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First Reliance BancsharesFSRL +0.30%45 3-Year EPS without NRI Growth Rate is 13.40% as of Jun. 2026, which is 458% above its 10-year median of 2.40. GuruFocus rates FSRL with a GF Score™ of 45/100 and a GF Value™ of $11.61 (Significantly Overvalued). The stock has 5 warning signs investors should review. Among 1,412 Banks companies, First Reliance Bancshares ranks better than 64.66% on this metric.
During the past 12 months, First Reliance Bancshares's average EPS without NRI Growth Rate was 65.60% per year.
During the past 3 years, the average EPS without NRI Growth Rate was 13.40% per year.
During the past 5 years, the average EPS without NRI Growth Rate was -2.90% 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 EPS without NRI growth rate.
During the past 13 years, the highest 3-Year average EPS without NRI Growth Rate of First Reliance Bancshares was 66.90% per year. The lowest was -85.10% per year. And the median was 2.40% per year.
First Reliance Bancshares (OTCPK:FSRL) 3-Year EPS without NRI Growth Rate Explanation
EPS without NRI is the amount of earnings without non-recurring items per outstanding share of the company's stock.
Earnings Per Share (EPS) is the single most important variable used by Wall Street in determining the earnings power of a company. But investors need to be aware that Earnings per Share can be easily manipulated by adjusting depreciation and amortization rate or non-recurring items. That's why GuruFocus lists Earnings per share without Non-Recurring Items, which better reflects the company's underlying performance.
First Reliance Bancshares 3-Year EPS without NRI Growth Rate Related Terms
FSRL vs TYFG, BKUT, PBCO: 3-Year EPS without NRI Growth Rate Comparison
For the Banks - Regional subindustry, First Reliance Bancshares's 3-Year EPS without NRI Growth Rate, along with its competitors' market caps and 3-Year EPS without NRI 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 EPS without NRI Growth Rate vs Banks Industry
For the Banks industry and Financial Services sector, First Reliance Bancshares's 3-Year EPS without NRI Growth Rate distribution charts can be found below:
* The bar in red indicates where First Reliance Bancshares's 3-Year EPS without NRI Growth Rate falls into.
First Reliance Bancshares 3-Year EPS without NRI Growth Rate Calculation
This is the 3-year average growth rate of EPS without NRI. 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 EPS without NRI growth rate.
What does a 3-Year EPS without NRI Growth Rate of 13.40% mean?
First Reliance Bancshares (FSRL) has a 3-Year EPS without NRI Growth Rate of 13.40% as of Jun. 2026. 3-Year EPS without NRI Growth Rate is the 3-year average growth rate of EPS without NRI. View historical data for First Reliance Bancshares and its competitors. This is 458% above median its historical median of 2.40. According to the industry distribution chart, First Reliance Bancshares ranks #499 out of 1412 companies in the Banks industry, placing it in the top 35.3%.
Is First Reliance Bancshares' 3-Year EPS without NRI Growth Rate too high?
First Reliance Bancshares' current 3-Year EPS without NRI Growth Rate of 13.40% is 458% above median its 10-year median of 2.40. The Banks industry median 3-Year EPS without NRI Growth Rate is 7.30. First Reliance Bancshares' value of 13.40% is 83.6% above this industry median. Based on the distribution chart, First Reliance Bancshares ranks #499 out of 1412 companies in the Banks industry, which is above the industry midpoint. 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 EPS without NRI Growth Rate compare to TYFG and BKUT?
According to the Banks industry distribution chart, First Reliance Bancshares ranks #499 out of 1412 companies for 3-Year EPS without NRI Growth Rate. This puts First Reliance Bancshares in the upper half of its industry. The industry median 3-Year EPS without NRI Growth Rate is 7.30. First Reliance Bancshares' value of 13.40% is 83.6% above this benchmark. While the company's 10-year median is 2.40 vs. the industry median of 7.30, 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 EPS without NRI Growth Rate for a Banks company?
The median 3-Year EPS without NRI Growth Rate among Banks companies is 7.30, based on 1,412 companies in the industry. Companies in the top quartile (top 25%) have a 3-Year EPS without NRI Growth Rate significantly above this median, while those in the bottom quartile fall well below. However, 3-Year EPS without NRI 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 EPS without NRI Growth Rate of 13.40% is 83.6% 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 EPS without NRI Growth Rate mean?
A high 3-Year EPS without NRI Growth Rate can signal that a stock is expensive relative to its fundamentals. 3-Year EPS without NRI Growth Rate is the 3-year average growth rate of EPS without NRI. View historical data for First Reliance Bancshares and its competitors. For the Banks industry, the median 3-Year EPS without NRI Growth Rate is 7.30 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. First Reliance Bancshares's current 3-Year EPS without NRI Growth Rate is 13.40%, which is 458% above median its own 10-year median of 2.40. 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 $11.61, compared to a current price of $19.80 — trading 70.5% above its estimated fair value. The current 3-Year EPS without NRI Growth Rate is 13.40%, which is 458% above median its 10-year median of 2.40 and 83.6% above the Banks industry median of 7.30. 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 EPS without NRI Growth Rate calculated?
3-Year EPS without NRI Growth Rate is calculated from a company's financial statements. For First Reliance Bancshares (FSRL), the current 3-Year EPS without NRI Growth Rate is 13.40% 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 $19.80 is trading 70.5% above its estimated GF Value™ of $11.61.
GuruFocus considers First Reliance Bancshares to be Significantly Overvalued.
Key valuation signals for FSRL:
3-Year EPS without NRI Growth Rate: 13.40% (458% above median its 10-year median of 2.40)
GF Value™: $11.61 vs. price of $19.80 (70.5% above fair value)
Industry Position: 83.6% above the Banks median (#499 of 1412)
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
Get the complete analysis for FSRL
3-Year EPS without NRI Growth Rate is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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