B+
Bull case
25%
Probability
Target price
$20.50
Analysis reference price unavailable
Analysis 2026-07-28 · RankAlpha Sentiment Codex
FRST
Primis FinancialBNasdaq / Banks
Last Price
Quote time unavailable
Current thesis
Q2 showed materially better recurring operating momentum: higher NIM, stronger earning-asset growth, improved credit metrics, mortgage growth, and planned digital-core savings. The $18.125 median analyst target implies roughly 15% upside from the $15.80 anchor, though the target count is unavailable.
Posture
Constructive
Lead driver
Sentiment
What changed
Sentiment remains the lead driver in the composite, 7D delta +2.8.
What can break
Analyst revision and post-print target-change evidence is unavailable.
Momentum
63
Value
64
Sentiment
70
Setup hits (3d)
0 · Net Neutral
AI TargetsBase $18.13 · Bull $20.50 · Bear $13.50Analysis 2026-07-28; returns require an exact persisted reference.
Data freshness
Prices
Unavailable: Price unavailable
Fundamentals
As of 2026-08-17 • Vendor: Data Vendor v1
Scores
As of 2026-09-09 • Model: HYBRID_IC_RP
AI Memo
As of 2026-07-28 • Model: RankAlpha Sentiment Codex
Investment thesisAs of 2026-09-09
Investment thesis
As of 2026-09-09
Grade is the composite factor band; factor scores use a 0–100 scale. Confidence describes evidence quality, not a probability of return. Score date: 2026-09-09. Definitions
Supporting evidence
What
Grade B · Constructive
Confidence Medium · Net Neutral
Target $19.19
Why
Momentum63 · Δ7d +2.0
Value64 · Δ7d 0.0
Sentiment70 · Δ7d +2.8
So what
Strength-led posture (Net Neutral). Favor watchlist adds and disciplined entries.
Confirming evidence
- • Sentiment remains the lead driver in the composite, 7D delta +2.8.
Contradictions & invalidation
- • Analyst revision and post-print target-change evidence is unavailable.
- • Competitive loan pricing could pressure net interest margin.
- • The earnings improvement included a $5.9 million insurance-investment gain offset by legal and CRE reserve costs.
Catalyst clock
2026-07-23
Strong Q2 2026 operating improvement
Lead driver: Sentiment · See AI snapshot
Momentum
63
9% active weight
Current posture
7d trendSoftening
Δ7d
+2.0
Δ21d
-0.4
Value
64
28% active weight
Current posture
7d trendFlat
Δ7d
0.0
Δ21d
+0.0
Sentiment
70
62% active weight
Current posture
7d trendImproving
Δ7d
+2.8
Δ21d
+5.5
Why this grade
Composite grade B. Momentum 63.1 / Value 64.4 / Sentiment 70.0
Scenario snapshot
Scenario probability is memo-authored likelihood, not forecast certainty. Targets belong to the analysis dated 2026-07-28. Scenario method
Most likely
B
Base case
50%
Probability
Target price
$18.13
Analysis reference price unavailable
Analysis 2026-07-28 · RankAlpha Sentiment Codex
B-
Bear case
25%
Probability
Target price
$13.50
Analysis reference price unavailable
Analysis 2026-07-28 · RankAlpha Sentiment Codex
Fundamentals (TTM)As of 2026-08-17
Fundamentals (TTM)
As of 2026-08-17
Market Cap
$412.66M
Beta
0.76
Shares Out
24.8M
P/E (TTM)
38.5
P/S (TTM)
1.79
P/FCF (TTM)
38.58
Rev YoY
+19.3%
EPS YoY
+285.7%
Gross Margin
-
Op Margin
+21.7%
Net Debt
$191.14M
Current Ratio
0.08
As of 2026-09-09 • Updated nightlySource: Internal modelMethods & Data