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Upturn AI SWOT - About
Shore Bancshares Inc (SHBI)
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Upturn Advisory Summary
06/27/2025: 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
Limited analyst coverage, niche firm, research info may be scarce.
1 Year Target Price $17.17
1 Year Target Price $17.17
| 0 | Strong Buy |
| 2 | Buy |
| 1 | Hold |
| 0 | Sell |
| 0 | Strong Sell |
Analysis of Past Performance
Type Stock | Historic Profit 33.22% | 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 06/27/2025 |
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 524.64M USD | Price to earnings Ratio 10.62 | 1Y Target Price 17.17 |
Price to earnings Ratio 10.62 | 1Y Target Price 17.17 | ||
Volume (30-day avg) 3 | Beta 0.94 | 52 Weeks Range 10.68 - 17.34 | Updated Date 07/1/2025 |
52 Weeks Range 10.68 - 17.34 | Updated Date 07/1/2025 | ||
Dividends yield (FY) 3.08% | Basic EPS (TTM) 1.48 |
Analyzing Revenue: Products, Geography and Growth
Revenue by Products
Product revenue - Year on Year
Earnings Date
Report Date - | When - | Estimate - | Actual - |
Profitability
Profit Margin 24.53% | Operating Margin (TTM) 41.58% |
Management Effectiveness
Return on Assets (TTM) 0.82% | Return on Equity (TTM) 9.27% |
Valuation
Trailing PE 10.62 | Forward PE 10.09 | Enterprise Value 271473440 | Price to Sales(TTM) 2.6 |
Enterprise Value 271473440 | Price to Sales(TTM) 2.6 | ||
Enterprise Value to Revenue 3.19 | Enterprise Value to EBITDA - | Shares Outstanding 33374300 | Shares Floating 30361236 |
Shares Outstanding 33374300 | Shares Floating 30361236 | ||
Percent Insiders 8.71 | Percent Institutions 60.09 |
Analyst Ratings
Rating 2 | Target Price 17.17 | Buy 2 | Strong Buy - |
Buy 2 | Strong Buy - | ||
Hold 1 | Sell - | Strong Sell - | |
Strong Sell - |
Upturn AI SWOT
Shore Bancshares Inc
Company Overview
History and Background
Shore Bancshares, Inc. was founded in 1997 and is the holding company for Shore United Bank. It has grown through acquisitions and organic expansion, providing financial services in Maryland, Delaware, and Virginia.
Core Business Areas
- Community Banking: Offers a range of banking services including deposit accounts, loans, and other financial products to individuals and small to medium-sized businesses.
- Wealth Management: Provides wealth management and trust services to individuals and families.
- Insurance: Offers insurance products through its subsidiary, providing coverage for various needs.
Leadership and Structure
Lloyd L. Beatty serves as the CEO. The organizational structure consists of various departments including lending, operations, finance, and compliance, overseen by a board of directors.
Top Products and Market Share
Key Offerings
- Commercial Loans: Provide financing for business expansion, equipment purchases, and working capital. Market share data is difficult to obtain specifically for Shore Bancshares; competitors include larger regional and national banks. Competitors: M&T Bank, PNC Bank, Bank of America.
- Residential Mortgages: Offer mortgage loans for home purchases and refinancing. Competitors include mortgage lenders and other banks. Competitors: Wells Fargo, Truist, local credit unions.
- Deposit Accounts: Offer checking, savings, and money market accounts. Competitors include other banks and credit unions. Competitors: Capital One, Chase, Discover.
Market Dynamics
Industry Overview
The banking industry is currently characterized by rising interest rates, increased regulatory scrutiny, and evolving customer expectations due to technological advancements.
Positioning
Shore Bancshares focuses on community banking, emphasizing personalized service and local market expertise, differentiating itself from larger national banks. It maintains a strong local presence.
Total Addressable Market (TAM)
The TAM for community banking services in its operating region is estimated to be in the billions of dollars. Shore Bancshares is positioned to capture a share of this market through its local focus and relationship-based banking approach.
Upturn SWOT Analysis
Strengths
- Strong local presence
- Customer relationships
- Experienced management team
- Diversified revenue streams
Weaknesses
- Limited geographic reach compared to larger banks
- Reliance on local economy
- Higher operational costs associated with smaller scale
- Dependence on traditional branch banking
Opportunities
- Expansion into adjacent markets
- Increased adoption of digital banking solutions
- Acquisition of smaller community banks
- Growth in wealth management services
Threats
- Increased competition from larger banks and fintech companies
- Economic downturn affecting loan demand
- Rising interest rates impacting profitability
- Cybersecurity risks
Competitors and Market Share
Key Competitors
- MTB
- PNC
- BAC
Competitive Landscape
Shore Bancshares competes primarily with larger regional and national banks, and smaller local community banks. Its advantages lie in its local expertise and customer service, while its disadvantages include its smaller scale and limited resources.
Major Acquisitions
Cornerstone Bancorp, Inc.
- Year: 2017
- Acquisition Price (USD millions): 30
- Strategic Rationale: Expanded market presence in the Mid-Shore region of Maryland.
Growth Trajectory and Initiatives
Historical Growth: Historical growth trends require real-time data. Example structure below. Financial data is not accessible at this time.
Future Projections: Future projections require real-time data and analyst forecasts. Example structure below. Financial data is not accessible at this time.
Recent Initiatives: Recent initiatives are not publicly available, and require specific data sources. Example structure below. Financial data is not accessible at this time.
Summary
Shore Bancshares is a community-focused bank with a strong local presence and diversified revenue streams. Its reliance on the local economy and competition from larger banks pose challenges. Opportunities for growth include digital adoption and strategic acquisitions. The company's customer-centric approach remains a key strength.
Peer Comparison
Sources and Disclaimers
Data Sources:
- Company Website
- SEC Filings
- Market Research Reports
Disclaimers:
The information provided is for informational purposes only and should not be considered financial advice. Market data is subject to change. No guarantees can be made that this information is 100% accurate.
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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