FSRL (First Reliance Bancshares) EV-to-FCF: (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-FCF?

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

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

FSRL' s EV-to-FCF Range Over the Past 10 Years
Min: 0   Med: 0   Max: 17.08
Current: 16.99

During the past 13 years, the highest EV-to-FCF of First Reliance Bancshares was 17.08. The lowest was 0.00. And the median was 0.00.

FSRL's EV-to-FCF is ranked worse than
77.65% of 1199 companies
in the Banks industry
Industry Median: 7.18 vs FSRL: 16.99

EV-to-FCF 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-FCF Explanation

EV-to-FCF 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. Free Cash Flow is an important financial metric because it represents the actual amount of cash at a company's disposal. Companies with a low EV-to-FCF ratio, combined with a strong balance sheet are generally considered as undervalued.


First Reliance Bancshares EV-to-FCF Related Terms


First Reliance Bancshares EV-to-FCF Historical Data

* Premium members only.

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

First Reliance Bancshares Annual Data
Trend Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
EV-to-FCF
Get a 7-Day Free Trial Premium Member Only Premium Member Only -0.69 4.08 9.47 -6.38 8.19

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-FCF 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 8.19 0.00 0.00

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

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

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

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


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

First Reliance Bancshares EV-to-FCF Calculation

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

EV-to-FCF=Enterprise Value (Today)/Free Cash Flow (TTM)
=224.058/0
=

First Reliance Bancshares's current Enterprise Value is $224.06 Mil.
First Reliance Bancshares's Free Cash Flow 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-FCF:
  • 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-FCF is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$19.80
Price
$11.61
GF Value