First Reliance Bancshares Inc (FSRL)
OTHER OTC:FSRL
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FSRL Stock Chart & Stats
$12.72
$0.15(1.59%)
At close: 4:00 PM EST
$12.72
$0.15(1.59%)
Day’s Range― - ―
52-Week Range$9.00 - $17.00
Previous CloseN/A
Volume24.10K
Average Volume (3M)5.87K
Market Cap
$118.29M
Enterprise Value$190.01M
Total Cash (Recent Filing)$0.00
Total Debt (Recent Filing)$19.77M
Price to Earnings (P/E)9.0
Beta-0.03
Next Earnings
Jul 24, 2026EPS Estimate
0.38Next Dividend Ex-DateN/A
Dividend YieldN/A
Share Statistics
EPS (TTM)1.01
Shares Outstanding8,130,000
10 Day Avg. Volume10,118
30 Day Avg. Volume5,867
Financial Highlights & Ratios
PEG Ratio0.10
Price to Book (P/B)1.03
Price to Sales (P/S)1.38
P/FCF Ratio7.30
Enterprise Value/Market Cap1.61
Enterprise Value/Revenue3.47
Enterprise Value/Gross Profit3.87
Enterprise Value/Ebitda21.11
Forecast
1Y Price TargetN/A
Price Target UpsideN/A
Rating ConsensusN/A
Number of Analyst Covering0
EPS Forecast (FY)1.34
Revenue Forecast (FY)$50.60M
Bulls Say, Bears Say
Bulls Say
Revenue Growth ReboundA strong 27.1% revenue rebound in 2025 indicates recovering loan originations and fee activity, increasing core banking scale. Durable top-line growth supports net interest income expansion, funds reinvestment in branches/digital, and improves medium-term earnings power if maintained.
Improved Balance Sheet LeverageA materially lower debt-to-equity (~0.43) and equity growth strengthen solvency and regulatory buffers. This improvement enhances capacity to absorb credit losses, fund organic loan growth, and pursue strategic investments with less reliance on costly external financing over the medium term.
Sustained ProfitabilityStable net margin (~15.7%) and ~20.1% operating profitability show resilient core economics, supporting consistent cash generation. Sustainable margins give management flexibility to price loans competitively, build reserves, and maintain ROE across cycles, aiding long-term earnings durability.
Bears Say
Multi-year VolatilityHistoric swings in revenue and earnings reduce predictability of future results. Volatility complicates capital planning, stress testing, and provisioning, increasing the chance of earnings reversals in adverse conditions and making medium-term performance harder to underwrite reliably.
Uneven Cash GenerationOperating cash flow turned positive in 2025 (~$18.0M) after negative flows in 2024, and FCF reached ~$13.2M, highlighting inconsistency. Irregular cash conversion weakens ability to consistently fund dividends, debt service, or loan growth without raising capital in stress periods.
Variable Leverage And ReturnsSignificant historical swings in leverage and ROE signal sensitivity to funding and credit cycles. Such variability can prompt regulatory scrutiny, necessitate opportunistic capital raises, or constrain lending when management prioritizes ratio preservation, limiting strategic flexibility.
First Reliance Bancshares News
FSRL FAQ
What was First Reliance Bancshares Inc’s price range in the past 12 months?
First Reliance Bancshares Inc lowest stock price was $9.00 and its highest was $17.00 in the past 12 months.
What is First Reliance Bancshares Inc’s market cap?
First Reliance Bancshares Inc’s market cap is $118.29M.
When is First Reliance Bancshares Inc’s upcoming earnings report date?
First Reliance Bancshares Inc’s upcoming earnings report date is Jul 24, 2026 which is in 48 days.
How were First Reliance Bancshares Inc’s earnings last quarter?
First Reliance Bancshares Inc released its earnings results on Apr 20, 2026. The company reported $0.39 earnings per share for the quarter, beating the consensus estimate of $0.32 by $0.07.
Is First Reliance Bancshares Inc overvalued?
According to Wall Street analysts First Reliance Bancshares Inc’s price is currently Overvalued.
Does First Reliance Bancshares Inc pay dividends?
First Reliance Bancshares Inc does not currently pay dividends.
What is First Reliance Bancshares Inc’s EPS estimate?
First Reliance Bancshares Inc’s EPS estimate is 0.38.
How many shares outstanding does First Reliance Bancshares Inc have?
First Reliance Bancshares Inc has 8,130,000 shares outstanding.
What happened to First Reliance Bancshares Inc’s price movement after its last earnings report?
First Reliance Bancshares Inc reported an EPS of $0.39 in its last earnings report, beating expectations of $0.32. Following the earnings report the stock price went same 0%.
Which hedge fund is a major shareholder of First Reliance Bancshares Inc?
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
First Reliance Bancshares Stock Smart Score
Neutral
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10
Technicals
SMA
Positive
20 days / 200 days
Momentum
23.94%
12-Months-Change
Fundamentals
Return on Equity
13.97%
Trailing 12-Months
Asset Growth
1.91%
Trailing 12-Months
Company Description
First Reliance Bancshares Inc
First Reliance Bancshares, Inc. operates as the bank holding company for First Reliance Bank that provides banking products and services in the United States. The company offers checking, savings, money market, and individual retirement accounts; certificates of deposit; and insurance products. It also provides personal loans, including unsecured, auto, real estate, overdraft protection, and other loans, as well as home equity line of credit; business loans, such as business installment, commercial real estate, and overdraft protection loans, as well as business lines of credit; mortgage loans; and debit and credit card services. In addition, the company offers treasury; indirect dealer; online, mobile, and business banking; and other services. First Reliance Bancshares, Inc. was founded in 1999 and is based in Florence, South Carolina.
Technical Analysis
Ownership Overview
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Insiders
0.12% Mutual Funds
4.20% Other Institutional Investors
95.68% Public Companies and
Individual Investors
Options Prices
Currently, No data available
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