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Investor Relations14 Oct 2025
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Primis Financial (FRST) investor relations material
Primis Financial Q2 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q2 2025 earnings summary25 Jul, 2025
Executive summary
Net income for Q2 2025 was $8.4M ($0.34/share), up from $3.4M in Q2 2024, driven by a $7.5M gain from Panacea share sale and strong mortgage growth.
Six-month net income reached $31.1M ($1.26/share), boosted by $24.6M from Panacea deconsolidation and $7.5M from share sale.
Tangible book value per share rose to $11.72, with capital ratios TCE/TA at 7.63% and CET1 at 9.27%.
Core bank remains 100% core funded, with no brokered deposits and a focus on prime quality assets.
Mortgage loan closings rose 52% year-over-year to $323M, with growth in construction-to-permanent products.
Financial highlights
Net interest margin (core/ex-Consumer Program) was 3.15% in Q2 2025, up from 2.80% a year ago.
Net interest income for Q2 2025 was $25.5M, up from $24.9M in Q2 2024.
Noninterest income reached $18.0M in Q2 2025, mainly from Panacea gains.
Noninterest expense was $31.9M, with core operating expenses under $21M after excluding nonrecurring items.
Book value per share rose to $15.52; tangible book value per share to $11.72.
Outlook and guidance
Management expects Q3 2025 expense reductions of $0.9M, increasing to $1.5M per quarter from Q4 2025 onward.
Margin expected to reach 3.20% as deposit mix and costs improve.
Loan growth for 2025 expected in the high single digits, with slower growth in 2026.
Pre-tax pre-provision earnings visibility is $10.5–$11M per quarter, with a 1% ROA goal.
No material impact anticipated from recent tax law changes (OBBBA).
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Next Primis Financial earnings date
Q3 202524 Oct, 2025
Next Primis Financial earnings date
Q3 202524 Oct, 2025
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Frequently asked questions
Primis Financial Corp operates as a bank holding company providing a range of financial services through its subsidiary, Primis Bank. It offers personal and commercial banking products including checking and savings accounts, loans, mortgages, and treasury services. The company serves individuals, small to mid-sized businesses, and professionals primarily in the Mid-Atlantic region. The company is headquartered in McLean, Virginia, and its shares are listed on the NASDAQ.
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