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The 10-Year Sharpe Ratio measures the additional return that an investor receives per unit of increase in risk over the past ten years. As of today (2026-09-05), First Reliance Bancshares's 10-Year Sharpe Ratio is 0.56.
First Reliance Bancshares (OTCPK:FSRL) 10-Year Sharpe Ratio Explanation
The 10-Year Sharpe Ratio inidicates the risk-adjusted return of an investment over the past ten years. It is calculated as the annualized result of the average ten-year monthly excess returns divided by its standard deviation in the ten-year period. The monthly excess return is the monthly investment return minus the monthly risk-free rate (typically the 10-year Treasury Constant Maturity Rate). If the risk-free rate for a specific region is not available, U.S. data is used by default.
The greater a portfolio's Sharpe Ratio, the better its risk-adjusted performance. A negative Sharpe Ratio means the risk-free rate is greater than the portfolio’s historical or projected return, or else the portfolio's return is expected to be negative.
First Reliance Bancshares 10-Year Sharpe Ratio Related Terms
FSRL vs WRIV, SLBK, BCBP: 10-Year Sharpe Ratio Comparison
For the Banks - Regional subindustry, First Reliance Bancshares's 10-Year Sharpe Ratio, along with its competitors' market caps and 10-Year Sharpe Ratio 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 10-Year Sharpe Ratio vs Banks Industry
For the Banks industry and Financial Services sector, First Reliance Bancshares's 10-Year Sharpe Ratio distribution charts can be found below:
* The bar in red indicates where First Reliance Bancshares's 10-Year Sharpe Ratio falls into.
First Reliance Bancshares 10-Year Sharpe Ratio Calculation
The 10-Year Sharpe Ratio measures the performance of an investment such as a stock or portfolio compared to a risk-free asset in the last ten years. A stock / portfolio's 10-Year Sharpe Ratio can be calculated by dividing the difference between the ten-year average monthly returns of the investment and the risk-free rate, by the standard deviation of the investment returns over the past ten years.
First Reliance Bancshares (FSRL) has a 10-Year Sharpe Ratio of 0.56 as of Sep. 05, 2026. 10-Year Sharpe Ratio measures the additional return that an investor receives per unit of increase in risk over the past ten years. View historical data for First Reliance Bancshares and its competitors.
Is First Reliance Bancshares' 10-Year Sharpe Ratio too high?
First Reliance Bancshares' current 10-Year Sharpe Ratio is 0.56. Overall, First Reliance Bancshares has a GF Score™ of 39/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does First Reliance Bancshares' 10-Year Sharpe Ratio compare to WRIV and SLBK?
First Reliance Bancshares' 10-Year Sharpe Ratio of 0.56 can be compared against companies in the Banks industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good 10-Year Sharpe Ratio for a Banks company?
A good 10-Year Sharpe Ratio depends on the Banks industry context. However, 10-Year Sharpe Ratio 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 10-Year Sharpe Ratio mean?
A high 10-Year Sharpe Ratio can signal that a stock is expensive relative to its fundamentals. 10-Year Sharpe Ratio measures the additional return that an investor receives per unit of increase in risk over the past ten years. View historical data for First Reliance Bancshares and its competitors. First Reliance Bancshares's current 10-Year Sharpe Ratio is 0.56. 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 $11.18, compared to a current price of $19.75 — trading 76.7% above its estimated fair value. The current 10-Year Sharpe Ratio is 0.56. First Reliance Bancshares' overall GF Score™ is 39/100 with 5 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is 10-Year Sharpe Ratio calculated?
10-Year Sharpe Ratio is calculated from a company's financial statements. For First Reliance Bancshares (FSRL), the current 10-Year Sharpe Ratio is 0.56 as of Sep. 05, 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 $19.75 is trading 76.7% above its estimated GF Value™ of $11.18.
GuruFocus considers First Reliance Bancshares to be Significantly Overvalued.
Key valuation signals for FSRL:
10-Year Sharpe Ratio: 0.56
GF Value™: $11.18 vs. price of $19.75 (76.7% 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.
39GF Score
Get the complete analysis for FSRL
10-Year Sharpe Ratio is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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