Shore Bancshares Inc (SHBI) Stock Analysis — PE Ratio, PS Ratio, Intrinsic Value & 2030 Price Target
Shore Bancshares Inc stock (SHBI) is currently trading at $18.32. Shore Bancshares Inc PE ratio is 9.97. Shore Bancshares Inc PS ratio (Price-to-Sales) is 2.74. Analyst consensus price target for SHBI is $21.12. WallStSmart rates SHBI as Moderate Buy.
- SHBI PE ratio analysis and historical PE chart
- SHBI PS ratio (Price-to-Sales) history and trend
- SHBI intrinsic value — DCF, Graham Number, EPV models
- SHBI stock price prediction 2025 2026 2027 2028 2029 2030
- SHBI fair value vs current price
- SHBI insider transactions and insider buying
- Is SHBI undervalued or overvalued?
- Shore Bancshares Inc financial analysis — revenue, earnings, cash flow
- SHBI Piotroski F-Score and Altman Z-Score
- SHBI analyst price target and Smart Rating
Shore Bancshares Inc
📊 No data available
Try selecting a different time range
SHBI Intrinsic Value Analysis for Value Investors
Benjamin Graham Formula · Shore Bancshares Inc (SHBI)
SHBI trades at a significant discount to its Graham intrinsic value of $63.08, offering a 69% margin of safety — a level value investors typically seek before buying.
Based on Benjamin Graham Formula. Growth rate capped at 25%. For informational purposes only. Not financial advice.
Smart Analysis
Shore Bancshares Inc (SHBI) · 10 metrics scored
Smart Score
Category Performance
WallStSmart pulls financial metrics like revenue growth, profit margins, and valuation ratios and scores each one from 0 to 10 based on how strong or weak it is. Those 10 scores are grouped into 4 categories: Growth, Profitability, Valuation, and Quality — which form the 4 axes of the spider chart you see. The categories are then combined into a final score out of 100, but not equally. Growth and Profitability together count for 60% of the total, because a fast-growing profitable business matters more than just a cheap one. That final number maps to a rating (Strong Buy, Buy, Hold, Avoid) and a letter grade, giving you one clear Stock Rating.
Investment Thesis
Strong fundamentals in peg ratio, operating margin, price/book. Overall metrics suggest strong investment potential with favorable risk/reward.
Shore Bancshares Inc (SHBI) Key Strengths (5)
Keeps $42 of every $100 in revenue after operating costs
Keeps $28 of every $100 in revenue as net profit
Good growth relative to its price
Trading at 1.01x book value, attractively priced
67.88% held by institutions, strong professional interest
Supporting Valuation Data
Shore Bancshares Inc (SHBI) Areas to Watch (5)
Modest revenue growth at 8.10%
Small-cap company with higher risk but more growth potential
Moderate profitability with room for improvement
Revenue is fairly priced at 2.74x sales
Solid earnings growth at 17.90%
Shore Bancshares Inc (SHBI) Detailed Analysis Report
Overall Assessment
This company scores 70/100 in our Smart Analysis, earning a B grade. Out of 10 metrics analyzed, 5 register as strengths (avg 8.8/10) while 5 fall into concern territory (avg 5.2/10). All four categories (Growth, Profitability, Valuation, and Quality) show healthy scores, indicating broadly sound fundamentals.
The Bull Case
The strongest argument centers on Operating Margin, Profit Margin, PEG Ratio. Valuation metrics including PEG Ratio (1.17), Price/Book (1.01) suggest the stock is attractively priced. Profitability is solid with Operating Margin at 41.60%, Profit Margin at 27.50%.
The Bear Case
The primary concerns are Revenue Growth, Market Cap, Return on Equity. Some valuation metrics including Price/Sales (2.74) suggest expensive pricing. Growth concerns include Revenue Growth at 8.10%, EPS Growth at 17.90%, which may limit upside. Profitability pressure is visible in Return on Equity at 10.50%.
Key Dynamics to Monitor
Three factors to monitor going forward. First, whether Revenue Growth improves, as this is the primary drag on the overall score. Second, margin trajectory, with Return on Equity at 10.50% needing improvement to support the investment thesis. Third, growth sustainability, with Revenue Growth at 8.10% needing to reaccelerate.
Risk Considerations
Based on the metric profile, this is a moderate risk investment. Strengths and concerns are roughly balanced. Investors should size positions according to their risk tolerance and maintain diversification.
Bottom Line
The combination of Operating Margin and Profit Margin makes a compelling case at current levels. The key risk is Revenue Growth, but the overall fundamental picture is positive with a clear path to maintaining or improving the current B grade.
Disclaimer: Smart Analysis is a scoring system developed by WallStSmart Team. Scores update daily using multi-model valuation framework. Always conduct your own research and consult with financial advisors before making investment decisions.
SHBI Price-to-Sales(PS) Ratio Chart
Historical valuation based on market cap ÷ trailing 12-month revenue
SHBI's Price-to-Sales ratio of 2.74x trades at a deep discount to its historical average of 6.82x (7th percentile). The current valuation is 78% below its historical high of 12.7x set in Jan 2007, and 35% above its historical low of 2.03x in Sep 2011.
WallStSmart Analysis Synopsis
Data-driven financial summary for Shore Bancshares Inc (SHBI) · FINANCIAL SERVICES › BANKS - REGIONAL
The Big Picture
Shore Bancshares Inc is a mature, profitable business with steady cash generation. Revenue reached 217M with 8% growth year-over-year. Profit margins are strong at 27.5%, reflecting pricing power and operational efficiency.
Key Findings
Profit margin of 27.5% and operating margin of 41.6% demonstrate strong pricing power and operational efficiency.
Generating 21M in free cash flow and 24M in operating cash flow. Earnings are translating into actual cash generation.
What to Watch Next
Sector dynamics: monitor BANKS - REGIONAL industry trends, competitive moves, and regulatory changes that could impact Shore Bancshares Inc.
Bottom Line
Shore Bancshares Inc is a well-established business delivering consistent profitability with 27.5% margins. The growth phase may be slowing, but strong cash generation and operational efficiency make it suitable for investors seeking reliability over excitement.
This synopsis is generated from publicly available financial data. It is not financial advice. Always conduct your own research and consult a qualified financial advisor before making investment decisions.
Insider Transactions(83 last 3 months)
| Insider | Type | Shares |
|---|---|---|
SLATER, A JOSEPH JR Director | Sell | -1,802 |
| Insider | Type | Shares |
|---|---|---|
ESHAM, WILLIAM E. III Director | Buy | +5,000 |
| Insider | Type | Shares |
|---|---|---|
WAYSON, KONRAD Director | Buy | +1,932 |
Data sourced from SEC Form 4 filings
Last updated: 12:58:59 PM
About Shore Bancshares Inc(SHBI)
NASDAQ
FINANCIAL SERVICES
BANKS - REGIONAL
USA
Shore Bancshares, Inc. is a bank holding company for Shore United Bank offering various commercial and consumer banking products and services to individuals, businesses and other organizations. The company is headquartered in Easton, Maryland.