Fairvalue-Calculator Fairvalue-Calculator
EN DE

First Reliance Bancshares, Inc (FSRL) Fair Value & Analysis

Financial Services · US · Market cap $120M

Price$18.35
Fair Value$17.96
Upside-2.1%
Quality95/100
Evidence: High Range $13.47 – $22.45

Fair value as of: Jun 26, 2026

✦ Find undervalued quality stocks — 34,000+ analysed Find stocks →

Analysis

First Reliance Bancshares, Inc (FSRL) currently trades at $18.35, while our model-based Fair Value estimate is $17.96 — implying the stock looks roughly 2.1% overvalued today. We read business quality at 95/100 (high quality), in the Financial Services sector. Bear case: priced above our estimate, the market already discounts strong expectations. Bull case: above-average quality can justify a premium — the entry price still matters most (evidence: high).

About the company

First Reliance Bancshares, Inc. operates as the bank holding company for First Reliance Bank that provides banking products and services in North and South Carolina. It provides checking, savings, money market, Christmas and vacation club accounts, and individual retirement accounts, as well as certificates of deposit. The company offers personal loans, including unsecured, auto and recreational vehicle, mortgage, and other loans, as well as home equity line of credit; business loans, such as commercial real estate, business loan checklist and well as business lines of credit as well as mortgage products and services; and debit and credit card services. In addition, it offers treasury; online, mobile, and business banking; fraud prevention; and other services. First Reliance Bancshares, Inc. was founded in 1999 and is based in Florence, South Carolina.

Open the full interactive analysis →

Similar stocks

HDFC Bank Limited (HDFCBANK) +18% PT Bank Central Asia Tbk (BBCA) -1% KB Financial Group (105560) -4% PT Bank Rakyat Indonesia (Persero) Tbk (BBRI) +66% Banco Bradesco S.A (BBD) +100% Shinhan Financial Group (055550) +14%

Frequently asked questions

Is First Reliance Bancshares, Inc (FSRL) undervalued?
As of Jun 26, 2026, our model estimates a fair value of $17.96 versus a price of $18.35 — about −2% (overvalued). Model-based estimate, not financial advice.
What is the fair value of FSRL?
Our 21-model fair value for First Reliance Bancshares, Inc is $17.96 (as of Jun 26, 2026), built from audited fundamentals. The current price is $18.35.
What is the quality score of FSRL?
First Reliance Bancshares, Inc has a Quality Score of 95/100, measuring profitability, growth and balance-sheet strength from non-valuation factors.

How we calculate Fair Value

Each company is valued through a stack of independent intrinsic-value models (DCF variants, residual-income, multiples and more), blended into one family-balanced consensus and weighted by how much trustworthy data backs it. A separate quality layer scores the fundamentals. Every input is real reported data — nothing guessed.

Educational research only · not financial advice · no buy/sell recommendation. Model-based estimates are not certainties; their reliability depends on data quality and assumptions.