Financial Services
First Reliance Bancshares, Inc.(FSRL)
Live Price
Offline$15.25
+0.66% today
1Y Change
+62.23%
Window
Jun 25, 2025 โ Jun 18, 2026
- Market Cap
- $120.00M
- Revenue Growth
- +77.4%
- EPS Growth
- +85.3%
- Dividend Yield
- 0.0%
Coverage: 247 bars ยท Jun 25, 2025 โ Jun 18, 2026
Research Briefing
A compact read on the setup, peer context, quarterly changes, and recent earnings reaction.
Research Snapshot
First Reliance Bancshares, Inc. (FSRL) is a Financial Services stock with a market cap of $120.00M and listed on OTC. The stock last traded around $15.25 and up 62.2% across the available one-year price window (Jun 25, 2025 โ Jun 18, 2026). Baseline metrics include revenue growth of +77.4%, EPS growth of +85.3%, a dividend yield of 0.0%. What stands out right now is revenue +77.4%, EPS +85.3%, free cash flow +239.0% with operating margin 26.6% and ROIC 1.2%. Valuation is more restrained than many high-expectation growth names at P/E 9.8 and price/sales 1.9. Stock Foundry combines FSRL price history, valuation, growth, dividend context, earnings, analyst forecasts, news, related Financial Services peers on this page.
Sector Context
How this name stacks up against nearby peers on first-pass metrics.
Revenue Growth
Above sector median
+77.4% vs +3.4% peer median
Operating Margin
Above sector median
+26.6% vs +4.7% peer median
What Changed This Quarter
Latest report context and the signals most likely to have changed the story.
Latest report is on the board
2026 was reported on Apr 23, 2026, but the surprise data is still limited.
The operating story is still moving forward
Revenue is running at +77.4% and EPS at +85.3%, with operating margin around 26.6%.
Earnings Reaction Memory
How the stock has tended to move after recent reports.
Across the last 3 reported quarters, the stock averaged +6.7% over the next 5 trading days and finished higher after 3 of those reports.
View quarter-by-quarter reaction table
| Quarter | EPS ฮ | 1D | 5D | 20D |
|---|---|---|---|---|
2026 Apr 23, 2026 | โ | +0.4% | +8.7% | +3.6% |
2026 Jan 29, 2026 | +12.9% | +2.0% | +9.9% | +14.4% |
2025 Oct 24, 2025 | +17.9% | +2.1% | +1.4% | +20.9% |
Benchmark Edge
FSRL vs SPY, QQQ, and Sector ETFs
Normalized return, excess return, max drawdown, and calendar-year wins against the benchmarks investors actually use.
FSRL
โ
Normalized return
SPY
--
S&P 500
Excess Return
--
Relative to SPY
FSRL Max Drawdown
-13.84%
Trailing 1Y
SPY Max Drawdown
โ
Trailing 1Y
Calendar-Year Returns
Uses the longest available daily history for FSRL and SPY.
Company Overview
First Reliance Bancshares, Inc.
Other OTC
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.
- Leadership
- Fredrick R. Saunders Jr.
- IPO Date
- Mar 30, 2004
- Employees
- 170
- Street Address
- 2170 West Palmetto Street
- Mailing
- Florence, SC, 29501
- Region
- Florence, SC, US
- Reporting Currency
- USD
- Investor Line
- 843 656 5000
- Last Updated
- Apr 29, 2026
Key Fundamentals
Valuation, growth, profitability, and balance sheet signals.
Valuation
- P/E
- 9.8
- EV/EBITDA
- 14.0
- Price/Sales
- 1.9
- Price/Book
- 1.3
Growth
- Revenue
- +77.4%
- EPS
- +85.3%
- Free Cash Flow
- +239.0%
Profitability
- Gross Margin
- 59.3%
- Operating Margin
- 26.6%
- Net Margin
- 19.4%
- ROE
- 14.0%
- ROIC
- 1.2%
Balance Sheet
- Debt/Equity
- 0.83
- Current Ratio
- 0.07
Earnings Reports
Latest News
Official Releases
Company announcements and filings-style updates.
Next Step
Keep the research moving
After the overview, the strongest next step is usually chart context or a tighter compare set.