Shore Bancshares/$SHBI
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Capital at risk
About Shore Bancshares
Shore Bancshares Inc is a financial holding company based in the United States. Through its subsidiaries, it provides consumer and commercial banking products and services, as well as secondary mortgage lending, trust, wealth management, and financial planning services. The group caters to both business and individual clients, offering checking, savings, certificates of deposit, and overnight investment sweep accounts; commercial lending services, including secured and unsecured loans, working capital loans, lines of credit, etc; and safe deposit boxes, debit cards, telephone banking, and other financial products and services.
- Ticker
- $SHBI
- Sector
- Finance
- Primary listing
- NASDAQ
- Employees
- 602
- Headquarters
- Easton, United States
- Website
- www.shorebancshares.com
Shore Bancshares Metrics
BasicAdvanced
$775M
11.79
$1.97
0.81
$0.52
2.41%
Price and volume
Market cap
$775M
Beta
0.81
52-week high
$24.89
52-week low
$14.93
Average daily volume
180K
Dividend rate
$0.52
Financial strength
Dividend payout ratio (TTM)
25.39%
Profitability
Net profit margin (TTM)
28.75%
Operating margin (TTM)
43.32%
Effective tax rate (TTM)
24.45%
Revenue per employee (TTM)
$380,000
Management effectiveness
Return on assets (TTM)
1.09%
Return on equity (TTM)
11.21%
Valuation
Price to earnings (TTM)
11.792
Price to revenue (TTM)
3.373
Price to book
1.26
Price to tangible book (TTM)
1.47
Price to free cash flow (TTM)
8.909
Free cash flow yield (TTM)
11.22%
Free cash flow per share (TTM)
2.608
Dividend yield (TTM)
2.24%
Forward dividend yield
2.41%
Growth
Revenue change (TTM)
10.57%
Earnings per share change (TTM)
22.23%
3-year revenue growth (CAGR)
23.83%
3-year earnings per share growth (CAGR)
11.12%
10-year earnings per share growth (CAGR)
11.06%
3-year dividend per share growth (CAGR)
1.37%
10-year dividend per share growth (CAGR)
17.46%
Bulls say / Bears say
Second-quarter net income rose to $18.9 million from $15.5 million a year earlier. Net interest margin widened to 3.70% from 3.34%, helped by lower deposit funding costs, showing improving earnings momentum. (PR Newswire)
Shore raised its quarterly dividend by 16.7% to $0.14 and authorised a $30 million share buyback. Book value per share also increased to $18.44 from $16.94 a year earlier, supporting the case for growing shareholder returns. (PR Newswire)
Underlying credit costs remained contained in the second quarter: net charge-offs fell to $123,000 and the allowance equalled 1.20% of loans. Management says the main troubled loans are well secured, while core deposits increased during the quarter. (PR Newswire, Longbridge)
Asset quality has deteriorated sharply from last year. Non-performing assets rose to 1.09% of total assets from 0.33%, while classified assets increased to 1.41% from 0.37%, leaving scope for higher future provisions. (PR Newswire)
The loan book remains heavily exposed to commercial real estate, with CRE loans of about $2.60 billion, or 53.37% of loans. Three non-performing multifamily and office loans account for $44.4 million, so a property downturn or weak workouts could produce material losses. (Longbridge, PR Newswire)
The margin improvement may not be fully repeatable because management cited elevated accretion income and interest recoveries from loan payoffs. Total deposits also fell by $134.1 million from year-end, which could increase funding pressure if core deposit growth falters. (PR Newswire)
Data summarised monthly by Lightyear AI. Last updated on 16 Sept 2026.
Upcoming events
No upcoming events
Funds containing Shore Bancshares
Fund name | Fund size | $SHBI weighting |
|---|---|---|
SPDR Russell 2000 US Small Cap€R2US | €4.8B | 0.03% |
Data displayed above is indicative only and its accuracy or completeness is not guaranteed. Actual execution price may vary. Past performance is not indicative of future results. Your return may be affected by currency fluctuations and applicable fees and charges. Capital at risk.
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