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SHBI vs V

SHBI
Shore Bancshares, Inc.
BULLISH
Price
$19.98
Market Cap
$668.3M
Sector
Financial Services
AI Confidence
85%
V
Visa Inc.
BULLISH
Price
$302.24
Market Cap
$582.73B
Sector
Financial Services
AI Confidence
75%

Valuation

P/E Ratio
SHBI
11.22
V
28.35
Forward P/E
SHBI
9.22
V
20.79
P/B Ratio
SHBI
1.13
V
15.09
P/S Ratio
SHBI
3.08
V
14.08
EV/EBITDA
SHBI
--
V
20.06

Profitability

Gross Margin
SHBI
0.0%
V
97.78%
Operating Margin
SHBI
41.57%
V
68.3%
Profit Margin
SHBI
27.46%
V
50.23%
ROE
SHBI
10.52%
V
53.95%
ROA
SHBI
0.95%
V
18.36%

Growth

Revenue Growth
SHBI
8.1%
V
14.6%
Earnings Growth
SHBI
17.9%
V
17.4%

Financial Health

Debt/Equity
SHBI
--
V
0.55
Current Ratio
SHBI
--
V
1.11
Quick Ratio
SHBI
--
V
0.72

Dividends

Dividend Yield
SHBI
2.4%
V
0.89%
Payout Ratio
SHBI
26.97%
V
22.91%

AI Verdict

SHBI BULLISH

SHBI presents a compelling value opportunity, anchored by a stable Piotroski F-Score of 4/9 and a current price of $19.98 that sits significantly below both its Graham Number ($26.59) and estimated Intrinsic Value ($52.51). The company exhibits strong fundamental growth with YoY earnings increasing by 17.9% and a low Forward P/E of 9.22. While technical trends are currently bearish and insider activity is slightly negative, the underlying profitability and valuation gap suggest significant upside potential. The low payout ratio of 26.97% ensures dividend sustainability despite the modest yield.

Strengths
Significant undervaluation relative to Graham Number ($26.59) and Intrinsic Value ($52.51)
Strong earnings growth (17.9% YoY) and positive Q/Q momentum
Attractive valuation multiples (P/E 11.22, Forward P/E 9.22, P/B 1.13)
Risks
Bearish technical trend (10/100) suggesting short-term price pressure
Lack of insider buying activity (Net Bearish)
Moderate financial health as indicated by a Piotroski F-Score of 4/9
V BULLISH

V shows bullish fundamentals based on deterministic rules. Financial strength is strong (F-Score 6/9). Key strengths include strong valuation and growth metrics.

Strengths
Strong profitability (50.2% margin)
Strong ROE of 54.0%
Risks
Premium vs Graham Number ($69.32)

Compare Another Pair

SHBI vs V: Head-to-Head Comparison

This page compares Shore Bancshares, Inc. (SHBI) and Visa Inc. (V) across key fundamental metrics including valuation ratios, profitability margins, growth rates, financial health indicators, and dividend metrics. Each metric highlights the better-performing stock so you can quickly identify relative strengths and weaknesses.

Our AI engine independently analyzes each company's financials, competitive position, and market conditions to produce a verdict (Bullish, Neutral, or Bearish) along with key strengths and risks. Use this comparison alongside your own research to make informed investment decisions.

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