Primis Financial Corp logo FRST - Primis Financial Corp

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STRONG
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BUY 2
HOLD 0
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MEDIAN: $19.00
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UPSIDE: 18.60%
AlphaQuality

AlphaQuality

Quantitative six-pillar business-quality grade

Banks, Insurers & Asset Managers

AlphaQuality — archetype-weighted quantitative grade

F 30.0 / 100 pillar composite

Composite Grade

Composite of six pillars weighted for banks, insurers & asset managers businesses. Purely quantitative — the six pillars score only reported financials, no analyst input.

⚠ 2 of the last 5 fiscal years showed negative net income — AlphaQuality will not grade above F for persistent unprofitability in a banks, insurers & asset managers business.

Grade overrides the 30.0 pillar composite because hard gates always win. Use the pillar breakdown below to see where the underlying numbers sit.

Profitability

Weight: 25%
D 35.8

Scored using efficiency ratio — bank-archetype substitution.

  • Efficiency Ratio (FY2025) 62.1% 55/100
  • Efficiency Ratio Trend +2.42 pp/yr 0/100
Contributes 8.9 pts toward composite.

Capital Efficiency

Weight: 15%
D+ 39.8
  • 5yr Avg ROE 3.8% 29/100
  • 5yr Share-Count CAGR 0.3% 60/100
Contributes 6.0 pts toward composite.

Growth Quality

Weight: 15%
C+ 60.1

Scored using revenue growth cross-checked against efficiency-ratio trend — bank-archetype substitution.

  • 5yr Revenue CAGR 18.9% 98/100
  • Efficiency Ratio Trend (growth quality check) +2.42 pp/yr 0/100
  • Revenue-Growth Years (5) 4/5 80/100
Contributes 9.0 pts toward composite.

Cash Generation

Weight: 15%
F 7.5

Scored using efficiency-ratio stability — bank-archetype substitution.

  • Efficiency Ratio Stability (σ) 0.12 7/100
Contributes 1.1 pts toward composite.

Balance Sheet

Weight: 20%
A- 81.3

Scored using equity-to-assets — bank-archetype substitution.

  • Equity / Assets 10.4% 81/100
Contributes 16.3 pts toward composite.

Stability

Weight: 10%
C- 49.4
  • EPS Volatility (σ/μ) 0.61 21/100
  • Negative-Revenue Years (5) 1/5 80/100
  • Piotroski F-Score 6 67/100
Contributes 4.9 pts toward composite.

Guru Flow

Curated superinvestor sentiment — not part of the AlphaQuality grade.
Dumping

1 of 1 gurus held; 1 trimmed.

Holders
1
Avg Δ position
-58.9%
New buys
0
Full exits
0
  • Wood decreased -59%
As of Q2 2026
How this is calculated

AlphaQuality grades six pillars from 0-100 and weights each by archetype:

  • Profitability (25%) — Efficiency Ratio (FY2025), Efficiency Ratio Trend
  • Capital Efficiency (15%) — 5yr Avg ROE, 5yr Share-Count CAGR
  • Growth Quality (15%) — 5yr Revenue CAGR, Efficiency Ratio Trend (growth quality check), Revenue-Growth Years (5)
  • Cash Generation (15%) — Efficiency Ratio Stability (σ)
  • Balance Sheet (20%) — Equity / Assets
  • Stability (10%) — EPS Volatility (σ/μ), Negative-Revenue Years (5), Piotroski F-Score

The six pillars read only reported financial-statement fields — no analyst targets or consensus ratings. The archetype that picks which pillar formulas apply is not fully price-free, though: it can route a company to the distressed/ungradable archetype based on price vs. its 52-week high, and beta affects one classification check. A minimum of 5 fiscal years of audited statements is required. Insurers and banks are graded on their own methodology — insurers on loss ratio, its trend and stability, and premiums-to-surplus; banks on the efficiency ratio, its trend and stability, and equity-to-assets — rather than on industrial margin/ROIC signals. Distressed, highly leveraged infrastructure, asset-manager, and other financial businesses are declared ungradable rather than forced into a numeric score.