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    S

    Shore Bancshares Inc (SHBI)

    Official site

    FINANCIAL SERVICES • BANKS - REGIONAL • NASDAQ

    $22.47
    -0.01 (-0.04%)

    Market Cap: $744.87M

    Last updated: Oct 16, 2026 at 1:55 PM ET

    Earnings

    Performance (10Y)

    Beat Rate
    59%(23/39)
    Avg Surprise
    +6.13%
    Streak
    3 Q

    Upcoming Estimates

    Period ending Sep 30, 2026
    EPS Consensus$0.54
    Range$0.53 - $0.55
    5 analysts
    EPS Revisions
    2
    0
    7d
    3
    0
    30d
    EPS Estimate DriftChange to current
    90d ago$0.53+1.1%
    60d ago$0.54-0.3%
    30d ago$0.54-0.3%
    7d ago$0.540.0%
    Current$0.54
    Revenue Consensus
    $61M
    Range$61M - $61M
    3 analysts
    Period ending Dec 31, 2026
    EPS Consensus$0.68
    Range$0.65 - $0.69
    5 analysts
    Revenue Consensus
    $66M
    Range$65M - $66M
    3 analysts
    PeriodReportedEst.SurpriseB/MYoY
    Dec 26EST
    		-$0.68---
    Sep 26EST
    		-$0.54---
    Jun 26
    Reported Jul 23
    		$0.60$0.50+20.00%Beat+30.4%
    Mar 26
    Reported Apr 23
    		$0.51$0.45+13.33%Beat+24.4%
    Dec 25
    Reported Jan 28
    		$0.48$0.47+2.13%Beat+20.0%
    Sep 25
    Reported Oct 23
    		$0.43$0.45-4.44%Miss+26.5%
    Jun 25
    Reported Jul 24
    		$0.46$0.41+12.20%Beat+35.3%
    Mar 25
    Reported Apr 29
    		$0.41$0.35+17.14%Beat+64.0%
    Dec 24
    Reported Mar 10
    		$0.40$0.36+11.11%Beat+21.2%
    Sep 24
    Reported Oct 24
    		$0.34$0.36-5.56%Miss+240.0%
    Jun 24
    Reported Jul 25
    		$0.34$0.33+3.03%Beat+70.0%
    Mar 24
    Reported May 2
    		$0.25$0.32-21.88%Miss-21.9%
    Dec 23
    Reported Jan 31
    		$0.33$0.37-10.81%Miss-21.4%
    Sep 23
    Reported Nov 1
    		$0.10N/A-70.59%Miss-79.6%
    Jun 23
    Reported Jul 27
    		$0.20$0.31-35.48%Miss-48.7%
    Mar 23
    Reported Apr 27
    		$0.32$0.38-15.79%Miss+3.2%
    Dec 22
    Reported Mar 30
    		$0.42$0.49-14.29%Miss-17.6%
    Sep 22
    Reported Oct 27
    		$0.49$0.46+6.52%Beat+25.6%
    Jun 22
    Reported Jul 28
    		$0.39$0.42-7.14%Miss+14.7%
    Mar 22
    Reported Apr 28
    		$0.31$0.34-8.82%Miss-8.8%
    Dec 21
    Reported Mar 31
    		$0.51$0.37+37.84%Beat+59.4%
    Sep 21
    Reported Oct 28
    		$0.39$0.28+39.29%Beat+44.4%
    Jun 21
    Reported Jul 29
    		$0.34$0.35-2.86%Miss-20.9%
    Mar 21
    Reported Apr 29
    		$0.34$0.33+3.03%Beat+36.0%
    Dec 20
    Reported Mar 26
    		$0.32$0.24+33.33%Beat+0.0%
    Sep 20
    Reported Oct 22
    		$0.27$0.19+42.11%Beat-18.2%
    Jun 20
    Reported Jul 23
    		$0.43$0.14+207.14%Beat+30.3%
    Mar 20
    Reported Apr 30
    		$0.25$0.22+13.64%Beat-16.7%
    Dec 19
    Reported Mar 13
    		$0.32$0.32+0.00%Beat+3.2%
    Sep 19
    Reported Oct 24
    		$0.33$0.33+0.00%Beat-5.7%
    Jun 19
    Reported Jul 25
    		$0.33$0.32+3.13%Beat-2.9%
    Mar 19
    Reported Apr 25
    		$0.30$0.29+3.45%Beat-6.3%
    Dec 18
    Reported Mar 15
    		$0.31$0.35-11.43%Miss+14.8%
    Sep 18
    Reported Oct 18
    		$0.35$0.36-2.78%Miss+29.6%
    Jun 18
    Reported Jul 26
    		$0.34$0.34+0.00%Beat+78.9%
    Mar 18
    Reported Apr 19
    		$0.32$0.35-8.57%Miss+45.5%
    Dec 17
    Reported Mar 16
    		$0.27$0.27+0.00%Beat+35.0%
    Sep 17
    Reported Oct 19
    		$0.27$0.26+3.85%Beat-
    Jun 17
    Reported Jul 20
    		$0.19$0.22-13.64%Miss-
    Mar 17
    Reported Apr 20
    		$0.22$0.23-4.35%Miss-
    Dec 16
    Reported Mar 16
    		$0.20$0.19+5.26%Beat-

    Dividends

    Dividend Metrics

    Forward Yield2.49%
    Forward Annual Dividend$0.56
    Payout Ratio26.22%
    FrequencyQuarterly
    Pay MonthsMar, Jun, Sep, Nov

    Growth

    3Y CAGR+0.00%
    5Y CAGR+0.00%
    SHBI dividend history and ex-dividend datesRun SHBI in the free DRIP calculator

    Key Metrics

    Valuation
    P/E Ratio11.12EV/EBITDA8.70x
    Price/FCF8.60xFCF Yield11.63%
    Profitability
    Profit Margin28.70%Operating Margin46.50%
    ROE11.20%ROIC9.39%
    Financial Health
    Debt/Equity0.14xInterest Coverage0.81x
    Current RatioN/AQuick RatioN/A
    Trading Statistics
    Beta0.82Avg Volume218.62K
    52-Week High$24.7452-Week Low$14.53

    Technical Indicators Dashboard

    Moving Averages

    SMA 10$22.58
    SMA 20$22.78
    SMA 50$23.15
    SMA 200$20.66
    EMA 10$22.58
    EMA 20$22.74
    EMA 50$22.86
    EMA 200$20.86

    MACD

    Line: -0.19Signal: -0.17Hist: -0.03

    ADX

    ADX: 38.0+DI: 11.4-DI: 27.9

    Aroon & PSAR

    Aroon Up20.0
    Aroon Down68.0
    PSAR$22.13

    Bollinger Bands

    Upper Band$23.39
    Lower Band$22.17
    %B Position532%(Upper)
    Band Width0.24

    RSI (14-Day)

    Neutral
    42.7

    Momentum Oscillators

    Stoch %K33.6
    Stoch %D32.2
    Williams %R-59.7
    ROC (10d)-0.0%
    Momentum-0.01
    CCI (20d)-76.0
    MFI (14d)49.6

    Volatility Measures

    ATR (14d)$0.45(2.0%)
    StdDev (20d)0.30
    Hist Vol14.3%(Low)

    Volume Flow

    VWAP$22.49
    OBV9.8M
    AD Line-89.8M
    CMF (20d)-0.077

    Volume Metrics

    Avg Vol (20d)223.6K
    Vol Ratio0.8x
    VWMA (20d)$22.80

    Pivot Points

    R3$23.22
    R2$22.95
    R1$22.71
    Pivot Point$22.45
    S1$22.21
    S2$21.94
    S3$21.71

    Advanced Oscillators

    TSI-14.71
    Ultimate Osc42.1
    KST-27.38

    Financial Data

    QuarterJun 2026Mar 2026Dec 2025Sep 2025Jun 2025Mar 2025Dec 2024Sep 2024Jun 2024Mar 2024Dec 2023Sep 2023
    Total Revenue$61.75M$59.80M$59.11M$56.36M$56.57M$53.03M$52.86M$50.55M$50.58M$47.70M$49.07M$60.61M
    Cost of RevenueN/A$25.92M$32.54M$31.52M$30.90M$31.06M$33.17M$32.90M$33.05M$30.41M$30.51M$53.80M
    Gross ProfitN/A$59.71M$56.28M$53.36M$55.04M$52.00M$52.08M$49.08M$48.50M$47.30M$48.17M$23.61M
    Operating Expenses$35.67M$37.06M$35.50M$34.38M$34.41M$33.75M$33.94M$34.11M$33.50M$36.70M$33.67M$47.16M
    R&D$0$0$0$0$0$0$0$0$0$0$0$0
    SG&A$0$0$0$0$0$0$0$0$0$0$0$0
    Operating IncomeN/A$22.66M$20.78M$18.98M$20.63M$18.26M$18.14M$14.97M$15.00M$10.60M$11.15M$-14,728,000
    Interest Income$77.45M$78.39M$80.16M$77.19M$76.53M$75.93M$76.40M$74.69M$73.11M$71.14M$71.14M$71.25M
    Interest Expense$24.53M$25.84M$29.72M$28.53M$29.37M$30.03M$32.39M$31.43M$30.97M$30.00M$29.61M$25.63M
    Income Before Tax$25.18M$22.66M$20.78M$18.98M$20.63M$18.26M$18.14M$14.97M$15.00M$10.60M$14.51M$-14,728,000
    Income Tax Expense$6.32M$5.57M$4.89M$4.64M$5.12M$4.49M$4.86M$3.78M$3.77M$2.41M$4.02M$-4,991,000
    Net Income$18.86M$17.09M$15.89M$14.35M$15.51M$13.76M$13.28M$11.19M$11.23M$8.18M$10.49M$-9,737,000
    EBITDA$29.01M$26.24M$12.36M$22.65M$18.54M$22.40M$22.25M$18.84M$18.46M$14.77M$18.74M$-10,530,000
    EBIT$25.18M$22.66M$20.78M$18.98M$20.63M$18.26M$18.14M$14.97M$15.00M$10.60M$14.51M$-14,728,000
    * Some calculated fields are derived from available data when not provided by source

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    News

    Shore Bancshares (SHBI) Projected to Post Quarterly Earnings on Thursday

    Shore Bancshares (SHBI) is anticipated to release its Q3 2026 earnings after market close on Thursday, October 22nd...

    MarketBeat•10/15/26•Neutral

    (SHBI) Movement Within Algorithmic Entry Frameworks

    This article analyzes Shore Bancshares Inc (NASDAQ: SHBI) using AI models, identifying neutral near and mid-term readings but a positive long-term bias. It highlights an exceptional risk-reward setup and outlines three...

    Stock Traders Daily•10/14/26•Neutral

    Shore Bancshares Inc (NASDAQ:SHBI) Stock Now Rated "Moderate Buy" by Sell-Side Analysts

    Shore Bancshares Inc (NASDAQ:SHBI) has received a "Moderate Buy" consensus rating from sell-side analysts, with an average 12-month price target of $25.75. The company recently surpassed quarterly earnings expectations...

    MarketBeat•10/10/26•Bullish

    How (SHBI) Movements Inform Risk Allocation Models

    This article analyzes Shore Bancshares Inc (NASDAQ: SHBI) using AI models to inform risk allocation. Key findings suggest choppy conditions with divergent sentiment across horizons. The report outlines exceptional...

    Stock Traders Daily•10/3/26•Neutral

    Form 8K Shore Bancshares Inc For: 1 October By Investing.com

    This article announces that Shore Bancshares Inc. filed a Form 8K on October 1st. It provides no further details about the content of the filing but includes general market data and related news headlines from...

    Investing.com Nigeria•10/2/26•Neutral

    SHBI Valuation and Fair Value

    P/E
    11.1x
    Forward P/E
    10.1x
    EV/EBITDA
    8.7x
    P/FCF
    8.6x
    PEG
    1.2x
    P/B
    1.2x
    See GNG's fair value

    SHBI Profitability: Margins, ROIC and FCF

    Operating margin
    46.5%
    Net margin
    28.7%
    ROIC
    9.4%
    ROE
    11.2%
    FCF margin
    36.8%
    FCF yield
    11.6%

    SHBI Competitors

    CompanyTicker
    PRA Group IncPRAA
    Vinci Partners Investments LtdVINP
    Customers Bancorp, Inc 5.375% SCUBB
    VersaBankVBNK
    NewtekOne, Inc. Depositary Shares, Non-Cumulative Perpetual Preferred Stock, Series BNEWTP
    MainStay CBRE Global Infrastructure Megatrends FundMEGI
    Up Fintech Holding LtdTIGR
    Amark PreciAMRK

    Sector: Financial Services

    SHBI Analyst Ratings

    Consensus
    Buy
    Analysts
    5
    Strong Buy
    1
    Buy
    1
    Hold
    3
    Sell
    0
    Strong Sell
    0

    SHBI Bull Case vs Bear Case

    Bull case

    • SHBI converts 36.8% of revenue into free cash flow.
    • SHBI has a 28.7% net profit margin.
    • SHBI beat EPS estimates in 75.0% of its last 8 reported quarters.

    SHBI Earnings: Beat Rate and Next Report

    Beat rate
    6 of 8 quarters (75.0%)
    Average surprise
    8.2%
    EPS estimate (fiscal period ending Sep 30, 2026)
    $0.54
    Estimate revisions (30 days, fiscal period ending Sep 30, 2026)
    3 up, 0 down

    SHBI Dividend

    Forward yield
    2.5%
    Payout ratio
    26.2%
    3Y DPS growth
    0.0%
    5Y DPS growth
    0.0%
    Pay months
    Mar, Jun, Sep, Nov
    SHBI dividend history

    Frequently Asked Questions About SHBI

    What is SHBI's current dividend yield?

    Shore Bancshares Inc (SHBI) has a forward dividend yield of 2.49%.

    Does SHBI pay dividends?

    Yes, Shore Bancshares Inc pays dividends with a forward dividend yield of 2.49%.

    What is SHBI's P/E ratio?

    Shore Bancshares Inc has a price-to-earnings (P/E) ratio of 11.12.

    What is SHBI's market cap?

    Shore Bancshares Inc (SHBI) has a market capitalization of $744.87M with a current stock price of $22.47.

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