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First Reliance Bancshares, Inc. (FSRL)

USD18.72 +0.02 (+0.11%)
US OTC Financial Services Banks - Regional
Address 2170 West Palmetto Street 29501
Florence, SC, US
CEO Fredrick R. Saunders Jr.
IPO 2004-03-30
CIK 1172102 ISIN US33615Q1004

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Description

First Reliance Bancshares, Inc. functions as the parent entity for First Reliance Bank, delivering a broad spectrum of financial products and banking services across the United States. Its offerings include a variety of deposit accounts such as checking, savings, money market, and individual retirement accounts (IRAs), as well as certificates of deposit (CDs). The company also provides insurance solutions to its clients. Regarding lending, it extends various personal financing options, including unsecured, automobile, real estate-backed, and other loans, alongside overdraft protection and home equity lines of credit (HELOCs). For its commercial customers, the firm supplies business installment loans, commercial real estate financing, overdraft protection, and business lines of credit. Mortgage lending is another significant service, complementing its debit and credit card offerings. Additionally, First Reliance Bancshares provides treasury management services, indirect dealer financing, and modern digital banking solutions accessible through online and mobile platforms, in addition to its traditional business banking services. The company was established in 1999 and is headquartered in Florence, South Carolina.

Market Cap & Enterprise Value
Merger & Acquisition History

No mergers or acquisitions recorded for this company.

Technical Outlook
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Signal Summary Loading…
Indicator 1D1W2W3W1M
Each column is computed on that timeframe's candles (1D = daily, 1W ≈ weekly, 1M ≈ monthly), not on the same last day. ▲ bullish · ▼ bearish · — neutral. The Net row counts signals per column; hover any cell (or the indicator name) to see the exact rule behind it.
Day Score & sub-scores
Statistical fingerprint & regime detail
Conditional historical analysis
Customize analysis (advanced)
Indicative levels generated algorithmically. Not financial advice.
Risk Profile
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Price Chart
Averages
Trend
Price
Levels
Draw
USD18.72 +0.02 (+0.11%)
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Volume Profile
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Liquidity & share structure
Average Volume
22.4K
Beta
0.23
Float Shares
7.16M
Free Float %
90.7%
Price Performance
1D5D1M3M6M YTD1Y3Y5Y10YMax
+0.00% -2.09% -4.73% -3.91% +17.89% +18.27% +52.63% +110.45% +49.48% +237.21% +23.40%
Rolling Volatility
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Drawdown
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Relative Strength
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Monthly Returns Heatmap
From To
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Annual Monthly Returns
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Daily Returns Distribution
vs.
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Revenue flow

Revenue by geography

Revenue by segment

From To

Revenue composition

From To

By product

By geography

Financial Statements

Income Statement

Balance Sheet

Cash Flow Statement

Key Metrics

Financial Ratios

Employees

Financial Growth (CAGR)

Market Data

Analyst Consensus (2 ratings, all time) Buy
Price Targets & DCF
Current price
18.72
DCF (Unlevered) 15.41 -17.7%
DCF (Levered) 39.04 +108.5%

DCF figures are point estimates: small changes in growth or discount-rate assumptions move them materially. Read them as a reference, not a precise target.

Ratings Trend (MoM) 100% Bullish
Rating 2026-05 Change
Strong Buy 0 0
Buy 2 0
Hold 0 0
Sell 0 0
Strong Sell 0 0
Quality scores
Altman Z-Score
0.18
Distress
Piotroski F-Score
7 / 9
Strong
Composite Rating
A-
Overall Score
4 / 5
High
DCF Score
5 / 5
High
ROE Score
4 / 5
High
ROA Score
4 / 5
High
D/E Score
2 / 5
Medium
P/E Score
3 / 5
Medium
P/Book Score
2 / 5
Medium
Operational MOAT
  • Revenue growth
    +77.4% Q1'26: +10.0% (vs Q1'25)
  • EPS growth
    +84.5% Q1'26: +115.8% (vs Q1'25)
  • FCF margin
    Q1'26: +0.0% (vs Q1'25)
  • EBIT margin
    Q1'26: +25.0% (vs Q1'25)
  • ROIC
    Q1'26: +8.0% (vs Q1'25)
  • Share dilution
    +0.4% Q1'26: -0.3% (vs Q1'25)
  • Debt / EBITDA
    Q1'26: 4.53× (vs Q1'25)
Valuation Multiples From To
Price Forecast (3Y) From To
Model
Adjust
P/E
Theoretical Return — If Invested Today

* These projections are based on analyst consensus estimates and user-defined valuation multiples. This table is for informational purposes only and does not constitute a recommendation to buy or sell any security. Past performance is not indicative of future results.

DCF Interactive Model (UFCF)
Projection years:
Market assumptions
WACC components (optional)
Ke (Cost of Equity) = Rf + β (0.26) × ERP
WACC = 75% × Ke + 25% × Kd (49.8%) × (1−t)

Modifying these values recalculates WACC automatically.

Business assumptions
Intrinsic value (base): 15.41 Current price: 18.72
Enterprise Value: Equity Value: Terminal Value: TV as % of EV:

Base values reflect the latest available data for this company and market conditions.

Consensus Estimates
Metric Dec 2021
actual
Dec 2022
actual
Dec 2023
actual
Dec 2024
actual
Dec 2025
actual
Dec 2026
1 Rev. Ana.
1 EPS Ana.
Dec 2027
1 Rev. Ana.
1 EPS Ana.
Revenue
40.86M
est: 39.20M (+4.2%)
42.16M
est: 39.30M (+7.3%)
51.91M
est: 37.32M (+39.1%)
39.26M
est: 40.80M (-3.8%)
69.64M
est: 47.30M (+47.2%)
52.10M
52.10M – 52.10M
+10.1% YoY
54.80M
54.80M – 54.80M
+5.2% YoY
EBITDA
7.46M
est: 6.40M (+16.6%)
8.78M
est: 6.42M (+36.8%)
7.01M
est: 5.43M (+29.3%)
est: 5.93M (-100.0%)
13.99M
est: 6.88M (+103.4%)
7.57M
7.57M – 7.57M
+10.1% YoY
7.97M
7.97M – 7.97M
+5.2% YoY
EBIT
6.41M
est: 5.40M (+18.6%)
7.57M
est: 5.42M (+39.8%)
5.81M
est: 4.61M (+26.0%)
-1.21M
est: 5.05M (-124.1%)
13.99M
est: 5.85M (+139.1%)
6.44M
6.44M – 6.44M
+10.1% YoY
6.78M
6.78M – 6.78M
+5.2% YoY
Net Income
5.28M
est: 5.43M (-2.9%)
5.93M
est: 6.51M (-8.9%)
4.60M
est: 5.74M (-19.8%)
5.92M
est: 7.27M (-18.5%)
10.91M
est: 9.91M (+10.0%)
12.83M
12.83M – 12.83M
+29.5% YoY
13.90M
13.90M – 13.90M
+8.3% YoY
SGA
1.34M
est: 1.17M (+14.0%)
1.49M
est: 1.17M (+27.3%)
1.11M
est: 3.55M (-68.8%)
1.17M
est: 3.88M (-69.8%)
24.81M
est: 4.50M (+451.5%)
4.95M
4.95M – 4.95M
+10.1% YoY
5.21M
5.21M – 5.21M
+5.2% YoY
EPS
0.68
est: 0.66 (+3.8%)
0.76
est: 0.79 (-3.2%)
0.59
est: 0.69 (-14.4%)
0.75
est: 0.87 (-14.1%)
1.39
est: 1.19 (+16.8%)
1.54
1.54 – 1.54
+29.5% YoY
1.67
1.67 – 1.67
+8.3% YoY
Historical Ratings (3M)
Date Rating Overall DCF ROE ROA D/E P/E P/B
2026-05-28 A- 4/5 5/5 4/5 4/5 2/5 3/5 2/5
2026-05-27 A- 4/5 5/5 4/5 4/5 2/5 3/5 2/5
2026-05-26 A- 4/5 5/5 4/5 4/5 2/5 3/5 2/5
2026-05-22 A- 4/5 5/5 4/5 4/5 2/5 3/5 2/5
2026-05-21 A- 4/5 5/5 4/5 4/5 2/5 3/5 2/5
2026-05-20 A- 4/5 5/5 4/5 4/5 2/5 3/5 2/5
2026-05-19 A- 4/5 5/5 4/5 4/5 2/5 3/5 2/5
2026-05-18 A- 4/5 5/5 4/5 4/5 2/5 3/5 2/5
2026-05-15 A- 4/5 5/5 4/5 4/5 2/5 3/5 3/5
2026-05-14 A- 4/5 5/5 4/5 4/5 2/5 3/5 3/5
2026-05-13 A- 4/5 5/5 4/5 4/5 2/5 3/5 3/5
2026-05-12 A- 4/5 5/5 4/5 4/5 2/5 3/5 3/5
2026-05-11 A- 4/5 5/5 4/5 4/5 2/5 3/5 3/5
2026-05-08 A- 4/5 5/5 4/5 4/5 2/5 3/5 3/5
2026-05-07 A- 4/5 5/5 4/5 4/5 2/5 3/5 3/5
2026-05-06 A- 4/5 5/5 4/5 4/5 2/5 3/5 3/5
2026-05-05 A- 4/5 5/5 4/5 4/5 2/5 3/5 3/5
2026-05-04 A- 4/5 5/5 4/5 4/5 2/5 3/5 3/5
2026-05-01 A- 4/5 5/5 4/5 4/5 2/5 3/5 3/5
2026-04-30 A- 4/5 5/5 4/5 4/5 2/5 3/5 3/5
2026-04-29 A 4/5 5/5 4/5 4/5 2/5 4/5 3/5
2026-04-28 A 4/5 5/5 4/5 4/5 2/5 4/5 3/5
2026-04-27 A 4/5 5/5 4/5 4/5 2/5 4/5 3/5
2026-04-24 A- 4/5 5/5 4/5 4/5 2/5 3/5 3/5
2026-04-23 A- 4/5 5/5 4/5 4/5 2/5 3/5 3/5
2026-04-22 A- 4/5 5/5 4/5 4/5 2/5 3/5 3/5
2026-04-21 A- 4/5 5/5 4/5 4/5 2/5 3/5 3/5
2026-04-20 A- 4/5 5/5 4/5 4/5 2/5 3/5 3/5
2026-04-17 A- 4/5 5/5 4/5 4/5 2/5 3/5 3/5
2026-04-16 A- 4/5 5/5 4/5 4/5 2/5 3/5 3/5

Owner Earnings

Owner's Earnings (history) From To
Owner alignment
Owner's Earnings TTM
2.35M
OE per share TTM
0.29
Owner's Yield
2.06%
Maintenance CapEx ratio
54.86%
Maint CapEx / Avg PPE
54.7%

Ownership Overview

Ownership breakdown

Ownership breakdown not available.

At a glance
Institutional holders
Total invested
Insider transactions (90d)
0
Beneficial owners (>5%)
13
Beneficial owners (>5%)
# Reporting person Amount owned % of class Sole voting Shared voting Sole dispositive Shared dispositive Type Citizenship Filing date SEC filing
1 LLC 737.2K 9.14% 737.2K IA Delaware 2024-11-14
2 Phillip Stone, IV 737.2K 9.14% 737.2K IN Delaware 2024-11-14
3 Master Opportunity Fund Ltd 533.1K 6.61% 533.1K OO Delaware 2024-11-14
4 GP LLC 204.0K 2.53% 204.0K OO Delaware 2024-11-14
5 Dory Wiley 201.0K 6.10% 201.0K IN : 2006-02-10
6 Service Capital Advisors, LLC 20-0205782 201.0K 6.10% 201.0K OO : 2006-02-10
7 Service Capital Partners, LP 20-0205743 201.0K 6.10% 201.0K PN : 2006-02-10
8 Paul C. Saunders 200.6K 5.80% 200.6K 200.6K IN CITIZENSHIP OR PLACE OF ORGANIZATION 2006-02-14
9 F. R. Saunders, Jr. 200.6K 5.60% 189.4K 11.2K 189.4K 11.2K IN CITIZENSHIP OR PLACE OF ORGANIZATION 2007-02-14
10 QP Opportunity Fund LP 164.2K 2.04% 164.2K PN Delaware 2024-11-14
11 Saunders 159.6K 4.80% 159.6K 159.6K IN United States of America 2005-02-14
12 Jr. 151.5K 4.60% 140.2K 11.2K 140.2K 11.2K IN United States of America 2005-02-14
13 Small-Cap Financials Fund LP 39.8K 0.49% 39.8K PN Delaware 2024-11-14

Institutional Activity (13F)

Institutional ownership trend

Institutional history not available.

Top institutional holders

Top holders not available.

ETF Ownership

Top ETFs holding this stock

This company is not held by any ETF in our universe.

Insider Activity

Insider Activity — Latest Quarter
Ratio by transactions
0.00
Bearish
Buys
22
Sells
0
Shares acquired
152.5K
Shares disposed
Cash buys
9.00
Cash sales
Net activity
+152,500
Insider buys vs sells (history) From To
Recent insider transactions From To
Date Person Role Transaction A/D Security Shares Price Value Owned after D/I Filing
2014-08-21 SCOTT JOHN MUNFORD JR Director A-Award A Common Stock 2,000 0.00 3,000
2014-08-21 PARRIS JULIUS G. Director A-Award A Common Stock 2,000 0.00 4,237
2014-08-21 Lingle James Rouse JR Director A-Award A Common Stock 2,000 0.00 4,700
2014-08-21 LUSK C DALE Director A-Award A Common Stock 2,000 0.00 24,500
2014-08-21 JEBAILY JOHN M Director A-Award A Common Stock 2,000 0.00 17,480
2014-08-21 HOOGENBOOM LEONARD A Director A-Award A Common Stock 2,000 0.00 24,869
2014-08-14 JEBAILY JOHN M Director P-Purchase A Common Stock 3,000 2.87 8.6K 33,400
2014-08-12 JEBAILY JOHN M Director P-Purchase A Common Stock 100 2.50 250.00 5,500
2014-08-11 Lingle James Rouse JR Director L-Small A Common Stock 1,000 2.50 2.5K 2,700
2014-08-01 JEBAILY JOHN M Director P-Purchase A Common Stock 700 2.46 1.7K 700
2014-07-17 SAUNDERS PAUL C Director A-Award A Common Stock 8,500 0.00 99,419
2014-07-17 SAUNDERS F R JR Director A-Award A Common Stock 15,000 0.00 216,339
2014-07-17 PORTER A DALE Director A-Award A Common Stock 8,500 0.00 163,460
2014-07-17 PAOLUCCI JEFFREY A Director A-Award A Common Stock 34,000 0.00 65,043
2014-07-17 NANCE JESS A Director A-Award A Common Stock 22,000 0.00 34,715
2014-07-17 EWART THOMAS C SR Director A-Award A Common Stock 18,000 0.00 25,618
2014-04-04 SAUNDERS F R JR Director / Officer P-Purchase A Common Stock 5,000 2.00 10.0K 201,339
2014-04-04 PAOLUCCI JEFFREY A Director / Officer S-Sale D Common Stock 5,000 2.00 10.0K 31,043
2012-05-10 PARRIS JULIUS G. Director L-Small A Common Stock 2,067 1.65 3.4K 2,327
2012-05-07 PARRIS JULIUS G. Director P-Purchase A Common Stock 260 1.90 494.00 260
2011-12-15 PARRIS JULIUS G. Director D Common Stock 0 0.00 0
2011-07-08 Evans Craig S Officer S-Sale D Common Stock 23,797 0.00 20,823
2011-04-27 Lingle James Rouse JR Director P-Purchase A Common Stock 1,700 2.20 3.7K 1,700
2011-04-21 Lingle James Rouse JR Director D Common Stock 0 0.00 0
2010-08-30 Evans Craig S Officer S-Sale D Common Stock 321 3.40 1.1K 0
2010-04-09 SCOTT JOHN MUNFORD JR Director P-Purchase A Series C Preferred Stock 150 1,000.00 150.0K 150
2010-04-09 SAUNDERS PAUL C Director / Officer P-Purchase A Common Stock 10,532 4.50 47.4K 90,919
2010-04-09 SAUNDERS F R JR Director / Officer P-Purchase A Common Stock 2,750 4.50 12.4K 3,600
2010-04-09 PORTER A DALE Director P-Purchase A Common stock 33,450 4.50 150.5K 154,960
2010-04-09 PAOLUCCI JEFFREY A Director / Officer P-Purchase A Common stock 11,111 4.50 50.0K 35,329
2010-04-09 NANCE JESS A Officer P-Purchase A Series C Preferred Stock 10 1,000.00 10.0K 10
2010-04-09 KAMPIZIONES ANDREW G Director P-Purchase A Series C Preferred Stock 20 1,000.00 20.0K 20
2010-04-09 HOOGENBOOM LEONARD A Director P-Purchase A Common Stock 4,444 4.50 20.0K 22,869
2010-04-09 Evans Craig S Officer P-Purchase A Common Stock 22,222 4.50 100.0K 44,620
2010-04-09 EWART THOMAS C SR Officer P-Purchase A Series C Preferred Stock 25 1,000.00 25.0K 25
2010-03-15 KAMPIZIONES ANDREW G Director P-Purchase A Common stock 1,000 3.00 3.0K 18,850
2010-02-09 SAUNDERS PAUL C Director / Officer P-Purchase A Common stock 4,154 0.00 80,387
2010-02-09 SAUNDERS F R JR Director / Officer P-Purchase A Common stock 18,500 0.00 122,307
2010-02-09 PORTER A DALE Director P-Purchase A Common stock 5,000 0.00 121,510
2010-02-09 PAOLUCCI JEFFREY A Director / Officer P-Purchase A Common stock 10,500 0.00 24,218
2010-02-09 NANCE JESS A Officer P-Purchase A Common stock 5,600 0.00 10,115
2010-02-09 Evans Craig S Officer P-Purchase A Common stock 10,200 0.00 22,398
2010-02-09 EWART THOMAS C SR Officer P-Purchase A Common stock 5,100 0.00 7,618
2009-12-31 SCOTT JOHN MUNFORD JR Director I Common stock 0 0.00 437
2009-12-31 Evans Craig S Officer 0 0.00 0
2009-05-29 PORTER A DALE Director P-Purchase A Common Stock 1,000 3.65 3.7K 116,510
2009-05-08 SAUNDERS F R JR Director / Officer P-Purchase A Common Stock 2,000 4.00 8.0K 103,807
2009-01-15 Evans Craig S Officer D Common Stock 0 0.00 8,197
2009-01-13 KAMPIZIONES ANDREW G Director P-Purchase A Common Stock 1,000 4.90 4.9K 17,850
2008-12-31 KAMPIZIONES ANDREW G Director 0 0.00 0
2008-08-29 JEBAILY JOHN M Director S-Sale D Common Stock 1,200 8.00 9.6K 15,480
2008-08-28 JEBAILY JOHN M Director S-Sale D Common Stock 800 8.50 6.8K 16,680
2008-08-19 JEBAILY JOHN M Director S-Sale D Common Stock 1,000 7.95 8.0K 17,480
2008-08-06 SAUNDERS F R JR Director / Officer M-Exempt D Option (right to buy) 200 5.00 1.0K 24,600
2008-06-30 SAUNDERS F R JR Director / Officer M-Exempt D Option (right to buy) 200 5.00 1.0K 24,800
2008-06-12 HOOGENBOOM LEONARD A Director P-Purchase A Common Stock 160 9.50 1.5K 18,425
2008-05-12 JEBAILY JOHN M Director S-Sale D Common Stock 3,186 10.27 32.7K 18,460
2008-05-01 NANCE JESS A Officer L-Small A Common Stock 500 11.10 5.6K 3,451
2008-02-21 SAUNDERS PAUL C Director / Officer A-Award A Common Stock 46 0.00 71,733
2008-02-21 SAUNDERS F R JR Director / Officer A-Award A Common Stock 3,297 0.00 83,434
2008-02-21 PAOLUCCI JEFFREY A Director / Officer A-Award A Common Stock 1,627 0.00 13,718
2008-02-21 NANCE JESS A Officer A-Award A Common Stock 651 0.00 2,237
2008-02-21 EWART THOMAS C SR Officer A-Award A Common Stock 1,116 0.00 2,518
2007-11-13 NANCE JESS A Officer P-Purchase A Common Stock 500 11.75 5.9K 1,586
2007-10-31 JEBAILY JOHN M Director S-Sale A Common Stock 2,000 12.00 24.0K 21,666
2007-09-07 KAMPIZIONES ANDREW G Director A-Award A Common Stock 1,000 13.20 13.2K 14,500
2007-08-17 JEBAILY JOHN M Director A-Award A Common Stock 1,300 13.48 17.5K 23,666
2007-08-09 HOOGENBOOM LEONARD A Director A-Award A Common Stock 500 13.00 6.5K 0
2007-08-08 NANCE JESS A Officer A-Award A Common Stock 500 13.00 6.5K 1,086
2007-06-21 SAUNDERS PAUL C Officer M-Exempt A Common stock 15,000 5.00 75.0K 71,687
2007-03-10 SAUNDERS PAUL C Director / Officer M-Exempt D Stock Option - Right to Buy 4,500 5.00 22.5K 35,500
2007-03-02 SAUNDERS F R JR Officer M-Exempt A Option (right to buy) 2,000 5.00 10.0K 43,000
2007-02-07 PORTER A DALE Director L-Small A Common Stock 245 15.15 3.7K 245
2007-01-19 SAUNDERS PAUL C Officer A-Award A Common Stock 92 0.00 0
2007-01-19 SAUNDERS F R JR Officer A-Award A Stock Appreciation Rights 17,904 15.00 268.6K 17,904
2007-01-19 PAOLUCCI JEFFREY A Officer A-Award A Common Stock 550 0.00 12,091
2007-01-19 NANCE JESS A Officer A-Award A Stock Appreciation Rights 2,995 15.00 44.9K 2,995
2007-01-19 EWART THOMAS C SR Officer A-Award A Common Stock 200 0.00 1,402
2007-01-18 SCOTT JOHN MUNFORD JR Director I Common Stock 0 0.00 437
2006-08-02 SAUNDERS PAUL C Officer S-Sale D Common Stock 2,000 16.95 33.9K 56,595
2006-07-28 PORTER A DALE Director S-Sale D Common Stock 2,000 16.95 33.9K 115,910
2006-07-27 PORTER A DALE Director S-Sale D Common Stock 2,000 16.95 33.9K 117,510
2006-07-26 PORTER A DALE Director S-Sale D Common Stock 2,000 16.95 33.9K 119,510
2006-05-10 SAUNDERS PAUL C Officer S-Sale D Common Stock 900 17.15 15.4K 58,595
2006-05-08 SAUNDERS PAUL C Officer S-Sale D Common Stock 300 17.15 5.1K 59,495
2006-05-08 PORTER A DALE Director S-Sale D Common Stock 1,500 17.15 25.7K 121,510
2006-05-04 PORTER A DALE Director S-Sale D Common Stock 1,280 17.15 22.0K 123,010
2006-05-02 SAUNDERS PAUL C Officer S-Sale D Common Stock 500 17.50 8.8K 59,795
2006-05-01 PORTER A DALE Director S-Sale D Common Stock 220 17.60 3.9K 124,290
2006-04-28 SAUNDERS F R JR Officer P-Purchase A Common Stock 46 17.60 809.60 58,991
2006-04-27 PORTER A DALE Director S-Sale D Common Stock 2,000 17.50 35.0K 124,510
2006-04-26 PORTER A DALE Director S-Sale D Common Stock 400 18.10 7.2K 126,510
2006-04-17 SAUNDERS F R JR Officer M-Exempt A Common Stock 25,000 5.00 125.0K 58,945
2006-04-03 NANCE JESS A Officer D Common Stock 0 0.00 227
2006-03-28 SAUNDERS PAUL C Officer A-Award A Common Stock 52 0.00 60,295
2006-03-08 PORTER A DALE Director M-Exempt A Common Stock 27,000 8.00 216.0K 127,510
2006-02-27 PORTER A DALE Director S-Sale D Common Stock 3,121 16.00 49.9K 87,139
2006-02-16 PORTER A DALE Director S-Sale D Common Stock 2,500 16.05 40.1K 90,260
2006-02-15 PORTER A DALE Director S-Sale D Common Stock 2,500 16.00 40.0K 92,760
2006-02-13 PORTER A DALE Director S-Sale D Common Stock 1,000 16.01 16.0K 97,760
2006-02-09 PORTER A DALE Director S-Sale D Common Stock 1,750 16.00 28.0K 98,760
2006-01-31 SAUNDERS PAUL C Officer S-Sale D Common Stock 2,500 15.21 38.0K 57,743
2006-01-30 PORTER A DALE Director M-Exempt D Option (right to buy) 13,371 8.00 107.0K 27,000
2006-01-25 PORTER A DALE Director S-Sale D Common Stock 2,500 15.01 37.5K 100,510
2006-01-19 SAUNDERS F R JR Officer A-Award A Stock Appreciation RIght 13,021 14.85 193.4K 13,021
2006-01-19 PAOLUCCI JEFFREY A Officer A-Award A Stock Appreciation Right 7,552 14.85 112.1K 7,552
2006-01-19 EWART THOMAS C SR Officer A-Award A Stock Appreciation Right 5,664 14.85 84.1K 5,664
2006-01-17 SAUNDERS F R JR Officer M-Exempt A Common Stock 2,000 5.00 10.0K 10,392
2006-01-09 PORTER A DALE Director M-Exempt D Option (right to buby) 10,000 8.00 80.0K 40,371
2006-01-09 HOOGENBOOM LEONARD A Director P-Purchase D Common Stock 14 625.00 9.0K 18,265
2005-12-29 SAUNDERS PAUL C Officer M-Exempt D Option (right to buy) 15,000 5.00 75.0K 140,371
2005-12-28 KAMPIZIONES ANDREW G Director P-Purchase A Common Stock 200 14.00 2.8K 13,500
2005-11-01 JEBAILY JOHN M Director P-Purchase A Common Stock 200 14.00 2.8K 22,366
2005-10-13 JEBAILY JOHN M Director P-Purchase A Common Stock 700 14.00 9.8K 22,166
2005-10-11 SAUNDERS F R JR Officer P-Purchase A Common Stock 200 13.90 2.8K 33,112
2005-09-12 SAUNDERS PAUL C Officer S-Sale D Common Stock 900 13.75 12.4K 45,243
2005-09-09 SAUNDERS PAUL C Officer S-Sale D Common Stock 2,000 13.75 27.5K 54,147
2005-08-08 SAUNDERS PAUL C Officer A-Award A Option (right to buy) 35,000 11.50 402.5K 155,371
2005-08-08 SAUNDERS F R JR Officer A-Award A Option (right to buy) 35,000 11.50 402.5K 155,371
2005-07-20 SAUNDERS F R JR Officer P-Purchase A Common Stock 200 13.95 2.8K 32,912
2005-07-20 KAMPIZIONES ANDREW G Director P-Purchase A Common Stock 500 13.00 6.5K 13,300
2005-05-05 PORTER A DALE Director M-Exempt A Common Stock 40,000 5.00 200.0K 100,510
2005-04-12 JEBAILY JOHN M Director P-Purchase A Common Stock 1,000 13.75 13.8K 21,466
2005-03-17 SAUNDERS PAUL C Officer S-Sale D Common Stock 1,000 13.50 13.5K 56,147
2005-03-17 KAMPIZIONES ANDREW G Director P-Purchase A Common Stock 1,000 13.50 13.5K 12,800
2005-02-28 SAUNDERS PAUL C Officer S-Sale D Common Stock 500 13.25 6.6K 57,147
2005-02-25 SAUNDERS PAUL C Officer S-Sale D Common Stock 1,165 13.50 15.7K 57,647
2005-02-14 HOOGENBOOM LEONARD A Director P-Purchase A Common Stock 200 13.75 2.8K 17,640
2005-02-08 SAUNDERS PAUL C Officer S-Sale D Common Stock 460 13.75 6.3K 58,812
2005-01-26 SAUNDERS PAUL C Officer P-Purchase A Common Stock 3,125 12.00 37.5K 59,272
2005-01-26 KAMPIZIONES ANDREW G Director P-Purchase A Common Stock 500 13.50 6.8K 11,800
2005-01-13 PORTER A DALE Director M-Exempt A Common Stock 20,000 5.00 100.0K 60,510
2005-01-12 SAUNDERS PAUL C Officer P-Purchase A Common Stock 4,000 11.50 46.0K 56,147
2004-11-03 SAUNDERS PAUL C Officer P-Purchase A Common Stock 400 12.00 4.8K 52,147
2004-10-05 SAUNDERS PAUL C Director / Officer P-Purchase A Common Stock 4,500 11.50 51.8K 51,747
2004-10-05 PAOLUCCI JEFFREY A Director / Officer A-Award A Option (right to buy) 10,000 11.50 115.0K 20,000
2004-07-01 SAUNDERS PAUL C Officer P-Purchase A Common Stock 200 10.75 2.2K 46,847
2004-06-25 SAUNDERS PAUL C Officer P-Purchase A Common Stock 100 10.70 1.1K 46,647
2004-06-14 SAUNDERS PAUL C Officer P-Purchase A Common Stock 30 10.00 300.00 46,547
2004-05-21 SAUNDERS PAUL C Officer P-Purchase A Common Stock 500 10.40 5.2K 46,017
2004-05-11 SAUNDERS PAUL C Officer P-Purchase A Common Stock 2,000 10.50 21.0K 45,517
2004-05-11 KAMPIZIONES ANDREW G Director P-Purchase A Common Stock 400 10.65 4.3K 11,300
2004-02-25 WILLIS A JOE Director S-Sale D Common Stock 500 13.00 6.5K 49,300
2004-02-25 SAUNDERS PAUL C Officer P-Purchase A Common Stock 5,517 9.53 52.6K 43,517
2004-02-25 SAUNDERS F R JR Director / Officer P-Purchase A Common Stock 4,912 9.53 46.8K 32,712
2004-02-25 PAOLUCCI JEFFREY A Director / Officer P-Purchase A Common Stock 1,159 9.53 11.0K 11,058
2004-02-25 EWART THOMAS C SR Officer P-Purchase A Common Stock 839 9.53 8.0K 839
2003-10-09 JEBAILY JOHN M Director P-Purchase A Common Stock 104 9.50 988.00 10,466
2003-09-24 PAOLUCCI JEFFREY A Officer A-Award D Option (right to buy) 10,000 8.32 83.2K 10,000
2003-08-06 JEBAILY JOHN M Director P-Purchase A Common Stock 1,000 7.00 7.0K 10,362
2003-07-17 SAUNDERS PAUL C Director / Officer A-Award A Option (right to buy) 50,371 8.00 403.0K 120,371
2003-07-17 SAUNDERS F R JR Director / Officer A-Award A Option (right to buy) 50,371 8.00 403.0K 120,371
2003-07-17 PORTER A DALE Director A-Award A Option (right to buy) 50,371 8.00 403.0K 110,371
2003-07-17 JEBAILY JOHN M Director 0 0.00 0
2003-07-17 EWART THOMAS C SR Officer A-Award A Option (right to buy) 5,205 8.00 41.6K 0
2001-04-12 LUSK C DALE Director D COMMON STOCK 0 0.00 22,500

Executive team

Top executives
EBIT / Employee
82.3K
Shares Outstanding
7.89M

Executive compensation

Executive compensation (annual)
# Year Executive Salary Bonus Stock award Option award Incentive Other Total % Stock-
based
Filing
1 2012 F.R. Saunders, Jr. President and Chief Executive Officer 282.0K 13.6K 143.0K 425.0K 3.21%
2 2012 Jeffrey A. Paolucci Executive Vice President and Chief Financial Officer 186.0K 67.3K 253.3K 0.00%
3 2012 Thomas C. Ewart, Sr. Senior Vice President and Chief Banking Officer 161.5K 19.9K 181.4K 0.00%
4 2011 F.R. Saunders, Jr. President and Chief Executive Officer 282.0K 21.3K 138.2K 441.5K 4.83%
5 2011 Jeffrey A. Paolucci Executive Vice President and Chief Financial Officer 186.0K 3.1K 11.1K 69.1K 269.2K 5.25%
6 2011 Thomas C. Ewart, Sr. Senior Vice President and Chief Banking Officer 161.5K 1.1K 5.9K 15.2K 183.7K 3.82%
7 2010 F.R. Saunders, Jr. President and Chief Executive Officer 282.0K 204.2K 21.3K 127.8K 635.3K 35.50%
8 2010 Jeffrey A. Paolucci Executive Vice President and Chief Financial Officer 186.0K 69.4K 11.1K 52.1K 318.5K 25.26%
9 2010 Craig S. Evans Executive Vice President and Chief Operations Officer 225.0K 35.7K 30.6K 291.3K 12.26%
10 2009 F.R. Saunders, Jr. President and Chief Executive Officer 282.0K 69.4K 21.4K 120.1K 492.9K 18.41%
11 2009 Craig S. Evans Executive Vice President and Chief Operations Officer 225.0K 13.5K 9.0K 26.2K 273.6K 3.29%
12 2009 Jeffrey A. Paolucci Executive Vice President and Chief Financial Officer 186.0K 15.4K 11.1K 51.0K 263.4K 10.04%
13 2008 F.R. Saunders, Jr. President and Chief Executive Officer 282.6K 20.0K 21.4K 115.4K 439.4K 9.42%
14 2008 Jeffrey A. Paolucci Executive Vice President and Chief Financial Officer 181.3K 10.2K 11.1K 52.3K 254.8K 8.34%
15 2008 Jeffrey A. Paolucci Sr. Vice President and Chief Financial Officer 181.3K 10.2K 11.1K 52.3K 254.8K 8.34%
16 2008 Thomas C. Ewart, Sr. Sr. Vice President and Chief Banking Officer 162.6K 6.2K 5.9K 9.1K 183.8K 6.62%
17 2008 Craig S. Evans Executive Vice President and Chief Operations Officer 107.7K 50.0K 2.1K 159.5K 31.35%
18 2007 F.R. Saunders, Jr. President and Chief Executive Officer 275.0K 9.6K 20.7K 104.6K 409.9K 7.37%
19 2007 Jeffrey A. Paolucci Sr. Vice President and Chief Financial Officer 175.0K 5.0K 10.7K 47.6K 238.3K 6.60%
20 2007 Thomas C. Ewart, Sr. Sr. Vice President and Chief Banking Officer 160.0K 2.7K 5.8K 7.2K 175.8K 4.86%
21 2006 F. R. Saunders, Jr. President and Chief Executive Officer 275.0K 170.0K 4.1K 7.8K 71.1K 528.0K 2.26%
22 2006 F.R. Saunders, Jr. President and Chief Executive Officer 275.0K 170.0K 4.1K 7.8K 71.1K 528.0K 2.26%
23 2006 Jeffrey A. Paolucci Sr. Vice President and Chief Financial Officer 165.0K 72.5K 2.4K 4.5K 23.5K 267.9K 2.59%
24 2006 Thomas C. Ewart, Sr. Sr. Vice President and Chief Banking Officer 155.0K 36.3K 1.8K 3.4K 5.5K 201.9K 2.58%
25 2006 Paul C. Saunders, Sr. Vice President 110.0K 21.0K 285.00 446.00 18.9K 150.6K 0.49%
26 2006 Jess A. Nance, Sr. Vice President 115.0K 20.0K 826.00 1.6K 5.8K 143.2K 1.67%
27 2005 F. R. Saunders, Jr., President and CEO 215.0K 170.0K 35.0K 16.4K 436.4K 8.02%
28 2005 Jeffrey A. Paolucci, Senior Vice President and CFO 160.0K 72.5K 9.9K 242.4K 0.00%
29 2005 Thomas C. Ewart, Sr., Senior Vice President and Chief Banking Officer 145.0K 36.3K 7.0K 188.3K 0.00%
30 2005 Paul C. Saunders, Senior Vice President 114.3K 21.0K 35.0K 6.0K 176.2K 19.86%
31 2005 Jess A. Nance, Senior Vice President and Chief Credit Officer 100.0K 20.0K 4.5K 124.5K 0.00%
32 2004 F. R. Saunders, Jr., President and CEO 190.0K 109.6K 12.3K 311.8K 0.00%
33 2004 Jeffrey A. Paolucci, Senior Vice President and CFO 135.0K 46.0K 10.0K 6.7K 197.7K 5.06%
34 2004 Thomas C. Ewart, Sr., Senior Vice President and Chief Banking Officer 135.0K 27.0K 3.4K 165.4K 0.00%
35 2004 Paul C. Saunders, Senior Vice President 106.5K 18.0K 7.3K 131.8K 0.00%
36 2003 F. R. Saunders, Jr., President and CEO 139.2K 77.6K 50.4K 13.9K 281.1K 17.92%
37 2003 Paul C. Saunders, Senior Vice President 95.9K 18.0K 50.4K 12.0K 176.2K 28.58%
38 2003 Jeffrey A. Paolucci, Senior Vice President and CFO 98.6K 28.5K 10.0K 6.0K 143.1K 6.99%
39 2003 Thomas C. Ewart, Sr., Senior Vice President and Chief Banking Officer 90.0K 16.5K 5.2K 8.4K 120.1K 4.33%
40 2003 Thomas C. Ewart, Sr. Senior Vice President and CCO 90.0K 16.5K 5.2K 7.2K 118.9K 4.38%
41 2002 F. R. Saunders, Jr., President and CEO 115.0K 74.0K 17.8K 206.8K 0.00%
42 2002 Paul C. Saunders, Senior Vice President 82.0K 18.0K 7.2K 107.2K 0.00%
43 2002 Jeffrey A. Paolucci, Senior Vice President and CFO 31.7K 31.7K 0.00%
44 2001 F. R. Saunders, Jr., President and CEO 115.0K 46.4K 6.6K 168.0K 0.00%
45 2001 Paul C. Saunders, Senior Vice President 82.0K 25.0K 2.7K 109.7K 0.00%
CEO compensation breakdown

Proxy statements

Proxy statements (DEF 14A)
Filing date Form type Filing
2014-04-24 DEF 14A
2014-04-08 PRE 14A
2013-04-30 DEF 14A
2012-05-11 DEF 14A
2011-04-28 DEF 14A
2010-04-29 DEF 14A

Recent SEC filings

Recent SEC filings
Filing date Form type Filing
2026-02-17 SC 13G/A
2025-11-14 SC 13G
2024-11-14 SC 13G
2024-02-13 SC 13G/A
2024-02-08 SC 13G/A
2024-02-08 SC 13G/A
2023-02-14 SC 13G/A
2023-02-06 SC 13G/A
2022-02-16 SC 13G
2022-02-09 SC 13G/A

Executive team

NameTitleCompensationGender
Fredrick R. Saunders Jr. Founder, Chief Executive Officer & Director 380.6K male
Paul C. Saunders Director & Founder 9.5K male
F. Justin Strickland President male
Jeremy Groom Executive Vice President of Compliance & Risk Management male
John Lindley Executive Vice President & Director of Operations male
Keith Shepherd Rainwater Executive Vice President & Chief Accounting Officer male
Leslie Chaplin Executive Vice President & Director of Human Resources female
Ben Brazell Senior Executive Vice President, Head of Retail Banking & Chief Experience Officer male
Robert Haile Senior Executive Vice President & Chief Financial Officer male
Charles H. Stuart President of First Reliance Mortgage male
ESG Rating
B+
BANKS - REGIONAL
2014
E (Environmental)
62.0 / 64.3
Company / Sector avg.
S (Social)
66.8 / 76.5
Company / Sector avg.
G (Governance)
64.6 / 75.5
Company / Sector avg.
ESG Total
64.4 / 72.1
Company / Sector avg.
ESG Score History BANKS - REGIONAL
Benchmark vs Sector
Senate Trading Activity

No Senate trading activity found for this company.

House Trading Activity

No House trading activity found for this company.

Market share among peers
Peer comparison — filtered group (TTM)
Your opinion

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Dividend history

Earnings history

Earnings reports

Stock splits