Shore Bancshares Financials

SHBI Stock  USD 13.65  0.23  1.66%   
Based on the key indicators related to Shore Bancshares' liquidity, profitability, solvency, and operating efficiency, Shore Bancshares may be sliding down financialy. It has an above-average probability of going through some form of financial hardship next quarter. As of now, Shore Bancshares' Other Assets are increasing as compared to previous years. The Shore Bancshares' current Net Receivables is estimated to increase to about 20.5 M, while Short and Long Term Debt Total is projected to decrease to under 11.3 M. Key indicators impacting Shore Bancshares' financial strength include:
Current ValueLast YearChange From Last Year 10 Year Trend
Debt Equity Ratio0.02080.0219
Notably Down
Very volatile
Current Ratio5.15.368
Notably Down
Slightly volatile
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

46.08 Million

  

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
InstrumentUSA Stock View All
ExchangeNASDAQ Exchange
ISINUS8251071051
CUSIP825107105
LocationMaryland; U.S.A
Business Address18 East Dover
SectorBanks
IndustryFinancials
BenchmarkDow Jones Industrial
Websiteshorebancshares.q4ir.com
Phone410 763 7800
CurrencyUSD - US Dollar

Shore Bancshares Key Financial Ratios

Shore Bancshares Key Balance Sheet Accounts

202020212022202320242025 (projected)
Total Assets1.9B3.5B3.5B6.0B6.2B6.5B
Net Debt(157.6M)(519.1M)37.5M(287.3M)(32.2M)(33.8M)
Retained Earnings141.2M150.0M171.6M162.3M190.2M98.1M
Cash186.9M583.6M55.5M372.4M44.0M41.8M
Other Assets1.3B2.1B735.7M1.05.9B6.2B
Net Receivables6.8M7.3M9.4M19.2M19.6M20.5M
Total Liab1.7B3.1B3.1B5.5B5.7B6.0B
Total Current Assets333.3M707.9M2.6B391.8M63.6M60.4M
Common Stock118K198K199K332K333K349.7K
Other Liab4.4M3.8M6.6M7.7M7.0M5.0M
Accounts Payable330K1.7M3.4M1.3M1.2M1.1M
Long Term Debt24.4M52.9M43.1M72.3M123.7M129.9M
Inventory(195.2M)(594.3M)2.4B44.0M50.5M45.7M
Other Current Assets196.6M597.2M70.5M391.8M352.6M413.0M
Short Term Debt1.5M11.6M40M1.8M11.8M16.4M
Intangible Assets1.7M11.6M10.8M54.0M44.2M42.0M
Other Current Liab(405K)677K(31.4M)4.9B(11.8M)(11.3M)
Net Tangible Assets173.0M175.8M279.7M295.5M339.8M175.1M

Shore Bancshares Key Income Statement Accounts

202020212022202320242025 (projected)
Interest Expense7.1M6.0M12.5M78.8M124.8M131.0M
Total Revenue63.3M77.6M124.4M128.7M295.3M310.1M
Gross Profit63.3M77.6M124.4M128.7M295.3M310.1M
Operating Income21.0M21.2M54.7M32.3M289.5M304.0M
Ebit(2.8M)(12.5M)(10.0M)14.2M12.8M14.6M
Ebitda(1.1M)(10.3M)(5.6M)25.1M22.6M15.7M
Income Before Tax21.0M21.2M42.1M14.2M58.7M61.6M
Net Income15.7M15.4M31.2M11.2M43.9M46.1M
Income Tax Expense5.3M5.8M11.0M3.0M14.8M15.6M
Tax Provision5.3M5.8M11.0M1.9M14.8M7.6M
Net Interest Income52.6M64.1M101.3M120.7M170.5M179.1M
Interest Income59.7M70.2M113.8M175.2M295.3M310.1M

Shore Bancshares Key Cash Accounts

202020212022202320242025 (projected)
Change In Cash91.9M396.7M(528.1M)316.9M87.4M91.8M
Free Cash Flow16.1M(11.0M)50.2M16.8M41.7M43.7M
Depreciation2.5M3.1M5.9M10.9M122K115.9K
Other Non Cash Items2.9M(27.6M)25.8M9.8M491K466.5K
Dividends Paid6.0M6.6M9.5M12.7M16.0M16.8M
Capital Expenditures2.4M3.5M2.4M6.0M5.2M5.5M
Net Income15.7M15.4M31.2M11.2M43.9M46.1M
End Period Cash Flow186.9M583.6M55.5M372.4M459.9M482.8M
Investments(280.1M)38.2M(581.6M)83.8M(134.5M)(141.3M)
Net Borrowings54.1M(59.6M)9.2M3.1M3.6M3.7M
Change To Netincome(11.9M)1.1M1.9M(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

0.059

As of now, Shore Bancshares' Price Earnings To Growth Ratio is decreasing as compared to previous years.

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.

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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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