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Company Analysis

Shore Bancshares, Inc. SHBI

A comprehensive view of key metrics, scores, and financial health for Shore Bancshares, Inc.

Overview of Shore Bancshares, Inc.

SHBI NMS
Financial Services Banks - Regional Small Cap
Shore Bancshares, Inc. (SHBI), is a Small Cap company, in the Banks - Regional industry, last closed at $17.72, about 0.8% undervalued vs fair value, +29.7% 1Y return, ranked 471/1004 in sector.
$17.72
-0.06%
As of March 13, 2026
Previous close • Vol 90d: 26.8%
52-Week Range
Market Cap
$601.20M
Enterprise Value
$662.15M
Overall Score
Scores locked

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Top Beats

Quick Facts

Website https://shorebancshares.q4ir.c...
HQ Easton, MD
Fiscal year Dec 31

Next Events

No upcoming events available.

Fair Value Snapshot

Bear Base Bull
$10
$18
$33
Current: $17.72 +1% vs base

Engine Room Money Flow™

Small Cap

Financial Services - Where revenue goes and how value is created

Flow Steps
Interest Income
$295.3M
38%%
Interest Expense
$117.7M
Net Interest Income
$170.5M
26%%
Total Revenue
$342.7M
69.9%%
Money Flow Bridge
Flow Direction: Money moves from left to right
Components: Breakdown shows composition of each stage
Industry-Specific: Financial Services

Quality & Reliability Indicators

Return on Equity
8.1%
Fair

Net Income / Equity - key bank profitability metric

Locked Metric
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Owner's Pocket - Capital Allocation

Total Returned to Shareholders

Combined dividends, buybacks, and debt reduction

$16.0M
36.5% of Net Income

Where It Leaks

Cash Flow Health critical
Significant cash flow inefficiencies identified. Multiple high-impact leaks require attention.
1
Active Leaks
1/1
Improving
0
High Impact
1
Critical
Moat Analysis Bank Specialized

Competitive Advantage Assessment

Evaluating Shore Bancshares, Inc.'s durable competitive advantages across 6 defense dimensions

Overall Moat Strength
50
/100
Developing
Scores based on quantitative metrics and qualitative factors

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Deposit Franchise

Developing
45
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For informational purposes only. Not investment advice.

Trade-Off Ledger™

Where management spends the performance budget - Growth, Profitability, or Safety

Banks (Regional & Diversified) vs Industry Peers 91% Coverage
Trade-Off Triangle Visualization A ternary plot showing SHBI's balance between Growth (42.0%), Profitability (30.3%), and Safety (27.7%). Growth 42% Safety 28% Profitability 30%

Click axes to expand details. Marker shows current allocation.

3-Year Trend Analysis Locked
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Growth

59th percentile vs peers
60
Key Signals
Revenue CAGR 3Y 40.2% 92p Rev Growth YoY 69.9% 63p Asset Growth YoY 0.4% 22p
Strengths
  • Revenue Cagr 3Y in top 20% of peers (40.2%, 92th percentile)
Risks

No significant risks identified for this axis.

Profitability

42th percentile vs peers
43
Key Signals
Strengths
Risks
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Safety

39th percentile vs peers
39
Key Signals
Strengths
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Two Futures

Scenario-based fair value ranges for Shore Bancshares, Inc..

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Unable to Compute Fair Value

This company cannot be valued using standard models.

What this means: The Scenario Theatre requires financial data (revenue, cash flow, shares outstanding) to calculate fair value estimates. This data may be unavailable for:

  • Recently listed companies (IPOs, SPACs)
  • Shell companies or holding companies
  • Companies that haven't filed recent financials
  • Foreign companies with limited data coverage
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Bear
-
- - -
- upside
-
Base
$17.87
- - -
+0.8% vs current
Snapshot base estimate
Bull
-
- - -
- upside
-
Fair Value Range Current: $-
$- $- $-
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