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Upturn AI Summary - About
Shore Bancshares Inc(SHBI)
Advisory History & Simulated Performance *
*as per simulation (see disclosures)- ALL
- 1Y
- 1M
- 1W
- BUY Advisory
- SELL Advisory (Profit)
- SELL Advisory (Loss)
- Profit
- Loss
- PASS (Skip)
Stock price based on last close Advisory Performance History (Simulated)
Upturn Advisory & Investor View for SHBI
10/28/2026: SHBI (3-star) is currently NOT-A-BUY. Pass it for now.
Shore Bancshares Inc is a regional financial holding company that operates primarily in Maryland, Virginia, and Delaware. The company is known for its focus on relationship-based community banking, having grown into a significant regional player through strategic mergers and acquisitions. Its core strength lies in its deep market penetration and recent scale expansion following the 2023 merger of equals. Growth opportunities involve leveraging its increased size to capture more commercial lending and wealth management business. However, risks regarding geographic concentration and ongoing merger integration remain critical factors to monitor. The stock is best suited for income-oriented and value-focused investors looking for regional bank exposure.
How to Read the Upturn Advisory
The Upturn Star Rating and the current BUY, SELL, or PASS advisory are generated by Upturn’s AI advisory engine based on proprietary signal analysis, price behavior, advisory history, and historical signal performance.
Company fundamentals, valuation, risks, and news provide supporting context about the business.
Investor Fit
| Investor style | Fit | Why |
|---|---|---|
| Growth investor | Mixed fit | Growth is largely driven by consolidation, which requires successful long-term integration. |
| Momentum investor | Mixed fit | Subject to broader regional banking sector trends and potential periodic volatility. |
| Value investor | Strong fit | Often trades at multiples reflective of community bank sector valuations. |
| Dividend investor | Strong fit | Provides consistent income through regular quarterly dividends. |
| Low-risk investor | Mixed fit | Banking stocks inherently carry credit and interest rate risk despite steady operations. |
Risk Profile
| Risk factor | Level | Why it matters |
|---|---|---|
| Price volatility | Medium | Bank stocks can fluctuate based on interest rate sentiment. |
| Valuation risk | Medium | Performance relative to book value is a key market consideration. |
| Competition risk (regional banking competition) | Medium / high | Intense pressure from larger banks with more resources. |
| Business quality | Medium | Quality depends on sustained credit discipline and management. |
| Dividend income | Low | Dividend history is stable, though subject to capital requirements. |
| Execution risk | Medium | Ongoing integration of past acquisitions is critical for margins. |
Price Behavior
Strong Uptrend
The stock has maintained a strong upward price trend across the last three quarters.
Smooth
The stock has moved along a generally orderly path with only modest fluctuations.
Analysis of Past Performance
Type Stock | Historic Profit 66.15% | Avg. Invested days 58 | Today’s Advisory PASS |
Upturn Advisory Rating  | Upturn Advisory Performance  4.0 | Stock Returns Performance  3.0 |
| Profits based on simulation | Last Close 10/28/2026 |
Upturn Scorecard
Upturn Star Rating 
Company Fundamentals
Financial Health Rating
Growth Momentum Score
Ownership
Top 5 Institutional Investors
Unit Economics (Per $1K Revenue)
Economic Dimensions
Quantitative Style Profile
Style Classification
Quality Focused
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 755.70M USD | Price to earnings Ratio 11.07 | 1Y Target Price 25.5 |
Price to earnings Ratio 11.07 | 1Y Target Price 25.5 | ||
Volume (30-day avg) 243.1K shares | Beta 0.82 | 52 Weeks Range 15.03 - 24.74 | Updated Date 10/28/2026 |
52 Weeks Range 15.03 - 24.74 | Updated Date 10/28/2026 | ||
Dividends yield (FY) 2.29% | Basic EPS (TTM) 2.05 |
How Company Makes Money
| Business area | What it includes | Retail investor read |
|---|---|---|
| Net Interest Income | Interest earned on loans minus interest paid on deposits. | The primary way the bank makes money; it thrives when the spread between what it earns on loans and pays on deposits is wide. |
| Non-Interest Income | Service charges, trust fees, wealth management fees, and card processing fees. | Provides a stable, non-interest-rate-dependent stream of revenue. |
Analyzing Revenue: Products, Geography and Growth
Revenue by Products
Product revenue - Year on Year
Earnings Date
Report Date 2026-10-22 | When After Market | Estimate 0.53 | Actual 0.54 |
Profitability
Profit Margin 29.27% | Operating Margin (TTM) 43.56% |
Management Effectiveness
Return on Assets (TTM) 1.08% | Return on Equity (TTM) 11.47% |
Valuation
Trailing PE 11.07 | Forward PE 10.09 | Enterprise Value 399.77M | Price to Sales(TTM) 3.22 |
Enterprise Value 399.77M | Price to Sales(TTM) 3.22 | ||
Enterprise Value to Revenue 3.53 | Enterprise Value to EBITDA - | Shares Outstanding 33.31M | Shares Floating 30.30M |
Shares Outstanding 33.31M | Shares Floating 30.30M | ||
Percent Insiders 8.81 | Percent Institutions 72.98 |
Financial Metrics
🧭 Investment Snapshot
Total Revenue (Scale)
Total money earned from selling products or services before any costs. It is needed to understand the scale of the business and its ability to generate income.
Net Income (Profit)
Final profit after all expenses, interest, and taxes are deducted. It is needed to determine the overall profitability available to shareholders.
Free Cash Flow (Cash Strength)
Cash remaining after operating activities and capital expenditures, showing cash available for growth. It is needed to evaluate the company’s ability to invest, pay dividends, or reduce debt.
📈 Growth & Strength
Operating Income (Core Profit)
Profit from core operations after deducting all operating expenses. It is needed to measure how efficiently the company runs its primary business activities.
EBITDA (Cash Earnings)
Earnings before interest, taxes, depreciation, and amortization, indicating operating cash potential. It is needed to compare operating performance across companies without accounting or financing differences.
Gross Profit (Unit Profitability)
Revenue minus cost of revenue, showing profit after direct production costs. It is needed to evaluate core business profitability before overhead expenses.
🛡️ Financial Safety
Cash (Liquidity Buffer)
Total cash and cash equivalents on hand. It is needed to evaluate immediate liquidity and financial flexibility.
Total Debt (Leverage Risk)
Total debt including both short-term and long-term components. It is needed to assess the company’s leverage and financial risk.
Net Working Capital (Short-Term Health)
Current assets minus current liabilities, indicating short-term liquidity strength. It is needed to assess whether the company can meet its short-term obligations.
🧱 Balance Sheet Strength
Stockholder Equity (Net Worth)
Total equity value held by shareholders. It is needed to understand the net worth of the company from the owners’ perspective.
Total Assets (Asset Base)
The full value of everything the company owns, including cash, inventory, equipment, and investments. It is needed to understand the resource base used to generate revenue.
Income Before Tax (Pre-Tax Earnings)
Income before provision for income taxes. It is needed to analyze profitability independent of tax structures.
⚙️ Cost & Drag Factors
Cost of Revenue (Production Cost)
Direct costs required to produce and deliver the products or services sold. It is needed to assess efficiency in production and service delivery.
Total Operating Expenses (Operating Cost)
Indirect costs of running the business such as salaries, marketing, and administration. It is needed to understand how much it costs to sustain ongoing business operations.
Income Tax Expense (Tax Drag)
Amount of taxes paid or payable to the government. It is needed to evaluate the impact of taxation on overall profitability.
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