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First Reliance Bancshares (FSRL) Stock Price & Analysis

FSRL Stock Chart & Stats

$19.46$0.00(0.00%)
At close: 3:59 PM EDT
$19$19.5$203 Aug17 Aug31 Aug14 Sep28 Sep12 Oct26 Oct
Day’s Range
$19.37 - $19.50
52-Week Range
$10.90 - $20.12
Previous Close
$19.49
Volume
N/A
Average Volume (3M)
7,635
Market Cap
$153.57M
Enterprise Value
$234.62M
Total Cash (Recent Filing)
$4.04M
Total Debt (Recent Filing)
$94.80M
Price to Earnings (P/E)
12.7
Beta
-0.07
Next Earnings
Jan 28, 2027 (Est.)
EPS Estimate
N/A
Next Dividend Ex-Date
N/A
Dividend Yield
N/A

Bulls Say, Bears Say

Bulls Say

2025 Revenue And Profitability Rebound

The sharp 2025 revenue rebound, combined with maintained net margins and solid operating profitability, indicates improved earnings capacity across the bank's lending and fee-based activities. If sustained, this recovery can support capital formation and continued investment in customer and banking services.

Improved Balance-sheet Leverage

Lower leverage and growing equity provide a stronger financial foundation for a regional bank, improving resilience and flexibility in capital allocation. The 2025 position should better support lending activity and help the company absorb changes in credit or funding conditions.

Regulatory Approvals For Proposed Consolidation

Obtaining all regulatory approvals removes a major hurdle to the proposed combination with Colony Bankcorp. If remaining shareholder and closing conditions are satisfied, the transaction could create a broader platform and may enhance the strategic resources available to the business.

Bears Say

Earnings And Margin Volatility

The 2025 improvement has not yet established a consistently stable earnings pattern because revenue and operating margins have moved unevenly across periods. Such volatility makes future profitability less predictable and can complicate planning, capital formation, and lending decisions.

Uneven Cash-flow Quality

The return to positive operating and free cash flow is encouraging, but the sharp reversal from negative 2024 figures shows that cash generation has been inconsistent. Moderate predictability may constrain confidence in internally funded growth and reduce flexibility during weaker periods.

Consolidation Remains Subject To Closing Conditions

Although regulatory approvals are complete, the proposed consolidation is not yet certain because both shareholder votes and other customary conditions remain outstanding. Failure or delay in completing the transaction could prevent the company from realizing the expected strategic benefits.

First Reliance Bancshares News

FSRL FAQ

What was First Reliance Bancshares’s price range in the past 12 months?
First Reliance Bancshares lowest stock price was $10.90 and its highest was $20.12 in the past 12 months.
What is First Reliance Bancshares’s market cap?
First Reliance Bancshares’s market cap is $153.57M.
When is First Reliance Bancshares’s upcoming earnings report date?
The company’s upcoming earnings report date is not yet available.
How were First Reliance Bancshares’s earnings last quarter?
First Reliance Bancshares released its earnings results on Oct 28, 2026. The company reported $0.36 earnings per share for the quarter, missing the consensus estimate of $0.393 by -$0.033.
Is First Reliance Bancshares overvalued?
Not enough analysts have published a price target to calculate whether the price is overvalued.
Does First Reliance Bancshares pay dividends?
First Reliance Bancshares does not currently pay dividends.
What is First Reliance Bancshares’s EPS estimate?
First Reliance Bancshares’s EPS estimate for its next earnings report is not yet available.
How many shares outstanding does First Reliance Bancshares have?
First Reliance Bancshares has 7,891,723 shares outstanding.
What happened to First Reliance Bancshares’s price movement after its last earnings report?
First Reliance Bancshares reported an EPS of $0.36 in its last earnings report, missing expectations of $0.393. Following the earnings report the stock price went up 1.722%.
Which hedge fund is a major shareholder of First Reliance Bancshares?
Currently, no hedge funds are holding shares in FSRL
What is the TipRanks Smart Score and how is it calculated?
Smart Score combines eight research factors - such as analyst recommendations, hedge fund trends, and technical indicators - to measure a stock’s outlook. These signals are unified into a single score that reflects bullish or bearish momentum. See detailed methodology