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First Reliance Bancshares, Inc. FSRL

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Price alert · FSRL

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19.46 USD -0.03 -0.15%

At close · Oct 30

19.34 Day range 19.63
10.90 52-week range 20.12
YTD
0.00%
1 year
0.00%
Open
19.50
Prev close
19.49
Mkt cap
153.64M
Vol
1.82K
Avg vol
7.64K
EPS
1.45
P/E
13.42
More statistics
Low
19.34
High
19.63
Earnings
Jan 24, 2025

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Financial health

Altman Z-Score

0.21 Distress zone

Bankruptcy-risk model: below 1.81 distress, above 2.99 safe.

Piotroski F-Score

6 / 9 Average

Nine pass/fail tests of profitability, leverage and efficiency.

FMP rating

B+3 / 5 overall

  • DCF 5
  • Return on Equity 3
  • Return on Assets 3
  • Debt / Equity 3
  • P/E 3
  • P/B 2

Valuation

P/E 8.8×
FY 2016: 10.2×FY 2017: -58.1×FY 2018: 17.6×FY 2019: 15.0×FY 2020: 5.8×FY 2021: 15.0×FY 2022: 11.5×FY 2023: 14.5×FY 2024: 12.8×FY 2025: 8.8×
FY 2016 5y median 12.8× FY 2025
P/S 1.4×
FY 2016: 1.1×FY 2017: 1.7×FY 2018: 1.3×FY 2019: 1.7×FY 2020: 1.2×FY 2021: 1.9×FY 2022: 1.6×FY 2023: 1.3×FY 2024: 1.9×FY 2025: 1.4×
FY 2016 5y median 1.6× FY 2025
P/B 1.0×
FY 2016: 1.0×FY 2017: 0.8×FY 2018: 0.8×FY 2019: 1.1×FY 2020: 0.9×FY 2021: 1.1×FY 2022: 1.1×FY 2023: 0.9×FY 2024: 1.0×FY 2025: 1.0×
FY 2016 5y median 1.0× FY 2025
P/FCF 7.3×
FY 2016: 5.2×FY 2017: -22.1×FY 2018: 80.5×FY 2019: -4.8×FY 2020: 1.8×FY 2021: 2.3×FY 2022: 2.8×FY 2023: 7.6×FY 2024: -7.9×FY 2025: 7.3×
FY 2016 5y median 2.8× FY 2025
EV/EBITDA 9.0×
FY 2016: 7.6×FY 2017: 14.1×FY 2018: 10.0×FY 2019: 13.6×FY 2020: -0.1×FY 2021: -2.3×FY 2022: 11.7×FY 2023: 11.7×FY 2024: 0.0×FY 2025: 9.0×
FY 2016 5y median 9.0× FY 2025
EV/Sales 2.0×
FY 2016: 2.0×FY 2017: 2.2×FY 2018: 1.3×FY 2019: 2.3×FY 2020: -0.0×FY 2021: -0.4×FY 2022: 2.4×FY 2023: 1.6×FY 2024: 1.4×FY 2025: 2.0×
FY 2016 5y median 1.6× FY 2025
FCF Yield 13.7%
FY 2016: 19.1%FY 2017: -4.5%FY 2018: 1.2%FY 2019: -21.0%FY 2020: 54.3%FY 2021: 43.5%FY 2022: 35.7%FY 2023: 13.2%FY 2024: -12.6%FY 2025: 13.7%
FY 2016 5y median 13.7% FY 2025

Profitability

Gross Margin 70.1%
FY 2016: 94.5%FY 2017: 91.3%FY 2018: 88.7%FY 2019: 83.7%FY 2020: 92.4%FY 2021: 95.1%FY 2022: 92.5%FY 2023: 70.3%FY 2024: 100.0%FY 2025: 70.1%
FY 2016 5y median 92.5% FY 2025
Operating Margin 20.1%
FY 2016: 22.4%FY 2017: 11.7%FY 2018: 9.7%FY 2019: 14.6%FY 2020: 27.2%FY 2021: 15.7%FY 2022: 18.0%FY 2023: 11.2%FY 2024: 28.2%FY 2025: 20.1%
FY 2016 5y median 18.0% FY 2025
Net Margin 15.7%
FY 2016: 14.8%FY 2017: -2.8%FY 2018: 7.5%FY 2019: 11.2%FY 2020: 20.8%FY 2021: 12.9%FY 2022: 14.1%FY 2023: 8.9%FY 2024: 15.1%FY 2025: 15.7%
FY 2016 5y median 14.1% FY 2025
ROE 11.7%
FY 2016: 13.2%FY 2017: -1.4%FY 2018: 4.7%FY 2019: 7.2%FY 2020: 15.4%FY 2021: 7.5%FY 2022: 9.4%FY 2023: 6.4%FY 2024: 7.6%FY 2025: 11.7%
FY 2016 5y median 7.6% FY 2025
ROIC 6.6%
FY 2016: 5.0%FY 2017: -0.7%FY 2018: 2.2%FY 2019: 2.6%FY 2020: 9.2%FY 2021: 0.9%FY 2022: 1.0%FY 2023: 1.0%FY 2024: 0.8%FY 2025: 6.6%
FY 2016 5y median 1.0% FY 2025
ROA 1.0%
FY 2016: 0.9%FY 2017: -0.2%FY 2018: 0.4%FY 2019: 0.6%FY 2020: 1.5%FY 2021: 0.6%FY 2022: 0.6%FY 2023: 0.5%FY 2024: 0.6%FY 2025: 1.0%
FY 2016 5y median 0.6% FY 2025

Growth (YoY)

Revenue 77.4%
FY 2016: 18.4%FY 2017: 4.9%FY 2018: 30.6%FY 2019: 12.4%FY 2020: 39.6%FY 2021: -20.1%FY 2022: 3.2%FY 2023: 23.1%FY 2024: -24.4%FY 2025: 77.4%
FY 2016 FY 2025
Operating Income 26.5%
FY 2016: 114.2%FY 2017: -45.0%FY 2018: 8.4%FY 2019: 68.4%FY 2020: 160.1%FY 2021: -53.9%FY 2022: 18.2%FY 2023: -23.2%FY 2024: 90.2%FY 2025: 26.5%
FY 2016 FY 2025
EPS (diluted) 84.5%
FY 2016: -64.4%FY 2017: -122.8%FY 2018: 338.5%FY 2019: 64.5%FY 2020: 158.8%FY 2021: -50.8%FY 2022: 12.3%FY 2023: -23.3%FY 2024: 26.8%FY 2025: 84.5%
FY 2016 FY 2025
Free Cash Flow 239.0%
FY 2016: 200.2%FY 2017: -137.0%FY 2018: 128.1%FY 2019: -2585.8%FY 2020: 355.7%FY 2021: 3.1%FY 2022: -29.6%FY 2023: -63.3%FY 2024: -206.9%FY 2025: 239.0%
FY 2016 FY 2025

Financial Health

Current Ratio 0.0×
FY 2016: 0.1×FY 2017: 0.1×FY 2018: 0.1×FY 2019: 0.1×FY 2020: 0.2×FY 2021: 0.4×FY 2022: 0.1×FY 2023: 0.0×FY 2024: 43.8×FY 2025: 0.0×
FY 2016 5y median 0.1× FY 2025
Quick Ratio 0.0×
FY 2016: 0.1×FY 2017: 0.1×FY 2018: 0.1×FY 2019: 0.1×FY 2020: 0.2×FY 2021: 0.9×FY 2022: 0.2×FY 2023: 0.0×FY 2024: 43.8×FY 2025: 0.0×
FY 2016 5y median 0.2× FY 2025
Debt / Equity 0.5×
FY 2016: 1.8×FY 2017: 0.7×FY 2018: 0.7×FY 2019: 1.1×FY 2020: 0.5×FY 2021: 0.8×FY 2022: 1.1×FY 2023: 0.5×FY 2024: 0.3×FY 2025: 0.5×
FY 2016 5y median 0.5× FY 2025
Net Debt / EBITDA 2.7×
FY 2016: 3.4×FY 2017: 3.3×FY 2018: 0.1×FY 2019: 3.7×FY 2020: -4.2×FY 2021: -12.9×FY 2022: 4.0×FY 2023: 2.1×FY 2024: 0.0×FY 2025: 2.7×
FY 2016 5y median 2.1× FY 2025
Interest Coverage 0.7×
FY 2016: 4.1×FY 2017: 1.3×FY 2018: 0.9×FY 2019: 0.9×FY 2020: 3.6×FY 2021: 3.2×FY 2022: 2.4×FY 2023: 0.4×FY 2024: 0.5×FY 2025: 0.7×
FY 2016 5y median 0.7× FY 2025

Dividends

Dividend Yield 0.0%
FY 2016: 3.6%FY 2017: 0.0%FY 2018: 0.0%FY 2019: 0.0%FY 2020: 0.0%FY 2021: 0.0%FY 2022: 0.0%FY 2023: 0.0%FY 2024: 0.0%FY 2025: 0.0%
FY 2016 5y median 0.0% FY 2025
Payout Ratio 0.0%
FY 2016: 26.6%FY 2017: 0.0%FY 2018: 0.0%FY 2019: 0.0%FY 2020: 0.0%FY 2021: 0.0%FY 2022: 0.0%FY 2023: 0.0%FY 2024: 0.0%FY 2025: 0.0%
FY 2016 5y median 0.0% FY 2025

Annual · latest fiscal year ends 2025-12-31