FSRL (First Reliance Bancshares) 5-Year RORE % : 0.00% (As of Jun. 2026)

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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
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What is First Reliance Bancshares 5-Year RORE %?

First Reliance Bancshares FSRL +0.30% 45 5-Year RORE % is 0.00 as of Jun. 2026. 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 1,406 Banks companies, First Reliance Bancshares ranks worse than 71123.68% on this metric.

Return on Retained Earnings (RORE) is an indicator of a company's growth potential, it shows how much a company earns by reinvesting its retained earnings, i.e. profits after dividend payments. First Reliance Bancshares's 5-Year RORE % for the quarter that ended in Jun. 2026 was 0.00%.

The industry rank for First Reliance Bancshares's 5-Year RORE % or its related term are showing as below:

FSRL's 5-Year RORE % is not ranked *
in the Banks industry.
Industry Median: 9.93
* Ranked among companies with meaningful 5-Year RORE % only.

First Reliance Bancshares  (OTCPK:FSRL) 5-Year RORE % Explanation

Return on Retained Earnings (RORE) is important to investors because it reveals a company's efficiency and growth potential. A higher RORE indicates a higher return. A high RORE indicates that the company should reinvest profits into the business. A lower RORE suggests that the company should distribute profits to shareholders by paying out dividends, since those dollars aren't generating much additional growth for the company.

There are a several different ways to arrive at the Return on Retained Earnings. The simplest way to calculate it is by using published information on Earnings per Share (EPS) and Dividend per Share (DPS) over a selected period. Here, 5-year period is chosen.

Be Aware

Please keep in mind that the RORE is relative to the nature of the business and its competitors. If another company in the same sector is producing a lower return on retained earnings, it doesn’t necessarily mean it’s a bad investment. It may just suggest the company is older and no longer in a high growth stage. At such a stage in the business cycle, it would be expected to see a lower RORE and higher dividend payout.


First Reliance Bancshares 5-Year RORE % Related Terms


First Reliance Bancshares 5-Year RORE % Historical Data

* Premium members only.

The historical data trend for First Reliance Bancshares's 5-Year RORE % 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 5-Year RORE % Chart

First Reliance Bancshares Annual Data
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5-Year RORE %
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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
5-Year RORE % 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 0.00 0.00 0.00

FSRL vs TYFG, BKUT, PBCO: 5-Year RORE % Comparison

For the Banks - Regional subindustry, First Reliance Bancshares's 5-Year RORE %, along with its competitors' market caps and 5-Year RORE % 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 5-Year RORE % vs Banks Industry

For the Banks industry and Financial Services sector, First Reliance Bancshares's 5-Year RORE % distribution charts can be found below:

* The bar in red indicates where First Reliance Bancshares's 5-Year RORE % falls into.


FSRL
45GF Score
First Reliance Bancshares Inc FSRL
5-Year RORE % is just one metric. See GF Score™, valuation, warning signs, and more.
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First Reliance Bancshares 5-Year RORE % Calculation

First Reliance Bancshares's 5-Year RORE % for the quarter that ended in Jun. 2026 is calculated as:

5-Year RORE %=( Most Recent EPS (Diluted)- First Period EPS (Diluted) )/( Cumulative EPS (Diluted) for 5-year -Cumulative Dividends per Share for 5-year )
=( - )/( 3.04-0 )
=/3.04
=0.00 %

* 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.

In the calculation of 5-Year RORE %, the most recent and first period EPS (Diluted) is the trailing twelve months (TTM) data ended in Jun. 2026 and 5-year before.

Frequently Asked Questions Learn more about 5-Year RORE % →
What does a 5-Year RORE % of 0.00 mean?
First Reliance Bancshares (FSRL) has a 5-Year RORE % of 0.00 as of Jun. 2026. 5-Year RORE % shows how much a company earns by reinvesting its retained earnings in 5-year. View historical data on First Reliance Bancshares and its competitors. According to the industry distribution chart, First Reliance Bancshares ranks #999999 out of 1406 companies in the Banks industry.
Is First Reliance Bancshares' 5-Year RORE % too high?
First Reliance Bancshares' current 5-Year RORE % is 0.00. Based on the distribution chart, First Reliance Bancshares ranks #999999 out of 1406 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' 5-Year RORE % compare to TYFG and BKUT?
According to the Banks industry distribution chart, First Reliance Bancshares ranks #999999 out of 1406 companies for 5-Year RORE %. This places First Reliance Bancshares in the lower half of its industry. The industry median 5-Year RORE % is 9.93. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good 5-Year RORE % for a Banks company?
The median 5-Year RORE % among Banks companies is 9.93, based on 1,406 companies in the industry. Companies in the top quartile (top 25%) have a 5-Year RORE % significantly above this median, while those in the bottom quartile fall well below. However, 5-Year RORE % 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 5-Year RORE % mean?
A high 5-Year RORE % can signal that a stock is expensive relative to its fundamentals. 5-Year RORE % shows how much a company earns by reinvesting its retained earnings in 5-year. View historical data on First Reliance Bancshares and its competitors. For the Banks industry, the median 5-Year RORE % is 9.93 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. First Reliance Bancshares's current 5-Year RORE % 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 5-Year RORE % 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 5-Year RORE % calculated?
5-Year RORE % is calculated from a company's financial statements. For First Reliance Bancshares (FSRL), the current 5-Year RORE % 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:

  • 5-Year RORE %: 0.00
  • 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

5-Year RORE % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$19.80
Price
$11.61
GF Value