SHORE BANCSHARES INC (SHBI) Stock Fundamental Analysis
USA - NASDAQ:SHBI - US8251071051 - Common Stock
16.18 USD
+0.15 (+0.94%)
We assign a fundamental rating of 5 out of 10 to SHBI. SHBI was compared to 388 industry peers in the Banks industry. SHBI has a bad profitability rating. Also its financial health evaluation is rather negative. SHBI is not overvalued while it is showing excellent growth. This is an interesting combination.
1. Profitability
1.1 Basic Checks
In the past year SHBI was profitable.
In the past year SHBI had a positive cash flow from operations.
SHBI had positive earnings in each of the past 5 years.
SHBI had a positive operating cash flow in 4 of the past 5 years.
1.2 Ratios
SHBI has a Return On Assets (0.89%) which is in line with its industry peers.
SHBI has a Return On Equity of 9.51%. This is in the better half of the industry: SHBI outperforms 60.31% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.89% | ||
| ROE | 9.51% | ||
| 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 25.23%, SHBI is doing good in the industry, outperforming 60.82% of the companies in the same industry.
SHBI's Profit Margin has declined in the last couple of years.
SHBI does not have Operating Margin and Gross Margin available, so we won't be analyzing them here.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | N/A | ||
| PM (TTM) | 25.23% | ||
| 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.
Compared to 1 year ago, SHBI has more shares outstanding
SHBI has more shares outstanding than it did 5 years ago.
SHBI has a better debt/assets ratio than last year.
2.2 Solvency
The Debt to FCF ratio of SHBI is 1.51, which is an excellent value as it means it would take SHBI, only 1.51 years of fcf income to pay off all of its debts.
SHBI has a Debt to FCF ratio (1.51) which is comparable to the rest of the industry.
A Debt/Equity ratio of 0.13 indicates that SHBI is not too dependend on debt financing.
Looking at the Debt to Equity ratio, with a value of 0.13, SHBI is in the better half of the industry, outperforming 60.57% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.13 | ||
| Debt/FCF | 1.51 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC22.4%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
SHBI shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 36.00%, which is quite impressive.
SHBI shows a small growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 0.77% yearly.
Looking at the last year, SHBI shows a quite strong growth in Revenue. The Revenue has grown by 10.57% in the last year.
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
Based on estimates for the next years, SHBI will show a quite strong growth in Earnings Per Share. The EPS will grow by 19.05% on average per year.
SHBI is expected to show quite a strong growth in Revenue. In the coming years, the Revenue will grow by 15.09% yearly.
EPS Next Y35.67%
EPS Next 2Y21.39%
EPS Next 3Y19.05%
EPS Next 5YN/A
Revenue Next Year13.05%
Revenue Next 2Y19.25%
Revenue Next 3Y15.09%
Revenue Next 5YN/A
3.3 Evolution
When comparing the EPS growth rate of the last years to the growth rate of the upcoming years, we see that the growth is accelerating.
Although the future Revenue growth is still strong, it is not able to hold up the even more excellent growth rate of the past years.
4. Valuation
4.1 Price/Earnings Ratio
The Price/Earnings ratio is 9.52, which indicates a very decent valuation of SHBI.
Compared to the rest of the industry, the Price/Earnings ratio of SHBI indicates a rather cheap valuation: SHBI is cheaper than 81.19% of the companies listed in the same industry.
When comparing the Price/Earnings ratio of SHBI to the average of the S&P500 Index (26.06), we can say SHBI is valued rather cheaply.
The Price/Forward Earnings ratio is 8.26, 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 79.38% of the companies in the same industry.
The average S&P500 Price/Forward Earnings ratio is at 32.73. SHBI is valued rather cheaply when compared to this.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 9.52 | ||
| Fwd PE | 8.26 |
4.2 Price Multiples
SHBI's Price/Free Cash Flow ratio is in line with the industry average.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 11 | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
SHBI's low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.
SHBI's earnings are expected to grow with 19.05% in the coming years. This may justify a more expensive valuation.
PEG (NY)0.27
PEG (5Y)12.37
EPS Next 2Y21.39%
EPS Next 3Y19.05%
5. Dividend
5.1 Amount
SHBI has a Yearly Dividend Yield of 3.01%. Purely for dividend investing, there may be better candidates out there.
SHBI's Dividend Yield is comparable with the industry average which is at 3.38.
Compared to an average S&P500 Dividend Yield of 2.36, SHBI pays a bit more dividend than the S&P500 average.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 3.01% |
5.2 History
The dividend of SHBI has a limited annual growth rate of 2.55%.
SHBI has been paying a dividend for at least 10 years, so it has a reliable track record.
The dividend of SHBI decreased in the last 3 years.
Dividend Growth(5Y)2.55%
Div Incr Years0
Div Non Decr Years2
5.3 Sustainability
29.88% of the earnings are spent on dividend by SHBI. This is a low number and sustainable payout ratio.
SHBI's earnings are growing more than its dividend. This makes the dividend growth sustainable.
DP29.88%
EPS Next 2Y21.39%
EPS Next 3Y19.05%
NASDAQ:SHBI (11/10/2025, 12:18:55 PM)
16.18
+0.15 (+0.94%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners63.82%
Inst Owner Change1.11%
Ins Owners8.46%
Ins Owner Change0.71%
Market Cap540.74M
Revenue(TTM)218.82M
Net Income(TTM)53.74M
Analysts80
Price Target18.36 (13.47%)
Short Float %1.49%
Short Ratio3.43
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 3.01% |
Yearly Dividend0.48
Dividend Growth(5Y)2.55%
DP29.88%
Div Incr Years0
Div Non Decr Years2
Ex-Date
Surprises & Revisions
EPS beat(2)2
Avg EPS beat(2)11.88%
Min EPS beat(2)10%
Max EPS beat(2)13.76%
EPS beat(4)3
Avg EPS beat(4)7.03%
Min EPS beat(4)-6.1%
Max EPS beat(4)13.76%
EPS beat(8)4
Avg EPS beat(8)-19.85%
EPS beat(12)5
Avg EPS beat(12)-18.95%
EPS beat(16)7
Avg EPS beat(16)-12.4%
Revenue beat(2)0
Avg Revenue beat(2)-0.95%
Min Revenue beat(2)-1%
Max Revenue beat(2)-0.9%
Revenue beat(4)0
Avg Revenue beat(4)-0.85%
Min Revenue beat(4)-1%
Max Revenue beat(4)-0.57%
Revenue beat(8)1
Avg Revenue beat(8)-1.93%
Revenue beat(12)3
Avg Revenue beat(12)0.4%
Revenue beat(16)7
Avg Revenue beat(16)6.44%
PT rev (1m)0.93%
PT rev (3m)0.93%
EPS NQ rev (1m)0%
EPS NQ rev (3m)0%
EPS NY rev (1m)-1.17%
EPS NY rev (3m)5.72%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)0.5%
Revenue NY rev (1m)-0.26%
Revenue NY rev (3m)0.9%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 9.52 | ||
| Fwd PE | 8.26 | ||
| P/S | 2.54 | ||
| P/FCF | 11 | ||
| P/OCF | 10.22 | ||
| P/B | 0.96 | ||
| P/tB | 1.17 | ||
| EV/EBITDA | N/A |
EPS(TTM)1.7
EY10.51%
EPS(NY)1.96
Fwd EY12.11%
FCF(TTM)1.47
FCFY9.09%
OCF(TTM)1.58
OCFY9.79%
SpS6.37
BVpS16.91
TBVpS13.85
PEG (NY)0.27
PEG (5Y)12.37
Graham Number25.43
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.89% | ||
| ROE | 9.51% | ||
| ROCE | N/A | ||
| ROIC | N/A | ||
| ROICexc | N/A | ||
| ROICexgc | N/A | ||
| OM | N/A | ||
| PM (TTM) | 25.23% | ||
| GM | N/A | ||
| FCFM | 23.07% |
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-Score6
Asset Turnover0.04
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.13 | ||
| Debt/FCF | 1.51 | ||
| Debt/EBITDA | N/A | ||
| Cap/Depr | 23.64% | ||
| Cap/Sales | 1.77% | ||
| Interest Coverage | N/A | ||
| Cash Conversion | N/A | ||
| Profit Quality | 91.45% | ||
| Current Ratio | N/A | ||
| Quick Ratio | N/A | ||
| Altman-Z | N/A |
F-Score6
WACC22.4%
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 Y35.67%
EPS Next 2Y21.39%
EPS Next 3Y19.05%
EPS Next 5YN/A
Revenue 1Y (TTM)10.57%
Revenue growth 3Y37.49%
Revenue growth 5Y27.4%
Sales Q2Q%12.46%
Revenue Next Year13.05%
Revenue Next 2Y19.25%
Revenue Next 3Y15.09%
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 1Y176.41%
FCF growth 3YN/A
FCF growth 5Y29.36%
OCF growth 1Y161.31%
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.
What is the valuation status of SHORE BANCSHARES INC (SHBI) stock?
ChartMill assigns a valuation rating of 6 / 10 to SHORE BANCSHARES INC (SHBI). This can be considered as Fairly Valued.
What is the profitability of SHBI stock?
SHORE BANCSHARES INC (SHBI) has a profitability rating of 3 / 10.
What are the PE and PB ratios of SHORE BANCSHARES INC (SHBI) stock?
The Price/Earnings (PE) ratio for SHORE BANCSHARES INC (SHBI) is 9.52 and the Price/Book (PB) ratio is 0.96.
Can you provide the expected EPS growth for SHBI stock?
The Earnings per Share (EPS) of SHORE BANCSHARES INC (SHBI) is expected to grow by 35.67% in the next year.