FSRL (First Reliance Bancshares) EV-to-OCF: (As of Aug. 03, 2026)

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Director of Data and Quant Analytics at GuruFocus
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FSRL First Reliance Bancshares Inc FSRL
45 GF Score
Price $19.80
GF Value $11.61
Valuation Significantly Overvalued
! 5 Warning Signs
View Full Analysis

What is First Reliance Bancshares EV-to-OCF?

EV-to-OCF is calculated as enterprise value divided by its cash flow from operations. As of today, First Reliance Bancshares's Enterprise Value is $224.06 Mil. First Reliance Bancshares's Cash Flow from Operations for the trailing twelve months (TTM) ended in Jun. 2026 was $0.00 Mil. Therefore, First Reliance Bancshares's EV-to-OCF for today is .

The historical rank and industry rank for First Reliance Bancshares's EV-to-OCF or its related term are showing as below:

FSRL' s EV-to-OCF Range Over the Past 10 Years
Min: 12.43   Med: 0   Max: 12.54
Current: 12.48

During the past 13 years, the highest EV-to-OCF of First Reliance Bancshares was 12.54. The lowest was 12.43. And the median was .

FSRL's EV-to-OCF is ranked worse than
75.58% of 1499 companies
in the Banks industry
Industry Median: 3.98 vs FSRL: 12.48

EV-to-OCF is a valuation multiple that allows analysts and investors to compare stocks, preferably in the same sector or industry. This important multiple is often used in conjunction with, or as an alternative to, the PE Ratio (TTM) to determine the fair market value of a company.

As of today (2026-08-03), First Reliance Bancshares's stock price is $19.80. First Reliance Bancshares's Earnings per Share (Diluted) for the trailing twelve months (TTM) ended in Jun. 2026 was $1.440. Therefore, First Reliance Bancshares's PE Ratio (TTM) for today is 13.75.


First Reliance Bancshares  (OTCPK:FSRL) EV-to-OCF Explanation

EV-to-OCF is a valuation multiple that allows analysts and investors to compare stocks, preferably in the same sector or industry. This important multiple is often used in conjunction with, or as an alternative to, the PE Ratio (TTM) to determine the fair market value of a company.

First Reliance Bancshares's PE Ratio (TTM) for today is calculated as:

PE Ratio (TTM)=Share Price (Today)/Earnings per Share (Diluted) (TTM)
=19.80/1.440
=13.75

First Reliance Bancshares's share price for today is $19.80.
First Reliance Bancshares's Earnings per Share (Diluted) for the trailing twelve months (TTM) ended in Jun. 2026 adds up the quarterly data reported by the company within the most recent 12 months, which was $1.440.

* 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.

Enterprise Value is used because it is a more complete measure in reflecting how much an investor pays when buying a company. Cash Flow from Operations is an important financial metric because it represents the cash generated from operating activities at a company's disposal. Companies with a low EV-to-OCF ratio, combined with a strong balance sheet are generally considered as undervalued.


First Reliance Bancshares EV-to-OCF Related Terms


First Reliance Bancshares EV-to-OCF Historical Data

* Premium members only.

The historical data trend for First Reliance Bancshares's EV-to-OCF 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 EV-to-OCF Chart

First Reliance Bancshares Annual Data
Trend Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
EV-to-OCF
Get a 7-Day Free Trial Premium Member Only Premium Member Only -0.60 3.90 8.85 -6.78 6.01

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
EV-to-OCF 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 6.01 0.00 0.00

FSRL vs TYFG, BKUT, PBCO: EV-to-OCF Comparison

For the Banks - Regional subindustry, First Reliance Bancshares's EV-to-OCF, along with its competitors' market caps and EV-to-OCF 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 EV-to-OCF vs Banks Industry

For the Banks industry and Financial Services sector, First Reliance Bancshares's EV-to-OCF distribution charts can be found below:

* The bar in red indicates where First Reliance Bancshares's EV-to-OCF falls into.


FSRL
45GF Score
First Reliance Bancshares Inc FSRL
EV-to-OCF is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis

First Reliance Bancshares EV-to-OCF Calculation

First Reliance Bancshares's EV-to-OCF for today is calculated as:

EV-to-OCF=Enterprise Value (Today)/Cash Flow from Operations (TTM)
=224.058/0
=

First Reliance Bancshares's current Enterprise Value is $224.06 Mil.
First Reliance Bancshares's Cash Flow from Operations for the trailing twelve months (TTM) ended in Jun. 2026 adds up the quarterly data reported by the company within the most recent 12 months, which was $0.00 Mil.

* 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.

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:

  • EV-to-OCF:
  • GF Value™: $11.61 vs. price of $19.80 (70.5% 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

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

$19.80
Price
$11.61
GF Value