Primis Financial Corp (NAS:FRST)

Q4 2025 Primis Financial Corp Earnings Call Transcript

Jan 30, 2026 / 03:00 PM GMT

Release Date Price: $13.48 (-0.74%)

Transcript 8-K

Key Points

Positve

Primis Financial Corp (FRST) reported strong earnings of $29.5 million or $1.20 per share, reflecting a nearly 3% return on assets (ROA).
The company achieved a significant increase in net interest margin from 290 basis points in the previous year to 328 basis points in the fourth quarter of 2025.
Checking accounts grew by over 23% during the year, placing Primis Financial Corp (FRST) among the top 10 banks nationwide for checking account growth.
The company successfully rebuilt its earning assets, growing them by $325 million with a larger growth in the loan size, while maintaining steady yields.
Primis Financial Corp (FRST) maintained a strong focus on cost control, with operating expenses expected to remain stable, allowing for improved revenue trends.

Negative

The fourth quarter included substantial noise from restructuring and other items, which may have impacted the clarity of financial results.
The company's mortgage division experienced a seasonally slow quarter, which affected overall performance.
There is a risk of potential pressure on operating expenses if new revenue opportunities or producers are not managed effectively.
The company faces challenges in maintaining its current margin levels amidst changing interest rates and market conditions.
Primis Financial Corp (FRST) has a history of noise in its past financials, which may affect investor confidence until consistent results are demonstrated.

Refinitiv StreetEvents Event Transcript
E D I T E D V E R S I O N

FRST.OQ - Primis Financial Corp
Q4 2025 Primis Financial Corp Earnings Call
Jan 30, 2026 / 03:00PM GMT

=====================
Presentation
--------------------------------------------------------------------------------
Unidentified_1 [1]
--------------------------------------------------------------------------------
Thank you for standing by and welcome to the Premise Financial Corp 4th quarter earnings conference call. All lines have been placed on mute to prevent any background noise. After the speaker's remarks, there will be a question-and-answer session. If you would like to ask a question during this time, simply press star, followed by the number 1 on your telephone keypad. If you'd like to withdraw your question again, press 1.

Thank you. I'd now like to turn the call over to Matt Switzer, Chief Financial Officer. You may begin.

--------------------------------------------------------------------------------
Unidentified_2 [2]
--------------------------------------------------------------------------------

Already have an account? Log in

Get the full story

Subscribe Now

	Access to All Earning Calls and Stock Analysis
	30-Year Financial on one screen
	All-in-one Stock Screener with unlimited filters
	Customizable Stock Dashboard
	Real Time Insider Trading Transactions
	8,000+ Institutional investors’ 13F holdings
	Powerful Excel Add-in and Google sheets Add-on
	All data downloadable
	Quick customer support
	And much more...

30-Day 100% money back guarantee

Subscription fee may be tax deductible.

Excellent

4.6 out of 5

Trustpilot

Research Tools

All-In-One Screener Stock Ideas Stock List Guru List Guru Real-Time Picks Insider List Insider Trades Economic Indicators Sector & Industry Performance DCF Calculator Calculators Discussion Board

Product

Pricing Plans Excel Add-In Google Sheets Add-on Data API Stock Comparison Table Manual of Stocks Instant Alerts Mobile App Newsletters Signup 中文

Education

Financial Glossary Tutorials FAQ Buffett Indicator Shiller P/E Yield Curve Today U.S. Inflation Rate Global Market Valuation Fed Net Liquidity Buffett Assets Allocation

Company

About GuruFocus Career Contact Us Advertise Term of Use Privacy Policy Referral Program Partner Program

Survey

We'd love to learn more about your experiences on GuruFocus.com and how we can improve!

Take Survey

Disclaimers

GuruFocus.com is not operated by a broker or a dealer. Under no circumstances does any information posted on GuruFocus.com represent a recommendation to buy or sell a security. The information on this site, and in its related newsletters, is not intended to be, nor does it constitute investment advice or recommendations. The individuals or entities selected as "gurus" may buy and sell securities before and after any particular article and report and information herein is published, with respect to the securities discussed in any article and report posted herein. Gurus may be added or dropped from the GuruFocus site at any time. In no event shall GuruFocus.com be liable to any member, guest or third party for any damages of any kind arising out of the use of any content or other material published or available on GuruFocus.com, or relating to the use of, or inability to use, GuruFocus.com or any content, including, without limitation, any investment losses, lost profits, lost opportunity, special, incidental, indirect, consequential or punitive damages. Past performance is a poor indicator of future performance. The information on this site, and in its related newsletters, is not intended to be, nor does it constitute investment advice or recommendations. The information on this site is in no way guaranteed for completeness, accuracy or in any other way. The gurus listed in this website are not affiliated with GuruFocus.com, LLC. Stock quotes are provided by QuoteMedia, Inc. (CSI). Company fundamental data is provided by Morningstar. Analyst estimates data is sourced from both Refinitiv and Morningstar, with priority given to Refinitiv data. Data is updated daily.