Shore Bancshares/$SHBI
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About Shore Bancshares
Shore Bancshares Inc is a financial holding company. It offers personalized banking, insurance, and investment services to families and businesses in the Mid-Atlantic region. It operates in one business segment- banking. The company's primary source of revenue is derived from interest earned on commercial, residential mortgage and other loans, and fees charged in connection with lending and other banking services located in Maryland, Delaware and Virginia.
Ticker
$SHBI
Sector
Primary listing
Employees
591
Headquarters
Website
Shore Bancshares Metrics
BasicAdvanced
$549M
10.19
$1.61
1.02
$0.48
2.92%
Price and volume
Market cap
$549M
Beta
1.02
52-week high
$17.67
52-week low
$11.47
Average daily volume
140K
Dividend rate
$0.48
Financial strength
Dividend payout ratio (TTM)
29.88%
Profitability
Net profit margin (TTM)
25.81%
Operating margin (TTM)
41.05%
Effective tax rate (TTM)
25.35%
Revenue per employee (TTM)
$350,000
Management effectiveness
Return on assets (TTM)
0.90%
Return on equity (TTM)
9.88%
Valuation
Price to earnings (TTM)
10.187
Price to revenue (TTM)
2.629
Price to book
0.97
Price to tangible book (TTM)
1.17
Price to free cash flow (TTM)
11.14
Free cash flow yield (TTM)
8.98%
Free cash flow per share (TTM)
1.474
Dividend yield (TTM)
2.92%
Forward dividend yield
2.92%
Growth
Revenue change (TTM)
24.24%
Earnings per share change (TTM)
169.44%
3-year revenue growth (CAGR)
26.10%
3-year earnings per share growth (CAGR)
10.60%
10-year earnings per share growth (CAGR)
14.04%
Bulls say / Bears say
SHBI reported net income of $15.5 million in Q2 2025, up from $11.2 million in Q2 2024, reflecting 38% YoY growth driven by higher net interest and noninterest income. (Associated Press)
Net interest margin expanded to 3.35% in Q2 2025 from 3.24% in Q1 2025, underpinned by loan and securities repricing and lower deposit costs. (PRNewswire)
The company’s non-GAAP net operating expense ratio declined to 1.52% in Q2 2025 from 1.62% in Q1 2025, indicating improved control of core operating expenses. (PRNewswire)
Average loan balances grew just 2.7% in the six months ended June 30, 2025, signalling modest loan growth that may constrain future net interest income expansion. (PRNewswire)
Funding costs on interest-bearing liabilities rose to 3.12% in Q2 2025 from 3.05% in Q1 2025, creating pressure on net interest margins. (Nasdaq)
Noninterest income gains have been heavily reliant on mortgage banking activity, exposing SHBI’s revenue to volatility in housing market conditions. (PRNewswire)
Data summarised monthly by Lightyear AI. Last updated on 4 Oct 2025.
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Capital at risk
Upcoming events
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FAQs
What’s the current market cap for Shore Bancshares stock?
Shore Bancshares (SHBI) has a market cap of $549M as of October 07, 2025.
What is the P/E ratio for Shore Bancshares stock?
The price to earnings (P/E) ratio for Shore Bancshares (SHBI) stock is 10.19 as of October 07, 2025.
Does Shore Bancshares stock pay dividends?
Yes, the Shore Bancshares (SHBI) stock pays dividends to shareholders. As of October 07, 2025, the dividend rate is $0.48 and the yield is 2.92%. Shore Bancshares has a payout ratio of 29.88% on a trailing twelve-month basis.
When is the next Shore Bancshares dividend payment date?
The next Shore Bancshares (SHBI) dividend payment date is unconfirmed.
What is the beta indicator for Shore Bancshares?
Shore Bancshares (SHBI) has a beta rating of 1.02. This means that it is more volatile than the market, on average. A beta of 1 would indicate the stock moves in-line with the market, while a beta of 2 would indicate the stock moves twice as much as the market.