SHBI
BULLISH
$19.98
Live
Shore Bancshares, Inc. · NASDAQ
Target $21.12
(+5.7%)
$12.2
52W Range
$20.68
At a glance
Key valuation, profitability, growth, and risk metrics.
Updated Apr 19, 2026
Market cap
$668.34M
P/E
11.22
ROE
10.5%
Profit margin
27.5%
Debt/Equity
N/A
Dividend yield
2.4%
AI Analysis
AI-powered fundamental assessment
Confidence
85%
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.
Key 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)
Highly sustainable dividend payout ratio at 26.97%
Positive analyst consensus with a 'Buy' recommendation and target price of $21.12
Key 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
Low Return on Assets (ROA) of 0.95%, typical for regional banks but limits efficiency
Exposure to regional banking sector volatility and interest rate risks
AI Fair Value Estimate
Based on comprehensive analysis
$31.5
+57.7% above current price
Performance Snowflake
Multi-dimensional analysis across 5 key categories
Overall
70
Strong
92
75
68
50
65
AI Verdict
Undervalued Growth
Key drivers: Deep discount to fair value, Strong earnings acceleration, Low valuation multiples
Confidence
80%
Value
92/100
Ref P/E 11.22, PEG 1.17, Graham Number $26.59
Positives
- Price is 25% below Graham Number
- Low P/E relative to sector average
- P/B near 1.0
Watchpoints
No urgent risks highlighted.
Future
75/100
Ref Growth rates
Positives
- 17.9% YoY Earnings Growth
- 11.81% Q/Q Revenue Growth
Watchpoints
- Regional bank growth is often capped by local economic conditions
Past
68/100
Ref Historical trends
Positives
- Strong 1Y price performance (+64.6%)
- Consistent recovery in EPS surprises since 2024
Watchpoints
- Significant earnings misses in 2023
Health
50/100
Ref Piotroski F-Score
Positives
- Piotroski F-Score of 4/9 indicates stability
Watchpoints
- F-Score is not in the 'Strong' range (7-9)
- Altman Z-Score not applicable/provided for this banking entity
Dividend
65/100
Ref Yield, Payout
Positives
- Very low payout ratio (26.97%)
- Consistent dividend rate
Watchpoints
- Low overall yield (2.40%)
Stock Price & Analyst Targets
Real-time price movements and analyst price targets
Current Price
$19.98
Analyst Target
$21.12
Upside/Downside
+5.7%
Multi-Horizon Performance vs Peers
Price momentum across 5Y → 1W horizons for SHBI and closest competitors.
Updated 2026-04-17
| Company | 5Y | 3Y | 1Y | 6M | 1M | 1W |
|---|---|---|---|---|---|---|
|
SHBI
Shore Bancshares, Inc.
Primary
|
+40.2% | +63.5% | +64.6% | +31.2% | +14.3% | +2.3% |
|
BOE
BlackRock Enhanced Global Dividend Trust
Peer
|
+56.8% | +49.1% | +15.2% | +8.2% | +2.2% | +0.4% |
|
PGC
Peapack-Gladstone Financial Corporation
Peer
|
+26.1% | +40.1% | +50.1% | +47.3% | +14.5% | -0.8% |
|
DGICB
Donegal Group Inc.
Peer
|
+51.0% | +32.2% | +12.1% | +7.2% | +14.7% | +1.8% |
|
BHK
BlackRock Core Bond Trust
Peer
|
-14.3% | +11.3% | +0.6% | +6.0% | +1.2% | -0.2% |
SHB
Shore Bancshares, Inc.
Primary
5Y
+40.2%
3Y
+63.5%
1Y
+64.6%
6M
+31.2%
1M
+14.3%
1W
+2.3%
BOE
BlackRock Enhanced Global Dividend Trust
Peer
5Y
+56.8%
3Y
+49.1%
1Y
+15.2%
6M
+8.2%
1M
+2.2%
1W
+0.4%
PGC
Peapack-Gladstone Financial Corporation
Peer
5Y
+26.1%
3Y
+40.1%
1Y
+50.1%
6M
+47.3%
1M
+14.5%
1W
-0.8%
DGI
Donegal Group Inc.
Peer
5Y
+51.0%
3Y
+32.2%
1Y
+12.1%
6M
+7.2%
1M
+14.7%
1W
+1.8%
BHK
BlackRock Core Bond Trust
Peer
5Y
-14.3%
3Y
+11.3%
1Y
+0.6%
6M
+6.0%
1M
+1.2%
1W
-0.2%
Positive values indicate cumulative gains over the specified period. Comparables pulled from the same sector to highlight whether momentum is stock-specific or industry-wide.
Historical Performance Trends
Long-term financial metrics and growth patterns
Revenue & Net Income
Profit & Operating Margins
Return on Equity (ROE)
Quarterly Revenue Growth
Historical data shows last 12 quarters (3 years)
Valuation Metrics
Key valuation ratios and pricing indicators
P/E Ratio
11.22
Forward P/E
9.22
PEG Ratio
1.17
P/B Ratio
1.13
P/S Ratio
3.08
EV/Revenue
1.9
EV/EBITDA
N/A
Market Cap
$668.34M
Profitability
Profit margins and return metrics
Profit Margin
27.46%
Operating Margin
41.57%
Gross Margin
N/A
ROE
10.52%
ROA
0.95%
Growth
Revenue and earnings growth rates
Revenue Growth
+8.1%
Earnings Growth
+17.9%
Q/Q Revenue Growth
+11.81%
Q/Q Earnings Growth
+19.6%
Financial Health
Balance sheet strength and liquidity metrics
Debt/Equity
N/A
Current Ratio
N/A
Quick Ratio
N/A
Cash/Share
$10.64
Financial Statement Flow
Interactive flow visualization showing how money moves through the company Q4 2025
Revenue
$0.1B
Net Margin
26.9%
Total Assets
$6.3B
Liabilities
$5.7B
Equity
$0.6B
Debt/Equity
9.61x
Operating CF
$0.0B
CapEx
$-0.0B
Free Cash Flow
$0.0B
FCF Yield
92%
Quarterly Earnings History
EPS performance vs analyst estimates
2026-04-30
$N/A
2026-01-28
$0.48
+2.7% surprise
2025-10-23
$0.43
-5.2% surprise
2025-07-24
$0.46
+12.2% surprise
Financial Services Sector Comparison
Comparing SHBI against 525 companies in the Financial Services sector
(96 bullish, 216 neutral, 213 bearish)
P/E Ratio
11.22
This Stock
vs
43.93
Sector Avg
-74.4%
(Discount)
Return on Equity (ROE)
10.52%
This Stock
vs
0.14%
Sector Avg
+7271.7%
(Excellent)
Profit Margin
27.46%
This Stock
vs
46.8%
Sector Avg
-41.3%
(Weaker)
Revenue Growth
8.1%
This Stock
vs
40.4%
Sector Avg
-80.0%
(Slower)
Similar Companies
Peer comparison within the same industry
| Company | AI Rating | Market Cap | P/E | ROE | Profit Margin | Price | |
|---|---|---|---|---|---|---|---|
|
SHBI
Shore Bancshares, Inc.
|
BULLISH | $668.34M | 11.22 | 10.5% | 27.5% | $19.98 | |
|
BOE
BlackRock Enhanced Global...
|
NEUTRAL | $678.61M | 10.08 | 9.4% | 432.8% | $11.9 | Compare |
|
PGC
Peapack-Gladstone...
|
BULLISH | $681.39M | 18.32 | 5.9% | 14.4% | $38.48 | Compare |
|
DGICB
Donegal Group Inc.
|
NEUTRAL | $687.47M | 8.11 | 13.4% | 8.1% | $17.69 | Compare |
|
BHK
BlackRock Core Bond Trust
|
BEARISH | $690.46M | 16.48 | 6.0% | 74.3% | $9.56 | Compare |
SHBI
Shore Bancshares, Inc.
BULLISH
Mkt Cap
$668M
P/E
11.2
ROE
10.5%
Price
$19.98
Recent Insider Trading
Insider buy and sell transactions from the last 6 months
| Date | Insider | Position | Transaction | Shares | Value |
|---|---|---|---|---|---|
| 2026-03-06 | BURKE JAMES M. | Chief Executive Officer | Stock Award | 10,939 | - |
| 2026-03-06 | LOMBARDI CHRISTY | Officer | Stock Award | 2,685 | - |
| 2026-03-06 | STEVENS DONNA J | Chief Operating Officer | Stock Award | 1,362 | - |
| 2026-03-06 | RUCH CHARLES E JR. | Officer | Stock Award | 1,104 | - |
| 2026-03-06 | EBRON BRIAN SCOT | Officer | Stock Award | 2,627 | - |
| 2026-03-06 | TAY TALAL | Officer | Stock Award | 2,190 | - |
| 2026-03-06 | PIERCE LACEY AMANDA | Officer | Stock Award | 1,949 | - |
| 2026-03-06 | ANDERSON VIRGINIA MARIE | Officer | Stock Award | 142 | - |
| 2026-03-02 | SLATER AUSTIN JOSEPH JR | Director | Sale | 1,802 | $33,842 |
| 2026-02-27 | BURKE JAMES M. | Chief Executive Officer | Stock Award | 5,806 | - |
| 2026-02-27 | LOMBARDI CHRISTY | Officer | Stock Award | 1,432 | - |
| 2026-02-27 | STEVENS DONNA J | Chief Operating Officer | Stock Award | 1,470 | - |
| 2026-02-27 | RUCH CHARLES E JR. | Officer | Stock Award | 1,354 | - |
| 2026-02-27 | EBRON BRIAN SCOT | Officer | Stock Award | 1,664 | - |
| 2026-02-27 | TAY TALAL | Officer | Stock Award | 1,393 | - |
BURKE JAMES M.
Chief Executive Officer
2026-03-06
10,939 shares
LOMBARDI CHRISTY
Officer
2026-03-06
2,685 shares
STEVENS DONNA J
Chief Operating Officer
2026-03-06
1,362 shares
RUCH CHARLES E JR.
Officer
2026-03-06
1,104 shares
EBRON BRIAN SCOT
Officer
2026-03-06
2,627 shares
TAY TALAL
Officer
2026-03-06
2,190 shares
PIERCE LACEY AMANDA
Officer
2026-03-06
1,949 shares
ANDERSON VIRGINIA MARIE
Officer
2026-03-06
142 shares
SLATER AUSTIN JOSEPH JR
Director
2026-03-02
1,802 shares
·
$33,842
BURKE JAMES M.
Chief Executive Officer
2026-02-27
5,806 shares
LOMBARDI CHRISTY
Officer
2026-02-27
1,432 shares
STEVENS DONNA J
Chief Operating Officer
2026-02-27
1,470 shares
RUCH CHARLES E JR.
Officer
2026-02-27
1,354 shares
EBRON BRIAN SCOT
Officer
2026-02-27
1,664 shares
TAY TALAL
Officer
2026-02-27
1,393 shares
Insider transactions can signal confidence or concerns about company prospects
SEC Filings
Recent regulatory filings from the SEC EDGAR database
DEF 14A
10-K
SHBI filed its annual 10-K report on March 2, 2026, which includes comprehensive disclosures regarding its business operations and financial condition. The filing provides detailed analysis of results of operations in the MD&A section and outlines key risk factors facing the company.
8-K
8-K
8-K
8-K
10-Q
8-K
Data sourced from SEC EDGAR. AI summaries generated automatically.
Wall Street Analysts
Professional analyst ratings and price targets
Consensus
BUY
4 analysts
Keefe, Bruyette & Woods
2026-04-09
Outperform
Market Perform
Keefe, Bruyette & Woods
2026-02-02
Outperform
Outperform
Hovde Group
2025-11-19
Outperform
Piper Sandler
2025-11-14
Overweight
Overweight
Past News Coverage
Recent headlines mentioning SHBI from our newsroom.
Newest → oldest
No matching news yet.