Stock Scorecard
Stock Summary for Shore Bancshares Inc (SHBI) - $15.59 as of 10/30/2025 8:54:07 AM EST
Total Score
22 out of 30
Safety Score
55 out of 100
Currently on the following lists
None
Tim's Recommendation
Buy
Growth List Algorithm Criteria for SHBI
| Positive Quarterly and Annual earnings growth | |
| P/E ratio less than Industry P/E Ratio | |
| P/E ratio less than Sector P/E Ratio | |
| P/E ratio that is half the Annual earnings growth rate (or less) | |
| Positive net cash position the past year and most recent quarter | |
| Equity to debt ratio greater than 0.75 for past year and most recent quarter | |
| Positive net income past year and 12 trailing months | |
| Free cash flow ratio greater than 0 and less than 10 |
Small Cap List Algorithm Criteria for SHBI
| Revenue growing by at least 20% average per year over the last 5 years | |
| Market Capitalization under 2 billion | |
| Price to Sales (P/S) ratio 12 trailing months less than Industry P/S ratio twelve trailing months | |
| Price to Sales (P/S) ratio 12 trailing months less than Sector P/S ratio twelve trailing months | |
| Net Income past year > Net Income prior year OR Net Income 12 trailing months > Net Income prior year OR Net Income 12 trailing months > Net Income past year |
Dividend List Algorithm Criteria for SHBI
| Declared an ex-dividend date | |
| Forward annual dividend rate greater than 2 | |
| Positive net cash position the past year and most recent quarter | |
| Equity to debt ratio greater than 0.75 for past year and most recent quarter | |
| Current ratio most recent quarter greater than 2 | |
| Cash Flow per Share greater than Trailing Dividend Rate |
Bonus Criteria for SHBI
| P/E ratio less than five-year Average P/E ratio | |
| Last Price to 52 Week Low Ratio Less Than 1 | |
| Total Cash Per Share > Last Day Price | |
| P/S Ratio < 1 | |
| P/B Ratio < 1 |
Safety Rating Criteria for SHBI (55 out of 100)
| Stock Price Rating (Max of 10) | 6 |
| Historical Stock Price Rating (Max of 10) | 6 |
| Stock Price Trend (Max of 10) | 2 |
| Book Value (Max of 10) | 6 |
| Book Value to Price (Max of 10) | 6 |
| Analyst Buy Ratings (Max of 5) | 0 |
| Analyst Strong Buy Ratings (Max of 5) | 4 |
| Dividend Yield Percentage (Max of 10) | 6 |
| Operating Margin (Max of 10) | 6 |
| Trading Volume (Max of 10) | 4 |
| Price to Earnings (Max of 10) | 9 |
| Geopolitical Risk Adjustment (Always 0 for USA or a Negative Number for Non-USA) | 0 |
Latest News for for SHBI
Financial Details for SHBI
Company Overview |
|
|---|---|
| Ticker | SHBI |
| Company Name | Shore Bancshares Inc |
| Country | USA |
| Description | Shore Bancshares, Inc. is a prominent bank holding company based in Easton, Maryland, operating through its subsidiary, Shore United Bank. The company provides a comprehensive range of commercial and consumer banking products and services tailored to meet the needs of individuals, businesses, and non-profit organizations across the Mid-Atlantic region. With a commitment to community development and customer-centric service, Shore Bancshares focuses on fostering long-term relationships while pursuing strategic growth opportunities in a competitive banking landscape. |
| Sector Name | FINANCIAL SERVICES |
| Industry Name | BANKS - REGIONAL |
| Most Recent Quarter | 9/30/2025 |
| Next Earnings Date | N/A |
Stock Price History |
|
| Last Day Price | 15.59 |
| Price 4 Years Ago | 18.42 |
| Last Day Price Updated | 10/30/2025 8:54:07 AM EST |
| Last Day Volume | 200,279 |
| Average Daily Volume | 145,152 |
| 52-Week High | 17.67 |
| 52-Week Low | 11.29 |
| Last Price to 52 Week Low | 38.09% |
Valuation Measures |
|
| Trailing PE | 9.12 |
| Industry PE | 16.48 |
| Sector PE | 22.96 |
| 5-Year Average PE | 13.14 |
| Free Cash Flow Ratio | 8.38 |
| Industry Free Cash Flow Ratio | 9.32 |
| Sector Free Cash Flow Ratio | 31.22 |
| Current Ratio Most Recent Quarter | 7.26 |
| Total Cash Per Share | 1.86 |
| Book Value Per Share Most Recent Quarter | 17.27 |
| Price to Book Ratio | 0.96 |
| Industry Price to Book Ratio | 1.11 |
| Sector Price to Book Ratio | 2.28 |
| Price to Sales Ratio Twelve Trailing Months | 2.45 |
| Industry Price to Sales Ratio Twelve Trailing Months | 2.94 |
| Sector Price to Sales Ratio Twelve Trailing Months | 3.75 |
| Analyst Buy Ratings | 0 |
| Analyst Strong Buy Ratings | 2 |
Share Statistics |
|
| Total Shares Outstanding | 33,421,700 |
| Market Capitalization | 521,044,303 |
| Institutional Ownership | 64.10% |
Dividends |
|
| Ex-Dividend Date | 8/11/2025 |
| Previous Dividend Amount | 0.1200 |
| Current Dividend Amount | 0.1200 |
| Total Years Dividend Increasing | 0 |
| Trailing Annual Dividend Rate | 0.48 |
| Trailing Annual Dividend Yield | 3.06% |
| Forward Annual Dividend Rate | 0.48 |
| Forward Annual Dividend Yield | 3.06% |
| 5-Year Dividend Payments Count | 20 |
| 3-Year Average Dividend Yield | 3.10% |
| 5-Year Average Dividend Yield | 3.08% |
| 1-Year Dividend Growth Rate Percentage | 0.00% |
| 3-Year Dividend Growth Rate Percentage | 0.00% |
| 5-Year Dividend Growth Rate Percentage | 0.00% |
| All-Time Dividend Growth Rate Percentage | 1.66% |
| Dividend Payout Ratio | 28.07% |
Income Statement |
|
| Quarterly Earnings Growth YOY | 27.80% |
| Annual Earnings Growth | 290.89% |
| Reported EPS 12 Trailing Months | 1.71 |
| Reported EPS Past Year | 1.30 |
| Reported EPS Prior Year | 1.33 |
| Net Income Twelve Trailing Months | 56,901,000 |
| Net Income Past Year | 43,889,000 |
| Net Income Prior Year | 11,228,000 |
| Quarterly Revenue Growth YOY | 8.70% |
| 5-Year Revenue Growth | 36.15% |
| Operating Margin Twelve Trailing Months | 40.90% |
Balance Sheet |
|
| Total Cash Most Recent Quarter | 62,289,000 |
| Total Cash Past Year | 459,851,000 |
| Total Cash Prior Year | 372,413,000 |
| Net Cash Position Most Recent Quarter | -61,952,000 |
| Net Cash Position Past Year | 336,134,000 |
| Long Term Debt Past Year | 123,717,000 |
| Long Term Debt Prior Year | 72,297,000 |
| Total Debt Most Recent Quarter | 124,241,000 |
| Equity to Debt Ratio Past Year | 0.81 |
| Equity to Debt Ratio Most Recent Quarter | 0.82 |
| Total Stockholder Equity Past Year | 541,066,000 |
| Total Stockholder Equity Prior Year | 511,135,000 |
| Total Stockholder Equity Most Recent Quarter | 577,207,000 |
Free Cash Flow |
|
| Free Cash Flow Twelve Trailing Months | 49,145,000 |
| Free Cash Flow Per Share Twelve Trailing Months | 1.47 |
| Free Cash Flow Past Year | 41,663,000 |
| Free Cash Flow Prior Year | 16,759,000 |
Options |
|
| Put/Call Ratio | 0.00 |
| Has Options | False |
| Liquidity Rating | None |
Technical Analysis |
|
| Yahoo Finance Chart | Yahoo Finance Chart |
| MACD | -0.21 |
| MACD Signal | -0.22 |
| 20-Day Bollinger Lower Band | 14.56 |
| 20-Day Bollinger Middle Band | 16.09 |
| 20-Day Bollinger Upper Band | 17.62 |
| Beta | 1.08 |
| RSI | 47.61 |
| 50-Day SMA | 13.14 |
| 150-Day SMA | 0.00 |
| 200-Day SMA | 14.23 |
System |
|
| Modified | 10/30/2025 8:54:54 AM EST |