/FSRL

FSRL Stock - First Reliance Bancshares, Inc.

Q: What is the analyst price target for FSRL?

Analyst price target information is not currently available for FSRL.

Q: What is FSRL's market cap?

Market capitalization information is not currently available for FSRL.

Financial Services|Banks - Regional|OTC

$12.34+0.33%

+$0.04 (+0.33%) • Dec 19

GoAI Score

Weighted average: Momentum (25%) + Sentiment (35%) + Risk (20%) + Value (20%). ≥70 = BUY, ≤35 = SELL.

BUY

Medium Confidence

Momentum

Momentum Score

Based on price vs 50-day MA (40%), 200-day MA (40%), and MA crossover (20%). Higher = stronger uptrend.

Sentiment

Sentiment Score

Based on analyst price target upside. 50 = neutral, 100 = very bullish (25%+ upside expected).

Risk Score

Based on stock beta (volatility). Higher score = lower risk. Red (<40) = high volatility, Green (>60) = stable.

100

Price Target

Average analyst price target from the last quarter. Shows expected upside/downside from current price.

+10.0%upside

Target: $13.57

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Financial Statements

Revenue & Profitability Trend

FY2020

FY2021

FY2022

FY2023

FY2024

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Revenue

Net Income (Profit)

Net Loss

Key Metrics

Market CapN/A

P/E RatioN/A

Beta0.19

52W High$13.70

52W Low$9.00

Avg VolumeN/A

Income Statement (Fiscal Year)

Metric	FY2024	FY2023	FY2022	FY2021	FY2020
Revenue	$39.26M	$51.91M	$42.16M	$40.86M	$51.15M
Gross Profit	$39.26M	$36.49M	$39.00M	$38.84M	$47.28M
Gross Margin	100.0%	70.3%	92.5%	95.1%	92.4%
Operating Income	$11.06M	$5.81M	$7.57M	$6.41M	$13.89M
Net Income	$5.92M	$4.60M	$5.93M	$5.28M	$10.62M
Net Margin	15.1%	8.9%	14.1%	12.9%	20.8%
EPS	$0.75	$0.59	$0.76	$0.68	$1.34

Company Overview

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.

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Earnings History & Surprises

FSRL

Beat Rate

44%

Last 18 quarters

Avg Surprise

+0.1%

EPS vs Estimate

Beats / Misses

8/7

3 met exactly

Latest EPS

$0.33

Q4 2025

EPS Surprise History

Q1 24

0.0%

$0.17vs$0.17

Q2 24

0.0%

$0.15vs$0.15

Q3 24

+41.2%

$0.24vs$0.17

Q4 24

-4.3%

$0.22vs$0.23

Q1 25

-22.2%

$0.21vs$0.27

Q2 25

-41.2%

$0.20vs$0.34

Q3 25

+3.8%

$0.27vs$0.26

Q4 25

+17.9%

$0.33vs$0.28

Beat Estimate

Missed Estimate

Quarterly EPS Details

Period	Report Date	Estimated EPS	Actual EPS	Surprise	Result
Q2 2026	Apr 22, 2026	—	—	—	—
Q1 2026	Jan 27, 2026	$0.31	—	—	—
Q4 2025	Oct 24, 2025	$0.28	$0.33	+17.9%	✓ BEAT
Q3 2025	Jul 25, 2025	$0.26	$0.27	+3.8%	✓ BEAT
Q2 2025	Apr 24, 2025	$0.34	$0.20	-41.2%	✗ MISS
Q1 2025	Jan 28, 2025	$0.27	$0.21	-22.2%	✗ MISS
Q4 2024	Oct 24, 2024	$0.23	$0.22	-4.3%	✗ MISS
Q3 2024	Jul 25, 2024	$0.17	$0.24	+41.2%	✓ BEAT
Q2 2024	Apr 25, 2024	$0.15	$0.15	0.0%	= MET
Q1 2024	Jan 26, 2024	$0.17	$0.17	0.0%	= MET
Q4 2023	Oct 26, 2023	$0.18	$0.21	+16.7%	✓ BEAT
Q3 2023	Jul 26, 2023	$0.16	$0.12	-25.0%	✗ MISS
Q2 2023	Apr 26, 2023	$0.14	$0.17	+21.4%	✓ BEAT
Q1 2023	Feb 1, 2023	$0.24	$0.18	-25.0%	✗ MISS
Q4 2022	Nov 1, 2022	$0.18	$0.31	+72.2%	✓ BEAT
Q3 2022	Jul 29, 2022	$0.17	$0.13	-23.5%	✗ MISS
Q2 2022	Apr 27, 2022	$0.10	$0.11	+10.0%	✓ BEAT
Q1 2022	Jan 26, 2022	$0.12	$0.12	0.0%	= MET
Q4 2021	Oct 21, 2021	$0.14	$0.16	+14.3%	✓ BEAT
Q3 2021	Jul 20, 2021	$0.28	$0.13	-53.6%	✗ MISS

Frequently Asked Questions about FSRL

What is FSRL's current stock price?

First Reliance Bancshares, Inc. (FSRL) is currently trading at $12.34 per share. The stock has moved +0.33% today.

What is the analyst price target for FSRL?

No analyst price targets are currently available for this stock.

What sector is First Reliance Bancshares, Inc. in?

First Reliance Bancshares, Inc. operates in the Financial Services sector, specifically within the Banks - Regional industry. The company is traded on the OTC exchange.

What is FSRL's market cap?

First Reliance Bancshares, Inc. has a market capitalization of $0.10 billion, making it a small-cap company.

Does FSRL pay dividends?

No, First Reliance Bancshares, Inc. does not currently pay a dividend to shareholders.