FRAF vs FRST

Franklin Financial Services Cor vs Primis Financial Corp. — Valuation Comparison 2026

By CirclFi Research Team · Updated 2026-06-03 · Data from SEC EDGAR, FRED & GDELT

Quick Summary — FRST scores higher on quality with 8.2/10 vs FRAF's 7.8/10. FRAF trades at $56.66 while FRST trades at $14.89. Both analyzed daily using SEC EDGAR data across 13 institutional models.

FRAF

Banks - Regional
Franklin Financial Services Cor
Quality
7.8
out of 10
Value Trap
12
SAFE
Price
$56.66
Last close
Models
11/13
Active
VS

FRST

Banks - Regional
Primis Financial Corp.
Quality
8.2
out of 10
Value Trap
12
SAFE
Price
$14.89
Last close
Models
11/13
Active
FRAF
Earnings Power Value sees +70.7% upside
Limited to 2/13 visible models
FRST
Quality Score 8.2/10 — top tier
Limited to 2/13 visible models

FRAF vs FRST — Fair Value Comparison

FRAF
$0$38$76$114 Price$56.66 Bayesian …$70.42 (+24.3%) Earnings …$96.73 (+70.7%)
FRST
$0$6$12$18 Price$14.89 Bayesian …$3.96 (-73.4%) Earnings …$14.00 (-6.0%)
Market Price Model 1 Model 2

Model-by-Model Comparison

ModelType FRAF Fair ValueFRAF Upside FRST Fair ValueFRST Upside
Bayesian DCF Intrinsic $70.42 +24.3% $3.96 -73.4%
Earnings Power Value Intrinsic $96.73 +70.7% $14.00 -6.0%
EROIC Spread Intrinsic $•••.•• ••.•% $•••.•• ••.•%
First Chicago Scenario $•••.•• ••.•% $•••.•• ••.•%
Markov DDM Intrinsic $•••.•• ••.•% $•••.•• ••.•%
ML-RIV Intrinsic $•••.•• ••.•% $•••.•• ••.•%
Regime Cross-Sectional Relative $•••.•• ••.•% $•••.•• ••.•%
Sentiment SOTP Hybrid $•••.•• ••.•% $•••.•• ••.•%
CUCE Ensemble Ensemble $•••.•• ••.•% $•••.•• ••.•%
FTNN Topology Relative $•••.•• ••.•% $•••.•• ••.•%
RCMH-DCF Intrinsic $•••.•• ••.•% $•••.•• ••.•%

FRAF vs FRST — Which Stock Is More Undervalued in 2026?

FRST scores higher with a 8.2/10 quality rating vs FRAF's 7.8/10. Both stocks are analyzed daily using SEC EDGAR filings across 13 independent models.

How Do FRAF and FRST Valuations Compare?

At $56.66, FRAF trades +24.3% below its Bayesian DCF fair value of $70.42, while FRST at $14.89 trades +73.4% above its estimate of $3.96. FRST shows a wider gap between price and intrinsic value.

Quality of Company: FRAF vs FRST

FRAF earns a Quality of Company score of 7.8/10 compared to FRST's 8.2/10. The scores are closely matched, indicating similar fundamental quality profiles. The QOC score synthesizes 32 signals spanning profitability margins, revenue growth, free cash flow, capital allocation, and leverage.

Value Trap Risk: FRAF vs FRST

FRAF carries a SAFE value trap risk (12/100) while FRST shows SAFE risk (12/100). Both companies show manageable value trap risk, suggesting their current valuations are not artificially depressed by fundamental deterioration.

Both in Banks - Regional

Both FRAF and FRST operate in Banks - Regional, which has 329 stocks tracked by CirclFi. Same-industry comparisons provide the most direct insight into relative valuation since both companies face similar regulatory environments, market dynamics, and competitive pressures. Both companies are analyzed with models spanning intrinsic (Bayesian DCF, EPV), scenario-based (First Chicago), regime-switching (Markov DDM, RCMH-DCF), machine learning (ML-RIV, FTNN), and ensemble methods (CUCE).

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