SHBI

Shore Bancshares, Inc.

Fundamental data last updated:August 12, 2026

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company profile

SECTOR

Financial Services

industry

Banks - Regional

Exchange

NASDAQ

County of HQ

US

Next Earnings Date

Pending Announcement

Business Summary

Shore Bancshares, Inc. operates as a bank holding company for the Shore United Bank that provides various commercial and consumer banking products and services to individuals, businesses, and other organizations. It offers checking, savings, overnight investment sweep, and money market accounts; and regular and IRA certificates of deposit, as well as CDARS programs and cash management services. The company also provides commercial loans, such as secured and unsecured loans, working capital loans, lines of credit, term loans, accounts receivable financing, real estate acquisition and development loans, construction loans, and letters of credit; residential real estate construction loans; residential mortgage loans; and loans to consumers, including home equity, automobile, installment, home improvement, and personal lines of credit, as well as other consumer financing products. In addition, it offers non-deposit products, such as mutual funds and annuities, and discount brokerage services; and trust, asset management, and financial planning services. Further, the company provides merchant credit card clearing, as well as telephone, mobile, and Internet banking services; safe deposit boxes; debit and credit cards; direct deposit of payroll; and automatic teller machine (ATM) services. It operates 29 full service branches, 30 ATMs, and 5 loan production offices in Baltimore City, Baltimore County, Howard County, Kent County, Queen Anne's County, Caroline County, Talbot County, Dorchester County, Anne Arundel County, and Worcester County in Maryland; Kent County, Delaware; and Accomack County, Virginia. The company was founded in 1876 and is headquartered in Easton, Maryland.

 


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VALUATION

P/E

10.98

Market Cap ($M USD)

$690.53M

Forward P/E

9.34

PEG

0.53

PRICE TO SALES

2.00

PRICE TO BOOK

1.14

EV / EBITDA

9.43

5-Year Average P/E

Free Cash Flow Yield

10.27%

DCF Value

$40.37

Graham Number

$27.61

Price to FCF

9.73

EV to FCF

10.52

Earnings Yield

9.11%

FCF Yield

10.27%

DIVIDEND

Yield

2.33%

Annual Payout

$0.48

Payout Ratio

25.61%

Consecutive Years of Dividend Growth

5-Year Dividend Growth Rate

Financial Health & Profitability

Earnings Per Share

$1.88

Next Year EPS Growth Estimate

$2.21

Next Year Revenue Growth Estimate

$258.95M

Return on Equity (ROE)

10.76%

FREE CASH FLOW

Operating Margin

24.05%

Debt-to-Equity

0.19

Piotroski F-Score

7

Altman Z-Score

0.24

Return on Invested Capital (ROIC)

1.34%

Current Ratio

0.00

Quick Ratio

0.00

Net Debt to EBITDA

0.70

Interest Coverage

0.73

Gross Profit margin

64.99%

FCF PER SHARE

$2.12

REVENUE PER SHARE

$10.33

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Gainseekers Quantitative Analysis

Summary

Shore Bancshares, Inc. appears to be a compelling deep value play. Recent pricing indicated it traded significantly below its DCF Value and Graham Number, suggesting a potential mispricing by the market. With a Forward P/E of 8.92 and an Earnings Yield of 9.53%, the stock offers attractive valuation metrics. However, the Altman Z-score of 0.24 raises red flags about financial distress, hinting at potential risks. Despite this, the overall valuation suggests room for growth if the company can navigate its challenges effectively.

AI Exposure / Tech Reliance

As a regional bank, Shore Bancshares is not directly tied to AI or tech innovation, but its industry is increasingly influenced by digital banking trends. The company's ability to integrate modern technology into its operations will be crucial for maintaining competitiveness. However, its traditional banking model may limit its agility in adapting to rapid tech shifts.

The Bull Case

For value and GARP investors, Shore Bancshares offers a tantalizing opportunity. The company boasts a robust Piotroski F-Score of 7, indicating strong financial health. Its FCF Yield of 10.75% and a solid operating margin of 24.05% highlight efficient capital management and pricing power. With a low Debt/Equity ratio of 0.19, the company demonstrates prudent financial stewardship, making it an attractive buy for those seeking undervalued gems with solid fundamentals.

The Bear Case

Despite its strengths, Shore Bancshares faces significant structural risks. The Altman Z-score suggests potential financial distress, and its proximity to the 52-week high raises concerns about technical overextension. The Price/Book ratio of 1.09 and Price/Sales of 1.91 indicate that the stock may not be as cheap as it seems. Additionally, the low ROIC of 1.34% questions the company's ability to generate substantial returns on invested capital, posing a risk for long-term investors.

Market Sentiment & Smart Money

Short Interest %

Analyst Consensus

Buy

Average Analyst Price Target

$22.00

Institutional Ownership %

1-Year Beta

0.82

Insider Buying % (6 Mo)

Distance to 52-Week High

0.24%

Distance to 52-Week Low

30.96%

EARNINGS SURPRISE %

22.22%

50-DAY SMA

$19.22

200-DAY SMA

$17.87

⚠️ Financial Disclaimer:
This content is for informational purposes only and is not financial advice. Information may be delayed or inaccurate. We may earn a commission from partner links.