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First Reliance BancsharesFSRL 45 3-Year Book Growth Rate is 15.20% as of Jun. 2026, which is 271% above its 10-year median of 4.10. GuruFocus rates FSRL with a GF Scoreâ„¢ of 45/100 and a GF Valueâ„¢ of $11.34 (Significantly Overvalued). The stock has 5 warning signs investors should review. Among 1,495 Banks companies, First Reliance Bancshares ranks better than 79.4% on this metric.
During the past 3 years, the average Book Value per Share Growth Rate was 15.20% per year.
During the past 5 years, the average Book Value per Share Growth Rate was 6.10% per year.
During the past 10 years, the average Book Value per Share Growth Rate was 7.40% per year.
Please click Growth Rate Calculation Example (GuruFocus) to see how GuruFocus calculates Wal-Mart Stores Inc (WMT)'s revenue growth rate. You can apply the same method to get the average Book Value per Share growth rate.
During the past 13 years, the highest 3-Year average Book Value per Share Growth Rate of First Reliance Bancshares was 52.20% per year. The lowest was -22.00% per year. And the median was 4.10% per year.
First Reliance Bancshares (OTCPK:FSRL) 3-Year Book Growth Rate Explanation
Book Value per Share is the ratio of equity available to common shareholders divided by the shares outstanding. Book value per share effectively indicates a firm's net asset value on a per-share basis. It can be used by investors to gauge whether a stock price is undervalued by comparing it to the firm's market value per share. Theoretically, it is what the shareholders will receive if the company is liquidated.
First Reliance Bancshares 3-Year Book Growth Rate Related Terms
FSRL vs TYFG, BKUT, PBCO: 3-Year Book Growth Rate Comparison
For the Banks - Regional subindustry, First Reliance Bancshares's 3-Year Book Growth Rate, along with its competitors' market caps and 3-Year Book Growth Rate data, can be viewed below:
* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.
First Reliance Bancshares 3-Year Book Growth Rate vs Banks Industry
For the Banks industry and Financial Services sector, First Reliance Bancshares's 3-Year Book Growth Rate distribution charts can be found below:
* The bar in red indicates where First Reliance Bancshares's 3-Year Book Growth Rate falls into.
First Reliance Bancshares 3-Year Book Growth Rate Calculation
This is the 3-year average growth rate of Book Value per Share. The growth rate is calculated using exponential compounding based on the latest four year annual data.
Please click Growth Rate Calculation Example (GuruFocus) to see how GuruFocus calculates Wal-Mart Stores Inc (WMT)'s revenue growth rate. You can apply the same method to get the average Book Value per Share growth rate.
What does a 3-Year Book Growth Rate of 15.20% mean?
First Reliance Bancshares (FSRL) has a 3-Year Book Growth Rate of 15.20% as of Jun. 2026. 3-Year Book Growth Rate is the 3-year average growth rate of Book Value per Share. View historical data for First Reliance Bancshares and its competitors. This is 271% above median its historical median of 4.10. According to the industry distribution chart, First Reliance Bancshares ranks #308 out of 1495 companies in the Banks industry, placing it in the top 20.6%.
Is First Reliance Bancshares' 3-Year Book Growth Rate too high?
First Reliance Bancshares' current 3-Year Book Growth Rate of 15.20% is 271% above median its 10-year median of 4.10. The Banks industry median 3-Year Book Growth Rate is 8.80. First Reliance Bancshares' value of 15.20% is 72.7% above this industry median. Based on the distribution chart, First Reliance Bancshares ranks #308 out of 1495 companies in the Banks industry, which is in the top quartile — a strong position relative to peers. Overall, First Reliance Bancshares has a GF Score™ of 45/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does First Reliance Bancshares' 3-Year Book Growth Rate compare to TYFG and BKUT?
According to the Banks industry distribution chart, First Reliance Bancshares ranks #308 out of 1495 companies for 3-Year Book Growth Rate. This places First Reliance Bancshares in the top 21% of its industry — outperforming the majority of peers. The industry median 3-Year Book Growth Rate is 8.80. First Reliance Bancshares' value of 15.20% is 72.7% above this benchmark. While the company's 10-year median is 4.10 vs. the industry median of 8.80, First Reliance Bancshares has consistently been above the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good 3-Year Book Growth Rate for a Banks company?
The median 3-Year Book Growth Rate among Banks companies is 8.80, based on 1,495 companies in the industry. Companies in the top quartile (top 25%) have a 3-Year Book Growth Rate significantly above this median, while those in the bottom quartile fall well below. However, 3-Year Book Growth Rate should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. First Reliance Bancshares's current 3-Year Book Growth Rate of 15.20% is 72.7% above the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high 3-Year Book Growth Rate mean?
A high 3-Year Book Growth Rate can signal that a stock is expensive relative to its fundamentals. 3-Year Book Growth Rate is the 3-year average growth rate of Book Value per Share. View historical data for First Reliance Bancshares and its competitors. For the Banks industry, the median 3-Year Book Growth Rate is 8.80 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. First Reliance Bancshares's current 3-Year Book Growth Rate is 15.20%, which is 271% above median its own 10-year median of 4.10. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is First Reliance Bancshares stock overvalued right now?
Based on GuruFocus' analysis, First Reliance Bancshares (FSRL) is currently considered Significantly Overvalued. The stock's GF Value™ is $11.34, compared to a current price of $19.70 — trading 73.7% above its estimated fair value. The current 3-Year Book Growth Rate is 15.20%, which is 271% above median its 10-year median of 4.10 and 72.7% above the Banks industry median of 8.80. First Reliance Bancshares' overall GF Score™ is 45/100 with 5 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is 3-Year Book Growth Rate calculated?
3-Year Book Growth Rate is calculated from a company's financial statements. For First Reliance Bancshares (FSRL), the current 3-Year Book Growth Rate is 15.20% as of Jun. 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.
Is First Reliance Bancshares (FSRL) Overvalued in 2026?
Based on GuruFocus' analysis, First Reliance Bancshares stock appears to be overvalued.
The current stock price of $19.70 is trading 73.7% above its estimated GF Value™ of $11.34.
GuruFocus considers First Reliance Bancshares to be Significantly Overvalued.
Key valuation signals for FSRL:
3-Year Book Growth Rate: 15.20% (271% above median its 10-year median of 4.10)
GF Value™: $11.34 vs. price of $19.70 (73.7% above fair value)
Industry Position: 72.7% above the Banks median (#308 of 1495)
No single metric tells the full story. See the FSRL stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
First Reliance Bancshares Inc operates as a South Carolina-chartered commercial bank providing banking services across domestic markets in South Carolina. Its deposits are insured by the Federal Deposit Insurance Corporation (FDIC). The Company mainly offers loans to individuals and small businesses for a range of personal and commercial purposes, mainly in South Carolina and North Carolina. It also provides a range of services, including personal banking, business banking, treasury services, and online and mobile banking, etc.
45GF Score
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3-Year Book Growth Rate is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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