Company Deep Dive
Business segments breakdown, earnings transcript analysis, management credibility scoring, competitive landscape, and scenario modelling.
SHBI
STRONG BUYFLAGShore Bancshares, Inc. · Financial Services · United States · $790M · Avg Vol: $6M/d
Shore Bancshares has strong momentum at M76 but value at V48 is below the calibrated floor and quality Q57 is modest, so stage one fails, and the insider buying rounds to 0.00% and is unusable.
COMPANY DESCRIPTION
Shore Bancshares, Inc. operates as a bank holding company, offering commercial and retail banking services through its subsidiary, Shore United Bank, across the Mid-Atlantic region of the U.S. The company benefits from a community bank model, fostering deep local market knowledge and strong customer relationships among small businesses and individuals. Shore Bancshares is a regional niche player, focused on organic growth and tailored financial services within its operational footprint.
FINANCIAL SUMMARY (USD)
| Year | 2022 | 2023 | 2024 | 2025 | CAGR | TTM | 2026E | 2027E | Fwd CAGR |
|---|---|---|---|---|---|---|---|---|---|
| Revenue | 124.4M | 159.7M | 201.7M | 225.1M | 21.9% | 224.4M | 244.4M | 255.0M | 6.4% |
| EPS | 1.57 | 0.42 | 1.32 | 1.78 | 4.3% | 1.87 | 2.14 | 2.25 | 12.5% |
| Shares | 19.8M | 33.2M | 33.3M | 33.4M | +68.3% | 33.5M | — | — | — |
| Debt | 93.0M | 85.5M | 135.6M | 100.1M | 2.5% | 99.7M | — | — | — |
| Equity | 364.3M | 511.1M | 541.1M | 589.9M | 17.4% | — | — | — | — |
| Op CF | 52.6M | 22.7M | 46.9M | 62.4M | 5.8% | 74.2M | — | — | — |
| Inv CF | -581.6M | 172.3M | -134.5M | -118.3M | — | — | — | — | — |
| Fin CF | 0.8M | 121.9M | 175.1M | -48.4M | — | — | — | — | — |
SCORE BREAKDOWN
FUNDAMENTALS
SECTOR PEERS
Closest peers in Financial Services, ranked by industry match, size, and score similarity. Cross-listings of SHBI are excluded.
| Ticker | Company | Mkt Cap | StockRank | Signal |
|---|---|---|---|---|
| SHBI | Shore Bancshares, Inc.(you) | $790M | 86 | STRONG BUY |
| ORRF | Orrstown Financial Services, Inc. | $836M | 84 | STRONG BUY |
| PFIS | Peoples Financial Services Corp. | $695M | 85 | STRONG BUY |
| FISI | Financial Institutions, Inc. | $800M | 91 | STRONG BUY |
| FMNB | Farmers National Banc Corp. | $899M | 84 | STRONG BUY |
| THFF | First Financial Corporation | $922M | 82 | STRONG BUY |
| BFST | Business First Bancshares, Inc. | $1.0B | 84 | STRONG BUY |
| CIVB | Civista Bancshares, Inc. | $594M | 83 | STRONG BUY |
| ACNB | ACNB Corporation | $634M | 82 | STRONG BUY |
| WASH | Washington Trust Bancorp, Inc. | $732M | 79 | BUY |
Peer medians: ROE 9.4% · P/E 13.9x · Gross margin 100.0%