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investor_presentation
Format: PDF investor_presentation
Primis Financial investor presentation dated January 2023.
NASDAQ: FRSTThis Presentation and certain of our other filings with the Securities and Exchange Commission contain statements that constitute “forward -looking sta tements” within the
meaning of, and subject to the protections of, Section 27A of the Securities Act of 1933, as amended, and Section 21E of the Securities Exchange Act of 1934, as
amended. All statements other than statements of historical fact are forward -looking statements. Such statements can generally b e identified by such words as "may,"
"plan," "contemplate," "anticipate," "believe," "intend," "continue," "expect," "project," "predict," "estimate," "could," "s hould," "would," "will," and other similar words or
expressions of the future or otherwise regarding the outlook for the Company’s future business and financial performance and/ or the performance of the banking industry
and economy in general. These forward -looking statements include, but are not limited to, our expectations regarding our future operating and financial performance,
including our outlook and long -term goals for future growth and new offerings and services; our expectations regarding net inter est margin; expectations on our growth
strategy, expense management, capital management and future profitability; expectations on credit quality and performance; an d the assumptions underlying our
Prospective investors are cautioned that any such forward -looking statements are not guarantees of future performance and involv e known and unknown risks and
uncertainties which may cause the actual results, performance or achievements of the Company to be materially different from thefuture results, performance or
achievements expressed or implied by such forward -looking statements. Forward -looking statements are based on the information kn own to, and current beliefs and
expectations of, the Company’s management and are subject to significant risks and uncertainties. Actual results may differ m aterially from those contemplated by such
forward -looking statements. Factors that might cause such differences include, but are not limited to: the Company’s ability to implement its various strategic and growth
initiatives, including its recently established Panacea Financial and Life Premium Finance Divisions, new digital banking platform, V1BE fulfillment service and Primis
Mortgage Company; competitive pressures among financial institutions increasing significantly; changes in applicable laws, ru les, or regulations, including changes to
statutes, regulations or regulatory policies or practices; changes in management’s plans for the future; credit risk associat ed with our lending activities; changes in interest
rates, inflation, loan demand, real estate values, or competition, as well as labor shortages and supply chain disruptions; c hanges in accounting principles, policies, or
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