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Shore Bancshares, Inc. SHBI R2K

Financial Services · Banks - Regional · United States
https://www.shorebancshares.com
Company Profile ↓
$23.02
+41.14% 1Y
Mkt Cap$770.16M
P/E12.24
P/B1.28
Div. Yield2.47%
52W High$23.40
52W Low$14.75
Book Value$18.02
EPS (TTM)$1.88

Company Overview

Shore Bancshares, Inc. operates as a bank holding company for Shore United Bank, N.A. that provides various consumer and commercial banking products and services to individuals, businesses, and other organizations in the United States. The company offers checking, savings, overnight investment sweep, and money market accounts; and regular and IRA certificates of deposit, as well as certificate of deposit account registry service programs and cash management services. It 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, the company offers trust, wealth management, and financial planning services; treasury management services, such as merchant card processing, remote deposit capture, and ACH origination, as well as telephone, mobile, and Internet banking services; safe deposit boxes; debit and credit cards; and automatic teller machine services. Shore Bancshares, Inc. was founded in 1876 and is headquartered in Easton, Maryland.

Why Investors Should Care

Consistent Profit Growth

Net profit has compounded at 14.0% per year over the last five years.

Steady Revenue Expansion

Revenue has grown at a 13.0% CAGR over the past five years.

Reasonable Valuation

Trades at a P/E of 12.2, below the sector median of 13.5.

Healthy Margins

Maintains a net profit margin of 28.0%.

Dividend Income

Offers a dividend yield of 2.47%.

Positive Free Cash Flow

Generates positive free cash flow, funding growth and shareholder returns internally.

Recent Developments

  • Dec 2025 Revenue of $20.85M (-0.3% YoY); net profit $59.51M.
  • Trailing 12 Months Year-on-year growth — revenue +14.8%, earnings +24.4%.
  • 5-Year Trend Long-term compounding — revenue CAGR 13.0%, profit CAGR 14.0%.

Growth & Price Performance

Compounded Sales Growth

5 Years:12.99%
1 Year:14.80%

Compounded Profit Growth

5 Years:14.04%
1 Year:24.40%

Stock Price Performance

1 Year:+41.14%
6 Months:+30.68%
3 Months:+20.08%
1 Month:+0.92%

Highlights auto-generated from reported financials and price data; not investment advice. Verify with official filings before acting.

Technical Snapshot Bullish
52-Week Range 96% of range
$14.75 $23.40
Trend Signals
  • Price vs 50-DMAAbove
  • Price vs 200-DMAAbove
  • RSI (14)61.61 · Neutral
Price Performance
1M+0.92%
3M+20.08%
6M+30.68%
1Y+41.14%
Valuation vs Sector

P/E of 12.24 is below the sector median of 13.52 — relatively cheaper than peers.

Auto-generated from price history and fundamentals; not investment advice.

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Price Chart

Robinhood TradingView

Fundamental Growth Charts

Interactive charts for Revenue, Net Income, EBITDA, Free Cash Flow, EPS, ROE, ROCE, Gross/Net/Operating Margin and more — switch metric and period using the dropdowns above. CAGR is computed across the displayed window (quarterly CAGR is annualised). Visual growth charts make it easy to spot multi-year compounding trends at a glance — far faster than reading raw numbers in a table.

PROS

  • Excellent profit margin of 28.0%.
  • Compounding revenue at 13.0% over 5 years.
  • Profit CAGR of 14.0% over 5 years.
  • Generates positive free cash flow.
  • In a confirmed uptrend (50-DMA above 200-DMA).

CONS

No notable concerns flagged.

* The pros and cons are auto-generated from financial metrics.

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Valuation

Stock P/E
12.24
Industry PE
13.52
Forward P/E
10.31
PEG Ratio
1.17
Book Value
$18.02
Price to Book
1.28
P/S
3.44
EV/EBITDA
-
Dividend Yield
2.47%

Growth (CAGR)

Revenue 5Y
12.99%
Profit 5Y
14.04%
Revenue (YoY)
14.80%
Earnings (YoY)
24.40%

Profitability & Returns

ROCE
-
ROE
10.88%
ROA
1.01%
Profit Margin
28.00%
Op Margin
43.11%
Gross Margin
0.00%
EPS (Latest Qtr)
$0.51
EPS (TTM)
$1.88

Balance Sheet & Liquidity

Debt/Equity
-
Quick Ratio
-
Current Ratio
-
Debt
$99.70M
Total Assets
$6.21B
Current Assets
-
Working Capital
-

Ownership

Promoter Holding
8.69%
Chg in Prom Hold
-
FII / Inst Holding
69.86%
Chg in FII Hold
0.04%

Financial Snapshot

Enterprise Value
$770.16M
Total Revenue (TTM)
$224.40M
EBITDA
-
Free Cash Flow
$59.22M
Operating Cash Flow
$74.18M
Shares Outstanding
33.46M
Gross Margin
0.00%
Payout Ratio
25.53%

Peer comparison

Peer companies in the same sector (Financial Services).

#NameCMP $P/E Mkt CapDiv Yld % ROCE %ROE % Rev CAGR 5Y %Profit CAGR 5Y %
1 SHBI Shore Bancshares, Inc. R2K 23.02 12.24 $770.16M 2.47% - 10.88% 12.99% 14.04%
2 JPM JPMorgan Chase & Co. SPX 346.91 16.61 $929.55B 1.87% - 16.47% 5.35% 7.56%
3 BRK-B Berkshire Hathaway Inc. SPX 488.35 14.54 $682.86B 0.00% - 10.50% 4.18% 9.44%
4 V Visa Inc. SPX 355.14 30.99 $589.43B 0.75% 37.15% 60.35% 14.33% 13.04%
5 MA Mastercard Incorporated SPX 535.21 30.99 $469.40B 0.65% 60.19% - 12.29% 19.21%
6 BAC Bank of America Corporation SPX 61.59 15.28 $432.24B 1.88% - 10.64% 6.00% 3.49%
7 MS Morgan Stanley SPX 228.55 20.70 $360.49B 1.76% - 16.39% 3.76% 9.66%
8 GS The Goldman Sachs Group, Inc. SPX 1,152.07 17.79 $339.87B 1.58% - 16.95% - 2.21%
9 WFC Wells Fargo & Company SPX 87.51 13.53 $267.80B 2.11% - 12.03% 4.02% 15.98%
Financial Statements Quarterly Results · Profit & Loss · Balance Sheet · Cash Flows · Ratios

Quarterly Results

Figures in USD.

Metric Jun 2015Sep 2015Dec 2015Mar 2016Jun 2016Sep 2016Dec 2016Mar 2017Jun 2017Sep 2017Dec 2017Mar 2018Jun 2018Sep 2018Mar 2019Jun 2019Sep 2019Dec 2019Mar 2020Jun 2020Sep 2020Dec 2020Mar 2021Jun 2021Sep 2021Dec 2021Mar 2022Jun 2022Sep 2022Dec 2022Mar 2023Jun 2023Sep 2023Mar 2024Jun 2024Sep 2024Mar 2025Jun 2025Sep 2025Mar 2026
Revenue ----------------------------4.06M-3.79M3.66M6.35M4.71M5.25M4.74M4.77M5.71M5.13M5.39M
Net Income 1.63M1.91M2.16M2.46M2.27M2.41M2.50M2.80M2.35M3.41M2.70M4.06M4.39M4.45M3.75M4.22M4.21M4.01M3.12M5.33M3.39M3.89M4.00M4.03M4.62M2.72M5.61M7.50M9.66M8.41M6.46M4.02M-9.74M8.18M11.23M11.19M13.76M15.51M14.35M17.09M
Diluted EPS 0.130.150.170.190.180.190.200.220.190.270.210.320.340.350.290.330.33-0.250.430.27-0.340.340.39-0.280.380.49-0.320.20-0.290.250.340.340.410.460.430.51

Profit & Loss (Annual)

Figures in USD.

Metric Dec 2009Dec 2010Dec 2011Dec 2012Dec 2013Dec 2014Dec 2015Dec 2016Dec 2017Dec 2018Dec 2019Dec 2020Dec 2021Dec 2022Dec 2023Dec 2024Dec 2025
Revenue ---------8.87M9.46M9.21M11.01M15.34M18.34M20.91M20.85M
Net Income 7.27M-1.67M-897.00K-9.64M-9.63M5.05M7.11M9.64M11.26M25.00M16.20M15.73M15.37M31.18M11.23M43.89M59.51M
Diluted EPS 0.64-0.20-0.11-1.14-1.140.460.560.760.891.961.271.271.171.570.421.321.78

Balance Sheet (Annual)

Figures in USD.

Metric Dec 2008Dec 2009Dec 2010Dec 2011Dec 2012Dec 2013Dec 2014Dec 2015Dec 2016Dec 2017Dec 2018Mar 2019Jun 2019Sep 2019Dec 2019Mar 2020Jun 2020Sep 2020Dec 2020Mar 2021Jun 2021Sep 2021Dec 2021Mar 2022Jun 2022Sep 2022Dec 2022Dec 2023Dec 2024Dec 2025
Total Assets --1.13B1.16B1.19B1.05B1.10B1.14B1.16B1.39B1.48B---1.56B---1.93B---3.46B---3.48B6.01B6.23B6.26B
Total Equity 127.39M127.81M122.51M121.25M114.03M103.30M140.47M146.97M154.30M163.74M183.19M187.08M191.31M193.96M192.80M195.69M200.13M198.88M195.02M196.10M198.68M201.61M350.69M351.86M352.78M357.22M364.29M511.13M541.07M589.87M
Cash & Equivalents 27.29M75.65M77.96M127.74M200.19M131.09M96.22M73.81M75.94M31.82M67.22M---94.97M---186.92M---583.61M---55.50M372.41M459.85M355.57M
Long Term Debt --932.00K455.00K0-----15.00M---15.00M-----------43.07M72.67M73.72M89.06M
Total Liabilities --1.01B1.04B1.07B950.83M959.93M988.18M1.01B1.23B1.30B---1.37B---1.74B---3.11B---3.11B5.50B5.69B5.67B

Cash Flows (Annual)

Figures in USD.

Metric Dec 2009Dec 2010Dec 2011Dec 2012Dec 2013Dec 2014Dec 2015Dec 2016Dec 2017Dec 2018Dec 2019Dec 2020Dec 2021Dec 2022Dec 2023Dec 2024Dec 2025
Operating Cash Flow 15.03M19.89M21.92M21.39M--15.12M19.02M19.52M18.30M13.74M18.43M-7.50M52.65M22.71M46.89M62.39M
Investing Cash Flow -67.44M716.00K-3.11M16.20M---65.35M-33.73M-72.30M-42.45M-45.68M-280.08M38.19M-581.57M172.31M-134.54M-118.32M
Financing Cash Flow 100.77M-18.29M30.96M34.86M--27.82M16.84M8.66M59.56M59.68M353.60M366.01M811.00K121.89M175.09M-48.35M
Capital Expenditure -1.55M-1.29M-1.22M-2.20M-545.00K-2.08M-1.52M-699.00K-1.26M-1.13M-2.24M-2.38M-3.45M-2.42M-5.95M-5.22M-3.17M
Free Cash Flow 13.47M18.60M20.71M19.18M--13.60M18.32M18.26M17.16M11.50M16.05M-10.95M50.23M16.76M41.66M59.22M
Dividends Paid --------2.79M4.08M5.35M5.95M6.61M9.53M---

Ratios (Annual)

Figures in %.

Metric Dec 2009Dec 2010Dec 2011Dec 2012Dec 2013Dec 2014Dec 2015Dec 2016Dec 2017Dec 2018Dec 2019Dec 2020Dec 2021Dec 2022Dec 2023Dec 2024Dec 2025
Gross Margin % -----------------
Operating Margin % -----------------
Net Margin % ---------281.9%171.2%170.9%139.6%203.2%61.2%209.9%285.4%
ROE % 5.7%-1.4%-0.7%-8.5%-9.3%3.6%4.8%6.2%6.9%13.6%8.4%8.1%4.4%8.6%2.2%8.1%10.1%
ROCE % -----------------

Shareholding Pattern

Insiders
8.69%
Institutions
69.86%
Public Float
76.51%

Top Institutional Holders

#Holder% HeldSharesValue
1 Blackrock Inc. 9.04% 3.02M $69.66M
2 Dimensional Fund Advisors LP 5.03% 1.68M $38.79M
3 Vanguard Capital Management LLC 4.11% 1.38M $31.72M
4 Wellington Management Group, LLP 3.03% 1.01M $23.36M
5 American Century Companies Inc 2.87% 960.61K $22.13M
6 State Street Corporation 2.77% 925.16K $21.32M
7 Manufacturers Life Insurance Co. 2.66% 890.08K $20.51M
8 Geode Capital Management, LLC 2.30% 768.94K $17.72M
9 Goldman Sachs Group Inc 1.64% 549.84K $12.67M
10 Atlantic Union Bankshares Corp 1.46% 486.93K $11.22M

Analyst View

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Latest News

Recent headlines for SHBI

Google News Fri, 10 Jul 2026

Shore Bancshares (NASDAQ:SHBI) Stock Price Passes Above 200-Day Moving Average - Here's What Happened - MarketBeat

<a href="https://news.google.com/rss/articles/CBMi4wFBVV95cUxNS2FCYVVyUmp6U1FMOEVKLU1IQ0RJRGdjUXR0dk93SFFiVm1zb2lzWUxWUkpzRmRLeVdoT3lPLXlkZUYtZ0ZTMXJOT2RHazVpRGthYXFMaUpTX1hiaV9rVWIya3F3MHVaV19wdzcyOWlUcXBNdnRfRDJpTjhOX0c1UUhPbk1DX3VJU3NzS0…

Google News Mon, 29 Jun 2026

Shore Bancshares Inc (SHBI) Hits Fresh High: Is There Still Room to Run? - Yahoo Finance

<a href="https://news.google.com/rss/articles/CBMimwFBVV95cUxNZkE1SjJYeWtrOEhienVySXZaWGg2VHNUdFBlS2VhLU9ETmVUTk9sdTM2VlFmSjJpeE51UURHMGR2NXNYVW1MYW1nU0dPMHlwWDJrZGVNZjFvcllBTkl6OWpHeGM2cmVvbHN1ZzBMSi1heGljSnVBM1dJVzZJTzhFc2RSbmEtR3J5aG0ySn…

Google News hu, 21 May 2026

Shore Bancshares, Inc. Announces Increased Dividend and $30 Million Stock Repurchase Program - PR Newswire

<a href="https://news.google.com/rss/articles/CBMi3gFBVV95cUxQb2NBRURnS0ZTZ1ZUMmUtZ3NibURfdnJYTUlMRnR6LWlPUl9oNkxGU3B4cWIxMnpRdWREblZ0dDNkUEVWT19ndVpMbFNPNlhxUV92VTlmZTZNd2hla21VUEVzUGpVNkdvRG1wcVNyUlE0ekFUTHpuVFBHSTIwRFd1T1JHWkJoWmgwT0FoS2…

Google News hu, 09 Jul 2026

How Shore Bancshares Inc (SHBI) Affects Rotational Strategy Timing - Stock Traders Daily

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Google News Wed, 08 Jul 2026

Undervalued Small Caps With Insider Activity To Explore In July 2026 - simplywall.st

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Google News hu, 09 Jul 2026

Shore Bancshares (SHBI) Eases 1.68% as Key Support at $21.11 Remains in Focus - TWAP Entry - dars.gov.et

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SHBI — Frequently Asked Questions

What is the current share price of Shore Bancshares, Inc. (SHBI)?

As of 2026-07-15 16:51 PDT, Shore Bancshares, Inc. (SHBI) trades at $23.02 on NasdaqGS. Its 52-week range is $14.75 to $23.40.

What is the market capitalisation of SHBI?

Shore Bancshares, Inc. (SHBI) has a market capitalisation of $770.16M on NasdaqGS.

What is the P/E ratio of SHBI?

SHBI trades at a trailing price-to-earnings (P/E) ratio of 12.24. The industry average P/E is 13.52. Its price-to-book (P/B) ratio is 1.28.

Does SHBI pay a dividend?

Shore Bancshares, Inc. (SHBI) currently offers a dividend yield of 2.47%.

What is the return on equity (ROE) of SHBI?

SHBI has a return on equity (ROE) of 10.88%.

Is SHBI a good stock to buy?

This page provides a data-driven analysis of Shore Bancshares, Inc. (SHBI), including valuation ratios, profitability, growth trends, auto-generated pros and cons, peer comparison and AI exposure. Review these fundamentals alongside your own research and risk tolerance. This is informational content, not investment advice.

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