1. United States of America Stocks

  2. •

    Financial Services

  3. •

    Banks - Regional
First Reliance Bancshares, Inc.

First Reliance Bancshares, Inc.

FSRL
First Reliance Bancshares, Inc.US flagOther OTC
18.90
USD
-0.09
- -
149.18MMarket Cap
First Reliance Bancshares, Inc.
FSRL
(Other OTC)

Recent

price

18.90

P/E

ratio

- -

div

yld

- -

ROIC.AI

2010
2011
2012
2013
2014
2015
2016
2017
2018
2019
2020
2021
2022
2023
2024
2025
TTM
FRC
5.38
5.25
5.1
3.88
3.94
4.29
5.07
4.17
3.73
3.86
5.97
5.01
5.01
4.66
- -
5.99
4.02
Revenue per Share
-0.33
-2.53
-0.18
-2.03
0.69
1.64
0.58
-0.13
0.31
0.52
1.34
0.68
0.76
0.59
- -
1.39
0.7
Basic EPS, GAAP
2.23
0.68
0.1
1.2
0.74
-1.12
1.14
-0.34
-0.56
-1.64
4.21
4.43
3.11
1.14
- -
1.68
0.74
Free Cash Flow per Basic Share
0.24
0.18
- -
- -
- -
1.09
0.21
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Dividend per Share
1.03
-1.53
-1.51
-3.35
-2.17
-0.27
0.52
0.3
0.53
1.03
2.37
3.11
3.86
4.33
- -
6.45
-2.19
Book Value per Share
7.81
5.63
5.62
3.77
4.43
5.18
5.06
7.47
5.4
5.65
7.03
7.2
6.69
7.54
- -
9.9
4.47
Tangible Book Value per Share
4
4
4
4
5
4
4
5
8
8
8
8
8
8
- -
8
5
Basic Weighted Avg Shares
21
22
21
17
18
19
22
23
29
31
47
39
39
36
40
47
18
Sales/Revenue/Turnover
-7.5
- -
1.35
-38.04
7.29
12.91
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
5.95
Operating Margin (%)
1
1
1
1
1
1
1
1
1
1
1
1
1
1
1
1
1
Depreciation Expense
- -
-9
- -
-8
4
9
4
-1
2
4
11
5
6
5
6
11
4
Net Income, GAAP
- -
- -
2.39
- -
- -
- -
33.84
123.55
23.38
23.46
23.6
17.65
21.66
20.81
22.68
22.03
34.75
Effective Tax Rate (%)
-0.7
-43.59
1.32
-46.43
24.22
45.75
15.65
-3.03
8.41
13.33
22.46
13.59
15.21
12.61
14.66
23.19
24.02
Profit Margin (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Working Capital
23
23
21
33
35
20
30
37
35
64
36
42
62
36
31
44
35
LT Debt
49
41
41
32
36
40
27
50
52
57
69
71
63
71
78
93
36
Total Equity
- -
- -
0.43
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Return on Invested Capital (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Return on Capital (%)
-27.39
- -
- -
- -
- -
- -
- -
-34.8
84.68
66.68
78.72
24.62
21.94
14.42
16.1
24.12
- -
Return on Common Equity (%)

Capital Structure

FRC

•

in mil. unless spec.
Jun'14
Sep'14
Dec'14
ST Debt
- -
- -
- -
LT Borrowings
27
27
35
LT Finance Leases
- -
- -
- -
Preferred Equity and Hybrid Capital
16
16
16
Shares Outstanding
5
5
5
Market Capitalization
9
13
15

Working Capital

FRC

•

in mil. unless spec.
Jun'14
Sep'14
Dec'14
Total Current Assets
- -
- -
- -
Cash, Cash Equivalents & STI
29
25
23
Accounts Receivable, Net
1
1
1
Inventories
- -
- -
- -
Total Current Liabilities
- -
- -
- -
Payables & Accruals
1
1
1
ST Debt
- -
- -
- -
Deferred Revenue
- -
- -
- -

Growth Rates

FRC

•

in mil. unless spec.

(avg. rate of change)

10 years
5 years
1 year
Total Equity
12.2%
6.76%
19.69%
Free Cash Flow
-89.48%
-107.12%
-238.97%
Net Income, GAAP
-35.17%
10.5%
84.14%
Sales/Revenue/Turnover
10.85%
0.65%
16.43%
Total Cash Common Dividend
- -
- -
- -

Quarterly Revenue

FRC

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
11
- -
- -
- -
40
2025
11
12
- -
- -
47
2026
13
- -
- -
- -
- -

Quarterly Earnings Per Share

FRC

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
0.12
- -
- -
- -
- -
2025
0.21
0.38
- -
- -
1.39
2026
0.44
- -
- -
- -
- -

Quarterly Dividends Per Share

FRC

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
- -
- -
- -
- -
- -
2025
- -
- -
- -
- -
- -
2026
- -
- -
- -
- -
- -
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Business
First Reliance Bancshares, Inc. operates as the bank holding company for First Reliance Bank, primarily providing banking products and services in South Carolina. The company offers a comprehensive suite of personal financial products including unsecured personal loans, auto loans, real estate loans, overdraft protection, home equity lines of credit, and other loan products. It also provides a range of business lending solutions such as business installment loans, commercial real estate loans, business overdraft protection loans, and business lines of credit. In addition, the company offers deposit products including checking, savings, money market accounts, Christmas and vacation club accounts, individual retirement accounts, and certificates of deposit. Other services include mortgage products, debit and credit card services, treasury services, online and mobile banking, business bill pay, and e-fraud prevention. Headquartered in Florence, South Carolina, First Reliance Bancshares was founded in 1999 and targets both retail and commercial customers within its regional market. Recent major changes include the strategic sale of two North Carolina bank branches to Carter Bank, completed in 2025, which generated a gain of $2.3 million and supports the company’s focus on core South Carolina markets. The company has experienced strong financial performance with notable growth in net income, net interest income, and asset quality. Metrics such as net interest margin improved to 3.53% by mid-2025, loans held for investment grew over 16% annualized to $784.5 million, and total deposits increased to nearly $979 million. Additionally, First Reliance Bancshares has implemented a $3 million stock repurchase program authorized through June 2026, reflecting confidence in its ongoing operational performance. The company continues to emphasize organic growth within South Carolina, enhance its digital banking capabilities, and maintain strong asset quality with nonperforming assets remaining very low. Overall, First Reliance Bancshares operates as a regional financial institution focusing on diversified loan and deposit products, mortgage services, and treasury management primarily in South Carolina. Its recent strategic divestiture of out-of-state branches and financial performance improvements underscore a concentrated effort to deepen market share and enhance shareholder value within its core operating area.

Company News

APIChatGPT

  • businesswire.com

    First Reliance Bancshares Investor Alert: Kahn Swick & Foti, LLC Investigates Adequacy of Price and Process in Proposed Sale of First Reliance Bancshares, Inc. - FSRL

  • businesswire.com

    KBRA Comments on Colony Bancorp, Inc.'s Proposed Merger with First Reliance Bancshares, Inc.

  • zacks.com

    First Reliance Bancshares (FSRL) Soars 20.3%: Is Further Upside Left in the Stock?

  • prnewswire.com

    Shareholder Alert: Ademi LLP investigates whether First Reliance Bancshares, Inc. is obtaining a Fair Price for Public Shareholders

  • businesswire.com

    FSRL Stock Alert: Halper Sadeh LLC is Investigating Whether First Reliance Bancshares, Inc. is Obtaining a Fair Price for its Shareholders

  • businesswire.com

    Colony Bankcorp, Inc. and First Reliance Bancshares, Inc. Sign Definitive Merger Agreement to Create Transformational Southeast Banking Partnership

  • zacks.com

    What Makes First Reliance Bancshares (FSRL) a Good Fit for 'Trend Investing'

  • zacks.com

    3 Top Breakout Stocks to Buy Now for Big Upside in May 2026

  • zacks.com

    First Reliance Bancshares (FSRL) is on the Move, Here's Why the Trend Could be Sustainable

  • prnewswire.com

    First Reliance Bancshares Reports First Quarter 2026 Results

  • seekingalpha.com

    First Reliance Bancshares: This Micro Bank Shouldn't Be Overlooked

  • prnewswire.com

    First Reliance Bancshares Reports Fourth Quarter 2025 Results

  • seekingalpha.com

    First Reliance Bancshares: Location And Valuation Look Attractive

  • zacks.com

    Recent Price Trend in First Reliance Bancshares (FSRL) is Your Friend, Here's Why

  • zacks.com

    5 Stocks With Recent Price Strength Amid Wall Street Volatility

  • zacks.com

    First Reliance Bancshares (FSRL) Is a Great Choice for 'Trend' Investors, Here's Why

  • globenewswire.com

    OTC Markets Group Welcomes First Reliance Bancshares, Inc. to OTCQX

  • prnewswire.com

    First Reliance Bancshares Reports Third Quarter 2025 Results

  • prnewswire.com

    First Reliance Bancshares Reports Second Quarter 2025 Results

  • accessnewswire.com

    Carter Bank Completes the Purchase of Two First Reliance Bank Branches in North Carolina