Zacks Investment Research·Jun 18, 2026
Shore Bancshares (SHBI) Is Up 8.67% in One Week: What You Should KnowDoes Shore Bancshares (SHBI) have what it takes to be a top stock pick for momentum investors? Let's find out.
Shore Bancshares, Inc.(SHBI)Earnings, Financials & Key Ratios
SHBI•NASDAQ•Banking & Credit
$22.60
12.7× P/E·Price updated Jul 7, 2026
AboutShore Bancshares, Inc. operates as a bank holding company for the Shore United Bank that provides various commercial and consumer banking products and services to individuals, businesses, and other organizations. It offers checking, savings, overnight investment sweep, and money market accounts; and regular and IRA certificates of deposit, as well as CDARS programs and cash management services. The company 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, it offers non-deposit products, such as mutual funds and annuities, and discount brokerage services; and trust, asset management, and financial planning services. Further, the company provides merchant credit card clearing, as well as telephone, mobile, and Internet banking services; safe deposit boxes; debit and credit cards; direct deposit of payroll; and automatic teller machine (ATM) services. It operates 29 full service branches, 30 ATMs, and 5 loan production offices in Baltimore City, Baltimore County, Howard County, Kent County, Queen Anne's County, Caroline County, Talbot County, Dorchester County, Anne Arundel County, and Worcester County in Maryland; Kent County, Delaware; and Accomack County, Virginia. The company was founded in 1876 and is headquartered in Easton, Maryland.Show more
- Net Interest Income$192M+12.8%
- Total Revenue$343M+5.0%
- Net Income$60M+35.6%
- Return on Equity10.52%+26.1%
- Net Interest Margin3.07%+12.3%
- Efficiency Ratio40.28%-4.9%
- ROA0.95%+32.9%
- Equity / Assets9.42%+8.5%
- Book Value per Share17.66+8.8%
SHBI Price & Volume
Shore Bancshares, Inc. (SHBI) stock price & volume — 10-year historical chart
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Post-Merger Scale Drives Consistent Interest Income Growth
Investment Thesis • Updated 2026Q1
VerdictNeutral: While the bank shows improving operational leverage with an efficiency ratio of 43.3%
Growth:Accelerating
Profitability:Moderate
Financial:Healthy
Cash Flow:Stable
Primary Risk:CRE concentration and integration
Key Thesis Takeaways
- Shore Bancshares is successfully leveraging its TCFC integration to drive core NII growth, which reached $52.6 million in 2026Q1, a 14.2% year-over-year increase.
- While operational efficiency has improved with the efficiency ratio tightening to 43.3%, investors should monitor the volatility in provision expenses, which dropped to $85,000 in 2026Q1 from $3.0 million in 2025Q3.
- The bank's heavy reliance on a $5.8 billion securities portfolio warrants caution regarding interest rate sensitivity and potential valuation adjustments.
Verdict Logic
the 1.87 PEG ratio and sensitivity to credit provisioning volatility suggest a cautious entry point at the current $23.29 share price.
SHBI Growth Metrics
Shore Bancshares, Inc. (SHBI) revenue, earnings & EPS growth — 3, 5 & 10-year CAGR
Revenue CAGR
10 Years20.37%
5 Years37.23%
3 Years35.77%
TTM-
Profit CAGR
10 Years23.67%
5 Years30.49%
3 Years24.04%
TTM27.01%
EPS CAGR
10 Years12.26%
5 Years6.99%
3 Years4.27%
TTM26.17%
Return on Capital
10 Years8.3%
5 Years6.05%
3 Years4.6%
Last Year2.26%
SHBI Recent Earnings
Shore Bancshares, Inc. (SHBI) EPS & revenue vs analyst estimates — last 4 quarters
●Beat EPS 9/12 qtrs (90%)●Beat Revenue 7/12 qtrs (78%)
Q2 2026Latest
Apr 23, 2026Metric
Actual
Est
EPS
$0.55+22.2%
$0.45
Rev
$60M+2.5%
$58M
Q1 2026
Jan 28, 2026Metric
Actual
Est
EPS
$0.53+8.2%
$0.49
Rev
$59M+2.2%
$58M
Q4 2025
Oct 23, 2025Metric
Actual
Est
EPS
$0.48+6.7%
$0.45
Rev
$56M-2.2%
$58M
Q3 2025
Jul 24, 2025Metric
Actual
Est
EPS
$0.51+24.4%
$0.41
Rev
$57M+1.6%
$56M
| Quarter | Date | EPS (Act vs Est) | Revenue (Act vs Est) |
|---|---|---|---|
| Q2 2026Latest | Apr 23, 2026 | $0.55vs $0.45+22.2% | $60Mvs $58M+2.5% |
| Q1 2026 | Jan 28, 2026 | $0.53vs $0.49+8.2% | $59Mvs $58M+2.2% |
| Q4 2025 | Oct 23, 2025 | $0.48vs $0.45+6.7% | $56Mvs $58M-2.2% |
| Q3 2025 | Jul 24, 2025 | $0.51vs $0.41+24.4% | $57Mvs $56M+1.6% |
Based on last 12 quarters of dataView full earnings history →
Latest SHBI News
Recent stock market news and headlines for Shore Bancshares, Inc. (SHBI)
Peers Comparison
Key metrics vs top competitors for Shore Bancshares, Inc. (SHBI)
| Company | Price | Market Cap | P/E Ratio | Rev Growth (1Y) | Net Margin | ROE | Div Yield |
|---|---|---|---|---|---|---|---|
| $22.60 | $756.1M | 12.70 | 4.97% | 17.36% | 10.52% | 2.13% | |
| $49.63 | $2.58B | 14.90 | 10.36% | 19.66% | 9.83% | — | |
| $43.96 | $283.4M | 11.66 | 6.6% | 20.89% | 12.7% | — | |
| $23.29 | $224.61M | 15.95 | -9.41% | 16.49% | 8% | — | |
| $74.33 | $358.26M | 23.75 | -6.46% | 12.83% | 7.33% | — | |
| $57.40 | $457.66M | 12.90 | 6.13% | 18.69% | 13.31% | — |
Compare SHBI vs Peers
Shore Bancshares, Inc. (SHBI) vs competitors — business, growth, and fundamentals comparison against the closest industry rivals.
SHBI SEC Filings & Documents
Shore Bancshares, Inc. (SHBI) SEC filings — annual & quarterly reports (10-K, 10-Q)
8-K Announcements
6Material company update
Jun 16, 2026·SEC
Material company update
May 22, 2026·SEC
Material company update
May 20, 2026·SEC
10-K Annual Reports
210-Q Quarterly Reports
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SHBI Frequently Asked Questions
Shore Bancshares, Inc. (SHBI) stock FAQ — growth, dividends, profitability & financials explained
Growth & Financials
How fast is Shore Bancshares, Inc. growing?
Shore Bancshares, Inc. (SHBI) grew revenue by 5.0% over the past year. Growth has been modest.
Is SHBI profitable?
Yes, Shore Bancshares, Inc. (SHBI) is profitable, generating $62.8M in net income for fiscal year 2025 (17.4% net margin).
Dividend & Returns
Does SHBI pay dividends?
Yes, Shore Bancshares, Inc. (SHBI) pays a dividend with a yield of 2.13%. This makes it attractive for income-focused investors.
What is SHBI's return on equity?
Shore Bancshares, Inc. (SHBI) has a return on equity (ROE) of 10.5%. This is reasonable for most industries.
Industry Metrics
What is Shore Bancshares, Inc.'s net interest margin?
Shore Bancshares, Inc. (SHBI) has a net interest margin (NIM) of 3.1%. This indicates healthy earnings from lending activities.
What is Shore Bancshares, Inc.'s efficiency ratio?
Shore Bancshares, Inc. (SHBI) has an efficiency ratio of 40.3%. This is excellent, indicating strong cost control.