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Primary Bank (PRMY) Fair Value & Analysis

Financial Services · US · Market cap $142M

Price$29.89
Fair Value$31.32
Upside+4.8%
Quality95/100
Evidence: High Range $23.49 – $39.15

Fair value as of: Jun 26, 2026

Analysis

Primary Bank (PRMY) currently trades at $29.89, while our model-based Fair Value estimate is $31.32 — implying the stock looks roughly 4.8% undervalued today. We read business quality at 95/100 (high quality), in the Financial Services sector. Bull case: trading below our estimate, it may offer upside if the fundamentals hold. Bear case: a low price can be a value trap when quality is weak or the data is thin (evidence: high) — always confirm before acting.

About the company

Primary Bank provides financial services to small and medium-sized businesses in New Hampshire, the United States. The company offers checking, savings, money market, health savings, and individual retirement accounts, as well as certificates of deposit. It also provides commercial lending solutions, including SBA loans, working capital and equipment and construction lines of credit, commercial real estate and construction loans, acquisition and development loans, land loans, residential sub-division loans, non-owner-occupied multi-family and 1-4 family loans, business term loans, guaranteed loans, and letters of credit. In addition, the company offers cash management, remote deposit, lockbox, debit cards, credit cards, merchant, and internet and mobile banking services. Primary Bank was incorporated in 2015 and is based in Bedford, New Hampshire.

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Frequently asked questions

Is Primary Bank (PRMY) undervalued?
As of Jun 26, 2026, our model estimates a fair value of $31.32 versus a price of $29.89 — about +5% (undervalued). Model-based estimate, not financial advice.
What is the fair value of PRMY?
Our 21-model fair value for Primary Bank is $31.32 (as of Jun 26, 2026), built from audited fundamentals. The current price is $29.89.
What is the quality score of PRMY?
Primary Bank has a Quality Score of 95/100, measuring profitability, growth and balance-sheet strength from non-valuation factors.

How we calculate Fair Value

Each company is valued through a stack of independent intrinsic-value models (DCF variants, residual-income, multiples and more), blended into one family-balanced consensus and weighted by how much trustworthy data backs it. A separate quality layer scores the fundamentals. Every input is real reported data — nothing guessed.

Educational research only · not financial advice · no buy/sell recommendation. Model-based estimates are not certainties; their reliability depends on data quality and assumptions.