COMP <GO>

FRST vs CFFI // EV/EBITDA & P/E VALUATION

Primis Financial Corp. (NASDAQ) VS. C&F Financial Corporation (NASDAQ) • 15-METRIC TALLY: FRST 2 — CFFI 3

■ METRIC PARITY

LAST: $14.83 (+0.03%) • MKT CAP: $367.6M

valuation

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LAST: $111.25 (+1.39%) • MKT CAP: $361.8M

valuation

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15-METRIC INSTITUTIONAL SIDE-BY-SIDE SCORECARD (FRST VS. CFFI) EMERALD CELL = QUANTITATIVE EDGE

INSTITUTIONAL METRIC	FRST	CFFI	SPREAD (A - B)	ADVANTAGE	DEDICATED URL
Gross Profit Margin	—	—	—	TIE	/gross-margins <GO>
Return on Invested Capital (ROIC)	0.00%	10.30%	-10.30	CFFI	/roic <GO>
EV/EBITDA & P/E Valuation ACTIVE	—	—	—	TIE	/valuation <GO>
Free Cash Flow Yield	2.46%	6.13%	-3.67	CFFI	/fcf-yield <GO>
Operating Margin	—	—	—	TIE	/operating-margins <GO>
Net Profit Margin	—	19.10%	—	TIE	/net-margins <GO>
Revenue Growth (YoY)	—	10.60%	—	TIE	/revenue-growth <GO>
Dividend Yield & FCF Payout Safety	2.69%	1.65%	+1.04	FRST	/dividend-safety <GO>
Altman Z-Score & Debt/Equity	—	—	—	TIE	/balance-sheet <GO>
Piotroski F-Score Quality	5/9	5/9	0.00	TIE	/piotroski-score <GO>
Options Implied Move & Put/Call Skew	—	—	—	TIE	/options-implied-move <GO>
RSI-14 & 200D SMA Momentum	36.3	68.5	-32.28	CFFI	/rsi-technicals <GO>
10Y Yield & FRED Macro Beta	—	—	—	TIE	/macro-sensitivity <GO>
Forward P/E Multiple	—	12.6x	—	TIE	/forward-pe <GO>
Enterprise Scale & Market Cap	$367.6M	$361.8M	$5.9M	FRST	/market-cap <GO>

5-YEAR HISTORICAL XBRL REVENUE & MARGIN TRAJECTORY SEC FORM 10-K FY

FISCAL YEAR	FRST REV	CFFI REV	FRST GROSS %	CFFI GROSS %	FRST FCF	CFFI FCF
FY 2025	$0	$140.8M	—	—	$9.0M	$22.2M
FY 2024	$0	$127.3M	—	—	$18.3M	$33.3M
FY 2023	$0	$127.3M	—	—	$28.8M	$38.8M

FRED MACRO REGIME CORRELATION COMPARISON PEARSON r

FRST // BETA —

CFFI // BETA —