View ValuationFirst Reliance Bancshares 향후 성장Future 기준 점검 1/6First Reliance Bancshares은 연간 수입과 매출이 각각 8.7%와 6% 증가할 것으로 예상되고 EPS는 연간 6.5%만큼 증가할 것으로 예상됩니다.핵심 정보8.7%이익 성장률6.49%EPS 성장률Banks 이익 성장6.8%매출 성장률6.0%향후 자기자본이익률n/a애널리스트 커버리지Low마지막 업데이트22 Apr 2026최근 향후 성장 업데이트업데이트 없음모든 업데이트 보기Recent updates공고 • Jun 25Colony Bankcorp, Inc. (NYSE:CBAN) signed a definitive merger agreement to acquire First Reliance Bancshares, Inc. (OTCPK:FSRL) for approximately $160 million.Colony Bankcorp, Inc. (NYSE:CBAN) signed a definitive merger agreement to acquire First Reliance Bancshares, Inc. (OTCPK:FSRL) for approximately $160 million on June 24, 2026. Under the terms of the agreement, each First Reliance shareholder will have the right to elect to receive either $19.75 in cash or 0.94 of a share of Colony’s common stock in exchange for each share of First Reliance common stock, subject to customary proration and allocation procedures such that approximately 20% of First Reliance common stock will be converted to cash consideration and the remaining 80% will be converted to Colony common stock. Following the closing of the merger, First Reliance locations in South Carolina will continue operating under the First Reliance brand. Key leadership appointments following the Merger include Rick Saunders, who will join Colony as Executive Vice Chairman, board member, and member of the executive team. Justin Strickland, currently President of First Reliance, will become Colony’s President for South Carolina and Robert Haile, First Reliance’s Chief Financial Officer, will serve as Chief Investment Officer and Treasurer. Additionally, Brook Moore, First Reliance’s Chief Credit Officer will become Colony’s Credit Officer for South Carolina and Chuck Stuart, current President of the First Reliance Mortgage Division, will join as Co-President of Colony Mortgage. First Reliance director Rick Redden will join the Colony Board of Directors, while First Reliance Chairman Dale Lusk will maintain an active advisory role with formal board observation rights. The boards of directors of both Colony and First Reliance have unanimously approved the transaction. Consummation of the Merger is subject to various customary conditions, including (i) approval of the Merger Agreement and the Merger by shareholders of FSRL and approval of the issuance of common stock of Colony by shareholders of the Colony; (ii) the receipt of certain regulatory approvals; (iii) the receipt of certain governmental approvals; (iv) no injunctions or other legal restraints preventing the consummation of the Merger; (v) the U.S. Securities and Exchange Commission (“SEC”) having declared effective the Colony’s registration statement covering the issuance of shares of the Company’s common stock in the Merger; (vi) the receipt by each party of a tax opinion to the effect that the Merger will qualify as a reorganization within the meaning of Section 368(a) of the Internal Revenue Code of 1986, as amended; (vii) the Company’s receipt of a Certification of Non-USRPHC status from FSRL; , (viii) the accuracy of representations and warranties of the parties and compliance by the parties with their respective covenants and obligations under the Merger Agreement (subject to customary materiality qualifiers); (ix) dissenting shares representing less than 7.5% of the outstanding shares of FSRL stock; and (x) the absence of a material adverse effect with respect to the either the Company or FSRL. The transaction is expected to close in fourth quarter 2026. The acquisition increases earnings accretion with fully realized cost savings. Keefe, Bruyette & Woods, Inc. acted as financial advisor for Colony Bankcorp, Inc. Mark C. Kanaly and David S. Park of Alston & Bird LLP acted as legal advisor for Colony Bankcorp, Inc. Hovde Group, LLC acted as financial advisor for First Reliance Bancshares, Inc. B.T. Atkinson of Ward & Smith acted as legal advisor for First Reliance Bancshares, Inc. Hovde Group, LLC acted as fairness opinion provider for First Reliance Bancshares, Inc.공고 • Oct 24First Reliance Bancshares, Inc. Reports Net Charge-Offs of for the Third Quarter Ended September 30, 2025First Reliance Bancshares, Inc. reported net charge-offs of for the third quarter ended September 30, 2025. For the quarter, the company reported Net charge-offs of $42,000 against $52,000 a year ago.공고 • Jul 25First Reliance Bancshares, Inc. (OTCPK:FSRL) announces an Equity Buyback for $3 million worth of its shares.First Reliance Bancshares, Inc. (OTCPK:FSRL) announces a share repurchase program. Under the program, the company will repurchase up to $3 million worth of its outstanding common stock. The repurchase program will expire on June 30, 2026.공고 • Nov 03First Reliance Bancshares, Inc. Reports Net Charge-Offs for the Third Quarter Ended September 30, 2022First Reliance Bancshares, Inc. reported net charge-offs for the third quarter ended September 30, 2022. For the quarter, the company reported net charge-offs of $34,000.공고 • Apr 25First Reliance Bancshares, Inc. Announces Net Charge-Offs for the First Quarter Ended March 31, 2021First Reliance Bancshares, Inc. announced Net charge-offs for the first quarter ended March 31, 2021. Net charge-offs were $5,000 for the first quarter of 2021 compared to $50,000 for the same period in 2020.공고 • Dec 23First Reliance Bancshares Appoints Robert F. Dozier, Jr. as PresidentFirst Reliance Bancshares has appointed Robert F. Dozier, Jr. to the dual roles of President of the holding company, First Reliance Bancshares Inc. and Chief Operating Officer (COO) of First Reliance Bank. In addition, the bank also promoted Charles H. Stuart to President of the Mortgage Division. Previously serving as First Reliance Bank's Chief Banking Officer since January 2020, Dozier has more than 31 years of financial services experience. He previously served as Executive Vice President and Chief Business Officer at of Federal Home Loan Bank of Atlanta, and President and COO of Columbia, South Carolina-based Homeowners Mortgage. Chuck Stuart brings over 20 years of banking experience. Having joined First Reliance over five years ago, he has helped grow mortgage income to record levels across the Carolinas. Previously Stuart was Senior Vice President of Mortgage Banking at Harbor National Bank.이익 및 매출 성장 예측OTCPK:FSRL - 애널리스트 향후 추정치 및 과거 재무 데이터 (USD Millions)날짜매출이익자유현금흐름영업현금흐름평균 애널리스트 수12/31/20275514N/AN/A112/31/20265213N/AN/A16/30/20265012N/AN/AN/A3/31/20265113N/AN/AN/A12/31/202549111318N/A9/30/2025469N/AN/AN/A6/30/2025448N/AN/AN/A3/31/2025406N/AN/AN/A12/31/2024396-9-9N/A9/30/2024386N/AN/AN/A6/30/2024375N/AN/AN/A3/31/2024364N/AN/AN/A12/31/2023365910N/A9/30/2023365N/AN/AN/A6/30/2023386N/AN/AN/A3/31/2023396N/AN/AN/A12/31/20223962425N/A9/30/2022385N/AN/AN/A6/30/2022374N/AN/AN/A3/31/2022384N/AN/AN/A12/31/20213953440N/A9/30/2021406N/AN/AN/A6/30/2021459N/AN/AN/A3/31/20214711N/AN/AN/A12/31/202044113334N/A9/30/20204010N/AN/AN/A6/30/2020357N/AN/AN/A3/31/2020314N/AN/AN/A12/31/2019314N/A-12N/A9/30/2019325N/AN/AN/A6/30/2019304N/AN/AN/A3/31/2019293N/AN/AN/A12/31/2018292N/A-4N/A9/30/201827-1N/AN/AN/A6/30/201826-1N/AN/AN/A3/31/201825-1N/AN/AN/A12/31/201724-1N/A-1N/A9/30/2017232N/AN/AN/A6/30/2017242N/AN/AN/A3/31/2017243N/AN/AN/A12/31/2016233N/A6N/A9/30/2016233N/AN/AN/A6/30/2016221N/AN/AN/A3/31/2016217N/AN/AN/A12/31/2015207N/A-5N/A9/30/2015207N/AN/AN/A더 보기애널리스트 향후 성장 전망수입 대 저축률: FSRL 의 연간 예상 수익 증가율(8.7%)이 saving rate(3.5%)보다 높습니다.수익 vs 시장: FSRL 의 연간 수익(8.7%)이 US 시장(17.1%)보다 느리게 성장할 것으로 예상됩니다.고성장 수익: FSRL 의 수입은 증가할 것으로 예상되지만 상당히 증가하지는 않을 것입니다.수익 대 시장: FSRL 의 수익(연간 6%)이 US 시장(연간 12.6%)보다 느리게 성장할 것으로 예상됩니다.고성장 매출: FSRL 의 수익(연간 6%)은 연간 20%보다 느리게 증가할 것으로 예상됩니다.주당순이익 성장 예측향후 자기자본이익률미래 ROE: FSRL의 자본 수익률이 3년 후 높을 것으로 예상되는지 판단하기에 데이터가 부족합니다.성장 기업 찾아보기7D1Y7D1Y7D1YBanks 산업의 고성장 기업.View Past Performance기업 분석 및 재무 데이터 상태데이터최종 업데이트 (UTC 시간)기업 분석2026/07/27 00:02종가2026/07/27 00:00수익2026/06/30연간 수익2025/12/31데이터 소스당사의 기업 분석에 사용되는 데이터는 S&P Global Market Intelligence LLC에서 제공됩니다. 아래 데이터는 이 보고서를 생성하기 위해 분석 모델에서 사용됩니다. 데이터는 정규화되므로 소스가 제공된 후 지연이 발생할 수 있습니다.패키지데이터기간미국 소스 예시 *기업 재무제표10년손익계산서현금흐름표대차대조표SEC 양식 10-KSEC 양식 10-Q분석가 컨센서스 추정치+3년재무 예측분석가 목표주가분석가 리서치 보고서Blue Matrix시장 가격30년주가배당, 분할 및 기타 조치ICE 시장 데이터SEC 양식 S-1지분 구조10년주요 주주내부자 거래SEC 양식 4SEC 양식 13D경영진10년리더십 팀이사회SEC 양식 10-KSEC 양식 DEF 14A주요 개발10년회사 공시SEC 양식 8-K* 미국 증권에 대한 예시이며, 비(非)미국 증권에는 해당 국가의 규제 서식 및 자료원을 사용합니다.별도로 명시되지 않는 한 모든 재무 데이터는 연간 기간을 기준으로 하지만 분기별로 업데이트됩니다. 이를 TTM(최근 12개월) 또는 LTM(지난 12개월) 데이터라고 합니다. 자세히 알아보기.분석 모델 및 스노우플레이크이 보고서를 생성하는 데 사용된 분석 모델의 세부 정보는 당사의 GitHub 페이지에서 확인하실 수 있습니다. 또한 보고서 사용 방법에 대한 가이드와 YouTube 튜토리얼도 제공하고 있습니다.Simply Wall St 분석 모델을 설계하고 구축한 세계적 수준의 팀에 대해 알아보세요.산업 및 섹터 지표산업 및 섹터 지표는 Simply Wall St가 6시간마다 계산하며, 프로세스에 대한 자세한 내용은 Github에서 확인할 수 있습니다.분석가 소스First Reliance Bancshares, Inc.는 1명의 분석가가 다루고 있습니다. 이 중 2명의 분석가가 우리 보고서에 입력 데이터로 사용되는 매출 또는 수익 추정치를 제출했습니다. 분석가의 제출 자료는 하루 종일 업데이트됩니다.분석가기관David BishopHovde Group, LLC
공고 • Jun 25Colony Bankcorp, Inc. (NYSE:CBAN) signed a definitive merger agreement to acquire First Reliance Bancshares, Inc. (OTCPK:FSRL) for approximately $160 million.Colony Bankcorp, Inc. (NYSE:CBAN) signed a definitive merger agreement to acquire First Reliance Bancshares, Inc. (OTCPK:FSRL) for approximately $160 million on June 24, 2026. Under the terms of the agreement, each First Reliance shareholder will have the right to elect to receive either $19.75 in cash or 0.94 of a share of Colony’s common stock in exchange for each share of First Reliance common stock, subject to customary proration and allocation procedures such that approximately 20% of First Reliance common stock will be converted to cash consideration and the remaining 80% will be converted to Colony common stock. Following the closing of the merger, First Reliance locations in South Carolina will continue operating under the First Reliance brand. Key leadership appointments following the Merger include Rick Saunders, who will join Colony as Executive Vice Chairman, board member, and member of the executive team. Justin Strickland, currently President of First Reliance, will become Colony’s President for South Carolina and Robert Haile, First Reliance’s Chief Financial Officer, will serve as Chief Investment Officer and Treasurer. Additionally, Brook Moore, First Reliance’s Chief Credit Officer will become Colony’s Credit Officer for South Carolina and Chuck Stuart, current President of the First Reliance Mortgage Division, will join as Co-President of Colony Mortgage. First Reliance director Rick Redden will join the Colony Board of Directors, while First Reliance Chairman Dale Lusk will maintain an active advisory role with formal board observation rights. The boards of directors of both Colony and First Reliance have unanimously approved the transaction. Consummation of the Merger is subject to various customary conditions, including (i) approval of the Merger Agreement and the Merger by shareholders of FSRL and approval of the issuance of common stock of Colony by shareholders of the Colony; (ii) the receipt of certain regulatory approvals; (iii) the receipt of certain governmental approvals; (iv) no injunctions or other legal restraints preventing the consummation of the Merger; (v) the U.S. Securities and Exchange Commission (“SEC”) having declared effective the Colony’s registration statement covering the issuance of shares of the Company’s common stock in the Merger; (vi) the receipt by each party of a tax opinion to the effect that the Merger will qualify as a reorganization within the meaning of Section 368(a) of the Internal Revenue Code of 1986, as amended; (vii) the Company’s receipt of a Certification of Non-USRPHC status from FSRL; , (viii) the accuracy of representations and warranties of the parties and compliance by the parties with their respective covenants and obligations under the Merger Agreement (subject to customary materiality qualifiers); (ix) dissenting shares representing less than 7.5% of the outstanding shares of FSRL stock; and (x) the absence of a material adverse effect with respect to the either the Company or FSRL. The transaction is expected to close in fourth quarter 2026. The acquisition increases earnings accretion with fully realized cost savings. Keefe, Bruyette & Woods, Inc. acted as financial advisor for Colony Bankcorp, Inc. Mark C. Kanaly and David S. Park of Alston & Bird LLP acted as legal advisor for Colony Bankcorp, Inc. Hovde Group, LLC acted as financial advisor for First Reliance Bancshares, Inc. B.T. Atkinson of Ward & Smith acted as legal advisor for First Reliance Bancshares, Inc. Hovde Group, LLC acted as fairness opinion provider for First Reliance Bancshares, Inc.
공고 • Oct 24First Reliance Bancshares, Inc. Reports Net Charge-Offs of for the Third Quarter Ended September 30, 2025First Reliance Bancshares, Inc. reported net charge-offs of for the third quarter ended September 30, 2025. For the quarter, the company reported Net charge-offs of $42,000 against $52,000 a year ago.
공고 • Jul 25First Reliance Bancshares, Inc. (OTCPK:FSRL) announces an Equity Buyback for $3 million worth of its shares.First Reliance Bancshares, Inc. (OTCPK:FSRL) announces a share repurchase program. Under the program, the company will repurchase up to $3 million worth of its outstanding common stock. The repurchase program will expire on June 30, 2026.
공고 • Nov 03First Reliance Bancshares, Inc. Reports Net Charge-Offs for the Third Quarter Ended September 30, 2022First Reliance Bancshares, Inc. reported net charge-offs for the third quarter ended September 30, 2022. For the quarter, the company reported net charge-offs of $34,000.
공고 • Apr 25First Reliance Bancshares, Inc. Announces Net Charge-Offs for the First Quarter Ended March 31, 2021First Reliance Bancshares, Inc. announced Net charge-offs for the first quarter ended March 31, 2021. Net charge-offs were $5,000 for the first quarter of 2021 compared to $50,000 for the same period in 2020.
공고 • Dec 23First Reliance Bancshares Appoints Robert F. Dozier, Jr. as PresidentFirst Reliance Bancshares has appointed Robert F. Dozier, Jr. to the dual roles of President of the holding company, First Reliance Bancshares Inc. and Chief Operating Officer (COO) of First Reliance Bank. In addition, the bank also promoted Charles H. Stuart to President of the Mortgage Division. Previously serving as First Reliance Bank's Chief Banking Officer since January 2020, Dozier has more than 31 years of financial services experience. He previously served as Executive Vice President and Chief Business Officer at of Federal Home Loan Bank of Atlanta, and President and COO of Columbia, South Carolina-based Homeowners Mortgage. Chuck Stuart brings over 20 years of banking experience. Having joined First Reliance over five years ago, he has helped grow mortgage income to record levels across the Carolinas. Previously Stuart was Senior Vice President of Mortgage Banking at Harbor National Bank.