Company Analysis First Reliance Bancshares, Inc.
1. Summary
Advantages
- The stock's return over the last year (17.39%) is higher than the sector average (15.93%).
- Current debt level 2.41% is below 100% and has decreased over 5 years from 14.42%.
Disadvantages
- Price (9.43 $) is higher than fair price (7.29 $)
- Dividends (0%) are below the sector average (6.87%).
- The company's current efficiency (ROE=7.94%) is lower than the sector average (ROE=131.94%)
Similar companies
2. Share price and performance
2.1. Share price
2.3. Market efficiency
| First Reliance Bancshares, Inc. | Financials | Index | |
|---|---|---|---|
| 7 days | 0.2% | 0% | 0.8% |
| 90 days | -2.6% | 0% | 7.2% |
| 1 year | 17.4% | 15.9% | 12.2% |
FSRL vs Sector: First Reliance Bancshares, Inc. has outperformed the "Financials" sector by 1.47% over the past year.
FSRL vs Market: First Reliance Bancshares, Inc. has outperformed the market by 5.2% over the past year.
Stable price: FSRL is not significantly more volatile than the rest of the market on "OTC" over the last 3 months, with typical variations of +/- 5% per week.
Long period: FSRL with weekly volatility of 0.3344% over the past year.
3. Summary of the report
4. Fundamental Analysis
4.1. Stock price and price forecast
Above fair price: The current price (9.43 $) is higher than the fair price (7.29 $).
Price is higher than fair: The current price (9.43 $) is 22.7% higher than the fair price.
4.2. P/E
P/E vs Sector: The company's P/E (13.43) is lower than that of the sector as a whole (19.22).
P/E vs Market: The company's P/E (13.43) is lower than that of the market as a whole (59.99).
4.2.1 P/E Similar companies
4.3. P/BV
P/BV vs Sector: The company's P/BV (1.02) is lower than that of the sector as a whole (1.82).
P/BV vs Market: The company's P/BV (1.02) is lower than that of the market as a whole (3.41).
4.3.1 P/BV Similar companies
4.4. P/S
P/S vs Sector: The company's P/S indicator (2.03) is lower than that of the sector as a whole (3.23).
P/S vs Market: The company's P/S indicator (2.03) is lower than that of the market as a whole (3.65).
4.4.1 P/S Similar companies
4.5. EV/Ebitda
EV/Ebitda vs Sector: The company's EV/Ebitda (-14.53) is lower than that of the sector as a whole (121.16).
EV/Ebitda vs Market: The company's EV/Ebitda (-14.53) is lower than that of the market as a whole (40.09).
5. Profitability
5.1. Profitability and revenue
5.2. Earnings per share - EPS
5.3. Past profitability Net Income
Yield Trend: Negative and has fallen by -8.82% over the last 5 years.
Accelerating profitability: The return for the last year (0%) exceeds the average return for 5 years (-8.82%).
Profitability vs Sector: The return for the last year (0%) exceeds the return for the sector (-9.08%).
5.4. ROE
ROE vs Sector: The company's ROE (7.94%) is lower than that of the sector as a whole (131.94%).
ROE vs Market: The company's ROE (7.94%) is lower than that of the market as a whole (41.13%).
5.5. ROA
ROA vs Sector: The company's ROA (0.58%) is lower than that of the sector as a whole (118.35%).
ROA vs Market: The company's ROA (0.58%) is lower than that of the market as a whole (29.31%).
5.6. ROIC
ROIC vs Sector: The company's ROIC (0%) is lower than that of the sector as a whole (8.3%).
ROIC vs Market: The company's ROIC (0%) is lower than that of the market as a whole (11.01%).
7. Dividends
7.1. Dividend yield vs Market
Low yield: The dividend yield of the company 0% is below the average for the sector '6.87%.
7.2. Stability and increase in payments
Unstable dividends: The company's dividend yield 0% has not been consistently paid over the past 7 years, DSI=0.
Weak dividend growth: The company's dividend yield 0% has been growing weakly or stagnant over the past 5 years. Growth over only 0 years.
7.3. Payout percentage
Dividend Coverage: Current payments from income (0%) are at an uncomfortable level.
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