Shore Bancshares, Inc.
General ticker "SHBI" information:
- Sector: Financials
- Industry: Banks - Regional
- Capitalization: $582.1M (TTM average)
Shore Bancshares, Inc. follows the US Stock Market performance with the rate: 57.0%.
Estimated limits based on current volatility of 1.0%: low 22.74$, high 23.20$
Factors to consider:
- Company pays dividends (quarterly): last record date 2026-06-03, amount 0.14$ (Y2.42%)
- Total employees count: 608 (+1.8%) as of 2025
- Company does not operate outside US (retrieved using AI)
- Top business risk factors: Liquidity and credit risks, Commercial real estate exposure, Interest rate risk, Geographic concentration, Funding access
- Current price 14.1% above estimated high
- Earnings for 6 months up through Q2 exceed our estimates
Stock Forecast*
* forecast is subjective and experimental, should not be used for any investment decisions
Long term estimates were made for the period from 2025-12-31 to 2027-12-31
- 2025-12-31 to 2026-12-31 estimated range: [15.29$, 20.26$]
- 2026-12-31 to 2027-12-31 estimated range: [15.19$, 20.46$]
Financial Metrics affecting the SHBI estimates:
- Positive: with PPE of 9.1 at the end of fiscal year the price was neutral
- Positive: Operating profit margin, % of 34.95 > 18.77
- Positive: 6.77 < Operating cash flow per share per price, % of 10.43
- Positive: Industry operating cash flow per share per price (median), % of 10.78 > 10.39
- Negative: Shareholder equity ratio, % of 9.42 <= 18.97
- Negative: Interest expense per share per price, % of 19.67 > 3.34
- Negative: Return on assets ratio (scaled to [-100,100]) of 0.94 <= 1.88
Short-term SHBI quotes
Long-term SHBI plot with estimates
Financial data
| YTD | 2023-12-31 | 2024-12-31 | 2025-12-31 |
|---|---|---|---|
| Operating Revenue | $168.47MM | $201.70MM | $225.06MM |
| Operating Expenses | $154.28MM | $142.99MM | $146.41MM |
| Operating Income | $14.18MM | $58.70MM | $78.66MM |
| Interest Expense | $78.77MM | $124.79MM | $117.65MM |
| Income(Loss) | $14.18MM | $58.70MM | $78.66MM |
| Taxes | $2.96MM | $14.81MM | $19.15MM |
| Net Income(Loss)* | $11.23MM | $43.89MM | $59.51MM |
| Stockholders Equity | $511.13MM | $541.07MM | $589.87MM |
| Assets | $6,010.92MM | $6,230.76MM | $6,258.82MM |
| Operating Cash Flow | $22.71MM | $46.89MM | $62.39MM |
| Capital expenditure | $5.95MM | $5.22MM | $3.17MM |
| Investing Cash Flow | $172.31MM | $-134.54MM | $-118.32MM |
| Financing Cash Flow | $121.89MM | $175.09MM | $-48.35MM |
| Earnings Per Share** | $0.42 | $1.32 | $1.78 |
* Profit(Loss) attributable to entity.
** EPS are Split Adjusted, recent splits may be reflected with a delay.