First Reliance Bancshares Inc (FSRL)
OTHER OTC:FSRL
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 - $16.03
Previous CloseN/A
Volume24.10K
Average Volume (3M)5.87K
Market Cap
$113.82M
Enterprise Value$148.06M
Total Cash (Recent Filing)$0.00
Total Debt (Recent Filing)$19.77M
Price to Earnings (P/E)8.1
Beta-0.04
Next Earnings
Apr 29, 2026EPS Estimate
0.32Next Dividend Ex-DateN/A
Dividend YieldN/A
Share Statistics
EPS (TTM)0.35
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 Cap1.30
Enterprise Value/Revenue2.70
Enterprise Value/Gross Profit3.02
Enterprise Value/Ebitda16.45
Forecast
1Y Price TargetN/A
Price Target UpsideN/A
Rating ConsensusN/A
Number of Analyst Covering0
EPS Forecast (FY)1.34
Revenue Forecast (FY)$50.10M
Bulls Say, Bears Say
Bulls Say
Strong 2025 Revenue Rebound And Stable MarginsSizable revenue growth with a steady net margin signals restored core banking performance and demand for loans/services. This combination supports sustainable earnings generation over the medium term, enabling reinvestment in branches/digital channels and more predictable operating cashflow if trends persist.
Improved Leverage And Stronger Capital ProfileMaterial reduction in debt-to-equity improves financial flexibility and regulatory resilience. A stronger capital base lowers funding stress risk, supports credit growth, and gives management room to absorb loan losses or pursue strategic investments without immediate capital raises.
Rebounded Cash Generation In 2025A return to positive operating and free cash flow restores internal funding capacity for lending and operations, reducing reliance on external funding. Consistent positive FCF supports dividend capacity, loan portfolio expansion, and de-risking initiatives if management sustains cash conversion.
Bears Say
Multi-year Volatility In PerformancePronounced year-to-year swings in revenue and cashflow undermine predictability for provisioning, capital planning, and lending decisions. This volatility raises the chance of surprise credit costs or funding needs during downturns, complicating long-term strategic planning.
Historical Swings In Leverage And ReturnsPast swings from high to moderate leverage indicate sensitivity to funding conditions or management responses to shocks. Such variability increases tail risk for capital ratios and could force asset sales or dilutive capital actions during stress periods, reducing long-term stability.
Earnings Sensitive To Interest Rates And Credit CyclesAs a community bank reliant on net interest income and fee services, profitability is structurally exposed to rate movements and local credit cycles. Adverse rate shifts or regional economic weakness can compress margins or increase charge-offs, making earnings cadence cyclical.
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 $16.03 in the past 12 months.
What is First Reliance Bancshares Inc’s market cap?
First Reliance Bancshares Inc’s market cap is $113.82M.
When is First Reliance Bancshares Inc’s upcoming earnings report date?
First Reliance Bancshares Inc’s upcoming earnings report date is Apr 29, 2026 which is in 15 days.
How were First Reliance Bancshares Inc’s earnings last quarter?
First Reliance Bancshares Inc released its earnings results on Jan 29, 2026. The company reported $0.35 earnings per share for the quarter, beating the consensus estimate of $0.31 by $0.04.
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 0.32.
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 $0.35 in its last earnings report, beating expectations of $0.31. Following the earnings report the stock price went up 1.971%.
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
1
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9
10
Technicals
SMA
Positive
20 days / 200 days
Momentum
23.94%
12-Months-Change
Fundamentals
Return on Equity
12.48%
Trailing 12-Months
Asset Growth
2.30%
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
4.32% Other Institutional Investors
95.56% Public Companies and
Individual Investors
Options Prices
Currently, No data available
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