release date | Jul 24, 2025 |
| EPS estimate | $0.240 |
| EPS actual | $0.110 |
| EPS Surprise | -54.17% |
| Revenue estimate | 30.035M |
| Revenue actual | 34.907M |
| Revenue Surprise | 16.22% |
Last 4 Quarters for Primis Financial
Below you can see how FRST performed 4 days prior and 4 days after releasing the earnings report. Also, you can see the pre-estimates and the actual earnings. This information can give you a slight idea of what you might expect for the next quarter's release.
| Release date | Jul 24, 2025 |
| Price on release | $11.69 |
| EPS estimate | $0.240 |
| EPS actual | $0.110 |
| EPS surprise | -54.17% |
| Date | Price |
|---|---|
| Jul 18, 2025 | $11.90 |
| Jul 21, 2025 | $11.87 |
| Jul 22, 2025 | $11.91 |
| Jul 23, 2025 | $12.10 |
| Jul 24, 2025 | $11.69 |
| Jul 25, 2025 | $11.72 |
| Jul 28, 2025 | $11.67 |
| Jul 29, 2025 | $11.51 |
| Jul 30, 2025 | $11.31 |
| 4 days before | -1.76% |
| 4 days after | -3.25% |
| On release day | 0.257% |
| Change in period | -4.96% |
| Release date | Oct 23, 2025 |
| Price on release | $9.70 |
| EPS estimate | $0.320 |
| EPS actual | $0.280 |
| EPS surprise | -12.50% |
| Date | Price |
|---|---|
| Oct 17, 2025 | $9.65 |
| Oct 20, 2025 | $9.82 |
| Oct 21, 2025 | $9.90 |
| Oct 22, 2025 | $9.87 |
| Oct 23, 2025 | $9.70 |
| Oct 24, 2025 | $10.69 |
| Oct 27, 2025 | $10.87 |
| Oct 28, 2025 | $10.60 |
| Oct 29, 2025 | $10.74 |
| 4 days before | 0.518% |
| 4 days after | 10.72% |
| On release day | 10.21% |
| Change in period | 11.30% |
| Release date | Jan 29, 2026 |
| Price on release | $13.58 |
| EPS estimate | $0.340 |
| EPS actual | $0.100 |
| EPS surprise | -70.59% |
| Date | Price |
|---|---|
| Jan 23, 2026 | $13.77 |
| Jan 26, 2026 | $13.45 |
| Jan 27, 2026 | $13.50 |
| Jan 28, 2026 | $13.26 |
| Jan 29, 2026 | $13.58 |
| Jan 30, 2026 | $13.48 |
| Feb 02, 2026 | $14.10 |
| Feb 03, 2026 | $14.14 |
| Feb 04, 2026 | $14.31 |
| 4 days before | -1.38% |
| 4 days after | 5.38% |
| On release day | -0.736% |
| Change in period | 3.92% |
| Release date | Apr 23, 2026 |
| Price on release | $13.92 |
| EPS estimate | $0.320 |
| EPS actual | $0.330 |
| EPS surprise | 3.13% |
| Date | Price |
|---|---|
| Apr 17, 2026 | $14.04 |
| Apr 20, 2026 | $14.14 |
| Apr 21, 2026 | $14.00 |
| Apr 22, 2026 | $13.87 |
| Apr 23, 2026 | $13.92 |
| Apr 24, 2026 | $14.34 |
| Apr 27, 2026 | $14.71 |
| Apr 28, 2026 | $14.84 |
| Apr 29, 2026 | $14.59 |
| 4 days before | -0.85% |
| 4 days after | 4.81% |
| On release day | 3.02% |
| Change in period | 3.92% |
Primis Financial Earnings Call Transcript Summary of Q1 2026
Primis Financial reported Q1 2026 operating earnings of $0.33 per share (GAAP $0.30), with operating ROA improving to 84 bps versus 40 bps year-over-year. Net interest margin expanded to 3.43% driven by a securities restructure and asset mix, and management expects further margin expansion into the mid‑3.4%s as subordinated debt was partly paid down and roughly $400 million of loans reprice in late 2026/early 2027. Loans grew ~11.7% YoY to $3.4 billion (excludes certain loans moved to HFS) and deposits grew just over 8%, with noninterest-bearing checking up ~19% YoY and now ~16% of total deposits. Mortgage and mortgage-warehouse businesses showed strong momentum: Retail mortgage production was up 122% YoY, closed-margin performance improved (57 bps on closed volume), and mortgage warehouse outstanding reached roughly $460M (briefly $500M). Management highlighted strong operating leverage—~34% revenue growth versus ~4% OpEx growth year-over-year—and plans to deploy AI and digital/core conversions to drive further efficiency and scalable growth without major incremental IT spending. Credit metrics remained stable: provision of $1.5M (including specific reserves) and core net charge-offs low at 6 bps. Management reiterated a goal to reach ~1% ROA in 2026 and longer-term targets to continue improving ROA/ROTCE through mortgage scale, warehouse growth, and AI-driven productivity.
