FSRL (First Reliance Bancshares) Tariff Resilience Score: 9/10 (As of Aug. 03, 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 Tariff Resilience Score?

First Reliance Bancshares FSRL +0.30% 45 Tariff Resilience Score is 9 as of Aug. 03, 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 1,605 Banks companies, First Reliance Bancshares ranks better than 99.31% on this metric.

First Reliance Bancshares has the Tariff Resilience Score of 9, which implies that the company might have Highly Resilient.

First Reliance Bancshares has As a financial institution, it has minimal direct exposure to tariffs. Indirect effects may arise from client industries, but overall impact is limited.

Tariff Resilience Score is a ranking system developed by GuruFocus to measure a company's exposure to international trade tariffs, rated on a scale from 0 to 10. It takes into account key factors such as global supply chain dependencies, manufacturing locations versus sales markets, import / export balance and percentage of revenue, and more.

The company's exposure to international trade tariffs based on these criteria:

1. Global supply chain dependencies
2. Manufacturing locations versus sales markets
3. Import/export balance and percentage of revenue
4. Historical impact from previous tariff changes
5. Available mitigation strategies (alternative suppliers, pricing power)
6. Industry-specific tariff exemptions or vulnerabilities

Based on the research, GuruFocus believes First Reliance Bancshares might have Highly Resilient.

First Reliance Bancshares  (OTCPK:FSRL) Tariff Resilience Score Explanation

The Tariff Resilience Score ranges from 0 to 10, with 10 as the most resilient. GuruFocus divided Moat Score into following 3 categories:

Tariff Resilience Score Resilience Level
7 - 10Highly Resilient
4 - 6Average Resilient
0 - 3Highly Vulnerable

First Reliance Bancshares Tariff Resilience Score Related Terms

FSRL vs TYFG, BKUT, PBCO: Tariff Resilience Score Comparison

For the Banks - Regional subindustry, First Reliance Bancshares's Tariff Resilience Score, along with its competitors' market caps and Tariff Resilience Score 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 Tariff Resilience Score vs Banks Industry

For the Banks industry and Financial Services sector, First Reliance Bancshares's Tariff Resilience Score distribution charts can be found below:

* The bar in red indicates where First Reliance Bancshares's Tariff Resilience Score falls into.


FSRL
45GF Score
First Reliance Bancshares Inc FSRL
Tariff Resilience Score is just one metric. See GF Score™, valuation, warning signs, and more.
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What does a Tariff Resilience Score of 9 mean?
First Reliance Bancshares (FSRL) has a Tariff Resilience Score of 9 as of Aug. 03, 2026. Tariff Score is a ranking system developed by GuruFocus to measure a company's exposure to international trade tariffs, rated on a scale from 0 to 10. It takes into account key factors such as global supply chain dependencies, manufacturing locations versus sales markets, import / export balance and percentage of revenue, and more. According to the industry distribution chart, First Reliance Bancshares ranks #11 out of 1605 companies in the Banks industry, placing it in the top 0.7%.
Is First Reliance Bancshares' Tariff Resilience Score too high?
First Reliance Bancshares' current Tariff Resilience Score is 9. Based on the distribution chart, First Reliance Bancshares ranks #11 out of 1605 companies in the Banks industry, which is in the top quartile — a strong position 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' Tariff Resilience Score compare to TYFG and BKUT?
According to the Banks industry distribution chart, First Reliance Bancshares ranks #11 out of 1605 companies for Tariff Resilience Score. This places First Reliance Bancshares in the top 1% of its industry — outperforming the majority of peers. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Tariff Resilience Score for a Banks company?
A good Tariff Resilience Score depends on the Banks industry context. However, Tariff Resilience Score 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 Tariff Resilience Score mean?
A high Tariff Resilience Score can signal that a stock is expensive relative to its fundamentals. Tariff Score is a ranking system developed by GuruFocus to measure a company's exposure to international trade tariffs, rated on a scale from 0 to 10. It takes into account key factors such as global supply chain dependencies, manufacturing locations versus sales markets, import / export balance and percentage of revenue, and more. First Reliance Bancshares's current Tariff Resilience Score is 9. 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 Tariff Resilience Score is 9. 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 Tariff Resilience Score calculated?
Tariff Resilience Score is calculated from a company's financial statements. For First Reliance Bancshares (FSRL), the current Tariff Resilience Score is 9 as of Aug. 03, 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:

  • Tariff Resilience Score: 9
  • 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

Tariff Resilience Score is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$19.80
Price
$11.61
GF Value