📊 SHBI Key Takeaways
Is Shore Bancshares Inc. (SHBI) a Good Investment?
Shore Bancshares exhibits critically weak profitability metrics with 2.8% ROE and 0.3% ROA, compounded by interest coverage of only 0.8x, indicating the bank's operating income cannot cover interest expenses. While the balance sheet shows adequate capitalization (9.7% equity ratio) and low debt leverage, underlying asset quality concerns are evident from the poor returns on capital, suggesting potential loan portfolio deterioration or operational inefficiencies.
Shore Bancshares Inc. Key Strengths (SHBI)
- Strong balance sheet with $6.2B in assets and $602.7M stockholders equity providing capital cushion
- Low debt leverage with 0.15x debt-to-equity ratio indicating conservative capital structure
- Positive free cash flow generation of $30.5M demonstrates ongoing liquidity
SHBI Stock Risks: Shore Bancshares Inc. Investment Risks
- Interest coverage ratio of 0.8x is critically low—operating income cannot cover interest expenses, signaling potential financial stress
- Profitability metrics critically weak: 2.8% ROE and 0.3% ROA suggest significant asset quality issues or operational problems
- Revenue data shows severe anomalies (93.3% YoY decline, impossible margin percentages) indicating data reliability concerns that obscure true operational performance
Key Metrics to Watch
- Interest coverage ratio trending above 1.5x (critical near-term indicator)
- Return on equity improving toward 8%+ (industry benchmark)
- Net interest margin and loan loss provisions (to assess asset quality)
Shore Bancshares Inc. (SHBI) Financial Metrics & Key Ratios
💡 AI Analyst Insight
The 565.7% free cash flow margin provides substantial flexibility for dividends, buybacks, and strategic investments. The current ratio below 1.0x warrants monitoring of short-term liquidity.
SHBI Profit Margin, ROE & Profitability Analysis
SHBI vs Finance Sector: How Shore Bancshares Inc. Compares
How Shore Bancshares Inc. compares to Finance sector averages
Sector benchmarks are approximate industry averages. Actual sector performance may vary.
Is Shore Bancshares Inc. Stock Overvalued? SHBI Valuation Analysis 2026
Based on fundamental analysis, Shore Bancshares Inc. has mixed fundamental signals relative to the Finance sector in 2026.
Note: This is a fundamental analysis based on SEC filings. For P/E ratio, price targets, and market-based valuation, consult financial data providers. This is not investment advice.
Shore Bancshares Inc. Balance Sheet: SHBI Debt, Cash & Liquidity
SHBI Revenue & Earnings Growth: 5-Year Financial Trend
5-Year Trend Summary: Shore Bancshares Inc.'s revenue has grown significantly by 14% over the 5-year period, indicating strong business expansion. The most recent EPS of $0.42 reflects profitable operations.
SHBI Revenue Growth, EPS Growth & YoY Performance
SHBI Quarterly Earnings & Performance
| Quarter | Revenue | Net Income | EPS |
|---|---|---|---|
| Q1 2026 | $4.8M | $13.8M | $0.41 |
| Q3 2025 | $4.7M | $8.2M | $0.34 |
| Q2 2025 | $5.3M | $8.2M | $0.34 |
| Q1 2025 | $4.6M | $8.2M | $0.25 |
| Q3 2024 | $4.7M | $738.0K | $0.03 |
| Q2 2024 | $3.7M | $4.0M | $0.20 |
| Q1 2024 | $3.8M | $6.5M | $0.25 |
| Q3 2023 | $4.1M | $4.0M | $0.17 |
Data sourced from SEC EDGAR 10-Q quarterly filings. Figures may represent quarterly or cumulative values.
Shore Bancshares Inc. Dividends, Buybacks & Capital Allocation
SHBI SEC Filings: Latest 10-K & 10-Q Analysis
Access official SEC EDGAR filings for Shore Bancshares Inc. (CIK: 0001035092)
📋 Recent SEC Filings
| Date | Form | Document | Action |
|---|---|---|---|
| May 26, 2026 | 4 | xslF345X06/wk-form4_1779830456.xml | View → |
| May 26, 2026 | 4 | xslF345X06/wk-form4_1779830430.xml | View → |
| May 26, 2026 | 4 | xslF345X06/wk-form4_1779830411.xml | View → |
| May 26, 2026 | 4 | xslF345X06/wk-form4_1779830394.xml | View → |
| May 26, 2026 | 4 | xslF345X06/wk-form4_1779830377.xml | View → |
❓ Frequently Asked Questions about SHBI
What is the AI rating for SHBI?
Shore Bancshares Inc. (SHBI) has an AI grade of C with 55% confidence, based on fundamental analysis of SEC EDGAR filings.
What are SHBI's key strengths?
Claude: Strong balance sheet with $6.2B in assets and $602.7M stockholders equity providing capital cushion. Low debt leverage with 0.15x debt-to-equity ratio indicating conservative capital structure.
What are the risks of investing in SHBI?
Claude: Interest coverage ratio of 0.8x is critically low—operating income cannot cover interest expenses, signaling potential financial stress. Profitability metrics critically weak: 2.8% ROE and 0.3% ROA suggest significant asset quality issues or operational problems.
What is SHBI's revenue and growth?
Shore Bancshares Inc. reported revenue of $5.4M.
Does SHBI pay dividends?
Shore Bancshares Inc. pays dividends, with $4.0M distributed to shareholders in the trailing twelve months.
Where can I find SHBI SEC filings?
Official SEC filings for Shore Bancshares Inc. (CIK: 0001035092) including 10-K, 10-Q, and 8-K reports are available on SEC EDGAR.
What is SHBI's EPS?
Shore Bancshares Inc. has a diluted EPS of $0.51.
How is the AI analysis conducted?
Two independent AI systems — Claude (Anthropic) and ChatGPT (OpenAI) — analyze SEC EDGAR filings including 10-K annual reports and 10-Q quarterly reports. Each AI evaluates financial health, profitability ratios, balance sheet strength, and growth metrics. The combined grade reflects both perspectives for balanced insights.
What is SHBI's fundamental grade?
Based on our AI fundamental analysis in June 2026, Shore Bancshares Inc. has a C grade with 55% confidence. Review the strengths and risks sections above for full context. This is not investment advice.
Is SHBI stock overvalued or undervalued?
Valuation metrics for SHBI: ROE of 2.8% (sector avg: 12%), net margin of 317.1% (sector avg: 25%). Compare these metrics with sector averages to assess valuation.
What is SHBI's AI grade for 2026?
Our dual AI analysis gives Shore Bancshares Inc. a combined C grade for 2026. Revenue is data pending, with profitability above sector average. Always conduct your own research.
What is SHBI's free cash flow?
Shore Bancshares Inc.'s operating cash flow is $31.6M, with capital expenditures of $1.1M. FCF margin is 565.7%.
How does SHBI compare to other Finance stocks?
Vs Finance sector averages: Net margin 317.1% (avg: 25%), ROE 2.8% (avg: 12%), current ratio N/A (avg: 1.2).