FSRL (First Reliance Bancshares) Unearned Income: $0.00 Mil (As of Jun. 2026)

Author: Vera Yuan Vera Yuan
Vera Yuan
Vera Yuan
Director of Data and Quant Analytics at GuruFocus
Focused on building reliable datasets, financial models, and research tools for value-minded investors. Committed to turning complex data into practical guidance for value-investing and long-term wealth.
Reviewed by: Charlie Tian Charlie Tian
Charlie Tian
Charlie Tian
Founder & CEO of GuruFocus
Dr. Charlie Tian is the founder and CEO of GuruFocus.com, a leading global investment research platform established in 2004. With a Ph.D. in physics, Dr. Tian transitioned from science to finance, applying a data-driven, disciplined approach to value investing.

FSRL First Reliance Bancshares Inc FSRL
45 GF Score
Price $19.47
GF Value $11.27
Valuation Significantly Overvalued
! 5 Warning Signs
View Full Analysis

What is First Reliance Bancshares Unearned Income?

First Reliance Bancshares FSRL -0.10% 45 Unearned Income is $0.00 Mil as of Jun. 2026. GuruFocus rates FSRL with a GF Score™ of 45/100 and a GF Value™ of $11.27 (Significantly Overvalued). The stock has 5 warning signs investors should review.

First Reliance Bancshares's Unearned Income for the quarter that ended in Jun. 2026 was $0.00 Mil.

First Reliance Bancshares Unearned Income Related Terms

First Reliance Bancshares Unearned Income Historical Data

* Premium members only.

The historical data trend for First Reliance Bancshares's Unearned Income can be seen below:

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

First Reliance Bancshares Unearned Income Chart

First Reliance Bancshares Annual Data
Trend Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
Unearned Income
Get a 7-Day Free Trial Premium Member Only Premium Member Only 0.00 0.00 0.00 0.00 0.00

First Reliance Bancshares Quarterly Data
Jun14 Sep14 Dec14 Dec15 Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Sep24 Dec24 Mar25 Jun25 Sep25 Dec25 Mar26 Jun26
Unearned Income Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only 0.00 0.00 0.00 0.00 0.00
FSRL
45GF Score
First Reliance Bancshares Inc FSRL
Unearned Income is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis

First Reliance Bancshares Unearned Income Calculation

Unearned Income is the income received but not yet earned, it represents the unearned amount that is netted against the total loan.

Frequently Asked Questions Learn more about Unearned Income →
What does a Unearned Income of $0.00 Mil mean?
First Reliance Bancshares (FSRL) has a Unearned Income of $0.00 Mil as of Jun. 2026. Unearned Income is the income received but not yet earned, it represents the unearned amount that is netted against the total loan. View historical data on First Reliance Bancshares and its competitors.
Is First Reliance Bancshares' Unearned Income too high?
First Reliance Bancshares' current Unearned Income is $0.00 Mil. 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' Unearned Income compare to TYFG and BKUT?
First Reliance Bancshares' Unearned Income of $0.00 Mil can be compared against companies in the Banks industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Unearned Income for a Banks company?
A good Unearned Income depends on the Banks industry context. However, Unearned Income should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Unearned Income mean?
A high Unearned Income can signal that a stock is expensive relative to its fundamentals. Unearned Income is the income received but not yet earned, it represents the unearned amount that is netted against the total loan. View historical data on First Reliance Bancshares and its competitors. First Reliance Bancshares's current Unearned Income is $0.00 Mil. 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 $11.27, compared to a current price of $19.47 — trading 72.8% above its estimated fair value. The current Unearned Income is $0.00 Mil. 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 Unearned Income calculated?
Unearned Income is calculated from a company's financial statements. For First Reliance Bancshares (FSRL), the current Unearned Income is $0.00 Mil 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 $19.47 is trading 72.8% above its estimated GF Value™ of $11.27. GuruFocus considers First Reliance Bancshares to be Significantly Overvalued.

Key valuation signals for FSRL:

  • Unearned Income: $0.00 Mil
  • GF Value™: $11.27 vs. price of $19.47 (72.8% above fair value)
  • GF Score™: 45/100 with 5 warning signs

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 Business Description

Address 2170 West Palmetto Street, Florence, SC, USA, 29501
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

Get the complete analysis for FSRL

Unearned Income is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$19.47
Price
$11.27
GF Value