FRST (Primis Financial) Retained Earnings: $121.3 Mil (As of Jun. 2026)

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FRST Primis Financial Corp FRST
57 GF Score
Price $16.08
GF Value $12.46
Valuation Modestly Overvalued
! 7 Warning Signs
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What is Primis Financial Retained Earnings?

Primis Financial FRST +0.31% 57 Retained Earnings is $121.3 Mil as of Jun. 2026. GuruFocus rates FRST with a GF Score™ of 57/100 and a GF Value™ of $12.46 (Modestly Overvalued). The stock has 7 warning signs investors should review.

Retained earnings is the accumulated portion of net income that is not distributed to shareholders. Primis Financial's retained earnings for the quarter that ended in Jun. 2026 was $121.3 Mil.

Primis Financial's quarterly retained earnings increased from Dec. 2025 ($109.6 Mil) to Mar. 2026 ($114.4 Mil) and increased from Mar. 2026 ($114.4 Mil) to Jun. 2026 ($121.3 Mil).

Primis Financial's annual retained earnings declined from Dec. 2023 ($84.1 Mil) to Dec. 2024 ($58.0 Mil) but then increased from Dec. 2024 ($58.0 Mil) to Dec. 2025 ($109.6 Mil).


Primis Financial  (NAS:FRST) Retained Earnings Explanation

Historically profitable companies sometimes have negative retained earnings. This is because they have cumulatively paid out more to shareholders than they reported in profits.

For example, in 2011, Microsoft had negative retained earnings. This does not mean the company lost more money than it made over the years. It just means it paid out more money than it earned.

If a company has negative retained earnings, investors should check the 10-year financial results. They should not assume that negative retained earnings prove a company has generally lost money in the past.

Of course, many companies with negative retained earnings have indeed lost money in the past.

Retained Earnings: Warren Buffett's Secret.

One of the most important indicators of durable competitive advantage. Net earnings can be paid out as dividends, used to buy back shares or retained for growth.

If the company loses more than it has accumulated, retained earnings is negative.

If a company isn't adding to its retained earnings, it isn't growing its net worth.

Rate of growth of retained earnings is good indicator whether it's benefiting from a competitive advantage.

Microsoft is negative because it chose to buyback stock and pay dividends.

The more earnings retained, the faster it grows and increases growth rate for future earnings.


Primis Financial Retained Earnings Historical Data

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The historical data trend for Primis Financial's Retained Earnings can be seen below:

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

Primis Financial Retained Earnings Chart

Primis Financial Annual Data
Trend Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
Retained Earnings
Get a 7-Day Free Trial Premium Member Only Premium Member Only 97.56 101.85 84.14 58.05 109.62

Primis Financial Quarterly Data
Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25 Dec25 Mar26 Jun26
Retained Earnings Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only 78.18 82.54 109.62 114.37 121.32
FRST
57GF Score
Primis Financial Corp FRST
Retained Earnings is just one metric. See GF Score™, valuation, warning signs, and more.
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Primis Financial Retained Earnings Calculation

Retained Earnings is the accumulated portion of net income that is not distributed to shareholders. Because the net income was not distributed to shareholders, shareholders' equity is increased by the same amount.

Of course, if a company loses, it is called retained losses, or accumulated losses.

Frequently Asked Questions Learn more about Retained Earnings →
What does a Retained Earnings of $121.3 Mil mean?
Primis Financial (FRST) has a Retained Earnings of $121.3 Mil as of Jun. 2026. Retained earnings is the amount of net income not issued to shareholders. View historical data on Primis Financial and its competitors.
Is Primis Financial's Retained Earnings too high?
Primis Financial's current Retained Earnings is $121.3 Mil. Overall, Primis Financial has a GF Score™ of 57/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Primis Financial's Retained Earnings compare to FCBM and RVRF?
Primis Financial's Retained Earnings of $121.3 Mil can be compared against companies in the Banks industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Retained Earnings for a Banks company?
A good Retained Earnings depends on the Banks industry context. However, Retained Earnings should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Retained Earnings mean?
A high Retained Earnings can signal that a stock is expensive relative to its fundamentals. Retained earnings is the amount of net income not issued to shareholders. View historical data on Primis Financial and its competitors. Primis Financial's current Retained Earnings is $121.3 Mil. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Primis Financial stock overvalued right now?
Based on GuruFocus' analysis, Primis Financial (FRST) is currently considered Modestly Overvalued. The stock's GF Value™ is $12.46, compared to a current price of $16.08 — trading 29.1% above its estimated fair value. The current Retained Earnings is $121.3 Mil. Primis Financial's overall GF Score™ is 57/100 with 7 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Retained Earnings calculated?
Retained Earnings is calculated from a company's financial statements. For Primis Financial (FRST), the current Retained Earnings is $121.3 Mil as of Jun. 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.

Is Primis Financial (FRST) Overvalued in 2026?

Based on GuruFocus' analysis, Primis Financial stock appears to be overvalued. The current stock price of $16.08 is trading 29.1% above its estimated GF Value™ of $12.46. GuruFocus considers Primis Financial to be Modestly Overvalued.

Key valuation signals for FRST:

  • Retained Earnings: $121.3 Mil
  • GF Value™: $12.46 vs. price of $16.08 (29.1% above fair value)
  • GF Score™: 57/100 with 7 warning signs

No single metric tells the full story. See the FRST stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.


Primis Financial Business Description

Other Exchanges 7H80:Germany
Address 1676 International Drive, Suite 900, McLean, VA, USA, 22102
Primis Financial Corp is the bank holding company for Primis Bank, providing financial services to individuals and small and medium-sized businesses. Primis Bank offers a wide range of commercial banking services, It focuses on making loans secured mainly by commercial real estate and other types of secured and unsecured commercial loans to small and medium-sized businesses in several industries, as well as loans to individuals for a variety of purposes. The company has two reportable segments: Primis Bank. This segment specializes in providing financing services to businesses in various industries along with consumer and residential loans to individuals. Primis Mortgage. This segment specializes in originating mortgages in a majority of the U.S. The revenue is from Primis Bank.
57GF Score

Get the complete analysis for FRST

Retained Earnings is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$16.08
Price
$12.46
GF Value