Is Shore Bancshares, Inc. (SHBI) Overvalued?
We dive into why Shore Bancshares, Inc. (SHBI) could be considered overvalued on 2026-08-07, based on AAII’s Value Score and Grade.Jenna Brashear
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COMPANY SUMMARY
Shore Bancshares, Inc. operates as a bank holding company for Shore United Bank, N.A. that provides various consumer and commercial banking products and services to individuals, businesses, and other organizations in the United States. The company offers checking, savings, overnight investment sweep, and money market accounts; and regular and IRA certificates of deposit, as well as certificate of deposit account registry service programs and cash management services. It also provides commercial loans, such as secured and unsecured loans, working capital loans, lines of credit, term loans, accounts receivable financing, real estate acquisition and development loans, construction loans, and letters of credit; residential real estate construction loans; residential mortgage loans; and loans to consumers, including home equity, automobile, installment, home improvement, and personal lines of credit, as well as other consumer financing products. In addition, the company offers trust, wealth management, and financial planning services; treasury management services, such as merchant card processing, remote deposit capture, and ACH origination, as well as telephone, mobile, and Internet banking services; safe deposit boxes; debit and credit cards; and automatic teller machine services. Shore Bancshares, Inc. was founded in 1876 and is headquartered in Easton, Maryland.
Commentary & Analysis
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What You Need to Know About Shore Bancshares, Inc.'s Q2 Earnings
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Why Shore Bancshares, Inc.’s (SHBI) Stock Is Down 5.01%
As of Monday, February 23, Shore Bancshares, Inc.’s SHBI share price has dipped by 5.01%, which has investors questioning if this is right time to buy.Cynthia McLaughlin
Financial Summary
| Share Statistics | SHBI | Industry Median |
Percentile (All Stocks) |
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| Market Cap (Mil) | $743.2 | $673.5 | 42% |
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| Shares Out (Mil) | 33.5 | 15.4 | 39% |
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| Institutional Ownership | 88.6% | 84.1% | 56% |
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| Float (Mil) | 30.4 | 21.6 | 36% |
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| Beta | 0.81 | 0.45 | 48% |
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| Avg Daily Volume (000s) | 226 | 44 | 46% |
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| Price Change (52-week) |
38.6% | 90.3% | 80% |
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| Growth | SHBI | Industry Median |
Percentile (All Stocks) |
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| Sales (5yr) | 29.5% | 7.7% | 89% |
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| Net Income (5yr) | 30.5% | 11.1% | 85% |
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| EPS (5yr) | 7.0% | 10.0% | 42 |
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| Dividends (5yr) | 0.0% | 3.6% | 69% |
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| Cash Flow (5yr) | (19.3%) | (17.1%) | 35% |
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| Estimates | Qtrly | Current Fiscal Year |
Next Fiscal Year |
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| # of Estimates | 5 | 5 | 5 | |
| Current EPS | $0.536 | $2.164 | $2.266 | |
| Month Ago EPS | $0.538 | $2.165 | $2.270 | |
| # Rev Up | 1 | 0 | 1 | |
| # Rev Down | 0 | 1 | 0 | |
| Three Months Ago EPS | $0.530 | $2.090 | $2.233 | |
| Year/Year Chg | (4.3%) | 21.6% | 29.8% | |
| Financials | SHBI | Industry Median |
Percentile (All Stocks) |
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| Sales (TTM) (Mil) | $230 | $187 | 33% |
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| Net Income (TTM) (Mil) | $66 | $53 | 57% |
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| EPS (TTM) | $1.980 | $2.600 | 71% |
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| Operating Cash Flow (TTM) (Mil) | $90 | $34 | 51% |
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| Net Cash Flow (TTM) (Mil) | $73 | $2 | 74% |
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| Long-Term Debt (Q1) (Mil) | $98 | $94 | 44% |
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| Enterprise Value (Q1) (Mil) | na | $0 | na |
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| Valuation | SHBI | Industry Median |
Percentile (All Stocks) |
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| P/B | 1.21 | 1.23 | 32% |
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| P/E | 11.3 | 12.0 | 24% |
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| Dividend Yield | 2.5% | 2.3% | 80% |
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| PEG (5yr hist) | 1.6 | 1.1 | 63% |
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| Ratios | SHBI | Industry Median |
Percentile (All Stocks) |
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| Gross Margin | na | 63.7% | na |
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| Net Margin | 28.8% | 29.2% | 87% |
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| ROA | 1.1% | 1.1% | 47% |
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| ROE | 11.2% | 11.3% | 60% |
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| Liabilities to Assets | 90.0% | 89.7% | 86% |
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| F-Score | 5 | 4 | 50% |
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Shore Bancshares, Inc. did not pass any screens on 10/9/2026.
