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Upturn AI SWOT - About
SHBI 
Shore Bancshares Inc (SHBI)
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Upturn Advisory Summary
08/28/2025: 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 31.14% | Avg. Invested days 38 | 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 08/28/2025 |
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 574.45M USD | Price to earnings Ratio 10.61 | 1Y Target Price 17.83 |
Price to earnings Ratio 10.61 | 1Y Target Price 17.83 | ||
Volume (30-day avg) 3 | Beta 1.02 | 52 Weeks Range 11.29 - 17.29 | Updated Date 08/29/2025 |
52 Weeks Range 11.29 - 17.29 | Updated Date 08/29/2025 | ||
Dividends yield (FY) 2.81% | 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 10.61 | Forward PE 10.09 | Enterprise Value 525124704 | Price to Sales(TTM) 2.76 |
Enterprise Value 525124704 | Price to Sales(TTM) 2.76 | ||
Enterprise Value to Revenue 3.32 | 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 1997 and is headquartered in Easton, Maryland. It serves as the holding company for Shore United Bank. The company has grown through acquisitions and organic expansion, focusing on community banking in the Mid-Atlantic region.
Core Business Areas
- Commercial Banking: Provides commercial loans, lines of credit, and other banking services to businesses.
- Retail Banking: Offers deposit accounts, mortgages, consumer loans, and other retail banking services to individuals.
- Wealth Management: Provides investment management, trust, and financial planning services.
Leadership and Structure
Lloyd L. Beatty serves as the President and CEO. The company has a board of directors overseeing strategic direction. The organizational structure includes divisions for commercial banking, retail banking, and wealth management.
Top Products and Market Share
Key Offerings
- Commercial Loans: Commercial loans constitute a significant portion of Shore Bancshares' revenue. Market share data is difficult to precisely pinpoint due to the fragmented nature of community banking, but Shore Bancshares holds a significant position in its local markets. Competitors include larger regional banks and credit unions.
- Competitors: National mortgage lenders, other community banks, and credit unions
- Residential Mortgages: Shore United Bank provides mortgage products to individuals. Market share is regionally focused and subject to competition from national mortgage lenders and other community banks. Exact market share data is not publicly available but contributes significantly to loan revenue.
- Competitors: Other banks, credit unions, and online financial institutions
- Deposit Accounts: Offers checking, savings, and money market accounts. Competes for deposits with other banks and credit unions; revenue primarily from net interest margin on deposits. No public available data for revenue from this product alone.
Market Dynamics
Industry Overview
The community banking industry is highly competitive, facing pressure from larger banks and non-bank financial institutions. Regulatory compliance and interest rate fluctuations significantly impact profitability.
Positioning
Shore Bancshares focuses on providing personalized service and local expertise, differentiating itself from larger national banks. It builds relationships with customers in its region, allowing for sustained growth. It leverages trust-based client relationships and community knowledge to compete with larger, more impersonal institutions.
Total Addressable Market (TAM)
The TAM for banking services in Shore Bancshares' geographic footprint is estimated to be in the billions of dollars. Shore Bancshares captures a portion of this TAM by focusing on relationship-based banking and local expertise.
Upturn SWOT Analysis
Strengths
- Strong local market presence
- Experienced management team
- Relationship-based banking approach
- Diversified revenue streams
Weaknesses
- Limited geographic reach compared to larger banks
- Susceptibility to interest rate fluctuations
- Higher operating costs due to smaller scale
- Reliance on local economy
Opportunities
- Expansion into new markets within the region
- Increased adoption of digital banking services
- Strategic acquisitions of smaller banks
- Growth in wealth management business
Threats
- Increased competition from larger banks and credit unions
- Economic downturn impacting loan demand
- Rising regulatory compliance costs
- Cybersecurity threats
Competitors and Market Share
Key Competitors
- Sandy Spring Bancorp (SASR)
- First Financial Corp (THFF)
- OceanFirst Financial Corp (OCFC)
Competitive Landscape
Shore Bancshares is smaller compared to other larger regional banks. Shore Bancshares focuses on local relationships and customer service. The company differentiates itself through superior relationship banking.
Major Acquisitions
Cornerstone Bancorp
- Year: 2017
- Acquisition Price (USD millions): 25.5
- Strategic Rationale: Expanded market presence in Delaware and added branches.
Severn Bancorp
- Year: 2021
- Acquisition Price (USD millions): 146
- Strategic Rationale: Expanded market presence in Maryland and added branches.
Growth Trajectory and Initiatives
Historical Growth: Shore Bancshares has achieved steady growth through organic expansion and strategic acquisitions, showing an increase in revenue in past years. [5, 6, 7, 8]
Future Projections: Analyst estimates project continued growth in revenue and earnings, driven by loan growth and efficiency improvements. Future EPS growth will increase by approximately 2% annually.
Recent Initiatives: Recent initiatives include investments in digital banking technology, expansion into new markets, and acquisitions of smaller banks.
Summary
Shore Bancshares is a stable community bank with a solid local presence and relationship-based business model. It is showing steady growth and profitability, with opportunities for further expansion through acquisitions and digital banking. However, the bank remains susceptible to economic fluctuations and heightened competition from larger financial institutions. Strong management and a diversified revenue stream are key to long-term success.
Peer Comparison
Sources and Disclaimers
Data Sources:
- Company Website
- SEC Filings
- Analyst Reports
- FDIC Data
Disclaimers:
This analysis is based on available information and is not financial advice. Investment decisions should be based on individual circumstances and consultation with a financial advisor.
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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