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* 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.
For the Banks - Regional subindustry, First Reliance Bancshares's OCF Margin %, along with its competitors' market caps and OCF Margin % 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 OCF Margin % vs Banks Industry
For the Banks industry and Financial Services sector, First Reliance Bancshares's OCF Margin % distribution charts can be found below:
* The bar in red indicates where First Reliance Bancshares's OCF Margin % 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 OCF Margin % of 0.00% as of Jun. 2026. OCF Margin is the ratio of Cash Flow from Operations to Total Revenue. View historical data on First Reliance Bancshares and its competitors. According to the industry distribution chart, First Reliance Bancshares ranks #583 out of 1497 companies in the Banks industry, placing it in the top 38.9%.
Is First Reliance Bancshares' OCF Margin % too high?
First Reliance Bancshares' current OCF Margin % is 0.00%. Based on the distribution chart, First Reliance Bancshares ranks #583 out of 1497 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' OCF Margin % compare to TYFG and BKUT?
According to the Banks industry distribution chart, First Reliance Bancshares ranks #583 out of 1497 companies for OCF Margin %. This puts First Reliance Bancshares in the upper half of its industry. The industry median OCF Margin % is 29.33. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good OCF Margin % for a Banks company?
The median OCF Margin % among Banks companies is 29.33, based on 1,497 companies in the industry. Companies in the top quartile (top 25%) have a OCF Margin % significantly above this median, while those in the bottom quartile fall well below. However, OCF Margin % 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 OCF Margin % mean?
A high OCF Margin % can signal that a stock is expensive relative to its fundamentals. OCF Margin is the ratio of Cash Flow from Operations to Total Revenue. View historical data on First Reliance Bancshares and its competitors. For the Banks industry, the median OCF Margin % is 29.33 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. First Reliance Bancshares's current OCF Margin % is 0.00%. 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 OCF Margin % is 0.00%. 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 OCF Margin % calculated?
OCF Margin % is calculated from a company's financial statements. For First Reliance Bancshares (FSRL), the current OCF Margin % is 0.00% 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:
OCF Margin %: 0.00%
GF Value™: $11.61 vs. price of $19.80 (70.5% above fair value)
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
OCF Margin % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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