Stock FSRL FIRST RELIANCE BANCSHARES, INC.
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Financials First Reliance Bancshares, Inc.

Equities

FSRL

US33615Q1004

Banks

Market Closed - OTC Markets
Other stock markets
 08:29:52 21/05/2024 pm IST 		5-day change 1st Jan Change
8.05 USD +0.12% Intraday chart for First Reliance Bancshares, Inc. -0.62% -6.07%
25/04 Earnings Flash (FSRL) FIRST RELIANCE BANCSHARES Posts Q1 EPS $0.15 MT
25/04 First Reliance Bancshares, Inc. Reports Earnings Results for the First Quarter Ended March 31, 2024 CI

Valuation

Fiscal Period: December 2020 2021 2022 2023 2024 2025
Capitalization 1 64.62 84.19 71.59 69.74 65.48 -
Enterprise Value (EV) 1 64.62 84.19 71.59 69.74 65.48 65.48
P/E ratio 5.87 x 15.7 x 11.9 x 15.3 x 12.2 x 9.82 x
Yield - - - - - -
Capitalization / Revenue 2.66 x 3.41 x 2.38 x 2.41 x 2.15 x 1.91 x
EV / Revenue 2.66 x 3.41 x 2.38 x 2.41 x 2.15 x 1.91 x
EV / EBITDA - - - - - -
EV / FCF - - - - - -
FCF Yield - - - - - -
Price to Book 0.94 x 1.19 x 1.12 x 0.98 x 0.86 x 0.79 x
Nbr of stocks (in thousands) 8,337 8,254 8,210 8,138 8,134 -
Reference price 2 7.750 10.20 8.720 8.570 8.050 8.050
Announcement Date 28/01/21 26/01/22 01/02/23 26/01/24 - -
1USD in Million2USD
Estimates

Income Statement Evolution (Annual data)

Fiscal Period: December 2020 2021 2022 2023 2024 2025
Net sales 1 24.25 24.7 30.04 28.97 30.5 34.2
EBITDA - - - - - -
EBIT 1 - 6.71 5.58 7.147 8.1 9.9
Operating Margin - 27.16% 18.57% 24.67% 26.56% 28.95%
Earnings before Tax (EBT) 1 - 6.407 7.571 5.813 6.9 8.6
Net income 1 - 5.276 5.931 4.603 5.4 6.8
Net margin - 21.36% 19.74% 15.89% 17.7% 19.88%
EPS 2 1.320 0.6500 0.7300 0.5600 0.6600 0.8200
Free Cash Flow - - - - - -
FCF margin - - - - - -
FCF Conversion (EBITDA) - - - - - -
FCF Conversion (Net income) - - - - - -
Dividend per Share - - - - - -
Announcement Date 28/01/21 26/01/22 01/02/23 26/01/24 - -
1USD in Million2USD
Estimates

Income Statement Evolution (Quarterly data)

Fiscal Period: December 2021 Q3 2021 Q4 2022 Q1 2022 Q2 2022 Q3 2022 Q4 2023 Q1 2023 Q2 2023 Q3 2023 Q4 2024 Q1 2024 Q2 2024 Q3 2024 Q4 2025 Q1
Net sales 1 6.264 6.621 6.575 7.333 8.244 7.888 7.274 7.221 7.204 7.272 7.208 7.5 7.8 8 8
EBITDA - - - - - - - - - - - - - - -
EBIT 1 1.547 1.069 1.137 1.458 3.398 1.407 1.961 1.567 1.811 1.502 1.686 2 2.2 2 1.8
Operating Margin 24.7% 16.15% 17.29% 19.88% 41.22% 17.84% 26.96% 21.7% 25.14% 20.65% 23.39% 26.67% 28.21% 25% 22.5%
Earnings before Tax (EBT) 1 1.447 0.974 1.052 1.348 3.228 1.943 1.713 1.287 1.853 0.961 1.629 1.7 1.9 1.7 1.5
Net income 1 1.288 0.932 0.852 1.064 2.522 1.493 1.371 1.013 1.444 0.776 1.238 1.3 1.5 1.3 1.2
Net margin 20.56% 14.08% 12.96% 14.51% 30.59% 18.93% 18.85% 14.03% 20.04% 10.67% 17.18% 17.33% 19.23% 16.25% 15%
EPS 2 0.1600 0.1200 0.1100 0.1300 0.3100 0.1800 0.1700 0.1200 0.1800 0.1000 0.1500 0.1600 0.1900 0.1600 0.1400
Dividend per Share - - - - - - - - - - - - - - -
Announcement Date 21/10/21 26/01/22 27/04/22 29/07/22 01/11/22 01/02/23 26/04/23 26/07/23 26/10/23 26/01/24 25/04/24 - - - -
1USD in Million2USD
Estimates

Balance Sheet Analysis

Fiscal Period: December 2020 2021 2022 2023 2024 2025
Net Debt - - - - - -
Net Cash position - - - - - -
Leverage (Debt/EBITDA) - - - - - -
Free Cash Flow - - - - - -
ROE (net income / shareholders' equity) 16.9% 7.56% 9.11% 7% 7.5% 8.6%
ROA (Net income/ Total Assets) 1.46% 0.64% 0.63% 0.47% 0.52% 0.62%
Assets 1 - 824.4 941.4 979.4 1,038 1,097
Book Value Per Share 2 8.250 8.570 7.780 8.770 9.380 10.20
Cash Flow per Share - - - - - -
Capex - - - - - -
Capex / Sales - - - - - -
Announcement Date 28/01/21 26/01/22 01/02/23 26/01/24 - -
1USD in Million2USD
Estimates

EPS & Dividend

Year-on-year evolution of the PER

Change in Enterprise Value/EBITDA

Ratings for First Reliance Bancshares, Inc.

Trading Rating
Investor Rating
ESG Refinitiv
More Ratings

Analysts' Consensus

Sell
Consensus
Buy
Mean consensus
BUY
Number of Analysts
1
Last Close Price
8.05 USD
Average target price
10 USD
Spread / Average Target
+24.22%
Consensus

EPS Revisions

Estimates Revisions

Quarterly earnings - Rate of surprise

Company calendar

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