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SHBI 
Shore Bancshares Inc (SHBI)
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Upturn Advisory Summary
01/09/2026: 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 $19
1 Year Target Price $19
| 0 | Strong Buy |
| 2 | Buy |
| 1 | Hold |
| 0 | Sell |
| 0 | Strong Sell |
Analysis of Past Performance
Type Stock | Historic Profit 26.39% | Avg. Invested days 40 | 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 01/09/2026 |
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 597.00M USD | Price to earnings Ratio 10.44 | 1Y Target Price 19 |
Price to earnings Ratio 10.44 | 1Y Target Price 19 | ||
Volume (30-day avg) 3 | Beta 0.93 | 52 Weeks Range 11.20 - 19.22 | Updated Date 01/10/2026 |
52 Weeks Range 11.20 - 19.22 | Updated Date 01/10/2026 | ||
Dividends yield (FY) 2.65% | Basic EPS (TTM) 1.71 |
Analyzing Revenue: Products, Geography and Growth
Revenue by Products
Product revenue - Year on Year
Earnings Date
Report Date - | When - | Estimate - | Actual - |
Profitability
Profit Margin 26.78% | Operating Margin (TTM) 40.97% |
Management Effectiveness
Return on Assets (TTM) 0.93% | Return on Equity (TTM) 10.25% |
Valuation
Trailing PE 10.44 | Forward PE 10.09 | Enterprise Value 316171872 | Price to Sales(TTM) 2.81 |
Enterprise Value 316171872 | Price to Sales(TTM) 2.81 | ||
Enterprise Value to Revenue 3.39 | Enterprise Value to EBITDA - | Shares Outstanding 33426756 | Shares Floating 30469825 |
Shares Outstanding 33426756 | Shares Floating 30469825 | ||
Percent Insiders 8.83 | Percent Institutions 66.24 |
Upturn AI SWOT
Shore Bancshares Inc
Company Overview
History and Background
Shore Bancshares Inc. was founded in 1997 and is a bank holding company headquartered in Easton, Maryland. It operates primarily through its subsidiary, Shore United Bank, which offers a broad range of financial services to individuals and businesses. The company has grown organically and through strategic acquisitions to expand its geographic reach and service offerings.
Core Business Areas
- Community Banking: Provides a full spectrum of banking services including checking and savings accounts, money market accounts, certificates of deposit, commercial and consumer loans, residential mortgages, and business financing. This is the primary revenue driver.
- Wealth Management: Offers investment management, financial planning, trust services, and retirement planning. This segment aims to provide comprehensive financial solutions beyond traditional banking.
- Mortgage Banking: Origination and servicing of residential mortgage loans.
Leadership and Structure
Shore Bancshares Inc. is led by a Board of Directors and an executive management team. Key leadership roles include the Chief Executive Officer, Chief Financial Officer, and President of Shore United Bank. The company operates a hierarchical structure with clear lines of reporting and responsibility, with Shore United Bank serving as the operational arm.
Top Products and Market Share
Key Offerings
- Checking and Savings Accounts: Core deposit products offering liquidity and interest for customers. Competitors include national banks, regional banks, and credit unions. Market share data for specific deposit products is not publicly disclosed at a granular level, but deposit growth is a key indicator of success.
- Commercial Loans: Financing for businesses, including term loans, lines of credit, and real estate financing. Competitors include other community banks, regional banks, and larger national financial institutions. Loan portfolio growth and net interest margin are key performance indicators.
- Residential Mortgages: Home loan origination and servicing. Competitors include national mortgage lenders, other banks, and credit unions. Market share is highly fragmented and dependent on local market conditions.
- Wealth Management Services: Investment advisory, trust, and estate planning. Competitors include independent wealth management firms, larger financial institutions with dedicated wealth divisions, and brokerage firms. Assets Under Management (AUM) is a key metric.
Market Dynamics
Industry Overview
The US banking industry is highly competitive and mature, characterized by a mix of large national banks, regional banks, and numerous community banks. Key trends include digital transformation, increasing regulatory scrutiny, evolving customer expectations for seamless digital experiences, and a focus on interest rate sensitivity. The industry is also influenced by economic conditions and monetary policy.
Positioning
Shore Bancshares Inc. positions itself as a community-focused bank, emphasizing personalized service and local market expertise. Its competitive advantages lie in its strong relationships within its operating regions, its ability to offer tailored financial solutions, and its agility as a smaller institution compared to national giants. The company aims to differentiate itself through customer service and deep community involvement.
Total Addressable Market (TAM)
The TAM for community banking services is vast, encompassing all individuals and businesses requiring deposit accounts, loans, and financial advisory services. For Shore Bancshares Inc., the TAM is effectively the sum of the financial needs of the populations and businesses in its current and potential expansion markets, which are primarily in Maryland and Delaware. The company's current market penetration is concentrated in these specific geographic areas, and its growth strategy involves deepening penetration and potentially expanding into adjacent markets.
Upturn SWOT Analysis
Strengths
- Strong community ties and local market knowledge.
- Personalized customer service model.
- Agility and responsiveness of a community bank.
- Diversified revenue streams beyond traditional lending (e.g., wealth management).
- Experienced management team with deep industry knowledge.
Weaknesses
- Limited geographic diversification compared to larger banks.
- Potential for slower adoption of cutting-edge digital technologies.
- Reliance on interest rate spreads for a significant portion of revenue.
- Smaller brand recognition outside of its core markets.
Opportunities
- Expansion into adjacent geographic markets.
- Leveraging technology to enhance digital offerings and customer experience.
- Cross-selling opportunities with existing and new customers.
- Strategic acquisitions to expand market share or service capabilities.
- Growing demand for specialized financial advice and wealth management services.
Threats
- Intensified competition from larger banks, credit unions, and fintech companies.
- Rising interest rates or economic downturn impacting loan demand and credit quality.
- Increasing cybersecurity threats and regulatory compliance costs.
- Shifting customer preferences towards digital-only banking solutions.
- Changes in banking regulations.
Competitors and Market Share
Key Competitors
- PNC Financial Services Group (PNC)
- M&T Bank Corporation (MTB)
- Truist Financial Corporation (TFC)
- JPMorgan Chase & Co. (JPM)
Competitive Landscape
Shore Bancshares Inc. operates in a competitive landscape dominated by larger national and regional banks. Its advantages lie in its community focus and personalized service, which can be particularly appealing to local businesses and individuals. However, it faces challenges in competing on scale, technological innovation, and broad product offerings compared to its larger rivals.
Growth Trajectory and Initiatives
Historical Growth: Shore Bancshares Inc. has demonstrated historical growth through a combination of organic expansion and strategic acquisitions. This growth is typically reflected in increases in total assets, loan portfolios, deposit bases, and net income over successive periods.
Future Projections: Future growth projections for Shore Bancshares Inc. would typically be based on analyst estimates, considering factors such as anticipated economic conditions, interest rate outlook, market expansion plans, and the success of new product introductions or strategic initiatives. These projections often focus on EPS growth and revenue expansion.
Recent Initiatives: Recent initiatives may include the implementation of new digital banking platforms, expansion into new geographic areas, or the acquisition of smaller financial institutions to bolster market presence and service offerings.
Summary
Shore Bancshares Inc. is a community-focused banking institution with a solid foundation in its core markets. Its strengths lie in customer relationships and personalized service, while its growth has been historically steady. The company needs to be mindful of the intensifying competition from larger banks and fintechs and continue to invest in digital capabilities to remain competitive. Strategic expansion and effective interest rate management will be key for its future success.
Similar Stocks
Sources and Disclaimers
Data Sources:
- Company SEC Filings (10-K, 10-Q)
- Investor Relations Websites
- Financial News Outlets (e.g., Bloomberg, Reuters)
- Market Data Providers (e.g., Refinitiv, FactSet - for aggregated market data)
- Industry Reports
Disclaimers:
This analysis is based on publicly available information and general industry knowledge. Financial data and market share figures are estimates and subject to change. This information is for informational purposes only and should not be considered investment advice. Investors should conduct their own due diligence before making any investment decisions.
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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