What is First Reliance Bancshares, Inc. (FSRL) stock price today?

First Reliance Bancshares, Inc. (FSRL) is currently trading at $18.90, up 0% today.

What is FSRL P/E ratio?

First Reliance Bancshares, Inc.'s P/E ratio is 11.67. This is below the market average, suggesting the stock may be undervalued relative to earnings.

What is FSRL return on equity (ROE)?

First Reliance Bancshares, Inc.'s return on equity (ROE) is 13.97%, indicating how efficiently the company generates profit from shareholders' equity. This is above the market average.

What is First Reliance Bancshares, Inc.'s market cap?

First Reliance Bancshares, Inc. has a market capitalization of $149.18M.

OTC · Banks - Regional

First Reliance Bancshares, Inc. (FSRL) Stock

$18.90 +0.00% OTC: FSRL Financial Services

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.

Valuation

Metric	Value
Price	$18.90
Market Cap	$149.18M
P/E Ratio	11.67
P/B Ratio	1.55
P/S Ratio	2.27
EPS (TTM)	$1.62
52-Week High	$19.50
52-Week Low	$9.50
Dividend Yield	0.00%

Financials & Margins

Metric	Value
ROE	13.97%
ROA	1.14%
ROCE	1.65%
Gross Margin	77.81%
Operating Margin	26.57%
Net Margin	19.38%
Debt/Equity	0.83
Current Ratio	0.07

Annual Financials (USD)

Metric	2021	2022	2023	2024	2025
Revenue	$41.0M	$42.0M	$52.0M	$39.0M	$70.0M
Operating Profit	$6.0M	$8.0M	$6.0M	$11.0M	$14.0M
Net Profit	$5.0M	$6.0M	$5.0M	$6.0M	$11.0M
EPS	$0.65	$0.73	$0.56	$0.71	$1.31
Op Margin	15.7%	18.0%	11.2%	28.2%	20.1%

Balance Sheet (USD)

Metric	2021	2022	2023	2024	2025
Total Assets	$912.0M	$939.0M	$976.0M	$1.1B	$1.1B
Total Liabilities	$841.0M	$875.0M	$904.0M	$989.0M	$1.0B
Cash	$150.0M	$34.0M	$22.0M	$47.0M	$4.0M
Borrowings	$54.0M	$69.0M	$37.0M	$26.0M	$44.0M

Latest News

First Reliance Bancshares Inc. (FSRL) Q2 Earnings and Revenues Lag Estimates Zacks · Jul 22, 2026 Live Oak Bancshares (LOB) Q2 Earnings and Revenues Surpass Estimates Zacks · Jul 22, 2026 First Reliance Bancshares Reports Second Quarter 2026 Results PR Newswire · Jul 22, 2026 WesBanco (WSBC) Q2 Earnings and Revenues Beat Estimates Zacks · Jul 21, 2026 First Reliance Bancshares (FSRL) Soars 20.3%: Is Further Upside Left in the Stock? Zacks · Jun 26, 2026

Cash Flow (USD)

Metric	2021	2022	2023	2024	2025
Operating Cash Flow	$40.0M	$25.0M	$10.0M	$-9.0M	$18.0M
Investing Cash Flow	$-189.0M	$-177.0M	$-50.0M	$-53.0M	$-49.0M
Financing Cash Flow	$189.0M	$13.0M	$53.0M	$91.0M	$-3.0M
Net Cash Flow	$51.0M	$-116.0M	$-12.0M	$25.0M	$0
Free Cash Flow	$34.0M	$24.0M	$9.0M	$-9.0M	$13.0M

Valuation & Return Ratios

Metric	Value
PEG Ratio	0.11
EV / EBITDA	—
FCF Yield	—
Quick Ratio	—
Interest Coverage	—
Return 1Y	94.85%
Return 3Y	196.24%
Return 5Y	88.06%

Peer Comparison

Ticker	Price	Change	P/E	Market Cap	Div Yield
AMBZAmerican Business Bank	$73.00	+0.00%	11.44	$649.71M	1.64%
APLOApollo Bancorp, Inc.	$54.00	+0.00%	12.50	$27.14M	4.30%
AVBH	$32.61	+1.40%	9.64	$357.25M	0.00%
BHWBBlackhawk Bancorp, Inc.	$33.35	-0.45%	7.02	$96.57M	0.00%
BSFOBank of San Francisco	$43.59	+0.00%	11.94	$95.29M	0.00%

About 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.

First Reliance Bancshares, Inc. is headquartered in US.

First Reliance Bancshares, Inc. (FSRL) stock trades at $18.90 with a market capitalization of $149.18M. The stock is valued at a price-to-earnings (P/E) ratio of 11.67, price-to-book of 1.55, price-to-sales of 2.27. Over the past 52 weeks the stock has ranged between $9.50 and $19.50, and currently trades 3.1% below its 52-week high.

On profitability, First Reliance Bancshares, Inc. generates a return on equity (ROE) of 13.97%, above the typical market average, return on capital employed of 1.65%, an operating margin of 26.57%, a net profit margin of 19.38%.

Official website: www.firstreliance.com