Primis Financial Corp. (SONA) Stock Recommendation | Score, Valuation, Technicals & Financial Trend

Score

Click here to find our call on this stock

Strong Sell

Sell

Hold

Buy

Strong Buy

Comparison

Company

Score

Quality

Valuation

Financial

Technical

Norwood Financial Corp.

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Bank7 Corp.

Plumas Bancorp

USCB Financial Holdings, Inc.

Primis Financial Corp.

FVCBankcorp, Inc.

PCB Bancorp

Middlefield Banc Corp.

Oak Valley Bancorp

Why is Primis Financial Corp. ?

The company has declared Positive results for the last 5 consecutive quarters

NET PROFIT(HY) Higher at USD 37.04 MM
ROCE(HY) Highest at 1.16%
NII(Q) Highest at USD 32.07 MM

With ROA of 0.98%, it has a very attractive valuation with a 0.75 Price to Book Value

Over the past year, while the stock has generated a return of 60.28%, its profits have risen by 534.2% ; the PEG ratio of the company is 0

High Institutional Holdings at 100%

These investors have better capability and resources to analyse fundamentals of companies than most retail investors.
Their stake has increased by 1.54% over the previous quarter.

Market Beating performance in long term as well as near term

Along with generating 60.28% returns in the last 1 year, the stock has outperformed S&P 500 in the last 3 years, 1 year and 3 months

Real-Time Research Report

Verdict Report

How much should you hold?

Overall Portfolio exposure to Primis Financial Corp. should be less than 10%
Overall Portfolio exposure to Regional Banks should be less than 30%

(If sector exposure > 30%, please use optimiser tool to see which are the best stocks to hold in Regional Banks)

When to exit? - We will constantly monitor the company and suggest at the appropriate time to exit from the stock

Is Primis Financial Corp. for you?

Medium Risk, High Return

Absolute

Risk Adjusted

Volatility

Primis Financial Corp.

60.28%

1.63

29.72%

S&P 500

28.2%

2.23

12.66%

Quality

Management Risk

Growth

Capital Structure

Quality grade scale :

Below Average, Average, Good, Excellent

Quality key factors

Factor

Value

Sales Growth (5y)

11.22%

EBIT Growth (5y)

47.81%

EBIT to Interest (avg)

Debt to EBITDA (avg)

Net Debt to Equity (avg)

Sales to Capital Employed (avg)

Tax Ratio

Dividend Payout Ratio

16.06%

Pledged Shares

Institutional Holding

98.46%

ROCE (avg)

ROE (avg)

Valuation

Valuation Scorecard

Valuation grade scale :

Very Risky, Risky, Very Expensive, Expensive, Fair, Attractive, Very Attractive

Valuation Key Factors

Factor

Value

P/E Ratio

Industry P/E

Price to Book Value

0.75

EV to EBIT

1.98

EV to EBITDA

1.81

EV to Capital Employed

0.55

EV to Sales

0.65

PEG Ratio

0.01

Dividend Yield

ROCE (Latest)

27.73%

ROE (Latest)

14.53%

Technicals

Technical key factors

Indicator

Weekly

Monthly

MACD

Mildly Bearish

Bullish

RSI

No Signal

Bollinger Bands

Bullish

Moving Averages

Bullish (Daily)

KST

Mildly Bearish

Bullish

Dow Theory

No Trend

Mildly Bearish

OBV

Mildly Bullish

Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned

Technical Movement

Analyse All Technical Factors

Financial Trend

Financial Trend Scorecard

Financial Trend scale:

Very Negative, Negative, Flat, Positive, Very Positive, Outstanding

19What is working for the Company

NET PROFIT(HY)

Higher at USD 37.04 MM

ROCE(HY)

Highest at 1.16%

NII(Q)

Highest at USD 32.07 MM

CASH AND EQV(HY)

Highest at USD 18.05 MM

CREDIT DEPOSIT RATIO(HY)

Highest at 98.8%

NET SALES(Q)

Highest at USD 53.53 MM

-12What is not working for the Company

PRE-TAX PROFIT(Q)

At USD 10.33 MM has Fallen at -43.25%

NET PROFIT(Q)

At USD 7.31 MM has Fallen at -52.54%

OPERATING CASH FLOW(Y)

Lowest at USD -77.98 MM

ROCE(HY)

Lowest at 1.16%

GROSS NPA (%)

Here's what is working for Primis Financial Corp.

NII

Highest at USD 32.07 MM

in the last five periods

MOJO Watch

The bank's income from core business is increasing

NII (USD MM)

Net Sales

Highest at USD 53.53 MM

in the last five periods

MOJO Watch

Near term sales trend is positive

Net Sales (USD MM)

Cash and Eqv

Highest at USD 18.05 MM

in the last six Semi-Annual periods

MOJO Watch

Short Term liquidity is improving

Cash and Cash Equivalents

Credit Deposit Ratio

Highest at 98.8%

in the last four Semi-Annual periods

MOJO Watch

Bank has been creating proportionately higher loans against its deposits, thereby creating higher revenue generating assets

Credit Deposit Ratio (%)

Depreciation

Highest at USD 3.4 MM

in the last five periods

MOJO Watch

The expenditure on assets done by the company may have gone into operation

Depreciation (USD MM)

Here's what is not working for Primis Financial Corp.

Pre-Tax Profit

At USD 10.33 MM has Fallen at -43.25%

over average net sales of the previous four periods of USD 18.2 MM

MOJO Watch

Near term Pre-Tax Profit trend is very negative

Pre-Tax Profit (USD MM)

Net Profit

At USD 7.31 MM has Fallen at -52.54%

over average net sales of the previous four periods of USD 15.41 MM

MOJO Watch

Near term Net Profit trend is very negative

Net Profit (USD MM)

Non Performing Loans (%)

Highest at 3.11%

in the last four Semi-Annual periods

MOJO Watch

Proportion of stressed loans given by the bank are increasing

Non Performing Loans (%)

Operating Cash Flow

Lowest at USD -77.98 MM

in the last three years

MOJO Watch

The company's cash revenues from business operations are falling

Operating Cash Flows (USD MM)