Shore Bancshares, Inc. logo

Shore Bancshares, Inc.

SHBI

NASDAQFinancial ServicesBanks - Regional

Previous close

$23.34

+$0.20 · +0.86%

Aug 21, 4:00 PM ET

SHBI company overview

Regular session · ET · Market data may be delayed.

GoAI snapshot

AI-powered factor overview

Jul 10, 2026

GoAI score

Buy

Favorable setup — positive multi-factor alignment

Valuation

83

Deep Value

Momentum

61

Gaining

Sentiment

69

Bullish

Risk resilience

73

Moderate Risk

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Company profile

Company website

Shore Bancshares, Inc. operates as a bank holding company for Shore United Bank, N.A. that provides various consumer and commercial banking products and services to individuals, businesses, and other organizations in the United States. The company offers checking, savings, overnight investment sweep, and money market accounts; and regular and IRA certificates of deposit, as well as certificate of deposit account registry service programs and cash management services. It 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, the company offers trust, wealth management, and financial planning services; treasury management services, such as merchant card processing, remote deposit capture, and ACH origination, as well as telephone, mobile, and Internet banking services; safe deposit boxes; debit and credit cards; and automatic teller machine services. Shore Bancshares, Inc. was founded in 1876 and is headquartered in Easton, Maryland.

Industry
Banks - Regional
Sector
Financial Services
Headquarters
US
CEO
James Burke
Listed since
Apr 9, 2001
Employees
602

Market position

Day range

Current $23.34

52-week range

Current $23.34

Open
$23.245
Previous close
$23.14
Volume
238.23K
1.09× average
Average volume
218.5K
Average daily volume
Market cap
780.86M USD
Beta
0.81
Market reference 1
50-day average
$23.2366
+0.44% above average
200-day average
$19.7891
+17.94% above average

Financials

Financial snapshot

Latest / TTM

Valuation & yield

Enterprise value
651.34M USD
P/E (TTM)
11.73×
P/B (TTM)
1.27×
P/S (TTM)
2.26×
EV / EBITDA
8.27×
Earnings yield
10.08%
Free cash flow yield
10.03%
Dividend yield
2.14%

Profitability & efficiency

Gross margin
66.51%
Operating margin
25.31%
Net margin
19.12%
Return on equity
10.09%
Return on assets
0.95%
Return on invested capital
21.09%

Financial health

Debt / equity
0.16×
Current ratio
6.23×

Financial statements

Margin trends

Profitability as a percentage of reported revenue.

Gross marginOperating marginNet margin
Gross, operating, and net margin trends102%67%31%-4%Gross margin, FY2021: 93.21%Gross margin, FY2022: 89.43%Gross margin, FY2023: 53.98%Gross margin, FY2024: 60.33%Gross margin, FY2025: 63.23%Operating margin, FY2021: 25.31%Operating margin, FY2022: 30.78%Operating margin, FY2023: 5.95%Operating margin, FY2024: 17.98%Operating margin, FY2025: 22.95%Net margin, FY2021: 18.37%Net margin, FY2022: 22.77%Net margin, FY2023: 4.71%Net margin, FY2024: 13.44%Net margin, FY2025: 17.36%FY2021FY2022FY2023FY2024FY2025
Gross margin FY2021 93.21%. Gross margin FY2022 89.43%. Gross margin FY2023 53.98%. Gross margin FY2024 60.33%. Gross margin FY2025 63.23%. Operating margin FY2021 25.31%. Operating margin FY2022 30.78%. Operating margin FY2023 5.95%. Operating margin FY2024 17.98%. Operating margin FY2025 22.95%. Net margin FY2021 18.37%. Net margin FY2022 22.77%. Net margin FY2023 4.71%. Net margin FY2024 13.44%. Net margin FY2025 17.36%.

Income trends

Revenue

342.72M USD+4.97%

Operating income

78.66M USD+33.99%

Net income

59.51M USD+35.58%
Income trends across reported periods375.86M USD243.27M USD110.67M USD−21.92M USDRevenue, FY2021: 83.67M USDRevenue, FY2022: 136.93M USDRevenue, FY2023: 238.42M USDRevenue, FY2024: 326.49M USDRevenue, FY2025: 342.72M USDOperating income, FY2021: 21.18M USDOperating income, FY2022: 42.14M USDOperating income, FY2023: 14.18M USDOperating income, FY2024: 58.7M USDOperating income, FY2025: 78.66M USDNet income, FY2021: 15.37M USDNet income, FY2022: 31.18M USDNet income, FY2023: 11.23M USDNet income, FY2024: 43.89M USDNet income, FY2025: 59.51M USDFY2021FY2022FY2023FY2024FY2025
Revenue FY2021 83.67M USD. Revenue FY2022 136.93M USD. Revenue FY2023 238.42M USD. Revenue FY2024 326.49M USD. Revenue FY2025 342.72M USD. Operating income FY2021 21.18M USD. Operating income FY2022 42.14M USD. Operating income FY2023 14.18M USD. Operating income FY2024 58.7M USD. Operating income FY2025 78.66M USD. Net income FY2021 15.37M USD. Net income FY2022 31.18M USD. Net income FY2023 11.23M USD. Net income FY2024 43.89M USD. Net income FY2025 59.51M USD.
Metric (USD)FY2025FY2024FY2023FY2022FY2021
Revenue342.72M USD326.49M USD238.42M USD136.93M USD83.67M USD
Cost of goods sold126.03M USD129.53M USD109.73M USD14.47M USD5.68M USD
Gross profit216.69M USD196.96M USD128.7M USD122.46M USD77.99M USD
Selling, general, and administrative84.62M USD72.55M USD61.64M USD48.1M USD31.72M USD
Operating expenses138.04M USD138.25M USD114.51M USD80.32M USD56.81M USD
Interest income310.03M USD295.34M USD214.08M USD113.85M USD70.17M USD
Interest expense117.65M USD124.79M USD78.77M USD12.54M USD6.04M USD
Depreciation and amortization119K USD16.04M USD10.94M USD5.86M USD3.09M USD
Operating income78.66M USD58.7M USD14.18M USD42.14M USD21.18M USD
Net income59.51M USD43.89M USD11.23M USD31.18M USD15.37M USD

Company facts updated Aug 24, 2026.

Analyst ratings

Third-party consensus; not a GoAI recommendation.

Recent analyst actions

3 institutions
Janney Montgomery ScottdowngradeBuyNeutral

Corporate actions

Corporate action history

Stock split

Effective Jun 6, 2006

3:2

SHBI peers

ETFs holding SHBI

Funds reporting this stock among their holdings, ordered by reported position size.

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