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Shore bancshares, inc.SHBI.US Overview

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SHBI Recent Performance

0.96%

Shore bancshares, inc.

1.79%

Avg of Sector

-0.31%

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SHBI Key Information

SHBI Financial Forecast

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QuarterlyEPS ForecastQoQMaxMin
2026Q1
2026Q2
2026Q3
2026Q4
2027Q1

SHBI Profile

Shore Bancshares, Inc. operates as a bank holding company for the Shore United Bank that provides various commercial and consumer banking products and services to individuals, businesses, and other organizations. It offers checking, savings, overnight investment sweep, and money market accounts; and regular and IRA certificates of deposit, as well as CDARS programs and cash management services. The company 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, it offers non-deposit products, such as mutual funds and annuities, and discount brokerage services; and trust, asset management, and financial planning services. Further, the company provides merchant credit card clearing, as well as telephone, mobile, and Internet banking services; safe deposit boxes; debit and credit cards; direct deposit of payroll; and automatic teller machine (ATM) services. It operates 29 full service branches, 30 ATMs, and 5 loan production offices in Baltimore City, Baltimore County, Howard County, Kent County, Queen Anne's County, Caroline County, Talbot County, Dorchester County, Anne Arundel County, and Worcester County in Maryland; Kent County, Delaware; and Accomack County, Virginia. The company was founded in 1876 and is headquartered in Easton, Maryland.

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SHBI FAQ

This disclaimer is provided by TradingValley Inc. and includes any messages, news, research, analysis, prices or other information provided by the Company's website, the application "Growin App" and other services provided through the Company's website. It is only general market information for educational and investment decision-making reference, and does not constitute any investment advice. View Growin Disclaimer

SHBI Earnings Table

Unit : USD

QTRNon-GAAP EPSEPS YoYEPS Surprise %SalesSales YoYSales Surprise %NPM
Current
2025Q4
2025Q3
2025Q2
2025Q1
METRIC
VALUE
vs. INDUSTRY
EPS (TTM)
1.78
PE Ratio (TTM)
10.44
Forward PE
10.27
PS Ratio (TTM)
2.87
PB Ratio
1.10
Price-to-FCF
6.67
METRIC
VALUE
vs. INDUSTRY
Gross Margin
86.94%
Net Margin
23.88%
Revenue Growth (YoY)
26.54%
Profit Growth (YoY)
10.02%
3-Year Revenue Growth
40.02%
3-Year Profit Growth
20.26%
METRIC
VALUE
vs. INDUSTRY
EPS (TTM)
1.78
PE Ratio (TTM)
10.44
Forward PE
10.27
PS Ratio (TTM)
2.87
PB Ratio
1.10
Price-to-FCF
6.67
Gross Margin
86.94%
Net Margin
23.88%
Revenue Growth (YoY)
26.54%
Profit Growth (YoY)
10.02%
3-Year Revenue Growth
40.02%
3-Year Profit Growth
20.26%

  • When is SHBI's latest earnings report released?

    The most recent financial report for Shore bancshares, inc. (SHBI) covers the period of 2025Q4 and was published on 2025/12/31. This report is prepared according to IFRS/US GAAP standards and includes key financial indicators—Revenue, Profitability, Cash Flow, and Capital Structure. This information is essential for investors evaluating SHBI's short-term business performance and financial health. For the latest updates on SHBI's earnings releases, visit this page regularly.

  • Where does SHBI fall in the P/E River chart?

    According to historical valuation range analysis, Shore bancshares, inc. (SHBI)'s current price-to-earnings (P/E) ratio is 9.3, placing it in the Undervalued zone on the P/E River chart. This level indicates that the market's expectations for future earnings are already reflected in the share price, with the valuation currently leaning conservative. Investors are advised to further examine the company's fundamentals and its position in the industry cycle to validate whether the valuation is justified.

  • What is the operating profit of SHBI?

    According to the latest financial report, Shore bancshares, inc. (SHBI) reported an Operating Profit of 20.78M with an Operating Margin of 23.4% this period, representing a growth of 14.56% compared to the same period last year. Operating Profit reflects the company's core business efficiency and cost control, making it a key indicator for evaluating operational strength and profitability.

  • How is SHBI's revenue growth?

    In the latest financial report, Shore bancshares, inc. (SHBI) announced revenue of 88.82M, with a Year-Over-Year growth rate of 70.54%. Revenue growth can be driven by product mix changes, market share expansion, price adjustments, or international market penetration. Investors should also monitor gross margin and regional revenue distribution for a comprehensive view of growth quality and sustainability.

  • How much cash does SHBI have?

    At the end of the period, Shore bancshares, inc. (SHBI) held Total Cash and Cash Equivalents of 50.16M, accounting for 0.01 of total assets. Both current and quick ratios indicate robust short-term debt repayment ability. High cash reserves typically mean the company has strong liquidity, supporting operational needs, expansion investments, or shareholder returns.

  • Does SHBI go with three margins increasing?

    In the latest report, Shore bancshares, inc. (SHBI) achieved the “three margins increasing” benchmark, with a gross margin of 63.36%%, operating margin of 23.4%%, and net margin of 17.89%%. This demonstrates improvement in profitability, which is a key signal for fundamental analysis. Investors should consider margin trends alongside other financial indicators to assess SHBI's profit trajectory and future growth potential.

  • Is SHBI's EPS continuing to grow?

    According to the past four quarterly reports, Shore bancshares, inc. (SHBI)'s earnings per share (EPS) shows a steady growth trend, with the latest EPS at 0.48. If EPS continues to rise due to revenue growth and cost optimization, it can support P/E valuation recovery and attract long-term investors.

  • What is the FCF of SHBI?

    Shore bancshares, inc. (SHBI)'s Free Cash Flow (FCF) for the period is 41.88M, calculated as Operating Cash Flow minus Capital Expenditures, representing a rise of 396.22% compared with the previous period. Positive FCF growth provides stable funding for dividends, debt repayment, or strategic acquisitions, and is an important measure of true profitability and shareholder return potential.

  • What are the PEG ratio and PE ratio of SHBI?

    The latest valuation data shows Shore bancshares, inc. (SHBI) has a Price-To-Earnings (PE) ratio of 9.3 and a Price/Earnings-To-Growth (PEG) ratio of 0.8. A PEG below 1 usually suggests the market is underestimating growth potential, while a PEG above 1 indicates high growth expectations are already priced in. Investors should conduct a comprehensive valuation by considering historical growth, market forecasts, and industry cycles.