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First Reliance BancsharesFSRL 45 Cash-to-Debt is 0.29 as of Jun. 2026, which is 60% below its 10-year median of 0.73. GuruFocus rates FSRL with a GF Score™ of 45/100 and a GF Value™ of $11.34 (Significantly Overvalued). The stock has 5 warning signs investors should review. Among 1,490 Banks companies, First Reliance Bancshares ranks worse than 84.83% on this metric.
Cash to Debt Ratio measures the financial strength of a company. It is calculated as a company's cash, cash equivalents, and marketable securities divide by its debt. First Reliance Bancshares's cash to debt ratio for the quarter that ended in Jun. 2026 was 0.29.
If Cash to Debt ratio is less than 1, the company cannot pay off its debt using the cash in hand. Here we can see, First Reliance Bancsharescouldn't pay off its debt using the cash in hand for the quarter that ended in Jun. 2026.
The historical rank and industry rank for First Reliance Bancshares's Cash-to-Debt or its related term are showing as below:
FSRL'
s Cash-to-Debt Range Over the Past 10 Years
Min: 0.29 Med: 0.73 Max: 3.54
Current: 0.29
During the past 13 years, First Reliance Bancshares's highest Cash to Debt Ratio was 3.54. The lowest was 0.29. And the median was 0.73.
FSRL's Cash-to-Debt is ranked worse than 84.83% of 1490
companies
in the Banks industry
Industry Median: 1.4
vs FSRL: 0.29
First Reliance Bancshares (OTCPK:FSRL) Cash-to-Debt Explanation
If Cash to Debt ratio is greater than 1, the company can pay off its debt using the cash in hand. If it is smaller than 1, it means the company has more debt than the cash in hands. In this case, it is important to look the the company's Interest Coverage. Ben Graham requires that a company must have an Interest Coverage of at least 5.
First Reliance Bancshares Cash-to-Debt Related Terms
First Reliance Bancshares Cash-to-Debt Historical Data
* 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.
Note: An indication of "No Debt" does not necessarily mean that the company has no debt obligations; it could be due to missing data in the quarterly or annual report. Use caution when interpreting this information.
For the Banks - Regional subindustry, First Reliance Bancshares's Cash-to-Debt, along with its competitors' market caps and Cash-to-Debt 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 Cash-to-Debt vs Banks Industry
For the Banks industry and Financial Services sector, First Reliance Bancshares's Cash-to-Debt distribution charts can be found below:
* The bar in red indicates where First Reliance Bancshares's Cash-to-Debt falls into.
* 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 (FSRL) has a Cash-to-Debt of 0.29 as of Jun. 2026. This is 60% below median its historical median of 0.73. Over the past decade, First Reliance Bancshares' Cash-to-Debt has ranged from 0.29 to 3.54. According to the industry distribution chart, First Reliance Bancshares ranks #1264 out of 1490 companies in the Banks industry, placing it in the top 84.8%.
Is First Reliance Bancshares' Cash-to-Debt too high?
First Reliance Bancshares' current Cash-to-Debt of 0.29 is 60% below median its 10-year median of 0.73. Over the past 10 years, this metric has ranged from a low of 0.29 to a high of 3.54. The Banks industry median Cash-to-Debt is 1.40. First Reliance Bancshares' value of 0.29 is 79.3% below this industry median. Based on the distribution chart, First Reliance Bancshares ranks #1264 out of 1490 companies in the Banks industry, which is in the bottom quartile 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' Cash-to-Debt compare to TYFG and BKUT?
According to the Banks industry distribution chart, First Reliance Bancshares ranks #1264 out of 1490 companies for Cash-to-Debt. This places First Reliance Bancshares in the lower half of its industry. The industry median Cash-to-Debt is 1.40. First Reliance Bancshares' value of 0.29 is 79.3% below this benchmark. Historically, First Reliance Bancshares' own Cash-to-Debt has ranged from 0.29 to 3.54 over the past decade. While the company's 10-year median is 0.73 vs. the industry median of 1.40, First Reliance Bancshares has consistently been below 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 Cash-to-Debt for a Banks company?
The median Cash-to-Debt among Banks companies is 1.40, based on 1,490 companies in the industry. Companies in the top quartile (top 25%) have a Cash-to-Debt significantly above this median, while those in the bottom quartile fall well below. However, Cash-to-Debt should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. First Reliance Bancshares's current Cash-to-Debt of 0.29 is 79.3% below 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 Cash-to-Debt mean?
A high Cash-to-Debt can signal that a stock is expensive relative to its fundamentals. For the Banks industry, the median Cash-to-Debt is 1.40 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. First Reliance Bancshares's current Cash-to-Debt is 0.29, which is 60% below median its own 10-year median of 0.73. 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 Cash-to-Debt is 0.29, which is 60% below median its 10-year median of 0.73 and 79.3% below the Banks industry median of 1.40. 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 Cash-to-Debt calculated?
Cash-to-Debt is calculated from a company's financial statements. For First Reliance Bancshares (FSRL), the current Cash-to-Debt is 0.29 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:
Cash-to-Debt: 0.29 (60% below median its 10-year median of 0.73)
GF Value™: $11.34 vs. price of $19.70 (73.7% above fair value)
Industry Position: 79.3% below the Banks median (#1264 of 1490)
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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