Stock Scorecard

Stock Summary for Shore Bancshares Inc (SHBI) - $23.61 as of 7/25/2026 3:11:05 AM EST

Total Score

19 out of 30

Safety Score

58 out of 100

Currently on the following lists
None
Tim's Recommendation
Possible 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 (58 out of 100)

Stock Price Rating (Max of 10) 7
Historical Stock Price Rating (Max of 10) 6
Stock Price Trend (Max of 10) 9
Book Value (Max of 10) 6
Book Value to Price (Max of 10) 1
Analyst Buy Ratings (Max of 5) 2
Analyst Strong Buy Ratings (Max of 5) 3
Dividend Yield Percentage (Max of 10) 4
Operating Margin (Max of 10) 6
Trading Volume (Max of 10) 5
Price to Earnings (Max of 10) 9
Geopolitical Risk Adjustment (Always 0 for USA or a Negative Number for Non-USA) 0

Financial Details for SHBI

Company Overview
Ticker SHBI
Company Name Shore Bancshares Inc
Country USA
Description Shore Bancshares, Inc. is a bank holding company for Shore United Bank offering various commercial and consumer banking products and services to individuals, businesses and other organizations. The company is headquartered in Easton, Maryland.
Sector Name FINANCIAL SERVICES
Industry Name BANKS - REGIONAL
Most Recent Quarter 3/31/2026
Next Earnings Date N/A

Stock Price History
Last Day Price 23.61
Price 4 Years Ago 15.45
Last Day Price Updated 7/25/2026 3:11:05 AM EST
Last Day Volume 273,842
Average Daily Volume 234,736
52-Week High 23.91
52-Week Low 14.54
Last Price to 52 Week Low 62.38%

Valuation Measures
Trailing PE 12.18
Industry PE 17.03
Sector PE 18.90
5-Year Average PE 17.92
Free Cash Flow Ratio 14.85
Industry Free Cash Flow Ratio 12.13
Sector Free Cash Flow Ratio 75.87
Current Ratio Most Recent Quarter 7.19
Total Cash Per Share 1.59
Book Value Per Share Most Recent Quarter 18.02
Price to Book Ratio 1.27
Industry Price to Book Ratio 1.26
Sector Price to Book Ratio 2.03
Price to Sales Ratio Twelve Trailing Months 3.41
Industry Price to Sales Ratio Twelve Trailing Months 3.58
Sector Price to Sales Ratio Twelve Trailing Months 3.83
Analyst Buy Ratings 1
Analyst Strong Buy Ratings 1

Share Statistics
Total Shares Outstanding 33,455,900
Market Capitalization 789,893,799
Institutional Ownership 69.90%

Dividends
Ex-Dividend Date 6/3/2026
Previous Dividend Amount 0.1200
Current Dividend Amount 0.1400
Total Years Dividend Increasing 0
Trailing Annual Dividend Rate 0.50
Trailing Annual Dividend Yield 2.12%
Forward Annual Dividend Rate 0.56
Forward Annual Dividend Yield 2.37%
5-Year Dividend Payments Count 20
3-Year Average Dividend Yield 2.75%
5-Year Average Dividend Yield 3.17%
1-Year Dividend Growth Rate Percentage 16.67%
3-Year Dividend Growth Rate Percentage 8.01%
5-Year Dividend Growth Rate Percentage 3.93%
All-Time Dividend Growth Rate Percentage 1.58%
Dividend Payout Ratio 26.60%

Income Statement
Quarterly Earnings Growth YOY 24.40%
Annual Earnings Growth 35.58%
Reported EPS 12 Trailing Months 1.88
Reported EPS Past Year 0.51
Reported EPS Prior Year 1.78
Net Income Twelve Trailing Months 62,830,000
Net Income Past Year 59,506,000
Net Income Prior Year 43,889,000
Quarterly Revenue Growth YOY 14.80%
5-Year Revenue Growth 37.23%
Operating Margin Twelve Trailing Months 43.10%

Balance Sheet
Total Cash Most Recent Quarter 53,335,000
Total Cash Past Year 50,164,000
Total Cash Prior Year 459,851,000
Net Cash Position Most Recent Quarter -35,694,000
Net Cash Position Past Year -38,897,000
Long Term Debt Past Year 89,061,000
Long Term Debt Prior Year 123,717,000
Total Debt Most Recent Quarter 89,029,000
Equity to Debt Ratio Past Year 0.87
Equity to Debt Ratio Most Recent Quarter 0.87
Total Stockholder Equity Past Year 589,873,000
Total Stockholder Equity Prior Year 541,066,000
Total Stockholder Equity Most Recent Quarter 616,075,000

Free Cash Flow
Free Cash Flow Twelve Trailing Months 70,950,000
Free Cash Flow Per Share Twelve Trailing Months 2.12
Free Cash Flow Past Year 59,223,000
Free Cash Flow Prior Year 41,663,000

Options
Put/Call Ratio 0.00
Has Options False
Liquidity Rating None

Technical Analysis
Yahoo Finance Chart Yahoo Finance Chart
MACD 0.32
MACD Signal 0.40
20-Day Bollinger Lower Band 16.55
20-Day Bollinger Middle Band 20.51
20-Day Bollinger Upper Band 24.46
Beta 0.82
RSI 57.35
50-Day SMA 14.52
150-Day SMA 0.00
200-Day SMA 14.28

System
Modified 7/25/2026 3:11:07 AM EST