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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$9.36 - $18.85
Previous CloseN/A
Volume24.10K
Average Volume (3M)5.87K
Market Cap
$152.03M
Enterprise Value$190.96
Total Cash (Recent Filing)$4.24M
Total Debt (Recent Filing)$79.79M
Price to Earnings (P/E)11.6
Beta-0.13
Next Earnings
Jul 24, 2026EPS Estimate
0.38Next Dividend Ex-DateN/A
Dividend YieldN/A
Share Statistics
EPS (TTM)1.62
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 Cap<0.01
Enterprise Value/Revenue<0.01
Enterprise Value/Gross Profit<0.01
Enterprise Value/Ebitda<0.01
Forecast
1Y Price TargetN/A
Price Target UpsideN/A
Rating ConsensusN/A
Number of Analyst Covering0
EPS Forecast (FY)1.54
Revenue Forecast (FY)$52.10M
Bulls Say, Bears Say
Bulls Say
Scale Via MergerThe definitive merger with Colony creates materially greater scale (~$5B assets), broadening deposit and loan pools and enabling cost and product synergies. Scale improves funding stability, risk diversification, and ability to compete regionally while keeping local branding and leadership continuity.
2025 Revenue ReboundA strong 2025 revenue rebound (+27.1% YoY) with steady net margin (~15.7%) points to renewed core lending and fee momentum. Durable revenue recovery supports sustainable net interest income and underwriting capacity, improving ability to invest in branches, digital channels, and risk-adjusted growth.
Stronger Balance Sheet & ROELeverage normalization (debt-to-equity ~0.43) and a higher ROE (~11.7%) reflect a healthier capital position and disciplined balance-sheet management. Improved capital cushions regulatory stress, supports lending capacity, and gives management flexibility for organic growth or targeted acquisitions.
Bears Say
Historic Financial VolatilityMulti-year swings in revenue, margins, and leverage reduce predictability of earnings and capital planning. Persistent volatility raises the probability of future earnings surprises, complicates pricing of credit risk, and undermines confidence in consistent dividend or reinvestment policies.
Uneven Cash GenerationA strong 2025 cash flow rebound follows a 2024 trough, indicating an uneven cash generation profile. Irregular operating and free cash flows constrain reliable funding for loan growth, acquisitions, or shareholder returns and increase reliance on external funding during downturns.
Merger Execution & Share Mix RiskWhile strategic, the merger introduces execution risk: integration, cultural alignment, and regulatory approval could delay expected benefits. The cash/stock election mix and equity conversion create outcomes variability for shareholders and could alter incentives or capital structure post-close.
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 $9.36 and its highest was $18.85 in the past 12 months.
What is First Reliance Bancshares Inc’s market cap?
First Reliance Bancshares Inc’s market cap is $152.03M.
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 7 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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Blogger Sentiment
Bullish
FSRL Sentiment 100%
Sector Average 64%
Sector Average 64%
Crowd Wisdom
Very Positive
Last 7 Days ▼ 1.1%
Last 30 Days ▲ 97.6%
Last 30 Days ▲ 97.6%
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. functions as the parent entity for First Reliance Bank, delivering a broad spectrum of financial products and banking services across the United States. Its offerings include a variety of deposit accounts such as checking, savings, money market, and individual retirement accounts (IRAs), as well as certificates of deposit (CDs). The company also provides insurance solutions to its clients. Regarding lending, it extends various personal financing options, including unsecured, automobile, real estate-backed, and other loans, alongside overdraft protection and home equity lines of credit (HELOCs). For its commercial customers, the firm supplies business installment loans, commercial real estate financing, overdraft protection, and business lines of credit. Mortgage lending is another significant service, complementing its debit and credit card offerings. Additionally, First Reliance Bancshares provides treasury management services, indirect dealer financing, and modern digital banking solutions accessible through online and mobile platforms, in addition to its traditional business banking services. The company was established in 1999 and is headquartered 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