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Primis Financial Corp. (FRST) — RQD Stock Rating Cockpit

$14.83 +0.03% NASDAQ • Live Quote vs Prior Daily Close (Synced Snapshot) EXT / AFTER-HRS: $14.80

Primis Financial Corp. (FRST) carries a Roarable Rating of D+ (Sell) with 56/100 RQD Confidence due to weak cash-flow efficiency and sensitivity to current interest rates. Wait for business cash flow and institutional buying to improve before committing fresh capital.

📊 Historical Track Record: Scores of 56/100 (D+) historically posted market-perform odds over rolling 90-day windows (-0.4% avg 90D alpha vs SPY) →

ROARABLE D+ • SELL / AVOID Cap $367.6M

📤 Share Live RQD Speedometer Card: 𝕏 Post Reddit StockTwits ⬇ Live SVG Card

INTERACTIVE SCENARIO DECK:

🛡️ Portfolio Crash X-Ray

EXT / AFTER-HRS: $14.80 (-0.18%)🧬 Cannibal Buyback (-0.68% YoY Shares)⚙️ Cash Engine: 9/20 (D) • 0.2% FCF Margin

Verify 90D Bucket Audit →

📊 Historical Track Record: Scores of 56/100 (D+) historically posted market-perform odds over rolling 90-day windows (-0.4% avg 90D alpha vs SPY • 51.8% hit rate — wait for RQD ≥ 70 breakout).

Audit Bucket Track Record →

RQD QUANT TACHOMETERSELL / AVOID • D+

JEV AI Jury Split (Battleground)

Cash

SEC

Whale

Impersonal quantitative research (0–100 RQD rubric) — not individualized investment advice. Past performance does not guarantee future results. Full Disclaimer

5-PILLAR SNOWFLAKE RADARRw D · Rk B-

Each axis scored 0–20

12M PRICE TARGET CONE-0.9% Base Target

WHALE OPTIONS SNAPSHOT: — (No Active Options Snapshot on file for FRST)Realized 20D OHLCV Swing Band: ±4.8%

Deterministic 5-Pillar Attribution (56/100 Composite)

🔍 WHY FRST SCORES 56/100 (D+) — TOP 3 DRIVERS2 Bullish Pillars + #1 Risk Drag

▲ #1 Bullish Driver: Macro Regime Fit+15/20 pts (27% of score)

FRED Regime × Technicals: 68% of 52W Range • RSI-14 at 36.3 (NEUTRAL RANGE)

▲ #2 Bullish Driver: SEC 10-K Forensic Risk+13/20 pts (23% of score)

Altman Z-Score 3.80 (FORTRESS SAFE (>3.0)) • Piotroski F-Score 5/9

▼ #1 Drag / Risk Factor: Whale & Options Positioning9/20 pts (-11 pt drag)

Put hedging (50% put share) caps near-term gamma upside (-11 pts vs max)

📈 PAST 4 QUARTERS RQD vs SUBSEQUENT RETURNQ1 → Q2 → Q3 → Current

Q1 (-3Q)

Grade C+$15.25+1.4% Next Q

Q2 (-2Q)

Grade C$15.47-1.2% Next Q

Q3 (-1Q)

Grade C$15.28-2.9% Next Q

Current

Grade D+$14.83-0.4% Hist 90D α

Trajectory: C+ (64) → D+ (56)Full Audit →

⚔️ ADVERSARIAL OPPOSING CASE & FORENSIC KILL-SWITCH (WHY THE BULL/BEAR THESIS COULD FAIL)GIDEON ASHMERE // FORENSIC SHORT & KILL-SWITCH DOSSIER

⚔️ Adversarial Opposing Case: Why the FRST Bull Thesis Could Fail

Gideon Ashmere Forensic Desk →

Even with a 56/100 (D+) score, FRST faces multiple-compression risk if current valuation multiples re-rate toward historical sector medians or if hyperscaler/enterprise customer concentration slows in upcoming 10-Q filings.

⚠️ Forensic Kill-Switch #1

Company executives have done more routine share selling than personal cash buying lately.

⚠️ Forensic Kill-Switch #2

Dilution & Margin Drag: Cannibal Buyback (-0.68% YoY Shares) — any gross margin slip below 49.5% triggers an automatic RQD downgrade.

⚠️ Forensic Kill-Switch #3

Technical & Forensic Kill-Switch: A daily close below the 50D SMA ($15.64) or 200D SMA ($14.83) invalidates the momentum regime and cuts Target Base ($14.70) toward Bear Floor ($11.47).

🎲 LIVE PREDICTION MARKET ODDS TIED TO $FRST• $2.4M Crowd Pool • Kalshi / Polymarket Composite

Contract: “FRST Beats Next Quarter EPS Consensus (Dec 30, 2026) & Holds Above 200D SMA”

YES 56%NO 44%Trade / Inspect Odds →

RSI-14 MOMENTUMNEUTRAL RANGE

36.330 Oversold · 70 Hot

ALTMAN-Z SHIELDFORTRESS SAFE (>3.0)

3.80>3.0 Fortress Safe

PIOTROSKI F-SCORESOLID CORE (5–6)

5 / 99-Pt Accounting

52-WEEK LASER RANGE68% OF RANGE

L: $11$14.83H: $17

1. Money & Cash Health● WEAK

Are profits real cash in the bank?

Weak cash conversion or heavy valuation strain compared to actual cash earned.

Factor Grade: DRQD 9 / 20

2. Big Money & Insiders● TRIMMING

Are whales & executives buying or selling?

Insiders and big institutional desks have been trimming shares rather than stepping up to buy.

Factor Grade: DRQD 19 / 40

3. Hidden Risks & Market Weather● ALL CLEAR

SEC fine-print scan & interest-rate fit

Clean SEC fine-print check with low hidden accounting risk and favorable interest-rate weather.

Factor Grade: B-RQD 28 / 40

MULTI-MODEL JEV QUANT JURY DELIBERATION

JEV AI Jury Split (Battleground) on FRST

Cash & Moat Bull AI

ROIC & Free Cash Flow Model

BEARISH (45)

0.0% ROIC with 42.0% gross margin and 2.46% FCF yield.

SEC Forensic Auditor AI

10-K Accruals & Altman-Z Guard

NEUTRAL (65)

Altman-Z 4.20 and Piotroski 5/9 pass balance-sheet audit.

Whale & Macro Hawk AI

Options Skew, 13F & Fed NetLiq

NEUTRAL (57)

19/40 institutional & smart-money positioning score with 15/20 macro alignment.

Bull Case: Why Buyers Like FRST

✓Established market leader in Financials with deep daily trading liquidity.

Bear Case: What Could Go Wrong

!Company executives have done more routine share selling than personal cash buying lately.

ON-DEMAND RQD QUANT WORKSHOP • SPONSORED / PARTNER SPOTLIGHTHosted by Perry Belcher & Roarable Forensic Quant Desk

Red-Light Warning Desk: Spotting SEC Cash-Flow & Dilution Risks Before Downgrades (Featuring FRST)

✓Walkthrough of FRST's RQD Radar, SEC cash-conversion gap & downside invalidation levels
✓3 asymmetric Bear/Hedge frameworks when 10-year Treasury yields stay elevated
✓Includes nightly RQD rating-change & forensic signal email alerts on your tracked stocks

RQD INSIDER CLUB WAITLIST$49/YR PLANNED

Want Custom AI PineScript / Python Indicators & Priority Rating-Change Alerts?

Join Founding VIP Waitlist (No Card Required) →$100K Arena

FRST // CANDLESTICK & AUTO-TRENDLINE WORKSTATION6M: +1.16%🛡️ HOLDING TREND SUPPORT

2026-10-30O $14.89H $14.89L $14.67C $14.83VOL 145.2K

RES: $15.93SUP: $14.64SMA50: $15.64SMA200: $14.83

PRIMARY-SOURCE FORENSICS, SECOND-ORDER LINKS & AI ANALYST DESK

FRST Dilution Monitor, Expectations Hurdle, Butterfly Connections & Policy Exposure

🦋 FRST Butterfly Map → + Track FRST →

Share Count & Dilution Monitor (#25)

Multi-year comparable XBRL diluted share count not disclosed (ETF or recent listing).

Reverse-DCF Expectations Hurdle (#30)

8.0%/yr Implied 5Y Growth

vs. +6.0% actual YoY revenue growth (assuming 9.25% cost of equity & 16.5x terminal multiple).

Ellis Vennor Setup Ledger (#33)

No active Ellis Vennor swing setup published on FRST today. View full Setup Ledger →

🦋 Documented & Second-Order Butterfly Connections Open Graph →

No direct multi-tier Butterfly edges indexed yet for FRST. Explore sector supply chains on /butterfly.

AI Analyst Theses, Washington Policy & Company Video

🎬 No recent verified company-specific video clip queued for FRST today (we never pad ticker pages with unrelated generic clips). Browse Macro Video Desk →

DETERMINISTIC MULTI-FACTOR EQUITY AUDIT • SEC EDGAR XBRL × RQD PEER BENCHMARK

📊 Quantitative Sector Peer Comparison, SEC Filing Delta & Investment FAQ (FRST)

Financials Rank #684 of 1096 ⚔️ USCB vs FRST Full Matrix →

1. Head-to-Head Financials Peer Comparison (FRST vs. USCB, CFFI, BRBS, FDBC)

Industry: Major Banks (248 Tracked Issuers)

Across 1096 tracked Financials securities in the Roarable RQD universe, Primis Financial Corp. (FRST) ranks #684 by composite RQD confidence (56/100, grade D+) and #770 by equity capitalization ($367.6M). Within this direct 5-issuer industry benchmark cohort, CFFI leads on earnings valuation at 13.5x trailing P/E, while USCB leads on capital efficiency and profitability with 12.0% ROIC and — gross margin. USCB currently holds the highest overall quantitative score in the immediate peer group at 70/100 (B-) compared with FRST at 56/100 (D+).

Ticker / Company	Roarable Grade	RQD Score	Trailing P/E	Gross Margin	ROIC	1D Change	Market Cap	Head-to-Head
FRST ACTIVE Primis Financial Corp.	D+	56/100	—	—	0.0%	+0.03%	$367.6M	Benchmark Subject
USCB USCB Financial Holdings Inc. (Class A)	B-	70/100	14.1x	—	12.0%	-0.35%	$366.7M	/uscb-vs-frst →
CFFI C&F Financial Corporation	C-	59/100	13.5x	—	10.3%	+1.39%	$361.8M	/cffi-vs-frst →
BRBS Blue Ridge Bankshares Inc.	C+	66/100	33.8x	—	3.3%	+1.77%	$361.4M	/brbs-vs-frst →
FDBC Fidelity D & D Bancorp Inc.	C+	69/100	13.6x	—	11.8%	+3.65%	$382.4M	/fdbc-vs-frst →

2. Multi-Year SEC XBRL Revenue, Cash Flow & Balance-Sheet Trajectory (FY2023–FY2025)

SEC EDGAR 10-K • FILED 2025-12-31 • CIK 0001325670

In its most recent audited fiscal period (FY2025, filed 2025-12-31), Primis Financial Corp. (FRST) reported GAAP revenue of $0 (N/A vs. FY2024 revenue of $0 ) , GAAP net income of $61.4K, operating cash flow of $10.8M, and free cash flow of $9.0M (-50.7% YoY). On the balance sheet, FRST closed FY2025 with $4.05B in total assets against $0 in total debt (Altman Z-Score: N/A, Piotroski F-Score: 5/9).

Fiscal Period	Filing Date	Revenue	Net Income	Operating Cash Flow	Free Cash Flow	Total Assets	Total Debt
FY2025 (FY)	2025-12-31	$0	$61.4K	$10.8M	$9.0M	$4.05B	—
FY2024 (FY)	2024-12-31	$0	-$16.2K	$19.5M	$18.3M	$3.69B	—
FY2023 (FY)	2023-12-31	$0	-$7.8K	$28.8M	$28.8M	—	—

3. FRST Data-Verified Investor FAQ (RQD Rating, Sector Peers, SEC Forensics & Technicals)

✓ SCHEMA.ORG FAQPAGE JSON-LD ENABLED

Is FRST stock a Buy, Hold, or Sell right now according to Roarable's RQD model?

As of 2026-11-01, Primis Financial Corp. (NASDAQ: FRST) is rated D+ (Sell / SELL) by Roarable's 5-pillar RQD engine with a composite confidence score of 56/100 at a spot price of $14.83 (+0.03% 1D, market cap $367.6M). Pillar breakdown: Fundamental Cash Engine 9/20, Institutional 13F & Options Flow 9/20, Executive Insider Alignment 13/20, FRED Macro Regime Fit 15/20, and SEC Balance-Sheet Forensics 10/20. Across 1096 tracked Financials issuers, FRST ranks #684 in composite RQD confidence.

How does FRST compare to USCB and CFFI in the Financials sector?

Within the Financials sector (Major Banks), FRST carries a Roarable D+ (56/100 RQD), trailing P/E of N/A, gross margin of —, and ROIC of 0.0%. By comparison, USCB (USCB Financial Holdings Inc. (Class A)) holds a B- grade (70/100 RQD, P/E 14.1x, ROIC 12.0%, cap $366.7M) and CFFI (C&F Financial Corporation) posts a C- grade (59/100 RQD, P/E 13.5x, ROIC 10.3%, cap $361.8M). Among the 5-stock peer group, CFFI leads on earnings multiple (13.5x) while USCB leads on capital efficiency (12.0% ROIC).

What are the biggest fundamental strengths and SEC risk factors for FRST?

Per FRST's SEC EDGAR XBRL 10-K filing (FY2025, filed 2025-12-31, CIK 0001325670), Primis Financial Corp. generated $0 in revenue, $61.4K in net income, and $9.0M in free cash flow against $4.05B in total assets and $0 in total debt. Key quantitative strengths: Established market leader in Financials with deep daily trading liquidity.. Primary risk factors monitored: Company executives have done more routine share selling than personal cash buying lately.. Institutional options positioning shows a 50% call / 50% put premium split.

Where is FRST trading relative to its 50-day, 200-day, and 52-week technical levels?

FRST last traded at $14.83 (+0.03% on volume of 164,530 shares), positioning the stock -5.18% below its 50-day simple moving average ($15.64) and 0.00% above its 200-day simple moving average ($14.83). Across its 52-week range of $10.50 to $16.88, FRST sits at the 67.9% percentile with a 14-day RSI of 36.3 (NEUTRAL RANGE) and an implied next-earnings move of ±4.8% ($14.12 to $15.54).

FRST Investor FAQ & Complete 8-Part Research Index

100% OPEN ACCESS • SEC EDGAR × CBOE × FRED

Should I buy, hold, or sell FRST stock right now?

Primis Financial Corp. (FRST) currently earns a Roarable Rating of D+ (Sell — SELL) with 56/100 RQD Confidence. Stretched risk/reward at current multiples (0% return on capital) under elevated 10-year interest-rate pressure.

What is FRST's 12-month price target and RQD AI Jury consensus?

FRST's 12-month base price target is $14.7 (range $11.47 to $17.72), backed by transparent SEC XBRL cash-flow, Form 4 insider, and CBOE options flow analysis.

Direct Sub-Reports: FRST RQD Cockpit FRST 12M Forecast FRST Earnings & Move FRST Dividends & DRIP FRST Insiders & 13F FRST Whale Options FRST Profit Sankey FRST News & Why