18.11 USD
+0.52 (+2.96%)
18.11 USD
0 (0%)
We assign a fundamental rating of 5 out of 10 to SHBI. SHBI was compared to 387 industry peers in the Banks industry. SHBI may be in some trouble as it scores bad on both profitability and health. SHBI is growing strongly while it also seems undervalued. This is an interesting combination
1. Profitability
1.1 Basic Checks
In the past year SHBI was profitable.
SHBI had a positive operating cash flow in the past year.
In the past 5 years SHBI has always been profitable.
SHBI had a positive operating cash flow in 4 of the past 5 years.
1.2 Ratios
With a Return On Assets value of 0.91%, SHBI perfoms like the industry average, outperforming 50.65% of the companies in the same industry.
SHBI's Return On Equity of 9.86% is fine compared to the rest of the industry. SHBI outperforms 62.53% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.91% | ||
| ROE | 9.86% | ||
| ROIC | N/A |
ROA(3y)0.6%
ROA(5y)0.61%
ROE(3y)6.29%
ROE(5y)6.26%
ROIC(3y)N/A
ROIC(5y)N/A
1.3 Margins
With a decent Profit Margin value of 26.00%, SHBI is doing good in the industry, outperforming 60.47% of the companies in the same industry.
In the last couple of years the Profit Margin of SHBI has declined.
The Operating Margin and Gross Margin are not available for SHBI so they could not be analyzed.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | N/A | ||
| PM (TTM) | 26% | ||
| GM | N/A |
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y3.12%
PM growth 5Y-4.19%
GM growth 3YN/A
GM growth 5YN/A
2. Health
2.1 Basic Checks
SHBI does not have a ROIC to compare to the WACC, probably because it is not profitable.
The number of shares outstanding for SHBI has been increased compared to 1 year ago.
The number of shares outstanding for SHBI has been increased compared to 5 years ago.
The debt/assets ratio for SHBI has been reduced compared to a year ago.
2.2 Solvency
SHBI has a debt to FCF ratio of 0.90. This is a very positive value and a sign of high solvency as it would only need 0.90 years to pay back of all of its debts.
The Debt to FCF ratio of SHBI (0.90) is better than 68.73% of its industry peers.
SHBI has a Debt/Equity ratio of 0.13. This is a healthy value indicating a solid balance between debt and equity.
With a decent Debt to Equity ratio value of 0.13, SHBI is doing good in the industry, outperforming 60.47% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.13 | ||
| Debt/FCF | 0.9 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC21.11%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
The Earnings Per Share has grown by an impressive 36.00% over the past year.
Measured over the past 5 years, SHBI shows a small growth in Earnings Per Share. The EPS has been growing by 0.77% on average per year.
SHBI shows quite a strong growth in Revenue. In the last year, the Revenue has grown by 10.57%.
The Revenue has been growing by 27.40% on average over the past years. This is a very strong growth!
EPS 1Y (TTM)36%
EPS 3Y-6.93%
EPS 5Y0.77%
EPS Q2Q%26.47%
Revenue 1Y (TTM)10.57%
Revenue growth 3Y37.49%
Revenue growth 5Y27.4%
Sales Q2Q%12.46%
3.2 Future
SHBI is expected to show quite a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 18.81% yearly.
The Revenue is expected to grow by 11.38% on average over the next years. This is quite good.
EPS Next Y35.71%
EPS Next 2Y21.45%
EPS Next 3Y18.81%
EPS Next 5YN/A
Revenue Next Year12.96%
Revenue Next 2Y13.36%
Revenue Next 3Y11.38%
Revenue Next 5YN/A
3.3 Evolution
The EPS growth rate is accelerating: in the next years the growth will be better than in the last years.
The estimated forward Revenue growth is still strong, although it is decreasing when compared to the stronger growth in the past years.
4. Valuation
4.1 Price/Earnings Ratio
The Price/Earnings ratio is 10.65, which indicates a very decent valuation of SHBI.
76.23% of the companies in the same industry are more expensive than SHBI, based on the Price/Earnings ratio.
SHBI's Price/Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 27.00.
The Price/Forward Earnings ratio is 9.23, which indicates a very decent valuation of SHBI.
SHBI's Price/Forward Earnings ratio is a bit cheaper when compared to the industry. SHBI is cheaper than 74.94% of the companies in the same industry.
SHBI's Price/Forward Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 23.70.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 10.65 | ||
| Fwd PE | 9.23 |
4.2 Price Multiples
SHBI's Price/Free Cash Flow ratio is rather cheap when compared to the industry. SHBI is cheaper than 84.50% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 7.33 | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
The low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.
A more expensive valuation may be justified as SHBI's earnings are expected to grow with 18.81% in the coming years.
PEG (NY)0.3
PEG (5Y)13.85
EPS Next 2Y21.45%
EPS Next 3Y18.81%
5. Dividend
5.1 Amount
SHBI has a Yearly Dividend Yield of 2.71%.
Compared to an average industry Dividend Yield of 2.78, SHBI has a dividend in line with its industry peers.
Compared to an average S&P500 Dividend Yield of 1.94, SHBI pays a bit more dividend than the S&P500 average.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 2.71% |
5.2 History
The dividend of SHBI has a limited annual growth rate of 2.55%.
SHBI has paid a dividend for at least 10 years, which is a reliable track record.
SHBI has decreased its dividend in the last 3 years.
Dividend Growth(5Y)2.55%
Div Incr Years0
Div Non Decr Years2
5.3 Sustainability
SHBI pays out 28.28% of its income as dividend. This is a sustainable payout ratio.
SHBI's earnings are growing more than its dividend. This makes the dividend growth sustainable.
DP28.28%
EPS Next 2Y21.45%
EPS Next 3Y18.81%
18.11
+0.52 (+2.96%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners66.07%
Inst Owner Change0%
Ins Owners8.46%
Ins Owner Change0.24%
Market Cap605.42M
Revenue(TTM)218.82M
Net Income(TTM)56.90M
Analysts80
Price Target19.38 (7.01%)
Short Float %1.83%
Short Ratio3.07
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 2.71% |
Yearly Dividend0.48
Dividend Growth(5Y)2.55%
DP28.28%
Div Incr Years0
Div Non Decr Years2
Ex-DateN/A
Surprises & Revisions
EPS beat(2)1
Avg EPS beat(2)1.49%
Min EPS beat(2)-7.01%
Max EPS beat(2)10%
EPS beat(4)3
Avg EPS beat(4)6.8%
Min EPS beat(4)-7.01%
Max EPS beat(4)13.76%
EPS beat(8)4
Avg EPS beat(8)-1.45%
EPS beat(12)4
Avg EPS beat(12)-20%
EPS beat(16)6
Avg EPS beat(16)-13.17%
Revenue beat(2)0
Avg Revenue beat(2)-1.49%
Min Revenue beat(2)-2.09%
Max Revenue beat(2)-0.9%
Revenue beat(4)0
Avg Revenue beat(4)-1.23%
Min Revenue beat(4)-2.09%
Max Revenue beat(4)-0.9%
Revenue beat(8)0
Avg Revenue beat(8)-2.37%
Revenue beat(12)2
Avg Revenue beat(12)-1.57%
Revenue beat(16)6
Avg Revenue beat(16)4.86%
PT rev (1m)4.59%
PT rev (3m)6.54%
EPS NQ rev (1m)0%
EPS NQ rev (3m)2.37%
EPS NY rev (1m)0%
EPS NY rev (3m)-1.15%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)-1.1%
Revenue NY rev (1m)0%
Revenue NY rev (3m)-0.35%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 10.65 | ||
| Fwd PE | 9.23 | ||
| P/S | 2.77 | ||
| P/FCF | 7.33 | ||
| P/OCF | 7.01 | ||
| P/B | 1.05 | ||
| P/tB | 1.27 | ||
| EV/EBITDA | N/A |
EPS(TTM)1.7
EY9.39%
EPS(NY)1.96
Fwd EY10.83%
FCF(TTM)2.47
FCFY13.64%
OCF(TTM)2.58
OCFY14.26%
SpS6.55
BVpS17.27
TBVpS14.27
PEG (NY)0.3
PEG (5Y)13.85
Graham Number25.7
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.91% | ||
| ROE | 9.86% | ||
| ROCE | N/A | ||
| ROIC | N/A | ||
| ROICexc | N/A | ||
| ROICexgc | N/A | ||
| OM | N/A | ||
| PM (TTM) | 26% | ||
| GM | N/A | ||
| FCFM | 37.74% |
ROA(3y)0.6%
ROA(5y)0.61%
ROE(3y)6.29%
ROE(5y)6.26%
ROIC(3y)N/A
ROIC(5y)N/A
ROICexc(3y)N/A
ROICexc(5y)N/A
ROICexgc(3y)N/A
ROICexgc(5y)N/A
ROCE(3y)N/A
ROCE(5y)N/A
ROICexgc growth 3YN/A
ROICexgc growth 5YN/A
ROICexc growth 3YN/A
ROICexc growth 5YN/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y3.12%
PM growth 5Y-4.19%
GM growth 3YN/A
GM growth 5YN/A
F-Score8
Asset Turnover0.03
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.13 | ||
| Debt/FCF | 0.9 | ||
| Debt/EBITDA | N/A | ||
| Cap/Depr | 23.8% | ||
| Cap/Sales | 1.71% | ||
| Interest Coverage | N/A | ||
| Cash Conversion | N/A | ||
| Profit Quality | 145.14% | ||
| Current Ratio | N/A | ||
| Quick Ratio | N/A | ||
| Altman-Z | N/A |
F-Score8
WACC21.11%
ROIC/WACCN/A
Cap/Depr(3y)42.76%
Cap/Depr(5y)67.18%
Cap/Sales(3y)2.69%
Cap/Sales(5y)3.26%
Profit Quality(3y)135.06%
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)36%
EPS 3Y-6.93%
EPS 5Y0.77%
EPS Q2Q%26.47%
EPS Next Y35.71%
EPS Next 2Y21.45%
EPS Next 3Y18.81%
EPS Next 5YN/A
Revenue 1Y (TTM)10.57%
Revenue growth 3Y37.49%
Revenue growth 5Y27.4%
Sales Q2Q%12.46%
Revenue Next Year12.96%
Revenue Next 2Y13.36%
Revenue Next 3Y11.38%
Revenue Next 5YN/A
EBIT growth 1YN/A
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y666.82%
FCF growth 3YN/A
FCF growth 5Y29.36%
OCF growth 1Y901.9%
OCF growth 3YN/A
OCF growth 5Y27.82%
SHORE BANCSHARES INC / SHBI FAQ
What is the fundamental rating for SHBI stock?
ChartMill assigns a fundamental rating of 5 / 10 to SHBI.
Can you provide the valuation status for SHORE BANCSHARES INC?
ChartMill assigns a valuation rating of 7 / 10 to SHORE BANCSHARES INC (SHBI). This can be considered as Undervalued.
What is the profitability of SHBI stock?
SHORE BANCSHARES INC (SHBI) has a profitability rating of 3 / 10.
What is the financial health of SHORE BANCSHARES INC (SHBI) stock?
The financial health rating of SHORE BANCSHARES INC (SHBI) is 3 / 10.
How sustainable is the dividend of SHORE BANCSHARES INC (SHBI) stock?
The dividend rating of SHORE BANCSHARES INC (SHBI) is 5 / 10 and the dividend payout ratio is 28.28%.