Shore Bancshares Financials
SHBI Stock | USD 13.65 0.23 1.66% |
Current Value | Last Year | Change From Last Year | 10 Year Trend | ||||||
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Debt Equity Ratio | 0.0208 | 0.0219 |
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Current Ratio | 5.1 | 5.368 |
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The essential information of the day-to-day investment outlook for Shore Bancshares includes many different criteria found on its balance sheet. An individual investor should monitor Shore Bancshares' cash flow, debt, and profitability to accurately make informed decisions on whether to invest in Shore Bancshares.
Net Income |
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Shore | Select Account or Indicator |
Shore Bancshares Stock Summary
Shore Bancshares competes with Home Federal, IF Bancorp, Western New, Colony Bankcorp, and Investar Holding. 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. The company was founded in 1876 and is headquartered in Easton, Maryland. Shore Bancshares operates under BanksRegional classification in the United States and is traded on NASDAQ Exchange. It employs 454 people.Specialization | Financial Services, Banks - Regional |
Instrument | USA Stock View All |
Exchange | NASDAQ Exchange |
ISIN | US8251071051 |
CUSIP | 825107105 |
Location | Maryland; U.S.A |
Business Address | 18 East Dover |
Sector | Banks |
Industry | Financials |
Benchmark | Dow Jones Industrial |
Website | shorebancshares.q4ir.com |
Phone | 410 763 7800 |
Currency | USD - US Dollar |
Shore Bancshares Key Financial Ratios
Return On Equity | 0.0834 | |||
Profit Margin | 0.22 % | |||
Operating Margin | 0.41 % | |||
Price To Sales | 2.36 X | |||
Revenue | 295.34 M |
Shore Bancshares Key Balance Sheet Accounts
2020 | 2021 | 2022 | 2023 | 2024 | 2025 (projected) | ||
Total Assets | 1.9B | 3.5B | 3.5B | 6.0B | 6.2B | 6.5B | |
Net Debt | (157.6M) | (519.1M) | 37.5M | (287.3M) | (32.2M) | (33.8M) | |
Retained Earnings | 141.2M | 150.0M | 171.6M | 162.3M | 190.2M | 98.1M | |
Cash | 186.9M | 583.6M | 55.5M | 372.4M | 44.0M | 41.8M | |
Other Assets | 1.3B | 2.1B | 735.7M | 1.0 | 5.9B | 6.2B | |
Net Receivables | 6.8M | 7.3M | 9.4M | 19.2M | 19.6M | 20.5M | |
Total Liab | 1.7B | 3.1B | 3.1B | 5.5B | 5.7B | 6.0B | |
Total Current Assets | 333.3M | 707.9M | 2.6B | 391.8M | 63.6M | 60.4M | |
Common Stock | 118K | 198K | 199K | 332K | 333K | 349.7K | |
Other Liab | 4.4M | 3.8M | 6.6M | 7.7M | 7.0M | 5.0M | |
Accounts Payable | 330K | 1.7M | 3.4M | 1.3M | 1.2M | 1.1M | |
Long Term Debt | 24.4M | 52.9M | 43.1M | 72.3M | 123.7M | 129.9M | |
Inventory | (195.2M) | (594.3M) | 2.4B | 44.0M | 50.5M | 45.7M | |
Other Current Assets | 196.6M | 597.2M | 70.5M | 391.8M | 352.6M | 413.0M | |
Short Term Debt | 1.5M | 11.6M | 40M | 1.8M | 11.8M | 16.4M | |
Intangible Assets | 1.7M | 11.6M | 10.8M | 54.0M | 44.2M | 42.0M | |
Other Current Liab | (405K) | 677K | (31.4M) | 4.9B | (11.8M) | (11.3M) | |
Net Tangible Assets | 173.0M | 175.8M | 279.7M | 295.5M | 339.8M | 175.1M |
Shore Bancshares Key Income Statement Accounts
2020 | 2021 | 2022 | 2023 | 2024 | 2025 (projected) | ||
Interest Expense | 7.1M | 6.0M | 12.5M | 78.8M | 124.8M | 131.0M | |
Total Revenue | 63.3M | 77.6M | 124.4M | 128.7M | 295.3M | 310.1M | |
Gross Profit | 63.3M | 77.6M | 124.4M | 128.7M | 295.3M | 310.1M | |
Operating Income | 21.0M | 21.2M | 54.7M | 32.3M | 289.5M | 304.0M | |
Ebit | (2.8M) | (12.5M) | (10.0M) | 14.2M | 12.8M | 14.6M | |
Ebitda | (1.1M) | (10.3M) | (5.6M) | 25.1M | 22.6M | 15.7M | |
Income Before Tax | 21.0M | 21.2M | 42.1M | 14.2M | 58.7M | 61.6M | |
Net Income | 15.7M | 15.4M | 31.2M | 11.2M | 43.9M | 46.1M | |
Income Tax Expense | 5.3M | 5.8M | 11.0M | 3.0M | 14.8M | 15.6M | |
Tax Provision | 5.3M | 5.8M | 11.0M | 1.9M | 14.8M | 7.6M | |
Net Interest Income | 52.6M | 64.1M | 101.3M | 120.7M | 170.5M | 179.1M | |
Interest Income | 59.7M | 70.2M | 113.8M | 175.2M | 295.3M | 310.1M |
Shore Bancshares Key Cash Accounts
2020 | 2021 | 2022 | 2023 | 2024 | 2025 (projected) | ||
Change In Cash | 91.9M | 396.7M | (528.1M) | 316.9M | 87.4M | 91.8M | |
Free Cash Flow | 16.1M | (11.0M) | 50.2M | 16.8M | 41.7M | 43.7M | |
Depreciation | 2.5M | 3.1M | 5.9M | 10.9M | 122K | 115.9K | |
Other Non Cash Items | 2.9M | (27.6M) | 25.8M | 9.8M | 491K | 466.5K | |
Dividends Paid | 6.0M | 6.6M | 9.5M | 12.7M | 16.0M | 16.8M | |
Capital Expenditures | 2.4M | 3.5M | 2.4M | 6.0M | 5.2M | 5.5M | |
Net Income | 15.7M | 15.4M | 31.2M | 11.2M | 43.9M | 46.1M | |
End Period Cash Flow | 186.9M | 583.6M | 55.5M | 372.4M | 459.9M | 482.8M | |
Investments | (280.1M) | 38.2M | (581.6M) | 83.8M | (134.5M) | (141.3M) | |
Net Borrowings | 54.1M | (59.6M) | 9.2M | 3.1M | 3.6M | 3.7M | |
Change To Netincome | (11.9M) | 1.1M | 1.9M | (27.1M) | (24.4M) | (23.2M) |
Shore Financial Ratios Relationships
Comparative valuation techniques use various fundamental indicators to help in determining Shore Bancshares's current stock value. Our valuation model uses many indicators to compare Shore Bancshares value to that of its competitors to determine the firm's financial worth. You can analyze the relationship between different fundamental ratios across Shore Bancshares competition to find correlations between indicators driving Shore Bancshares's intrinsic value. More Info.Shore Bancshares is rated below average in return on equity category among its peers. It is rated below average in return on asset category among its peers reporting about 0.09 of Return On Asset per Return On Equity. The ratio of Return On Equity to Return On Asset for Shore Bancshares is roughly 11.58 . As of now, Shore Bancshares' Return On Equity is increasing as compared to previous years. The reason why the comparable model can be used in almost all circumstances is due to the vast number of multiples that can be utilized, such as the price-to-earnings (P/E), price-to-book (P/B), price-to-sales (P/S), price-to-cash flow (P/CF), and many others. The P/E ratio is the most commonly used of these ratios because it focuses on the Shore Bancshares' earnings, one of the primary drivers of an investment's value.Shore Bancshares Systematic Risk
Shore Bancshares' systematic risk plays a vital role in portfolio allocation when considering its stock to be added to a well-diversified portfolio. Shore Bancshares volatility which cannot be eliminated through diversification, requires returns over the risk-free rate. Over the long run, a well-diversified portfolio provides returns that match its exposure to systematic risk. In this case, investors face a trade-off between expected returns and systematic risk and, therefore, can only reduce a portfolio's exposure to systematic risk by sacrificing expected returns on the portfolio.
Incorrect Input. Please change your parameters or increase the time horizon required for running this function. The output start index for this execution was zero with a total number of output elements of zero. The Beta measures systematic risk based on how returns on Shore Bancshares correlated with the market. If Beta is less than 0 Shore Bancshares generally moves in the opposite direction as compared to the market. If Shore Bancshares Beta is about zero movement of price series is uncorrelated with the movement of the benchmark. if Beta is between zero and one Shore Bancshares is generally moves in the same direction as, but less than the movement of the market. For Beta = 1 movement of Shore Bancshares is generally in the same direction as the market. If Beta > 1 Shore Bancshares moves generally in the same direction as, but more than the movement of the benchmark.
Today, most investors in Shore Bancshares Stock are looking for potential investment opportunities by analyzing not only static indicators but also various Shore Bancshares' growth ratios. Consistent increases or decreases in fundamental ratios usually indicate a possible pattern that can be successfully translated into profits. However, when comparing two companies, knowing each company's growth growth rates may not be enough to decide which company is a better investment. That's why investors frequently use static breakdown of Shore Bancshares growth as a starting point in their analysis.
Price Earnings To Growth Ratio |
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Shore Bancshares March 21, 2025 Opportunity Range
Along with financial statement analysis, the daily predictive indicators of Shore Bancshares help investors to analyze its daily demand and supply, volume, patterns, and price swings to determine the real value of Shore Bancshares. We use our internally-developed statistical techniques to arrive at the intrinsic value of Shore Bancshares based on widely used predictive technical indicators. In general, we focus on analyzing Shore Stock price patterns and their correlations with different microeconomic environment and drivers. We also apply predictive analytics to build Shore Bancshares's daily price indicators and compare them against related drivers.
Information Ratio | (0.14) | |||
Maximum Drawdown | 7.59 | |||
Value At Risk | (3.89) | |||
Potential Upside | 2.03 |
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When running Shore Bancshares' price analysis, check to measure Shore Bancshares' market volatility, profitability, liquidity, solvency, efficiency, growth potential, financial leverage, and other vital indicators. We have many different tools that can be utilized to determine how healthy Shore Bancshares is operating at the current time. Most of Shore Bancshares' value examination focuses on studying past and present price action to predict the probability of Shore Bancshares' future price movements. You can analyze the entity against its peers and the financial market as a whole to determine factors that move Shore Bancshares' price. Additionally, you may evaluate how the addition of Shore Bancshares to your portfolios can decrease your overall portfolio volatility.
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