Shore Bancshares, Inc. SHBI R2K

Financial Services · Banks - Regional · United States

https://shorebancshares.q4ir.com

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.

Market & Price

Market Cap

$691.20M

Current Price

$20.66

High / Low (52W)

$20.66 / $14.09

Beta

0.82

Valuation

Stock P/E

10.99

Industry PE

12.01

Forward P/E

9.35

PEG Ratio

1.17

Book Value

$18.02

Price to Book

1.15

P/S

3.08

EV/EBITDA

Dividend Yield

2.71%

Profitability & Returns

ROCE

ROE

10.88%

ROA

1.01%

Profit Margin

28.00%

Op Margin

43.11%

EPS (Latest Qtr)

$0.51

EPS (TTM)

$1.88

Balance Sheet & Liquidity

Debt/Equity

Quick Ratio

Current Ratio

Debt

$99.70M

Total Assets

$6.26B

Current Assets

Working Capital

Ownership

Promoter Holding

8.69%

Chg in Prom Hold

FII / Inst Holding

69.83%

Chg in FII Hold

Financial Snapshot

Enterprise Value

$449.62M

Total Revenue (TTM)

$224.40M

EBITDA

Free Cash Flow

Operating Cash Flow

$74.18M

Shares Outstanding

33.46M

Gross Margin

0.00%

Payout Ratio

25.53%

Growth (CAGR)

Revenue 5Y

21.85%

Profit 5Y

24.04%

Revenue (YoY)

14.80%

Earnings (YoY)

24.40%

PROS

Excellent profit margin of 28.0%.
Compounding revenue at 21.9% over 5 years.
Profit CAGR of 24.0% over 5 years.
Attractive dividend yield of 2.71%.
In a confirmed uptrend (50-DMA above 200-DMA).

CONS

No notable concerns flagged.

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

Price Chart

Robinhood TradingView StockAnalysis

Fundamental Growth

Period: Metric:

Figures from the latest reported periods. CAGR is computed across the displayed window (quarterly CAGR is annualised assuming 4 quarters per year).

Peer comparison

Peer companies in the same sector (Financial Services).

#	Name	CMP $	P/E	Mkt Cap	Div Yld %	ROCE %	ROE %	Rev CAGR 5Y %	Profit CAGR 5Y %
1	SHBI Shore Bancshares, Inc. R2K	20.66	10.99	$691.20M	2.71%	-	10.88%	21.85%	24.04%
2	JPM JPMorgan Chase & Co. SPX	299.31	14.33	$802.00B	2.00%	-	16.47%	12.50%	14.83%
3	V Visa Inc. SPX	326.36	28.48	$620.65B	0.82%	38.38%	60.35%	10.92%	10.28%
4	MA Mastercard Incorporated SPX	493.98	28.57	$436.47B	0.70%	61.47%	-	13.82%	14.66%
5	MS Morgan Stanley SPX	208.00	18.84	$328.08B	1.92%	-	16.39%	9.52%	15.20%
6	GS The Goldman Sachs Group, Inc. SPX	1,025.56	18.73	$302.55B	1.76%	-	14.55%	7.16%	15.11%
7	WFC Wells Fargo & Company SPX	77.54	11.98	$237.29B	2.32%	-	12.03%	4.02%	15.98%
8	BLK BlackRock, Inc. SPX	1,046.88	26.32	$162.51B	2.19%	4.89%	11.90%	10.65%	2.36%
9	SCHW The Charles Schwab Corporation SPX	87.35	17.37	$151.91B	1.47%	-	19.08%	4.83%	7.21%

Quarterly Results

Figures in USD.

Metric	Dec 2015	Mar 2016	Jun 2016	Sep 2016	Dec 2016	Mar 2017	Jun 2017	Sep 2017	Dec 2017	Mar 2018	Jun 2018	Sep 2018	Mar 2019	Jun 2019	Sep 2019	Dec 2019	Mar 2020	Jun 2020	Sep 2020	Dec 2020	Mar 2021	Jun 2021	Sep 2021	Dec 2021	Mar 2022	Jun 2022	Sep 2022	Dec 2022	Mar 2023	Jun 2023	Sep 2023	Mar 2024	Jun 2024	Sep 2024	Dec 2024	Mar 2025	Jun 2025	Sep 2025	Dec 2025	Mar 2026
Revenue	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	4.06M	-	3.79M	3.66M	6.35M	4.71M	5.25M	-	-	53.03M	56.57M	56.36M	59.11M	59.80M
Cost of Revenue	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Gross Profit	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Operating Expenses	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Operating Income	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
EBITDA	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Interest Expense	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	30.03M	29.37M	28.53M	29.72M	25.84M
Pretax Income	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	18.26M	20.63M	18.98M	20.78M	22.66M
Tax Provision	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	4.49M	5.12M	4.64M	4.89M	5.57M
Net Income	2.16M	2.46M	2.27M	2.41M	2.50M	2.80M	2.35M	3.41M	2.70M	4.06M	4.39M	4.45M	3.75M	4.22M	4.21M	4.01M	3.12M	5.33M	3.39M	3.89M	4.00M	4.03M	4.62M	2.72M	5.61M	7.50M	9.66M	8.41M	6.46M	4.02M	-9.74M	8.18M	11.23M	-	-	13.76M	15.51M	14.35M	15.89M	17.09M
Diluted EPS	0.17	0.19	0.18	0.19	0.20	0.22	0.19	0.27	0.21	0.32	0.34	0.35	0.29	0.33	0.33	-	0.25	0.43	0.27	-	0.34	0.34	0.39	-	0.28	0.38	0.49	-	0.32	0.20	-0.29	0.25	0.34	-	-	0.41	0.46	0.43	0.48	0.51

Profit & Loss (Annual)

Figures in USD.

Metric	Dec 2009	Dec 2010	Dec 2011	Dec 2012	Dec 2013	Dec 2014	Dec 2015	Dec 2016	Dec 2017	Dec 2018	Dec 2019	Dec 2020	Dec 2021	Dec 2022	Dec 2023	Dec 2024	Dec 2025
Revenue	-	-	-	-	-	-	-	-	-	-	-	-	-	124.39M	159.65M	201.70M	225.06M
Cost of Revenue	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Gross Profit	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Operating Expenses	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Operating Income	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
EBITDA	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Interest Expense	-	-	-	-	-	-	-	-	-	-	-	-	-	12.54M	78.77M	124.79M	117.65M
Pretax Income	-	-	-	-	-	-	-	-	-	-	-	-	-	42.14M	14.18M	58.70M	78.66M
Tax Provision	-	-	-	-	-	-	-	-	-	-	-	-	-	10.96M	2.96M	14.81M	19.15M
Net Income	7.27M	-1.67M	-897.00K	-9.64M	-9.63M	5.05M	7.11M	9.64M	11.26M	25.00M	16.20M	15.73M	-	31.18M	11.23M	43.89M	59.51M
Diluted EPS	0.64	-0.20	-0.11	-1.14	-1.14	0.46	0.56	0.76	0.89	1.96	1.27	1.27	-	1.57	0.42	1.32	1.78

Compounded Sales Growth

5 Years:	21.85%
1 Year:	14.80%

Compounded Profit Growth

5 Years:	24.04%
1 Year:	24.40%

Stock Price Performance

1 Year:	+45.70%
6 Months:	+19.23%
3 Months:	+11.92%
1 Month:	+8.05%

Balance Sheet (Annual)

Figures in USD.

Metric	Dec 2008	Dec 2009	Dec 2010	Dec 2011	Dec 2012	Dec 2013	Dec 2014	Dec 2015	Dec 2016	Dec 2017	Dec 2018	Mar 2019	Jun 2019	Sep 2019	Dec 2019	Mar 2020	Jun 2020	Sep 2020	Dec 2020	Mar 2021	Jun 2021	Sep 2021	Dec 2021	Mar 2022	Jun 2022	Sep 2022	Dec 2022	Dec 2023	Dec 2024	Dec 2025
Total Assets	-	-	1.13B	1.16B	1.19B	1.05B	1.10B	1.14B	1.16B	1.39B	1.48B	-	-	-	1.56B	-	-	-	1.93B	-	-	-	-	-	-	-	3.48B	6.01B	6.23B	6.26B
Current Assets	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Cash & Equivalents	27.29M	75.65M	77.96M	127.74M	200.19M	131.09M	96.22M	73.81M	75.94M	31.82M	67.22M	-	-	-	94.97M	-	-	-	186.92M	-	-	-	-	-	-	-	55.50M	372.41M	459.85M	355.57M
Inventory	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Receivables	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	9.38M	19.22M	19.57M	18.55M
Total Liabilities	-	-	1.01B	1.04B	1.07B	950.83M	959.93M	988.18M	1.01B	1.23B	1.30B	-	-	-	1.37B	-	-	-	1.74B	-	-	-	-	-	-	-	3.11B	5.50B	5.69B	5.67B
Current Liabilities	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Long Term Debt	-	-	932.00K	455.00K	0	-	-	-	-	-	15.00M	-	-	-	15.00M	-	-	-	-	-	-	-	-	-	-	-	43.07M	72.67M	123.72M	89.06M
Total Debt	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	92.98M	85.53M	135.56M	100.09M
Total Equity	127.39M	127.81M	122.51M	121.25M	114.03M	103.30M	140.47M	146.97M	154.30M	163.74M	183.19M	187.08M	191.31M	193.96M	192.80M	195.69M	200.13M	198.88M	195.02M	196.10M	198.68M	201.61M	-	351.86M	352.78M	357.22M	364.29M	511.13M	541.07M	589.87M
Shares Outstanding	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	19.85M	33.16M	33.33M	33.41M

Cash Flows (Annual)

Figures in USD.

Metric	Dec 2009	Dec 2010	Dec 2011	Dec 2012	Dec 2013	Dec 2014	Dec 2015	Dec 2016	Dec 2017	Dec 2018	Dec 2019	Dec 2020	Dec 2021	Dec 2022	Dec 2023	Dec 2024	Dec 2025
Operating Cash Flow	15.03M	19.89M	21.92M	21.39M	-	-	15.12M	19.02M	19.52M	18.30M	13.74M	18.43M	-	52.65M	22.71M	46.89M	62.39M
Investing Cash Flow	-67.44M	716.00K	-3.11M	16.20M	-	-	-65.35M	-33.73M	-72.30M	-42.45M	-45.68M	-280.08M	-	-581.57M	172.31M	-134.54M	-118.32M
Financing Cash Flow	100.77M	-18.29M	30.96M	34.86M	-	-	27.82M	16.84M	8.66M	59.56M	59.68M	353.60M	-	811.00K	121.89M	175.09M	-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	-	-2.42M	-5.95M	-5.22M	-3.17M
Free Cash Flow	13.47M	18.60M	20.71M	19.18M	-	-	13.60M	18.32M	18.26M	17.16M	11.50M	16.05M	-	50.23M	16.76M	41.66M	59.22M
Net Change in Cash	-	-	-	-	-	-	-	-	-	-	-	-	-	-528.11M	316.91M	87.44M	-104.28M
Dividends Paid	-	-	-	-	-	-	-	-	2.79M	4.08M	5.35M	5.95M	6.61M	9.53M	-	-	-

Ratios (Annual)

Figures in %.

Metric	Dec 2009	Dec 2010	Dec 2011	Dec 2012	Dec 2013	Dec 2014	Dec 2015	Dec 2016	Dec 2017	Dec 2018	Dec 2019	Dec 2020	Dec 2021	Dec 2022	Dec 2023	Dec 2024	Dec 2025
Gross Margin %	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Operating Margin %	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Net Margin %	-	-	-	-	-	-	-	-	-	-	-	-	-	25.1%	7.0%	21.8%	26.4%
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%	-	8.6%	2.2%	8.1%	10.1%
ROCE %	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-

Shareholding Pattern

Insiders

8.69%

Institutions

69.83%

Public Float

76.47%

Top Institutional Holders

#	Holder	% Held	Shares	Value
1	Blackrock Inc.	9.04%	3.02M	$62.47M
2	Dimensional Fund Advisors LP	5.03%	1.68M	$34.78M
3	Vanguard Capital Management LLC	4.11%	1.38M	$28.44M
4	Wellington Management Group, LLP	3.03%	1.01M	$20.94M
5	American Century Companies Inc	2.87%	960.61K	$19.85M
6	State Street Corporation	2.77%	925.16K	$19.11M
7	Manufacturers Life Insurance Co.	2.66%	890.08K	$18.39M
8	Geode Capital Management, LLC	2.30%	768.94K	$15.89M
9	Goldman Sachs Group Inc	1.64%	549.84K	$11.36M
10	Atlantic Union Bankshares Corp	1.46%	486.93K	$10.06M

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