SHORE BANCSHARES INC (SHBI) Stock Fundamental Analysis
NASDAQ:SHBI - Nasdaq - US8251071051 - Common Stock - Currency: USD
Overall SHBI gets a fundamental rating of 4 out of 10. We evaluated SHBI against 393 industry peers in the Banks industry. Both the profitability and financial health of SHBI have multiple concerns. 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.
SHBI had a positive operating cash flow in the past year.
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 (0.80%) which is comparable to the rest of the industry.
SHBI has a Return On Equity (8.95%) which is comparable to the rest of the industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.8% | ||
| ROE | 8.95% | ||
| 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 Profit Margin value of 23.90%, SHBI perfoms like the industry average, outperforming 51.91% of the companies in the same industry.
In the last couple of years the Profit Margin of SHBI has declined.
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) | 23.9% | ||
| 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.
SHBI has more shares outstanding than it did 1 year ago.
The number of shares outstanding for SHBI has been increased compared to 5 years ago.
SHBI has a better debt/assets ratio than last year.
2.2 Solvency
SHBI has a debt to FCF ratio of 1.24. This is a very positive value and a sign of high solvency as it would only need 1.24 years to pay back of all of its debts.
SHBI's Debt to FCF ratio of 1.24 is fine compared to the rest of the industry. SHBI outperforms 66.41% of its industry peers.
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 61.07% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.13 | ||
| Debt/FCF | 1.24 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC22.69%
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 123.61% over the past year.
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 small growth in Revenue. The Revenue has grown by 2.43% 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)123.61%
EPS 3Y-6.93%
EPS 5Y0.77%
EPS Q2Q%35.29%
Revenue 1Y (TTM)2.43%
Revenue growth 3Y37.49%
Revenue growth 5Y27.4%
Sales Q2Q%12.13%
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 17.27% yearly.
Based on estimates for the next years, SHBI will show a quite strong growth in Revenue. The Revenue will grow by 14.31% on average per year.
EPS Next Y28.33%
EPS Next 2Y17.27%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year12.05%
Revenue Next 2Y14.31%
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.
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
Based on the Price/Earnings ratio of 9.87, the valuation of SHBI can be described as reasonable.
80.92% of the companies in the same industry are more expensive than SHBI, based on the Price/Earnings ratio.
Compared to an average S&P500 Price/Earnings ratio of 26.85, SHBI is valued rather cheaply.
A Price/Forward Earnings ratio of 8.69 indicates a reasonable valuation of SHBI.
Based on the Price/Forward Earnings ratio, SHBI is valued a bit cheaper than the industry average as 74.81% of the companies are valued more expensively.
SHBI's Price/Forward Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 34.98.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 9.87 | ||
| Fwd PE | 8.69 |
4.2 Price Multiples
Compared to the rest of the industry, the Price/Free Cash Flow ratio of SHBI indicates a somewhat cheap valuation: SHBI is cheaper than 74.81% of the companies listed in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 8.87 | ||
| 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 17.27% in the coming years.
PEG (NY)0.35
PEG (5Y)12.83
EPS Next 2Y17.27%
EPS Next 3YN/A
5. Dividend
5.1 Amount
SHBI has a Yearly Dividend Yield of 2.99%.
Compared to an average industry Dividend Yield of 3.41, SHBI has a dividend in line with its industry peers.
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 | 2.99% |
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 32.47% of its income as dividend. This is a sustainable payout ratio.
The dividend of SHBI is growing, but earnings are growing more, so the dividend growth is sustainable.
DP32.47%
EPS Next 2Y17.27%
EPS Next 3YN/A
NASDAQ:SHBI (8/20/2025, 12:30:44 PM)
15.89
-0.02 (-0.13%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners60.78%
Inst Owner Change6%
Ins Owners8.44%
Ins Owner Change1.51%
Market Cap530.25M
Analysts80
Price Target18.19 (14.47%)
Short Float %1.25%
Short Ratio2.26
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 2.99% |
Yearly Dividend0.48
Dividend Growth(5Y)2.55%
DP32.47%
Div Incr Years0
Div Non Decr Years2
Ex-Date
Surprises & Revisions
EPS beat(2)2
Avg EPS beat(2)12.12%
Min EPS beat(2)10.47%
Max EPS beat(2)13.76%
EPS beat(4)3
Avg EPS beat(4)4.78%
Min EPS beat(4)-6.1%
Max EPS beat(4)13.76%
EPS beat(8)3
Avg EPS beat(8)-25.61%
EPS beat(12)4
Avg EPS beat(12)-20.34%
EPS beat(16)7
Avg EPS beat(16)-12.3%
Revenue beat(2)0
Avg Revenue beat(2)-0.96%
Min Revenue beat(2)-1%
Max Revenue beat(2)-0.92%
Revenue beat(4)0
Avg Revenue beat(4)-0.9%
Min Revenue beat(4)-1.09%
Max Revenue beat(4)-0.57%
Revenue beat(8)1
Avg Revenue beat(8)-3.3%
Revenue beat(12)4
Avg Revenue beat(12)2.4%
Revenue beat(16)8
Avg Revenue beat(16)7.55%
PT rev (1m)4.9%
PT rev (3m)4.9%
EPS NQ rev (1m)0%
EPS NQ rev (3m)2.5%
EPS NY rev (1m)0%
EPS NY rev (3m)2.24%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)-7.25%
Revenue NY rev (1m)0%
Revenue NY rev (3m)-6.97%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 9.87 | ||
| Fwd PE | 8.69 | ||
| P/S | 2.56 | ||
| P/FCF | 8.87 | ||
| P/OCF | 8.25 | ||
| P/B | 0.96 | ||
| P/tB | 1.18 | ||
| EV/EBITDA | N/A |
EPS(TTM)1.61
EY10.13%
EPS(NY)1.83
Fwd EY11.51%
FCF(TTM)1.79
FCFY11.28%
OCF(TTM)1.93
OCFY12.12%
SpS6.2
BVpS16.56
TBVpS13.41
PEG (NY)0.35
PEG (5Y)12.83
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.8% | ||
| ROE | 8.95% | ||
| ROCE | N/A | ||
| ROIC | N/A | ||
| ROICexc | N/A | ||
| ROICexgc | N/A | ||
| OM | N/A | ||
| PM (TTM) | 23.9% | ||
| GM | N/A | ||
| FCFM | 28.89% |
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
ROICexcg growth 3YN/A
ROICexcg 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 | 1.24 | ||
| Debt/EBITDA | N/A | ||
| Cap/Depr | 27.94% | ||
| Cap/Sales | 2.16% | ||
| Interest Coverage | N/A | ||
| Cash Conversion | N/A | ||
| Profit Quality | 120.9% | ||
| Current Ratio | N/A | ||
| Quick Ratio | N/A | ||
| Altman-Z | N/A |
F-Score8
WACC22.69%
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)123.61%
EPS 3Y-6.93%
EPS 5Y0.77%
EPS Q2Q%35.29%
EPS Next Y28.33%
EPS Next 2Y17.27%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)2.43%
Revenue growth 3Y37.49%
Revenue growth 5Y27.4%
Sales Q2Q%12.13%
Revenue Next Year12.05%
Revenue Next 2Y14.31%
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 1Y63.41%
FCF growth 3YN/A
FCF growth 5Y29.36%
OCF growth 1Y66.23%
OCF growth 3YN/A
OCF growth 5Y27.82%