FSRL
First Reliance Bancshares, Inc.
OTC Markets OTCQXUSDEQUITY
Financial Services
DELAYED
Last price
19.70
■ 0.00 (0.00%)
MARKET · —
Price
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Open
19.70
Prev close
19.70
Day high
19.62
Day low
19.44
Volume
302
Market cap
$155.53M
P/E (TTM)
12.63
52W range
9.50 – 20.09
Trailing performance
Returnvs SPY
1W
-1.50%
-0.1%
1M
+0.46%
-3.3%
3M
+35.86%
+32.8%
6M
+29.18%
+18.1%
YTD
+60.69%
+48.4%
1Y
+104.15%
+84.1%
3Y
+176.69%
+102.5%
5Y
—
—
Price return only. Dividends are not reinvested, so total return on a dividend payer will be higher than shown.
Unusual options activity
Nothing crossed the thresholds in the expiries we scanned.
That is the normal state — most contracts trade well inside their existing open interest.
That is the normal state — most contracts trade well inside their existing open interest.
Contracts trading at or above their open interest, ranked by notional and where the print landed.
Free account
5 more panels on FSRL open with an account.
Options chains and analytics, valuation ratios, insider filings, analyst targets and ownership. No card, no trial, nothing to cancel.
Insider net activity
Net shares
0
Net selling
Buy transactions
0
0 shares
Sell transactions
0
—
Net transactions
0
Buys less sells
Sell : buy shares
—
Not enough filings
Insider-held shares
0
Total on file
Fundamentals
Market cap$155.53M
Enterprise value$223.31M
Revenue (TTM)$49.95M
Gross profit$49.95M
EBITDA—
Net income$11.88M
EPS (TTM)$1.56
Free cash flow—
Total cash$27.03M
Total debt$94.80M
Book value / share$12.47
Shares outstanding7.89M
Float—
Short % of float—
Dividend yield—
Beta (5Y)0.18
Valuation & profitability ratios
Trailing P/E12.63
Forward P/E11.80
PEG ratio—
Price / sales—
Price / book1.58
EV / revenue4.47
EV / EBITDA—
Gross margin0.00%
Operating margin27.87%
Profit margin23.79%
Return on equity12.90%
Return on assets1.07%
Debt / equity—
Current ratio—
Fourteen ratios including P/E, PEG, EV/EBITDA, margins and return on equity.
Financial statements
| Line item | 2025 | 2024 | 2023 | 2022 | 2021 | YoY |
|---|---|---|---|---|---|---|
| Total revenue | $47.03M | $40.40M | $36.49M | $39.00M | — | +16.4% |
| Operating revenue | $47.03M | $40.40M | $36.49M | $39.00M | — | +16.4% |
| Selling, general & admin | $1.20M | $1.17M | $1.11M | $1.49M | — | +3.0% |
| Total operating expense | $34.72M | $31.60M | $29.71M | $30.97M | — | +9.9% |
| Pre-tax income | $13.99M | $7.66M | $5.81M | $7.57M | — | +82.6% |
| Tax provision | $3.08M | $1.74M | $1.21M | $1.64M | — | +77.4% |
| Net income | $10.91M | $5.92M | $4.60M | $5.93M | — | +84.1% |
| Net income to common | $10.91M | $5.92M | $4.60M | $5.93M | — | +84.1% |
| Basic EPS | 1.39 | — | 0.59 | 0.76 | 0.68 | — |
| Diluted EPS | 1.31 | — | 0.56 | 0.73 | 0.65 | — |
| Basic shares | 7.85M | — | 7.82M | 7.78M | 7.75M | — |
| Diluted shares | 8.33M | — | 8.16M | 8.13M | 8.14M | — |
| Line item | 2025 | 2024 | 2023 | 2022 | YoY |
|---|---|---|---|---|---|
| Cash & equivalents | $32.13M | $47.23M | $21.94M | $34.06M | -32.0% |
| Property, plant & equipment | $28.02M | $25.51M | $27.64M | $28.79M | +9.8% |
| Goodwill & intangibles | $15.35M | $14.13M | $12.40M | $11.28M | +8.6% |
| Total assets | $1.09B | $1.07B | $974.16M | $937.11M | +2.5% |
| Total debt | $44.11M | $30.72M | $36.32M | $61.89M | +43.6% |
| Total liabilities | $1.00B | $989.35M | $902.76M | $873.82M | +1.1% |
| Retained earnings | $50.58M | $39.67M | $33.75M | $29.92M | +27.5% |
| Shareholder equity | $93.07M | $77.76M | $71.40M | $63.30M | +19.7% |
| Net tangible assets | $77.72M | $63.63M | $58.99M | $52.02M | +22.1% |
| Shares issued | 8.80M | 8.76M | 8.77M | 8.73M | +0.5% |
| Line item | 2025 | 2024 | 2023 | 2022 | YoY |
|---|---|---|---|---|---|
| Net income | $10.91M | $5.92M | $4.60M | $5.93M | +84.1% |
| Depreciation & amortisation | $1.12M | $1.21M | $1.20M | $1.21M | -8.2% |
| Stock-based compensation | $993.38K | $813.62K | $1.45M | $54.62K | +22.1% |
| Change in working capital | -$588.56K | -$2.37M | $944.49K | -$3.31M | +75.1% |
| Operating cash flow | $17.96M | -$8.93M | $9.51M | $25.35M | +301.2% |
| Capital expenditure | -$4.77M | -$564.38K | -$628.89K | -$1.15M | -745.2% |
| Investing cash flow | -$44.17M | -$52.10M | -$49.06M | -$175.44M | +15.2% |
| Share buybacks | -$2.42M | -$1.48M | -$789.40K | -$179.88K | -64.1% |
| Financing cash flow | $11.11M | $86.31M | $27.69M | $33.77M | -87.1% |
| Free cash flow | $13.19M | -$9.49M | $8.88M | $24.20M | +239.0% |
| End cash position | $32.13M | $47.23M | $21.94M | $33.80M | -32.0% |
| Line item | 2026-06-30 | 2026-03-31 | 2025-12-31 | 2025-06-30 | 2025-03-31 | YoY |
|---|---|---|---|---|---|---|
| Total revenue | $12.80M | $13.03M | $11.97M | $11.81M | $11.02M | -1.7% |
| Operating revenue | $12.80M | $13.03M | $11.97M | $11.81M | $11.02M | -1.7% |
| Selling, general & admin | $209.00K | $173.00K | $156.00K | $423.00K | $276.00K | +20.8% |
| Total operating expense | $9.15M | $8.45M | $8.78M | $8.99M | $8.43M | +8.3% |
| Pre-tax income | $3.53M | $4.40M | $3.50M | $4.84M | $2.02M | -19.8% |
| Tax provision | $727.00K | $968.00K | $570.00K | $1.19M | $411.00K | -24.9% |
| Net income | $2.81M | $3.44M | $2.93M | $3.65M | $1.61M | -18.3% |
| Net income to common | $2.81M | $3.44M | $2.93M | $3.65M | $1.61M | -18.3% |
| Basic EPS | 0.36 | 0.44 | 0.38 | 0.46 | 0.21 | -18.2% |
| Diluted EPS | 0.34 | 0.41 | 0.36 | 0.44 | 0.19 | -17.1% |
| Basic shares | 7.78M | 7.87M | 7.75M | 7.89M | 7.87M | -1.0% |
| Diluted shares | 8.21M | 8.30M | 8.22M | 8.35M | 8.33M | -1.1% |
| Line item | 2026-06-30 | 2026-03-31 | 2025-12-31 | YoY |
|---|---|---|---|---|
| Cash & equivalents | $27.03M | $30.71M | $32.13M | -12.0% |
| Property, plant & equipment | $24.32M | $24.45M | $28.02M | -0.5% |
| Goodwill & intangibles | $9.48M | $8.73M | $15.35M | +8.6% |
| Total assets | $1.13B | $1.12B | $1.09B | +0.8% |
| Total debt | $94.80M | $79.79M | $44.11M | +18.8% |
| Total liabilities | $1.03B | $1.02B | $1.00B | +0.6% |
| Retained earnings | $56.82M | $54.01M | $50.58M | +5.2% |
| Shareholder equity | $98.42M | $95.88M | $93.07M | +2.6% |
| Net tangible assets | $88.94M | $87.16M | $77.72M | +2.0% |
| Shares issued | 7.89M | 8.90M | 8.80M | -11.3% |
No filings published for this symbol yet.
Newly listed companies often have nothing on file until their first annual report.
Newly listed companies often have nothing on file until their first annual report.
Options analytics
Put / call volume
—
—
Put / call open interest
—
Positioning, not flow
Max pain
—
—
ATM implied vol
—
Nearest strike to spot
Skew (10% OTM)
—
—
Call volume
0
Contracts, this expiry
Put volume
0
Contracts, this expiry
Heaviest call OI
—
—
Heaviest put OI
—
—
Max pain is the strike at which the largest dollar value of open contracts expires worthless. It describes current positioning; it is not a forecast and it moves as open interest changes.
Put/call ratios, max pain, implied volatility skew and where open interest is concentrated.
Earnings
Reported vs expected · EPS
| Quarter | Est. | Actual | Surprise |
|---|---|---|---|
| Jun 2026 | 0.38 | 0.38 | +1.3% |
| Mar 2026 | 0.32 | 0.39 | +21.9% |
| Dec 2025 | 0.31 | 0.35 | +12.9% |
| Sep 2025 | 0.28 | 0.33 | +17.9% |
Forward consensus
| Period | EPS | Analysts | Revenue | Growth |
|---|---|---|---|---|
| Current quarter | 0.40 | 2 | $13.20M | +7.9% |
| Next quarter | 0.38 | 2 | $13.20M | +6.9% |
| Current year | 1.53 | 2 | $52.10M | +4.9% |
| Next year | 1.67 | 2 | $54.80M | +5.2% |
Analyst targets & ownership
Mean target$17.00
High target$17.50
Low target$16.50
Implied upside-13.71%
Analyst count2
ConsensusNONE
Strong buy / Buy— / —
Hold—
Sell / Strong sell— / —
Held by insiders0.00%
Held by institutions20.51%
Institutions holding5
Price targets, consensus spread, insider and institutional ownership.
Moving averages & technicals
SMA 10
19.89
-0.95% from price
SMA 20
19.88
-0.93% from price
SMA 50
18.57
+6.09% from price
SMA 100
16.57
+18.88% from price
SMA 200
14.97
+31.62% from price
EMA 12
19.83
-0.63% from price
EMA 26
19.50
+1.01% from price
EMA 50
18.63
+5.75% from price
RSI (14)
58.2
Neutral
MACD (12,26,9)
0.32
Hist -0.13
ATR (14)
0.19
0.98% of price
Realised vol 30D
16.1%
Annualised
Bollinger upper
20.11
20, 2σ
Bollinger lower
19.66
20, 2σ
50 / 200 cross
Golden
18.57 vs 14.97
Trend bias
Above 200
+31.62%
Options chain
Calls
| Strike | Last | Bid | Ask | Vol | OI | IV |
|---|---|---|---|---|---|---|
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
Puts
| Strike | Last | Bid | Ask | Vol | OI | IV |
|---|---|---|---|---|---|---|
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
Every listed expiry, both sides of the book, with volume, open interest and implied volatility.
Risk profile
Beta vs SPY
0.05
Less volatile than market
Correlation to SPY
0.02
Largely independent
Realised vol 30D
16.1%
Annualised
Market vol 1Y
12.9%
SPY, annualised
Max drawdown 1Y
-13.8%
Peak to trough
Max drawdown 5Y
-43.9%
Peak to trough
ATR 14
0.19
0.98% of price
Beta (reported)
0.18
5Y monthly, from filing
Rating changes
| Date | Firm | Action | From | To |
|---|---|---|---|---|
| Jan 19, 21 | Janney Capital | INITIATED | — | Buy |
SEC filings
Headlines
First Reliance Bancshares Inc. (FSRL) Q2 Earnings and Revenues Lag Estimates
Zacks · 31d ago
Live Oak Bancshares (LOB) Q2 Earnings and Revenues Surpass Estimates
Zacks · 31d ago
First Reliance Bancshares Reports Second Quarter 2026 Results
PR Newswire · 31d ago
WesBanco (WSBC) Q2 Earnings and Revenues Beat Estimates
Zacks · 32d ago
First Reliance Bancshares (FSRL) Soars 20.3%: Is Further Upside Left in the Stock?
Zacks · 58d ago
Colony Bankcorp, Inc. and First Reliance Bancshares, Inc. Sign Definitive Merger Agreement to Create Transformational Southeast Banking Partnership
Business Wire · 59d ago
PRIVATE STRATEGY · BY QUALIFICATION
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