Company Deep Dive
Business segments breakdown, earnings transcript analysis, management credibility scoring, competitive landscape, and scenario modelling.
SHBI
BuyPremium GrowerFLAGShore Bancshares, Inc. · Financial Services · United States · $772M · Avg Vol: $4M/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% | 230.2M | 244.7M | 253.6M | 6.1% |
| EPS | 1.57 | 0.42 | 1.32 | 1.78 | 4.3% | 1.97 | 2.17 | 2.27 | 12.9% |
| Shares | 19.8M | 33.2M | 33.3M | 33.4M | +68.3% | 33.4M | — | — | — |
| Debt | 93.0M | 85.5M | 135.6M | 100.1M | 2.5% | 99.5M | — | — | — |
| Equity | 364.3M | 511.1M | 541.1M | 589.9M | 17.4% | — | — | — | — |
| Op CF | 52.6M | 22.7M | 46.9M | 62.4M | 5.8% | 90.1M | — | — | — |
| 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) | $772M | 75 | Buy |
| TCBX | Third Coast Bancshares, Inc. | $752M | 77 | Buy |
| ORRF | Orrstown Financial Services, Inc. | $825M | 76 | Buy |
| WASH | Washington Trust Bancorp, Inc. | $753M | 78 | Buy |
| PFIS | Peoples Financial Services Corp. | $697M | 77 | Buy |
| HIFS | Hingham Institution for Savings | $650M | 74 | Buy |
| ACNB | ACNB Corporation | $656M | 76 | Buy |
| CBNK | Capital Bancorp, Inc. | $595M | 75 | Buy |
| MPB | Mid Penn Bancorp, Inc. | $929M | 73 | Buy |
| BFST | Business First Bancshares, Inc. | $1.0B | 75 | Buy |
Peer medians: ROE 9.5% · P/E 13.1x · Gross margin 100.0%