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← CockpitCompetitor Analysis › SHBI Shore Bancshares, Inc.Open in the cockpit ↗

Shore Bancshares, Inc.SHBICompetitor analysis, valuation and peers

United States · USD·Financials›Regional Banks
Momentum strong 61
Mkt cap
$746M
US dollars, full cap
Free float
91%
of shares outstanding
$/day
$5.87M
20-day average traded
P/B
1.21×
price to book
ROE
11.5%
delivered
Implied ROE
10.2%
what the price asks
Next earnings
89 days
3 Feb 2027
Close · USD$22.45
1D+0.2%
1W+0.3%
1M-0.6%
3M-4.9%
6M+13.8%
YTD+27.0%
1Y+38.6%
ATR %2.9%
Beta0.51
52w lowhigh9.8% off high

What Shore Bancshares does

Employees: 608

Shore Bancshares at a glance

Size Shore Bancshares (SHBI) is a United States Financials company (Regional Banks) with a market value of $746M, the 2439th largest of 3,117 United States companies the cockpit tracks. Shares closed at $22.45 on 6 Nov 2026.

Performance Over six months the shares gained 13.8%, against +8.2% for the median peer and -1.1% for the United States market (cap-weighted) — 8th highest of 21 in its peer set.

Growth Revenue grew 2.8% over the last twelve months (peer median +10.2%); the operating margin is 36.4% (peer median 35.4%).

Valuation It trades at 1.21× book value against a peer median of 1.19× (10th most expensive of 21).

Price implies The share price implies a return on equity of about 10.2%; Shore Bancshares delivers 11.5%, so the price asks less than the business earns today.

Short interest Short interest is 3.1% of the free float (15 Oct 2026).

Next results Next results expected around 3 Feb 2027 (exchange calendar; dates can move).

Relative performance

10011012011 May 202611 Aug 20266 Nov 2026SHBI 116Peer median 111
Six months, rebased to 100: Shore Bancshares against the median of its 20 peers (local-currency closes).

Shore Bancshares financials

Reported figures in USD; fiscal year ends 2025-12-31. TTM = trailing twelve months.
TTMFY2025FY2024FY2023FY2022
Revenue$348M$343M$326M$238M$137M
Revenue growth—+5%+37%+74%—
Net income$68.6M$59.5M$43.9M$11.2M$31.2M
Free cash flow$75.3M$72.7M$53.1M-$105M$50.2M
Capital expenditure$4.11M$3.49M$5.43M$6.20M$12.6M
Total debt$99.1M$100M$136M$85.2M$93.0M

Quarterly statements and history in the cockpit →

Shore Bancshares competitor charts

The default views of Competitor Analysis ▸ Charts, drawn from the same data. Open them in the cockpit to change the axes, pin companies and read every value.

Performance: 6-month against 1-month return

-25%0%+25%+50%-20%-10%0%HTB2558VBNKRINGWASH834485418343FISIAGBKCWBCCBGBHBPGCSHBI6-month return →1-month return →
Up and to the right = strong over both horizons. Shore Bancshares is the large dot.

Fundamentals: return on equity against price-to-book

0%10%20%30%0.50×10×1.50×HTB2558VBNKRING834485418343PFISFISI1983CWBCCBGSPFIBCALDCBBANKPGCSHBIReturn on equity →Price / book →
A bank or insurer earning more on its equity usually trades at a higher multiple of book; points far above the trend are priced for more. Shore Bancshares is the large dot.

Capital: ROE delivered against the ROE the price implies

-5%0%5%10%15%0%10%HTB2558VBNKRINGWASH83441983CWBCCBGBCALDCBBANKPGCSHBIROE delivered →ROE the price implies →
Above the diagonal = the price asks for a higher return on equity than the business earns today. Shore Bancshares is the large dot.

Shore Bancshares competitors and peer comparison

How Shore Bancshares compares with its peers

Peer set: Industry: the same industry and sector in any market, nearest in size. This is the same default set the interactive Competitor Analysis opens with.

Shore Bancshares against its 20 peers (data as of 6 Nov 2026)
MeasureSHBIPeer medianRank in peer set
1-month return-0.6%+1.1%7th lowest of 21
6-month return+13.8%+8.2%8th highest of 21
Return on equity11.5%10.7%9th highest of 20
Price / book1.21×1.19×10th most expensive of 21
Trailing P/E10.9×11.9×7th cheapest of 19
ROE the price implies10.2%9.1%8th most demanding of 20
ROE delivered11.5%10.7%9th highest of 20

Peer table

Peer set: Industry: the same industry and sector in any market, nearest in size
CompanyMarketMarket cap6M returnRevenue growthROEPrice / bookImplied ROEDelivered ROE
Shore Bancshares SHBIUnited States$746M+14%+3%11%1.21×10.2%11.5%
HomeTrust Bancshares HTBUnited States$743M+2%-3%11%1.30×10.6%11.3%
Jinshang Bank 2558.HKHong Kong$741M-31%-5%6%0.18×3.5%6.1%
VersaBank VBNK.TOCanada$752M+27%+14%6%1.86×13.6%6.2%
SpareBank 1 Ringerike Hadeland RING.OLNorway$752M+2%-4%13%1.40×6.9%13.0%
Washington Trust Bancorp WASHUnited States$737M+19%+30%12%1.39×10.6%12.0%
Yamagata Bank 8344.TJapan$736M+49%+25%5%0.75×5.3%5.1%
Ehime Bank 8541.TJapan$733M+66%+8%5%0.80×5.2%5.1%
Akita Bank 8343.TJapan$731M+107%+29%5%0.61×5.3%5.0%
Peoples Financial Services PFISUnited States$723M+22%+4%12%1.37×10.7%11.7%
Financial Institutions FISIUnited States$776M+12%+42%30%1.29×n/a30.0%
AGI AGBKUnited States$777M-31%n/an/a0.84×11.3%n/a
Luzhou Bank 1983.HKHong Kong$790M-5%+6%14%0.45×4.0%14.0%
Community West Bancshares CWBCUnited States$705M+8%+23%7%1.17×10.1%6.7%
Close Brothers CBG.LUnited Kingdom$791M-10%-12%-6%0.40×8.8%-5.9%
South Plains Financial SPFIUnited States$800M+4%+10%13%1.28×8.4%12.6%
California BanCorp BCALUnited States$696M+13%-4%10%1.20×7.5%10.2%
Independent Bank IBCPUnited States$802M+5%+3%14%1.39×10.6%13.5%
DCB Bank DCBBANK.NSIndia$688M+8%+10%13%0.94×16.4%13.0%
Bar Harbor Bankshares BHBUnited States$688M+17%+16%11%1.28×9.3%10.7%
Peapack-Gladstone Financial PGCUnited States$814M+7%+11%9%1.10×9.1%8.9%

Questions

Which companies are Shore Bancshares's closest peers?
The cockpit's peer set: HomeTrust Bancshares (HTB), Jinshang Bank (2558.HK), VersaBank (VBNK.TO), SpareBank 1 Ringerike Hadeland (RING.OL), Washington Trust Bancorp (WASH), Yamagata Bank (8344.T), Ehime Bank (8541.T), Akita Bank (8343.T).
Is Shore Bancshares expensive compared with its peers?
On price / book it trades at 1.21× against a peer median of 1.19×, 10th most expensive of 21 in its peer set. The share price implies a return on equity of about 10.2%; Shore Bancshares delivers 11.5%, so the price asks less than the business earns today.
How has Shore Bancshares stock performed?
Over six months to 6 Nov 2026 the shares returned +13.8% against +8.2% for the median peer; over one year +38.6%.

How these numbers are made. Returns are close-to-close in local currency. Revenue growth and margins are trailing twelve months. Req g is the revenue growth that today's enterprise value requires for seven years at the company's own cost of capital; Delivered g is what it actually grew; the gap is the hurdle (honest precision about ±8 points, so read the ranking more than the decimal). No fair values, price targets or analyst ratings are shown, by design. Method and validation.