First Reliance Bancshares (FSRL) AI Stock Analysis

• Market Cap: $113.82M
• Dividend Yield: N/A
• Average Volume (3M): 5.87K
• Price to Earnings (P/E): 8.1
• Beta (1Y): -0.04
• Revenue Growth: 12.83%
• EPS Growth: 53.09%
• Country: US
• Employees: 170
• Sector: Financial
• Sector Strength: 70
• Industry: Banks - Regional
• EPS (TTM): 0.35
• Shares Outstanding: 8,130,000
• 10 Day Avg. Volume: 10,118
• 30 Day Avg. Volume: 5,867
• PEG Ratio: 0.10
• Price to Book (P/B): 1.03
• Price to Sales (P/S): 1.38
• P/FCF Ratio: 7.30
• Enterprise Value/Market Cap: 1.31
• Enterprise Value/Revenue: 2.73
• Enterprise Value/Gross Profit: 3.05
• Enterprise Value/Ebitda: 16.62
• 1Y Price Target: N/A
• Price Target Upside: N/A
• Rating Consensus: N/A
• Number of Analyst Covering: 0
• EPS Forecast (FY): 1.34
• Revenue Forecast (FY): $50.10M

• Rating: 63 Neutral
• Price Target: $15.00 ▲(17.92% Upside)
• Action: Reiterated Date: 03/31/26
• Date: Action: Reiterated 03/31/26

The score is driven primarily by improved 2025 financial performance but tempered by historical volatility and only moderate cash-flow predictability. Technical indicators point to weak near-term momentum, while the low P/E provides valuation support.

Positive Factors

Strong 2025 revenue rebound and stable margins

Sizable 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.

Negative Factors

Multi-year volatility in performance

Pronounced 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.

First Reliance Bancshares Business Overview & Revenue Model

Company Description

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; ...

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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; ...

How the Company Makes Money

First Reliance Bancshares makes money primarily through its banking subsidiary by (1) earning net interest income and (2) generating noninterest income. Net interest income is the largest driver for most community banks and comes from the spread b...

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First Reliance Bancshares makes money primarily through its banking subsidiary by (1) earning net interest income and (2) generating noninterest income. Net interest income is the largest driver for most community banks and comes from the spread b...

First Reliance Bancshares Financial Statement Overview

Breakdown	TTM	Dec 2025	Dec 2024	Dec 2023	Dec 2022	Dec 2021
Income Statement
Total Revenue	54.80M	69.64M	39.26M	51.91M	42.16M	40.86M
Gross Profit	49.08M	48.85M	39.26M	36.49M	39.00M	38.84M
EBITDA	9.00M	13.99M	0.00	7.01M	8.78M	7.46M
Net Income	8.01M	10.91M	5.92M	4.60M	5.93M	5.28M
Balance Sheet
Total Assets	1.10B	1.09B	1.07B	975.77M	938.64M	912.18M
Cash, Cash Equivalents and Short-Term Investments	0.00	0.00	47.23M	21.94M	34.06M	150.12M
Total Debt	19.77M	39.79M	25.75M	36.62M	69.26M	53.81M
Total Liabilities	1.02B	1.00B	989.35M	904.37M	875.34M	841.38M
Stockholders Equity	85.90M	93.07M	77.76M	71.40M	63.30M	70.80M
Cash Flow
Free Cash Flow	0.00	13.19M	-9.49M	8.88M	24.20M	34.36M
Operating Cash Flow	0.00	17.96M	-8.93M	9.51M	25.35M	39.54M
Investing Cash Flow	0.00	-44.20M	-52.10M	-49.06M	-175.44M	-183.61M
Financing Cash Flow	0.00	11.15M	86.31M	27.69M	33.77M	195.50M

First Reliance Bancshares Technical Analysis

• Technical Analysis Sentiment: Negative
• Last Price: 12.72
• 50DMA: Negative
• 100DMA: Positive
• 200DMA: Positive
• MACD: Negative
• RSI: Neutral
• STOCH: Neutral

Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For FSRL, the sentiment is Negative. The current price of 12.72 is below the 20-day moving average (MA) of 13.95, below the 50-day MA of 14.41, and above the 200-day MA of 11.73, indicating a neutral trend. The MACD of -0.15 indicates Negative momentum. The RSI at 40.99 is Neutral, neither overbought nor oversold. The STOCH value of 79.26 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Negative sentiment for FSRL.

First Reliance Bancshares Peers Comparison

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
SSBI	68 Neutral	$90.60M	11.51	6.89%	―	-0.81%	-129.22%
Sector *	68 Neutral	$18.00B	11.42	9.92%	3.81%	9.73%	1.22%
AUBN	66 Neutral	$83.88M	12.98	8.27%	4.16%	24.17%	739.42%
UBCP	66 Neutral	$89.98M	10.25	12.01%	6.51%	6.31%	-5.00%
FSRL	63 Neutral	$113.82M	8.11	12.48%	―	12.83%	53.09%