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First Reliance Bancshares Inc (FSRL)

Featured in Overvalued Stocks High-Momentum Stocks

First Reliance Bancshares, Inc. is a bank holding company whose common stock is quoted on OTC Markets under the symbol FSRL. Through its subsidiary, First Reliance Bank, the company provides banking products and services to customers in North and South Carolina. Its deposit offerings include checking, savings, money market, Christmas and vacation club accounts, individual retirement accounts, and certificates of deposit. The company also provides a range of lending products for individuals and businesses, including personal loans, home equity lines of credit, business loans, commercial real estate financing, and business lines of credit. Additional services include mortgage products, debit and credit cards, treasury services, online, mobile, and business banking, business bill pay, and fraud prevention tools. Founded in 1999, First Reliance Bancshares is based in Florence, South Carolina.


Stock Summary Fair Value Profitability & Growth Quality & Risk Events & Dividends Technical Outlook FAQ

Jump between the core stock analysis sections, valuation data, fair value models, technical outlook, and FAQ.

Data update note: Fair value and stock analysis metrics are updated after regular market sessions when new data becomes available.
Ticker Fair Value Fair Value Upside/Downside Fair Value Rating Analyst Price Target Analyst Target Upside/Downside Analyst Target Rating Overall Financial Health Upcoming Dividend Ex-Date Dividend Payment Date Upcoming Dividend Dividend Yield Next Earnings Date P/E Ratio Price-to-Book Ratio Price-to-Sales Ratio Market Cap Enterprise Value Total Debt / Total Capital Free Float / Shares Outstanding Altman Z-Score Payout Ratio Free Cash Flow / Net Income
OTC-FSRL
$14.82
-22.4% Downside
Overvalued
$17
-11.0% Downside
Fair
Good
—
—
—
0.0%
July 24, 2026
12.0x
1.6x
3.0x
150 M
—
34.7%
—
-2.0
—
103.6%
Valuation • Fair Value

First Reliance Bancshares Inc (OTC-FSRL) Fair Value by Valuation Model

Compare the primary fair value estimate for First Reliance Bancshares Inc (OTC-FSRL) with model-based valuation references such as DCF, Ben Graham, DDM, EPV and comparable-company valuation.

Primary Valuation Read

Fair Value

$14.82

Estimated downside of 22.4% versus the current market price.

Fair Value Confidence

Med

Confidence level for the primary fair value estimate.

DCF Fair Value

NM

Discounted cash flow valuation reference.

Ben Graham Formula Value

$17.88

Classic Ben Graham valuation formula reference.

DDM Fair Value

NM

Dividend discount model valuation reference.

EPV Fair Value

NM

Earnings power value estimate.

Comps Fair Value

$14.82

Comparable-company valuation reference.

Analyst Price Target

$17

Analysts imply downside of 11.0%.

How to read these valuation models

Use this section to compare the primary fair value estimate for First Reliance Bancshares Inc (OTC-FSRL) with several model-based valuation references. Different models can produce different outputs because each method relies on a different set of assumptions, so the primary fair value estimate should be read alongside the model spread rather than in isolation.

Profitability • Growth

Profitability & Growth for First Reliance Bancshares Inc (OTC-FSRL)

A compact read on revenue, forward revenue expectations, EBITDA and operating profitability trends.

Revenue

51.107 M

Current operating scale indicator.

Revenue Forecast

40.1 M

Forward revenue estimate.

EBITDA

0 K

Current operating profitability reference.

EBITDA Forecast

Not available

Data is currently unavailable.

How to read profitability and growth

This section helps investors review First Reliance Bancshares Inc (OTC-FSRL) from an operating perspective by combining current scale, forward revenue expectations and EBITDA-related profitability measures.

Quality • Risk

Quality & Financial Risk for First Reliance Bancshares Inc (OTC-FSRL)

Review financial health, earnings quality and balance-sheet risk through Piotroski, Beneish, Altman and cash conversion metrics.

Financial Health

Good

Positive financial-health read.

Piotroski Score

6

Mid-range quality score.

Beneish M-Score

NM

Forensic accounting screen.

Altman Z-Score

-2.0

Lower score that deserves closer risk review.

FCF / Net Income

103.6%

Cash conversion quality indicator.

How to read quality and risk

This section combines quality, balance-sheet and accounting-risk indicators for First Reliance Bancshares Inc (OTC-FSRL). Read the metrics together: no single score is a complete investment conclusion, but the combined view can highlight financial strength, earnings quality and areas that may deserve closer review.

Events • Dividends

Upcoming Events & Dividends for First Reliance Bancshares Inc (OTC-FSRL)

Track the next earnings date, ex-dividend date, dividend payment date, dividend yield and upcoming distribution details where available.

Next Earnings Date

July 24, 2026

Days to Earnings

3

Dividend Payment Date

Not available

Ex-Dividend Date

Not available

Dividend Yield

0.0%

Income yield reference.

Upcoming Dividend

Not available

Data is currently unavailable.

Payment Type

Not available

Data is currently unavailable.

Dividend Currency

Not available

Data is currently unavailable.

Payout Ratio

Not available

Data is currently unavailable.

How to read events and dividends

This section helps investors track time-sensitive items for First Reliance Bancshares Inc (OTC-FSRL), including the next earnings date and dividend-related milestones. These items can matter for short-term volatility, income planning and event-driven positioning.

Stock Forecast • Technical Outlook

First Reliance Bancshares Inc (OTC-FSRL) Stock Forecast & Technical Outlook

Review First Reliance Bancshares Inc (OTC-FSRL) across multiple technical time frames, alongside analyst recommendation data, to form a faster read on market positioning and near-term sentiment.

Technical Signals by Time Frame

Switch between time frames to review the current technical signal for the stock.

Strong Sell Sell Neutral Buy Strong Buy
Time frame: 15-minute • intraday
Buy

The 15-minute technical read for First Reliance Bancshares Inc (OTC-FSRL) is currently Buy. Use it as a timing signal only, and compare it with valuation, fundamentals and upcoming events before drawing a broader view.

Strong Sell Sell Neutral Buy Strong Buy
Time frame: 1-hour • short-term
Buy

The 1-hour technical read for First Reliance Bancshares Inc (OTC-FSRL) is currently Buy. Use it as a timing signal only, and compare it with valuation, fundamentals and upcoming events before drawing a broader view.

Strong Sell Sell Neutral Buy Strong Buy
Time frame: daily • daily
Strong Buy

The daily technical read for First Reliance Bancshares Inc (OTC-FSRL) is currently Strong Buy. Use it as a timing signal only, and compare it with valuation, fundamentals and upcoming events before drawing a broader view.

Strong Sell Sell Neutral Buy Strong Buy
Time frame: weekly • weekly
Strong Buy

The weekly technical read for First Reliance Bancshares Inc (OTC-FSRL) is currently Strong Buy. Use it as a timing signal only, and compare it with valuation, fundamentals and upcoming events before drawing a broader view.

Strong Sell Sell Neutral Buy Strong Buy
Time frame: monthly • monthly
Strong Buy

The monthly technical read for First Reliance Bancshares Inc (OTC-FSRL) is currently Strong Buy. Use it as a timing signal only, and compare it with valuation, fundamentals and upcoming events before drawing a broader view.

Analyst Consensus for First Reliance Bancshares Inc (OTC-FSRL)

A consolidated view of buy, hold and sell recommendations based on the currently available analyst data.

Strong Sell Sell Neutral Buy Strong Buy
Consolidated analyst recommendation mix
Strong Buy

Based on the available recommendation mix, First Reliance Bancshares Inc (OTC-FSRL) has a Strong Buy consensus, with 2 buy, 0 hold and 0 sell recommendations in the current data set.

Buy 2
Hold 0
Sell 0
FAQ • Fast Investor Answers

First Reliance Bancshares Inc (OTC-FSRL) Stock FAQ

Quick answers about First Reliance Bancshares Inc (OTC-FSRL) stock, including fair value, valuation rating, analyst price target, dividends, earnings dates, market capitalization, financial health and other key stock analysis metrics.

Fair Value
$14.82
Estimated downside 22.4%
Valuation Rating
Overvalued
Estimated downside of 22.4%
Analyst Target
$17
Implied downside 11.0%
Financial Health
Good
Current financial-health read

The current fair value estimate for First Reliance Bancshares Inc (OTC-FSRL) is $14.82. This implies an estimated downside of 22.4% versus the current market price.

Based on the current fair value estimate, the stock appears overvalued, with estimated downside of 22.4% versus the current market price.

The available analyst price target for First Reliance Bancshares Inc (OTC-FSRL) is $17. The analyst target implies estimated downside of 11.0%.

The current financial health read for First Reliance Bancshares Inc (OTC-FSRL) is Good. This should be reviewed alongside valuation, profitability, debt and cash-flow quality metrics.

The next earnings date currently listed for First Reliance Bancshares Inc (OTC-FSRL) is July 24, 2026.

Based on the current data, dividend yield is 0.0%.

The current P/E ratio listed for First Reliance Bancshares Inc (OTC-FSRL) is 12.0x. Use it together with growth, margins and sector comparisons rather than as a standalone valuation signal.

The current market capitalization listed for First Reliance Bancshares Inc is 150 M.

The ticker symbol for First Reliance Bancshares Inc is OTC-FSRL, and the stock is listed on OTC Markets.

First Reliance Bancshares Inc (OTC-FSRL) is listed on OTC Markets.

The current debt-to-total-capital ratio listed for First Reliance Bancshares Inc is 34.7%, which helps investors evaluate the company’s financing structure and leverage profile.

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