Shore Bancshares, Inc. (SHBI)
Valuation Overview•Is Shore Bancshares, Inc. Overvalued or Undervalued?
Trading at a relative discount to industry peers, suggesting a specific risk premium is applied.
Moderate quality score of 70/100, reflecting stable operating margins and manageable leverage.
Wall Street forecasts a balanced outlook with consensus price targets near the current price.
Verdict: Solid fundamental quality, though profitability presents a headwind.
Wall Street sentiment is generally neutral alongside robust expected earnings growth. This is paired with healthy capital returns, anchored by a strong, well-covered dividend yield.
SHBI demonstrates strong business quality with robust profitability and healthy margins. This is paired with a moderately leveraged but stable balance sheet.
The company maintains stable top-line performance paired with stable bottom-line earnings. The company maintains healthy operational efficiency with a 24.1% operating margin.
| Financial Metric | Trend (12Q) | Latest Qtr | 1Y Growth | 3Y CAGR | 5Y CAGR | 10Y CAGR |
|---|---|---|---|---|---|---|
| Revenue | $85.6M | +5.0% | — | — | +20.4% | |
| EBITDA | $26.2M | — | +18.0% | — | — | |
| Net Income | $17.1M | +35.6% | +24.0% | — | +23.7% | |
| EPS (Diluted) | $0.51 | +34.8% | +4.3% | +7.0% | +12.3% | |
| Free Cash Flow | $30.5M | +42.1% | +5.6% | +29.8% | — |
| Metric | TTM | 3Y Avg | 5Y Avg | 10Y Avg |
|---|---|---|---|---|
| Gross Margin | 65.0% | 59.2% | 72.0% | 80.3% |
| Operating Margin | 24.1% | 15.6% | 20.6% | 25.7% |
| Net Margin | 18.2% | 11.8% | 15.3% | 19.8% |
| FCF Margin | 20.5% | 12.4% | 12.1% | 19.2% |
| Quarter | EPS Est. | EPS Act. | Surprise | EPS | Rev |
|---|---|---|---|---|---|
| Q2'26Latest | $0.45 | $0.55 | +22.2% | ||
| Q1'26 | $0.49 | $0.53 | +8.2% | ||
| Q4'25 | $0.45 | $0.48 | +6.7% | ||
| Q3'25 | $0.41 | $0.51 | +24.4% | ||
| Q2'25 | $0.35 | $0.45 | +28.6% | ||
| Q1'25 | — | $0.40 | — | ||
| Q1'25 | $0.35 | $0.44 | +25.7% | ||
| Q4'24 | $0.36 | $0.34 | -5.6% |
Total return is +52.1% (1Y), outperforming the benchmark by +31.3%
| Period | Total Return | vs S&P 500 (Alpha) | Dividend Contribution |
|---|---|---|---|
| YTD | +31.8% | +24.4% | — |
| 1Y | +52.1% | +31.3% | +3.3% |
| 3YCAGR | +26.4% | +6.3% | +12.2% |
| 5YCAGR | +8.2% | -3.0% | +14.3% |
| 10YCAGR | +9.4% | -4.8% | — |
The S&P 500 is at 30.6x trailing P/E — Expensive relative to historical averages.
Quick answers to common questions about Shore Bancshares, Inc. (SHBI) valuation, health, and returns.
Based on peer relative multiples, Shore Bancshares, Inc. appears Slightly cheap versus peers compared to industry peers.
Shore Bancshares, Inc. has multiple valuation anchors: Peer Relative Fair Value: $26.45 | Wall Street Analyst Target: $24.00 (implying +3.0% upside). A convergence of these signals offers higher conviction.
Shore Bancshares, Inc. displays good financial health with a composite quality score of 70/100, supported by a Piotroski F-Score of 8/9, Return on Invested Capital (ROIC) of 8.6%.
Shore Bancshares, Inc. pays a 2.1% dividend yield, covered by a 27% payout ratio with 0 years of growth, supplemented by a 0.0% buyback yield.
Shore Bancshares, Inc.'s current growth trajectory is Stable. The company achieved +5.0% 1Y revenue growth and +34.8% 1Y EPS growth, compared to its 3Y revenue CAGR of N/A.
Wall Street consensus is Buy based on 6 analysts, beating EPS expectations in 83% of recent quarters with a 6-quarter streak. The consensus price target represents a +3.0% change from current levels.
Investment risks for Shore Bancshares, Inc. include: -14.2% 1-year max drawdown. Volatility risk is characterized by a beta of 0.78x.
No. These computations are purely quantitative model outputs for informational purposes. They do not account for qualitative management shifts or macro events. Always consult a licensed RIA before buying or selling shares.
Disclaimer: This page is for informational purposes only and does not constitute financial advice. All valuation models, scores, and target estimates are automated computations under stated assumptions and should not be relied upon as the sole basis for any investment decision.