Primary Bank (PRMY) Stock Analysis
For informational purposes only. Not financial advice. Analysis by Sedat ANAK, Founder & Editor-in-Chief | AI-powered analysis. Data sourced from SEC filings and institutional-grade financial providers. Editorially reviewed. Not financial advice.
Primary Bank (PRMY) trades at $35.80 with AI Score 57/100 (Grade B). Primary Bank is a regional bank providing financial services to businesses and individuals in Southern New Hampshire. Market cap: $169M, Sector: Financial services.
Price as of Aug 21, 2026 · Last analyzed: Mar 18, 2026Analyst Coverage for PRMY: PRMY does not currently have published analyst price targets in our coverage universe. This is common for smaller-cap names with limited Wall Street coverage. In the absence of analyst consensus, our AI model evaluates PRMY against Financial Services peers across nine fundamental dimensions and assigns a mixed fundamental profile based on the underlying data.
PRMY: 1/2 scored disciplines lean bullish. Dominant signal: Seth Klarman bullish.
How is this calculated? →Why this analysis is different
- A 9-signal quantitative MoonshotScore built from filings, insider activity, and market data — computed from the numbers, not from opinion.
- An AI Council read across up to eight perspectives — value, macro, quantitative, and momentum lenses — that shows where they disagree instead of averaging the tension away.
- Figures come straight from FMP and Yahoo Finance filings data. The AI writes the narrative around the numbers — it never edits the numbers.
Primary Bank (PRMY) Financial Services Profile
Primary Bank, established in 2015, serves Southern New Hampshire with a suite of financial products including deposit accounts, loans, and digital banking. Operating with a focused regional strategy and a profit margin of 26.5%, Primary Bank competes with larger regional and national banks while maintaining a community-oriented approach.
What Is the Investment Thesis for PRMY?
Primary Bank presents a focused investment opportunity within the Southern New Hampshire regional banking sector. With a market capitalization of $169M and a P/E ratio of 12.60, the bank demonstrates a profitable operation, supported by a 26.5% profit margin. Growth catalysts include expansion of its loan portfolio, particularly in commercial real estate and SBA loans, and increased adoption of its online and mobile banking services. Key value drivers are its strong local presence, personalized customer service, and efficient operations. Potential risks include competition from larger regional and national banks, interest rate fluctuations, and regulatory changes. The bank's negative beta of -0.38 suggests lower volatility compared to the market, which may appeal to risk-averse investors. However, the absence of a dividend yield may deter income-focused investors.
Based on FMP financials and quantitative analysis
PRMY Key Highlights
Market capitalization of $169M indicates a small-cap regional bank.
- P/E ratio of 12.60 suggests the bank is reasonably valued compared to its earnings.
- Profit margin of 26.5% demonstrates strong profitability and efficient operations.
- Gross margin of 67.0% reflects effective cost management in its financial service offerings.
- Beta of -0.38 indicates lower volatility compared to the overall market, potentially offering downside protection.
Who Are PRMY's Competitors?
PRMY is benchmarked below against 8 industry peers on price, market cap, and our AI MoonshotScore.
| Company | Price | Change | Market Cap | AI Score |
|---|---|---|---|---|
| ARBV American Riviera Bancorp | $30.27 | +0.93% | $174M | 48 |
| BKUTK Bank of Utica | $677.50 | -1.81% | $170M | 52 |
| CPKF Chesapeake Financial Shares, Inc. | $39.22 | -0.03% | $184M | 63 |
| KISB Kish Bancorp, Inc. | $72.50 | +0.71% | $220M | 63 |
| PBNC PB Financial Corporation | $69.24 | +0.00% | $209M | 53 |
| HWBK Hawthorn Bancshares, Inc. | $39.44 | +0.19% | $272M | 92 |
| FRAF Franklin Financial Services Corporation | $62.10 | +0.40% | $279M | 92 |
| FUNC First United Corporation | $43.35 | -0.55% | $280M | 92 |
AI Score by Stock Expert AI · Price data: FMP / Yahoo Finance
What Are PRMY's Key Strengths?
Strong local presence in Southern New Hampshire.
- Personalized customer service.
- Experienced management team.
- Solid financial performance.
What Are PRMY's Weaknesses?
Limited geographic diversification.
- Smaller scale compared to larger regional banks.
- Dependence on the local economy.
- Lack of dividend may deter some investors.
What Could Drive PRMY Stock Higher?
PRMY catalyst: Expansion of the loan portfolio, particularly in commercial real estate and SBA loans, driving revenue growth.
- Increased adoption of online and mobile banking services, improving customer satisfaction and reducing operational costs.
- Potential strategic partnerships with local businesses, expanding the customer base and service offerings.
- Continued focus on community engagement and relationship building, enhancing brand reputation and customer loyalty.
What Are the Key Risks for PRMY?
Competition from larger regional and national banks with greater resources and broader service offerings.
- Interest rate fluctuations impacting net interest margin and profitability.
- Regulatory changes increasing compliance costs and operational complexity.
- Economic downturn in Southern New Hampshire affecting loan demand and credit quality.
- Risks associated with operating on the OTC market.
What Are the Growth Opportunities for PRMY?
- Expansion of SBA Lending: Primary Bank can capitalize on the demand for SBA loans among small businesses in Southern New Hampshire. The SBA lending market is projected to grow as small businesses seek access to capital for expansion and operations. By increasing its SBA lending portfolio, Primary Bank can generate higher interest income and strengthen its relationships with local businesses. This strategy aligns with the bank's community-focused approach and supports economic development in the region. Timeline: Ongoing.
- Increased Adoption of Digital Banking Services: Primary Bank can drive growth by promoting its online and mobile banking services. As customers increasingly prefer digital channels for their banking needs, Primary Bank can attract and retain customers by offering a seamless and user-friendly digital experience. This includes enhancing its mobile app, expanding online banking features, and providing digital customer support. Increased digital adoption can also reduce operational costs and improve efficiency. Timeline: Ongoing.
- Commercial Real Estate Lending Growth: Primary Bank can expand its commercial real estate lending portfolio to capitalize on the demand for commercial properties in Southern New Hampshire. As the local economy grows, businesses require more office space, retail locations, and industrial facilities. By providing financing for commercial real estate projects, Primary Bank can generate significant interest income and support economic development in the region. This strategy requires careful risk management and due diligence. Timeline: Ongoing.
- Strategic Branch Expansion: Primary Bank can consider expanding its branch network to new locations within Southern New Hampshire. By opening new branches in underserved areas, the bank can reach new customers and increase its market share. This strategy requires careful market analysis and site selection to ensure profitability. New branches can also serve as hubs for community engagement and relationship building. Timeline: Upcoming.
- Partnerships with Local Businesses: Primary Bank can form strategic partnerships with local businesses to offer bundled financial services and cross-promotional opportunities. By partnering with real estate agents, insurance brokers, and other service providers, Primary Bank can reach new customers and provide value-added services. These partnerships can also enhance the bank's reputation and strengthen its ties to the community. Timeline: Ongoing.
What Are PRMY's Competitive Advantages?
- Strong local presence and brand recognition in Southern New Hampshire.
- Personalized customer service and relationship-based banking.
- Deep understanding of the local market and economy.
- Efficient operations and cost management.
What Does PRMY Do?
Primary Bank, established in 2015, is a community-focused bank providing financial services to businesses and individuals in Southern New Hampshire. The bank was founded with the vision of offering personalized banking solutions and fostering economic growth within its local communities. Starting with its headquarters in Bedford, New Hampshire, Primary Bank has expanded to operate four branches located in Bedford, Manchester, Derry, and Nashua. The bank's core offerings include a variety of deposit accounts such as checking, savings, money market, health savings, and individual retirement accounts, as well as certificates of deposit. To support local businesses, Primary Bank provides SBA loans, working capital and equipment lines of credit, commercial real estate loans, commercial construction loans, acquisition and development loans, residential sub-division loans, non-owner occupied multi-family loans and 1-4 family loans, business term loans, guaranteed loans, and letters of credit. Additionally, Primary Bank offers cash management, remote deposit, lockbox, debit card/ATM, credit card, merchant, and online and mobile banking services to cater to the evolving needs of its customers. Primary Bank differentiates itself through its commitment to customer service and its deep understanding of the local market, allowing it to provide tailored financial solutions.
What Products and Services Does PRMY Offer?
- Provides checking and savings accounts to individuals and businesses.
- Offers money market, health savings, and individual retirement accounts.
- Provides certificates of deposit with varying terms.
- Offers SBA loans to support small business growth.
- Provides commercial real estate and construction loans.
- Offers residential mortgage loans.
- Provides cash management and remote deposit services.
- Offers online and mobile banking services.
How Does PRMY Make Money?
- Generates revenue through interest income from loans.
- Earns fees from deposit accounts and other services.
- Manages risk through careful underwriting and diversification of its loan portfolio.
- Focuses on building long-term relationships with customers in Southern New Hampshire.
What Industry Does PRMY Operate In?
Primary Bank operates within the regional banking sector, which is characterized by increasing competition from larger national banks and fintech companies. The industry is also subject to stringent regulatory requirements and interest rate sensitivity. Market trends include a growing demand for digital banking services and personalized financial solutions. Primary Bank's focus on Southern New Hampshire allows it to cater to the specific needs of local businesses and individuals, differentiating it from larger competitors. The regional banking sector is expected to grow modestly, driven by economic growth in local markets and increased lending activity.
Who Are PRMY's Key Customers?
- Small to medium-sized businesses in Southern New Hampshire.
- Individuals and families residing in Southern New Hampshire.
- Real estate developers and investors in the region.
- Non-profit organizations and community groups.
Company Profile
Primary Bank operates in the Banks - Regional industry within the Financial Services sector. It is headquartered in Bedford, US. The company is led by CEO Crystal A. Dionne. PRMY has traded publicly since 2016.
Primary Bank (PRMY) Valuation Context
Valued at $169M, PRMY is classified as a micro-cap stock. Relative to its peer group, PRMY's quantitative score of 57/100 is roughly in line with the peer average of 56/100.
Key Financial Metrics
Return on equity for Primary Bank stands at 10.9%, a gauge of how efficiently it converts shareholder capital into profit. Return on assets is 1.6%, showing how much profit it generates from its asset base. PRMY trades at a trailing price-to-earnings ratio of 12.24, below the Financial Services sector average of ~18x. Its free cash flow yield is 7.6%, a gauge of the cash the business throws off relative to its market value. A current ratio of 0.11 means current liabilities exceed short-term assets, a liquidity point worth watching. Its earnings yield is 8.2%, the inverse of the P/E and a quick read on earnings relative to price.
PRMY Financials
Fundamental Snapshot
Based on FMP financials and quantitative analysis · FY 2025
Bull Case vs Bear Case
Bull Case
- Strong local presence in Southern New Hampshire.
- Personalized customer service.
- Experienced management team.
- Solid financial performance.
Bear Case
- Limited geographic diversification.
- Smaller scale compared to larger regional banks.
- Dependence on the local economy.
- Lack of dividend may deter some investors.
AI-generated arguments based on insider flow, news sentiment and technicals — not financial advice · August 2026
PRMY Latest News
No recent news available for PRMY.
PRMY Analyst Consensus
Consensus Rating
Aggregated Buy/Hold/Sell recommendations from Benzinga, Yahoo Finance, and Finnhub for PRMY.
Price Targets
Wall Street price target analysis for PRMY.
PRMY MoonshotScore
What does this score mean?
The MoonshotScore rates PRMY 0-100 on quantitative fundamentals — growth, financial health, valuation, momentum, and risk.
Leadership: Crystal A. Dionne
CEO
Crystal A. Dionne is the Chief Executive Officer of Primary Bank. Her career spans over two decades in the banking industry, with a focus on community banking and financial management. Prior to joining Primary Bank, she held leadership positions at several regional banks, where she oversaw various aspects of operations, including lending, customer service, and risk management. She holds a degree in Business Administration and is actively involved in community development initiatives.
Track Record: Since assuming the role of CEO at Primary Bank, Crystal A. Dionne has focused on expanding the bank's loan portfolio and enhancing its digital banking capabilities. She has also overseen the opening of new branches and the implementation of customer service improvements. Under her leadership, Primary Bank has achieved consistent profitability and growth, while maintaining a strong commitment to its local communities.
PRMY OTC Market Information
The OTC Other tier represents the lowest tier of the OTC market, indicating that Primary Bank may not meet the minimum financial standards or disclosure requirements for higher tiers like OTCQX or OTCQB. Companies in this tier may have limited financial reporting and may not be subject to the same level of regulatory oversight as companies listed on major exchanges like the NYSE or NASDAQ. This tier often includes companies that are distressed, in bankruptcy, or have chosen not to comply with higher reporting standards, leading to increased risks for investors.
- OTC Tier: OTC Other
- Limited financial disclosure increases the risk of investing in PRMY.
- Low trading volume and wide bid-ask spreads can lead to price volatility.
- OTC Other tier companies are subject to less regulatory oversight.
- Potential for price manipulation due to low liquidity.
- Risk of delisting or suspension from the OTC market.
- Verify the availability and accuracy of financial statements.
- Assess the company's business model and competitive landscape.
- Evaluate the management team's experience and track record.
- Understand the company's regulatory environment and compliance requirements.
- Review the company's capitalization structure and ownership.
- Monitor trading volume and price activity for signs of manipulation.
- Consult with a qualified financial advisor before investing.
- Established business operations with a history of serving the local community.
- Physical branch locations in Southern New Hampshire.
- Positive customer reviews and testimonials.
- Active participation in local community events.
- Compliance with banking regulations and licensing requirements.
Common Questions About PRMY (Financial Services)
What does the AI Score mean for PRMY?
PRMY holds an AI Score of 57/100 (Grade: B). This is an educational research signal, not a buy or sell recommendation. Primary Bank is a regional bank providing financial services to businesses and individuals in Southern New Hampshire. Founded in 2015, it operates four branches and offers a range of deposit …
What does Primary Bank do?
Primary Bank provides a comprehensive suite of financial services to individuals and businesses in Southern New Hampshire. Its core business revolves around taking deposits and originating loans. The bank offers various deposit accounts, including checking, savings, and money market accounts, as well as certificates of deposit.
What do analysts say about PRMY stock?
As of 2026-03-18, there is no readily available analyst coverage or consensus for Primary Bank (PRMY) due to its OTC listing and limited institutional following. Key valuation metrics include a P/E ratio of 12.60 and a profit margin of 26.5%.
What are the main risks for PRMY?
Primary Bank faces several risks inherent to the regional banking sector, compounded by its OTC listing. Competition from larger banks with greater resources poses a significant challenge. Interest rate fluctuations can impact the bank's net interest margin and profitability. Regulatory changes may increase compliance costs and operational complexity.
What are the key factors to evaluate for PRMY?
Primary Bank (PRMY) holds an AI score of 57/100 (moderate). Primary Bank presents a focused investment opportunity within the Southern New Hampshire regional banking sector. Not financial advice.
How frequently does PRMY data refresh on this page?
PRMY's price was last updated on Aug 21, 2026 and refreshes on page view during U.S. market hours — it is not a real-time exchange feed. Fundamentals update after quarterly filings; the MoonshotScore recalculates nightly; news aggregates continuously.
What has driven PRMY's recent stock price performance?
Primary Bank (PRMY) moves on earnings results, analyst revisions, sector rotation, and market sentiment. Notable catalyst: Strong local presence in Southern New Hampshire. See the News tab for the latest drivers. Past performance does not predict future results.
Should investors consider PRMY overvalued or undervalued right now?
Primary Bank (PRMY) has no trailing P/E available here, so lean on price-to-sales and cash flow in the Financials tab. Compare P/E, P/S, and EV/EBITDA against sector peers for a full view.
How do I research PRMY before investing?
Before investing in Primary Bank (PRMY), research these four areas: (1) the company's revenue model and competitive position (see Company Overview), (2) financial health through revenue growth, margins, and cash flow (see MoonshotScore), (3) analyst consensus ratings and price targets (see Analyst tab), and (4) specific risk factors that could impact the stock (see Risk Factors section).
Disclaimer: This content is for informational purposes only and does not constitute investment advice. Always do your own research and consult a financial advisor.
Official Resources
Data provided for informational purposes only.
- Information is based on available data and may be subject to change.
- OTC market data may be limited and less reliable than exchange-listed data.
- AI analysis pending for PRMY.