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Upturn AI SWOT - About
SHBI 
Shore Bancshares Inc (SHBI)
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Upturn Advisory Summary
09/11/2025: SHBI (1-star) has a low Upturn Star Rating. Not recommended to BUY.
Upturn Star Rating
Not Recommended Performance
These Stocks/ETFs, based on Upturn Advisory, consistently fall short of market performance, signaling caution before investing.
Number of Analysts
3 Analysts rated it
Very few follow this stock; limited insights, higher-risk early investing.
1 Year Target Price $17.83
1 Year Target Price $17.83
| 0 | Strong Buy |
| 2 | Buy |
| 1 | Hold |
| 0 | Sell |
| 0 | Strong Sell |
Analysis of Past Performance
Type Stock | Historic Profit 31.83% | Avg. Invested days 39 | Today’s Advisory Consider higher Upturn Star rating |
Upturn Star Rating | Upturn Advisory Performance  3.0 | Stock Returns Performance  3.0 |
| Profits based on simulation | Last Close 09/11/2025 |
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 566.76M USD | Price to earnings Ratio 10.47 | 1Y Target Price 17.83 |
Price to earnings Ratio 10.47 | 1Y Target Price 17.83 | ||
Volume (30-day avg) 3 | Beta 1.03 | 52 Weeks Range 11.29 - 17.48 | Updated Date 09/11/2025 |
52 Weeks Range 11.29 - 17.48 | Updated Date 09/11/2025 | ||
Dividends yield (FY) 2.84% | Basic EPS (TTM) 1.62 |
Analyzing Revenue: Products, Geography and Growth
Revenue by Products
Product revenue - Year on Year
Earnings Date
Report Date - | When - | Estimate - | Actual - |
Profitability
Profit Margin 25.81% | Operating Margin (TTM) 43.62% |
Management Effectiveness
Return on Assets (TTM) 0.9% | Return on Equity (TTM) 9.88% |
Valuation
Trailing PE 10.47 | Forward PE 10.09 | Enterprise Value 517438720 | Price to Sales(TTM) 2.72 |
Enterprise Value 517438720 | Price to Sales(TTM) 2.72 | ||
Enterprise Value to Revenue 3.3 | Enterprise Value to EBITDA - | Shares Outstanding 33417400 | Shares Floating 30358016 |
Shares Outstanding 33417400 | Shares Floating 30358016 | ||
Percent Insiders 8.82 | Percent Institutions 63.83 |
Upturn AI SWOT
Shore Bancshares Inc
Company Overview
History and Background
Shore Bancshares, Inc. was founded in 1996 and is headquartered in Easton, Maryland. It serves as the bank holding company for Shore United Bank, providing community banking services throughout Maryland, Delaware, and Virginia. The company has grown through a combination of organic expansion and strategic acquisitions.
Core Business Areas
- Community Banking: Offers a range of banking products and services to individuals, small businesses, and commercial customers, including deposit accounts, loans, and other financial services.
- Wealth Management: Provides investment advisory and wealth management services to individuals, families, and institutions.
- Insurance: Offers a variety of insurance products through its subsidiaries.
Leadership and Structure
Lloyd L. Beatty, Jr. is the President and CEO. The organizational structure consists of executive management overseeing various divisions, including retail banking, commercial lending, and wealth management.
Top Products and Market Share
Key Offerings
- Commercial Loans: Commercial loans represent a substantial portion of the loan portfolio and are a key driver of revenue. Competitors include other regional banks and credit unions.
- Residential Mortgages: Offers mortgage products to individuals seeking to purchase or refinance homes. Competitors include national mortgage lenders and other community banks.
- Deposit Accounts: Provides checking, savings, and money market accounts. Competitors include national banks and online banks.
Market Dynamics
Industry Overview
The banking industry is currently facing pressures from rising interest rates, increased regulatory scrutiny, and competition from fintech companies. Consolidation is also a trend within the community banking sector.
Positioning
Shore Bancshares Inc. is positioned as a community-focused bank serving the Mid-Atlantic region. Its competitive advantages include local market knowledge and personalized customer service.
Total Addressable Market (TAM)
The TAM for banking services in Shore Bancshares Inc.'s region is substantial, driven by population growth and economic activity. Shore Bancshares Inc. aims to capture a larger share of this market through organic growth and acquisitions.
Upturn SWOT Analysis
Strengths
- Strong local market presence
- Experienced management team
- Diversified revenue streams (banking, wealth management, insurance)
- Strong customer relationships
Weaknesses
- Limited geographic footprint compared to larger banks
- Reliance on traditional banking services
- Potential for higher operating costs
- Susceptibility to interest rate risk
Opportunities
- Expansion into new markets through acquisitions
- Increased adoption of digital banking technologies
- Growth in wealth management business
- Leveraging data analytics to improve customer service
Threats
- Increased competition from larger banks and fintech companies
- Rising interest rates impacting loan demand
- Economic downturn affecting loan quality
- Regulatory changes impacting profitability
Competitors and Market Share
Key Competitors
- BANC
- CUBI
- TFSL
Competitive Landscape
Shore Bancshares Inc. faces stiff competition from larger regional and national banks, as well as emerging fintech companies. Its advantages include its community focus and local market expertise. However, it may lack the scale and resources of its larger competitors.
Growth Trajectory and Initiatives
Historical Growth: Cannot determine Historical Growth because no data.
Future Projections: Future growth projections unavailable.
Recent Initiatives: Cannot determine Recent Initiatives because no data.
Summary
Shore Bancshares Inc. is a community-focused bank with a strong presence in the Mid-Atlantic region. The company benefits from a diversified business model and strong customer relationships. However, it faces challenges from increased competition, rising interest rates, and economic uncertainty. To sustain growth, the company needs to invest in technology and explore strategic acquisitions.
Peer Comparison
Sources and Disclaimers
Data Sources:
- Company Website
- SEC Filings (Placeholder)
- Industry Reports (Placeholder)
- Analyst Estimates (Placeholder)
Disclaimers:
The information provided is for informational purposes only and should not be considered financial advice. Actual financial data may vary. Market share data is estimated. Analyst estimates and future projections are subject to change.
AI Summarization is directionally correct and might not be accurate.
Summarized information shown could be a few years old and not current.
Fundamental Rating based on AI could be based on old data.
AI-generated summaries may have inaccuracies (hallucinations). Please verify the information before taking action.
About Shore Bancshares Inc
Exchange NASDAQ | Headquaters Easton, MD, United States | ||
IPO Launch date 2001-03-22 | President, CEO & Director Mr. James M. Burke | ||
Sector Financial Services | Industry Banks - Regional | Full time employees 584 | Website https://shorebancshares.q4ir.com |
Full time employees 584 | Website https://shorebancshares.q4ir.com | ||
Shore Bancshares, Inc. operates as a bank holding company for the Shore United Bank, N.A. that provides various consumer and commercial banking products and services to individuals, businesses, and other organizations in the United States. The company offers checking, savings, overnight investment sweep, and money market accounts; and regular and IRA certificates of deposit, as well as certificate of deposit account registry service programs and cash management services. It also provides commercial loans, such as secured and unsecured loans, working capital loans, lines of credit, term loans, accounts receivable financing, real estate acquisition and development loans, construction loans, and letters of credit; residential real estate construction loans; residential mortgage loans; and loans to consumers, including home equity, automobile, installment, home improvement, and personal lines of credit, as well as other consumer financing products. In addition, the company offers trust, wealth management, and financial planning services; treasury management services, such as merchant card processing, remote deposit capture, and ACH origination, as well as telephone, mobile, and Internet banking services; safe deposit boxes; debit and credit cards; and automatic teller machine services. Shore Bancshares, Inc. was founded in 1876 and is based in Easton, Maryland.
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