(SHBI) Shore Bancshares - Overview
Sector: Financial Services | Industry: Banks - Regional | Exchange: NASDAQ (USA) | Market Cap: 637m USD | Total Return: 42.9% in 12m
Avg Turnover: 3.54M
EPS Trend: 72.9%
Qual. Beats: 1
Rev. Trend: 85.2%
Qual. Beats: 0
Warnings
Fakeout
Tailwinds
Confidence
Shore Bancshares, Inc. (SHBI) is a Maryland-based bank holding company for Shore United Bank, N.A. Founded in 1876, the firm provides a full suite of commercial and consumer banking services, including deposit products, cash management, and diverse lending solutions such as real estate, construction, and installment loans. The company also manages non-interest income streams through trust, wealth management, and financial planning services.
Operating within the regional banking sector, Shore Bancshares relies on a traditional spread-based business model, earning interest income from its loan portfolio while maintaining local deposit bases. Regional banks often face unique regulatory oversight compared to national money-center banks and are heavily influenced by the economic health of their specific geographic footprint. For a deeper analysis of these regional risk factors and valuation metrics, consult ValueRay. Shore Bancshares remains focused on the Mid-Atlantic region, utilizing treasury management and digital banking tools to compete for small-to-medium enterprise (SME) clients.
- Net interest margin fluctuations driven by Federal Reserve monetary policy shifts
- Commercial real estate loan concentration increases exposure to regional economic cycles
- Integration of recent acquisitions determines long-term operating efficiency and profitability
- Wealth management fee income provides critical diversification from core lending revenue
- Regulatory capital requirements influence dividend stability and share repurchase capacity
| Net Income: 62.8m TTM > 0 and > 6% of Revenue |
| FCF/TA: 0.01 > 0.02 and ΔFCF/TA 0.22 > 1.0 |
| NWC/Revenue: 15.67% < 20% (prev -1.47k%; Δ 1.48k% < -1%) |
| CFO/TA 0.01 > 3% & CFO 74.2m > Net Income 62.8m |
| Net Debt (66.2m) to EBITDA (97.9m): 0.68 < 3 |
| Current Ratio: 6.10 > 1.5 & < 3 |
| Outstanding Shares: last quarter (33.4m) vs 12m ago 0.22% < -2% |
| Gross Margin: 64.99% > 18% (prev 0.61%; Δ 6.44k% > 0.5%) |
| Asset Turnover: 5.58% > 50% (prev 5.37%; Δ 0.20% > 0%) |
| Interest Coverage Ratio: 0.73 > 6 (EBITDA TTM 97.9m / Interest Expense TTM 113.5m) |
| A: 0.01 (Total Current Assets 64.7m - Total Current Liabilities 10.6m) / Total Assets 6.21b |
| B: 0.04 (Retained Earnings 246.6m / Total Assets 6.21b) |
| C: 0.01 (EBIT TTM 83.1m / Avg Total Assets 6.19b) |
| D: 0.04 (Book Value of Equity 241.7m / Total Liabilities 5.60b) |
| Altman-Z'' = 0.32 = B |
| DSRI: 0.97 (Receivables 20.7m/20.6m, Revenue 345.3m/331.8m) |
| GMI: 0.94 (GM 64.99% / 60.77%) |
| AQI: 1.10 (AQ_t 0.98 / AQ_t-1 0.89) |
| SGI: 1.04 (Revenue 345.3m / 331.8m) |
| TATA: -0.00 (NI 62.8m - CFO 74.2m) / TA 6.21b) |
| Beneish M = -3.03 (Cap -4..+1) = AA |
As of May 24, 2026, the stock is trading at USD 19.95 with a total of 227,191 shares traded.
Over the past week, the price has changed by +6.14%,
over one month by +5.42%,
over three months by +8.08% and
over the past year by +42.90%.
Shore Bancshares has received a consensus analysts rating of 3.67. Therefore, it is recommended to hold SHBI.
- StrongBuy: 0
- Buy: 2
- Hold: 1
- Sell: 0
- StrongSell: 0
| Analysts Target Price | 21.4 | 7.2% |
P/E Forward = 10.0908
P/S = 2.8402
P/B = 1.0946
P/EG = 1.1676
Revenue TTM = 345.3m USD
EBIT TTM = 83.1m USD
EBITDA TTM = 97.9m USD
Long Term Debt = 89.0m USD (from longTermDebt, last quarter)
Short Term Debt = 10.6m USD (from shortTermDebt, last quarter)
Debt = 110.2m USD (from shortLongTermDebtTotal, last quarter) + Leases 10.6m
Net Debt = 66.2m USD (calculated: Debt 110.2m - CCE 44.1m)
Enterprise Value = 703.5m USD (637.3m + Debt 110.2m - CCE 44.1m)
Interest Coverage Ratio = 0.73 (Ebit TTM 83.1m / Interest Expense TTM 113.5m)
EV/FCF = 9.17x (Enterprise Value 703.5m / FCF TTM 76.7m)
FCF Yield = 10.91% (FCF TTM 76.7m / Enterprise Value 703.5m)
FCF Margin = 22.22% (FCF TTM 76.7m / Revenue TTM 345.3m)
Net Margin = 18.20% (Net Income TTM 62.8m / Revenue TTM 345.3m)
Gross Margin = 64.99% ((Revenue TTM 345.3m - Cost of Revenue TTM 120.9m) / Revenue TTM)
Gross Margin QoQ = 69.73% (prev 63.36%)
Tobins Q-Ratio = 0.11 (Enterprise Value 703.5m / Total Assets 6.21b)
Interest Expense / Debt = 102.9% (Interest Expense 113.5m / Debt 110.2m)
Taxrate = 24.58% (5.57m / 22.7m)
NOPAT = 62.6m (EBIT 83.1m * (1 - 24.58%))
Current Ratio = 4.77 (Total Current Assets 64.7m / Total Current Liabilities 13.6m)
Debt / Equity = 0.18 (Debt 110.2m / totalStockholderEquity, last quarter 602.7m)
Debt / EBITDA = 0.68 (Net Debt 66.2m / EBITDA 97.9m)
Debt / FCF = 0.86 (Net Debt 66.2m / FCF TTM 76.7m)
Total Stockholder Equity = 583.7m (last 4 quarters mean from totalStockholderEquity)
RoA = 1.01% (Net Income 62.8m / Total Assets 6.21b)
RoE = 10.76% (Net Income TTM 62.8m / Total Stockholder Equity 583.7m)
RoCE = 12.35% (EBIT 83.1m / Capital Employed (Equity 583.7m + L.T.Debt 89.0m))
RoIC = 1.02% (NOPAT 62.6m / Invested Capital 6.16b)
WACC = 8.13% (E(637.3m)/V(747.6m) * Re(9.54%) + (debt cost/tax rate unavailable))
Discount Rate = 9.54% (= CAPM, Blume Beta Adj.)
Shares (quarterly) Correlation: 91.11 | Cagr: 0.17%
[DCF] Terminal Value 77.97% ; FCFF base≈71.2m ; Y1≈81.6m ; Y5≈120.1m
[DCF] Fair Price = 52.05 (EV 1.81b - Net Debt 66.2m = Equity 1.74b / Shares 33.5m; r=8.35% [WACC [floored]]; 5y FCF grow 15.0% → 2.50% )
EPS Correlation: 72.91 | EPS CAGR: 41.59% | SUE: 1.23 | # QB: 1
Revenue Correlation: 85.20 | Revenue CAGR: 27.35% | SUE: 0.68 | # QB: 0
EPS current Quarter (2026-06-30): EPS=0.50 | Chg30d=+3.63% | Revisions=+50% | Analysts=4
EPS next Quarter (2026-09-30): EPS=0.53 | Chg30d=+2.94% | Revisions=+50% | Analysts=4
EPS current Year (2026-12-31): EPS=2.08 | Chg30d=+5.73% | Revisions=+50% | GrowthEPS=+16.7% | GrowthRev=+8.2%
EPS next Year (2027-12-31): EPS=2.21 | Chg30d=+0.80% | Revisions=+25% | GrowthEPS=+6.4% | GrowthRev=+4.9%
[Analyst] Revisions Ratio: +50%