SHORE BANCSHARES INC (SHBI) Fundamental Analysis & Valuation

NASDAQ:SHBI • US8251071051

Current stock price

19.39 USD
+0.09 (+0.47%)
Last:

This SHBI fundamental analysis includes valuation metrics, fair value assessment, financial health analysis, profitability trends, growth metrics and dividend sustainability analysis.

3

1. SHBI Profitability Analysis

1.1 Basic Checks

  • SHBI had positive earnings in the past year.
  • SHBI had a positive operating cash flow in the past year.
  • In the past 5 years SHBI has always been profitable.
  • Of the past 5 years SHBI 4 years had a positive operating cash flow.
SHBI Yearly Net Income VS EBIT VS OCF VS FCFSHBI Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 20M 40M 60M

1.2 Ratios

  • With a Return On Assets value of 0.95%, SHBI perfoms like the industry average, outperforming 50.40% of the companies in the same industry.
  • Looking at the Return On Equity, with a value of 10.09%, SHBI is in the better half of the industry, outperforming 60.21% of the companies in the same industry.
Industry RankSector Rank
ROA 0.95%
ROE 10.09%
ROIC N/A
ROA(3y)0.61%
ROA(5y)0.64%
ROE(3y)6.8%
ROE(5y)6.67%
ROIC(3y)N/A
ROIC(5y)N/A
SHBI Yearly ROA, ROE, ROICSHBI Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2 4 6 8 10

1.3 Margins

  • Looking at the Profit Margin, with a value of 26.44%, SHBI is in line with its industry, outperforming 57.03% of the companies in the same industry.
  • SHBI's Profit Margin has been stable 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 RankSector Rank
OM N/A
PM (TTM) 26.44%
GM N/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y1.77%
PM growth 5Y1.29%
GM growth 3YN/A
GM growth 5YN/A
SHBI Yearly Profit, Operating, Gross MarginsSHBI Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 10 20 30 40

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2

2. SHBI Health Analysis

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.
  • SHBI has more shares outstanding than it did 5 years ago.
  • The debt/assets ratio for SHBI is higher compared to a year ago.
SHBI Yearly Shares OutstandingSHBI Yearly Shares OutstandingYearly Shares Outstanding 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 10M 20M 30M
SHBI Yearly Total Debt VS Total AssetsSHBI Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2B 4B 6B

2.2 Solvency

  • The Debt to FCF ratio of SHBI is 1.50, which is an excellent value as it means it would take SHBI, only 1.50 years of fcf income to pay off all of its debts.
  • SHBI has a Debt to FCF ratio of 1.50. This is comparable to the rest of the industry: SHBI outperforms 56.23% of its industry peers.
  • SHBI has a Debt/Equity ratio of 0.15. This is a healthy value indicating a solid balance between debt and equity.
  • With a Debt to Equity ratio value of 0.15, SHBI perfoms like the industry average, outperforming 53.58% of the companies in the same industry.
Industry RankSector Rank
Debt/Equity 0.15
Debt/FCF 1.5
Altman-Z N/A
ROIC/WACCN/A
WACC19.17%
SHBI Yearly LT Debt VS Equity VS FCFSHBI Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 200M 400M

2.3 Liquidity

Industry RankSector Rank
Current Ratio N/A
Quick Ratio N/A
SHBI Yearly Current Assets VS Current LiabilitesSHBI Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 20M 40M 60M

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8

3. SHBI Growth Analysis

3.1 Past

  • SHBI shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 33.83%, which is quite impressive.
  • SHBI shows a small growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 7.33% yearly.
  • Looking at the last year, SHBI shows a quite strong growth in Revenue. The Revenue has grown by 11.59% in the last year.
  • The Revenue has been growing by 28.88% on average over the past years. This is a very strong growth!
EPS 1Y (TTM)33.83%
EPS 3Y2.77%
EPS 5Y7.33%
EPS Q2Q%20%
Revenue 1Y (TTM)11.59%
Revenue growth 3Y21.85%
Revenue growth 5Y28.88%
Sales Q2Q%14.61%

3.2 Future

  • The Earnings Per Share is expected to grow by 11.85% on average over the next years. This is quite good.
  • Based on estimates for the next years, SHBI will show a quite strong growth in Revenue. The Revenue will grow by 13.48% on average per year.
EPS Next Y12.37%
EPS Next 2Y11.85%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year20.69%
Revenue Next 2Y13.48%
Revenue Next 3YN/A
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.
SHBI Yearly Revenue VS EstimatesSHBI Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 50M 100M 150M 200M 250M
SHBI Yearly EPS VS EstimatesSHBI Yearly EPS VS EstimatesYearly EPS VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 0.5 1 1.5 2

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6

4. SHBI Valuation Analysis

4.1 Price/Earnings Ratio

  • Based on the Price/Earnings ratio of 10.89, the valuation of SHBI can be described as reasonable.
  • SHBI's Price/Earnings ratio is a bit cheaper when compared to the industry. SHBI is cheaper than 75.07% of the companies in the same industry.
  • SHBI is valuated cheaply when we compare the Price/Earnings ratio to 27.33, which is the current average of the S&P500 Index.
  • The Price/Forward Earnings ratio is 9.69, which indicates a very decent valuation of SHBI.
  • 72.41% of the companies in the same industry are more expensive than SHBI, based on the Price/Forward Earnings ratio.
  • When comparing the Price/Forward Earnings ratio of SHBI to the average of the S&P500 Index (38.16), we can say SHBI is valued rather cheaply.
Industry RankSector Rank
PE 10.89
Fwd PE 9.69
SHBI Price Earnings VS Forward Price EarningsSHBI Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 10 20 30

4.2 Price Multiples

  • SHBI's Price/Free Cash Flow ratio is a bit cheaper when compared to the industry. SHBI is cheaper than 64.46% of the companies in the same industry.
Industry RankSector Rank
P/FCF 10.94
EV/EBITDA N/A
SHBI Per share dataSHBI EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 5 10 15

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.
PEG (NY)0.88
PEG (5Y)1.49
EPS Next 2Y11.85%
EPS Next 3YN/A

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5

5. SHBI Dividend Analysis

5.1 Amount

  • With a Yearly Dividend Yield of 2.45%, SHBI has a reasonable but not impressive dividend return.
  • Compared to an average industry Dividend Yield of 2.53, SHBI has a dividend in line with its industry peers.
  • SHBI's Dividend Yield is a higher than the S&P500 average which is at 1.82.
Industry RankSector Rank
Dividend Yield 2.45%

5.2 History

  • The dividend of SHBI decreases each year by -0.31%.
  • SHBI has been paying a dividend for at least 10 years, so it has a reliable track record.
  • SHBI has not decreased its dividend in the last 3 years.
Dividend Growth(5Y)-0.31%
Div Incr Years0
Div Non Decr Years3
SHBI Yearly Dividends per shareSHBI Yearly Dividends per shareYearly Dividends per share 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 0.1 0.2 0.3 0.4 0.5

5.3 Sustainability

  • SHBI pays out 27.05% of its income as dividend. This is a sustainable payout ratio.
DP27.05%
EPS Next 2Y11.85%
EPS Next 3YN/A
SHBI Yearly Income VS Free CF VS DividendSHBI Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 20M 40M
SHBI Dividend Payout.SHBI Dividend Payout, showing the Payout Ratio.SHBI Dividend Payout.PayoutRetained Earnings

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SHBI Fundamentals: All Metrics, Ratios and Statistics

SHORE BANCSHARES INC

NASDAQ:SHBI (4/15/2026, 12:41:02 PM)

19.39

+0.09 (+0.47%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)01-28
Earnings (Next)04-23
Inst Owners67.02%
Inst Owner Change0.01%
Ins Owners8.5%
Ins Owner Change0.82%
Market Cap648.01M
Revenue(TTM)225.07M
Net Income(TTM)59.51M
Analysts80
Price Target20.78 (7.17%)
Short Float %2.46%
Short Ratio2.83
Dividend
Industry RankSector Rank
Dividend Yield 2.45%
Yearly Dividend0.48
Dividend Growth(5Y)-0.31%
DP27.05%
Div Incr Years0
Div Non Decr Years3
Ex-Date03-04
Surprises & Revisions
EPS beat(2)1
Avg EPS beat(2)-3.17%
Min EPS beat(2)-7.01%
Max EPS beat(2)0.66%
EPS beat(4)3
Avg EPS beat(4)4.35%
Min EPS beat(4)-7.01%
Max EPS beat(4)13.76%
EPS beat(8)5
Avg EPS beat(8)-0.18%
EPS beat(12)5
Avg EPS beat(12)-18.57%
EPS beat(16)6
Avg EPS beat(16)-15.33%
Revenue beat(2)0
Avg Revenue beat(2)-1.72%
Min Revenue beat(2)-2.09%
Max Revenue beat(2)-1.34%
Revenue beat(4)0
Avg Revenue beat(4)-1.33%
Min Revenue beat(4)-2.09%
Max Revenue beat(4)-0.9%
Revenue beat(8)0
Avg Revenue beat(8)-1.54%
Revenue beat(12)1
Avg Revenue beat(12)-2.86%
Revenue beat(16)5
Avg Revenue beat(16)3.08%
PT rev (1m)0%
PT rev (3m)7.24%
EPS NQ rev (1m)0%
EPS NQ rev (3m)0.07%
EPS NY rev (1m)0%
EPS NY rev (3m)1.96%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)5.9%
Revenue NY rev (1m)0%
Revenue NY rev (3m)6.08%
Valuation
Industry RankSector Rank
PE 10.89
Fwd PE 9.69
P/S 2.88
P/FCF 10.94
P/OCF 10.39
P/B 1.1
P/tB 1.3
EV/EBITDA N/A
EPS(TTM)1.78
EY9.18%
EPS(NY)2
Fwd EY10.32%
FCF(TTM)1.77
FCFY9.14%
OCF(TTM)1.87
OCFY9.63%
SpS6.73
BVpS17.65
TBVpS14.87
PEG (NY)0.88
PEG (5Y)1.49
Graham Number26.5875 (37.12%)
Profitability
Industry RankSector Rank
ROA 0.95%
ROE 10.09%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) 26.44%
GM N/A
FCFM 26.31%
ROA(3y)0.61%
ROA(5y)0.64%
ROE(3y)6.8%
ROE(5y)6.67%
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 3Y1.77%
PM growth 5Y1.29%
GM growth 3YN/A
GM growth 5YN/A
F-Score7
Asset Turnover0.04
Health
Industry RankSector Rank
Debt/Equity 0.15
Debt/FCF 1.5
Debt/EBITDA N/A
Cap/Depr 20.66%
Cap/Sales 1.41%
Interest Coverage N/A
Cash Conversion N/A
Profit Quality 99.52%
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score7
WACC19.17%
ROIC/WACCN/A
Cap/Depr(3y)35.89%
Cap/Depr(5y)52.12%
Cap/Sales(3y)2.51%
Cap/Sales(5y)2.78%
Profit Quality(3y)114.57%
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)33.83%
EPS 3Y2.77%
EPS 5Y7.33%
EPS Q2Q%20%
EPS Next Y12.37%
EPS Next 2Y11.85%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)11.59%
Revenue growth 3Y21.85%
Revenue growth 5Y28.88%
Sales Q2Q%14.61%
Revenue Next Year20.69%
Revenue Next 2Y13.48%
Revenue Next 3YN/A
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 1Y42.15%
FCF growth 3Y5.64%
FCF growth 5Y29.84%
OCF growth 1Y33.07%
OCF growth 3Y5.82%
OCF growth 5Y27.62%

SHORE BANCSHARES INC / SHBI Fundamental Analysis FAQ

What is the fundamental rating for SHBI stock?

ChartMill assigns a fundamental rating of 4 / 10 to SHBI.


Can you provide the valuation status for SHORE BANCSHARES INC?

ChartMill assigns a valuation rating of 6 / 10 to SHORE BANCSHARES INC (SHBI). This can be considered as Fairly Valued.


How profitable is SHORE BANCSHARES INC (SHBI) stock?

SHORE BANCSHARES INC (SHBI) has a profitability rating of 3 / 10.


How financially healthy is SHORE BANCSHARES INC?

The financial health rating of SHORE BANCSHARES INC (SHBI) is 2 / 10.


What is the earnings growth outlook for SHORE BANCSHARES INC?

The Earnings per Share (EPS) of SHORE BANCSHARES INC (SHBI) is expected to grow by 12.37% in the next year.