US · SHBI
Shore Bancshares, Inc.
- Sector
- Financial Services · Banks - Regional
- Headquarters
- Easton, MD 21601
- Website
- shoreunitedbank.com
Price · as of 2024-12-31
$19.50
Market cap 621.07M
Valuation summary
Four models, one snapshot. Upside is target ÷ current − 1.
| Valuation method | Value, $ | Upside, % |
|---|---|---|
| Artificial Intelligence(AI) | $46.52 | +138.56% |
| Intrinsic Value(DCF) | $39.20 | +101.03% |
| Graham-Dodd Method(GD) | $13.72 | -29.65% |
| Graham Formula(GF) | $57.33 | +194% |
Valuation history
Annual price (USD per share) overlaid with each model's fair value. Y-axis is log scale.
| Year | Price | AI | DCF | Graham-Dodd | Graham Formula |
|---|---|---|---|---|---|
| 2010 | $7.45 | $31.78 | $11.76 | $8.30 | $0.00 |
| 2011 | $5.07 | $50.33 | $5.33 | $10.99 | $0.00 |
| 2012 | $5.22 | $106.58 | $20.60 | $6.16 | $2.51 |
| 2013 | $7.29 | $55.74 | $25.23 | $5.04 | $0.00 |
| 2014 | $7.01 | $94.10 | $24.83 | $14.05 | $1.46 |
| 2015 | $9.25 | $37.39 | $22.95 | $12.91 | $4.79 |
| 2016 | $12.75 | $38.05 | $25.35 | $12.96 | $10.42 |
| 2017 | $14.54 | $35.32 | $26.17 | $12.67 | $5.52 |
| 2018 | $12.16 | $29.62 | $31.30 | $18.01 | $45.61 |
| 2019 | $12.42 | $50.43 | $18.37 | $13.84 | $20.58 |
| 2020 | $15.41 | $46.32 | $34.63 | $13.48 | $11.55 |
| 2021 | $18.31 | $94.23 | $38.76 | $20.20 | $30.59 |
| 2022 | $14.25 | $551.00 | $18.35 | $15.82 | $108.33 |
| 2023 | $10.69 | $62.67 | $931.26 | $11.78 | $33.43 |
| 2024 | $13.65 | $46.52 | $5,849.16 | $13.72 | $57.33 |
AI valuation
Our deep-learning model estimates Shore Bancshares, Inc.'s (SHBI) per-share fair value from quarterly fundamentals, sector trend, and historical valuation patterns.
- AI fair value
- $46.52
- Current price
- $19.50
- AI upside
- +138.56%
Methodology and confidence bands appear in the dedicated valuation theory section. The AI score is an estimate, not a recommendation.
Intrinsic value (DCF)
Open DCF calculatorThree textbook valuation models, recomputed daily from the latest financial statements. The DCF uses our Chepakovich model. Graham-Dodd and Graham Formula are conservative reference points.
DCF
$39.20
+101.03% upside
Graham-Dodd
$13.72
-29.65% upside
Graham Formula
$57.33
+194% upside
Peer comparison
Same-industry comparables, ranked by market cap.
| Basic Info | Model Valuation | Core Valuation | Profitability | Leverage & Liquidity | Growth | Cash Flow | Dividends | Enterprise Value | Risk | ||||||||||||||||||||||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Ticker | Company Name | Price | Market Cap | AI Upside | DCF Upside | GD Upside | GF Upside | P/E | P/B | P/S | EV/EBITDA | PEG | P/TBV | Gross Margin | Operating Margin | Net Margin | ROE | ROIC | ROA | Debt/Equity | Interest Coverage | Current Ratio | Quick Ratio | Net Debt/EBITDA | EPS Growth | Sales Growth | FCF Growth | FCF Yield | Op Cash Flow Ratio | Cash ROIC | Dividend Yield | Dividend Payout | Shareholder Yield | EV/EBIT | EV/FCF | EV/Sales | Altman Z-Score |
| SHBI | Shore Bancshares, Inc. | $19.50 | 621.07M | +139% | +101% | -30% | +194% | 10.36 | 0.84 | 1.39 | -0.25 | 4.83 | 1.05 | 60.33% | 17.98% | 13.44% | 8.34% | 48.52% | 0.72% | 0.25 | 0.47 | 0.11 | 0.11 | -4.34 | 21429.00% | 3694.00% | 14860.00% | 9.16% | 0.01 | 46.06% | 3.52% | 36.50% | 11.67% | -0.32 | -0.45 | -0.06 | -0.77 |
| ACNB | ACNB Corporation | $50.40 | 523.39M | -9% | +40% | -40% | +68% | 10.70 | 1.12 | 2.58 | 12.65 | 1984.13 | 1.36 | 84.05% | 30.58% | 24.09% | 10.97% | 12.09% | 1.32% | 0.90 | 1.69 | 0.04 | 0.04 | 5.22 | 54.00% | 1520.00% | -155.00% | 11.40% | 0.02 | 14.73% | 3.15% | 33.60% | 3.22% | 13.60 | 14.16 | 4.16 | -0.53 |
| ALRS | Alerus Financial Corporat… | $23.84 | 605.47M | +43% | -24% | -47% | +50% | 22.03 | 0.79 | 1.19 | 1.48 | 51.12 | 1.09 | 59.84% | 7.01% | 5.37% | 4.11% | 12.21% | 0.39% | 0.64 | 0.20 | 0.16 | 0.15 | 6.72 | 4310.00% | 3588.00% | -3548.00% | 4.23% | 0.01 | 11.39% | 3.94% | 86.90% | 4.01% | 2.43 | 3.39 | 0.17 | -0.69 |
| CBNK | Capital Bancorp, Inc. | $29.41 | 485.88M | +97% | -12% | -4% | +78% | 13.18 | 1.15 | 1.68 | 3.05 | — | 1.28 | 68.36% | 17.27% | 12.78% | 10.15% | 25.08% | 1.14% | 0.10 | 0.71 | 0.12 | 0.12 | -3.89 | -1686.00% | 1730.00% | -2760.00% | 8.03% | 0.01 | 26.53% | 1.29% | 17.00% | 42.49% | 3.21 | 4.09 | 0.55 | -0.61 |
| FMNB | Farmers National Banc Cor… | $12.93 | 486.86M | +173% | +11% | +56% | -0% | 8.94 | 1.00 | 1.80 | 13.16 | 47.43 | 1.62 | 63.79% | 23.93% | 20.08% | 12.24% | 10.93% | 1.05% | 0.76 | 0.71 | 1.42 | 0.00 | 5.65 | 1885.00% | 88.00% | -10000.00% | 0.00% | 0.00 | 0.00% | 0.00% | 0.00% | 0.61% | 13.16 | — | 3.15 | 0.16 |
| HONE | HarborOne Bancorp, Inc. | $12.10 | 522.22M | +137% | -4% | -8% | +1% | 15.97 | 0.76 | 1.40 | 11.86 | 20.38 | 0.93 | 50.90% | 10.92% | 8.74% | 4.73% | 4.45% | 0.48% | 0.90 | 0.24 | 0.11 | 0.11 | 7.37 | 7838.00% | 1070.00% | -9469.00% | 0.59% | 0.00 | 0.42% | 2.99% | 47.80% | 20.62% | 13.41 | 176.55 | 1.46 | -0.67 |
| MSBI | Midland States Bancorp, I… | $22.13 | 476.94M | -8% | 0% | -58% | +21% | 10.01 | 0.54 | 0.70 | -5.59 | — | 0.73 | 43.21% | 8.59% | 6.97% | 5.06% | 18.38% | 0.49% | 0.60 | 0.25 | 0.23 | 0.23 | 6.59 | -4335.00% | 739.00% | 1627.00% | 44.55% | 0.03 | 81.97% | 9.45% | 94.60% | 53.17% | -5.59 | -1.55 | -0.48 | -0.62 |
| NPB | Northpointe Bancshares, I… | $18.06 | 269.84M | +238% | +2,826% | +483% | +219% | 3.76 | 0.14 | 0.53 | -13.43 | 3.94 | 0.14 | 48.01% | 18.66% | 14.13% | 3.46% | -54.70% | 2.65% | 0.02 | 0.36 | 20.90 | 20.51 | -6.13 | 9565.00% | 773.00% | -16969.00% | 9.03% | 0.32 | -18.60% | 5.58% | 21.00% | 11.52% | -14.13 | -54.89 | -2.64 | -5.63 |
| NRIM | Northrim BanCorp, Inc. | $23.49 | 518.91M | +304% | +2% | -62% | +121% | 11.02 | 1.52 | 2.08 | -1.84 | 23.00 | 2.18 | 77.53% | 23.98% | 18.87% | 14.73% | -10.24% | 1.26% | 0.15 | 1.15 | 0.24 | 0.24 | -0.43 | 4788.00% | 2377.00% | -12866.00% | -2.30% | 0.00 | 2.59% | 3.38% | 37.20% | 3.57% | -1.98 | 9.98 | -0.48 | -0.48 |
| TCBX | Third Coast Bancshares, I… | $39.61 | 550.22M | -28% | +77% | +13% | +169% | 9.59 | 0.99 | 1.35 | -2.51 | 23.74 | 1.03 | 48.74% | 18.15% | 14.10% | 10.93% | -114.02% | 1.02% | 0.29 | 0.37 | 0.18 | 0.18 | -3.62 | 4040.00% | 2335.00% | -636.00% | 7.30% | 0.01 | -79.82% | 1.04% | 10.00% | 19.36% | -2.70 | -4.97 | -0.49 | -0.66 |
About Shore Bancshares, Inc.
Shore 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.
- CEO
- James Burke
- Employees
- 584
- Beta
- 0.89
Disclaimer: Information on this page is provided for educational purposes only and does not constitute investment advice. Upside computed as ($39.20 ÷ $19.50) − 1 = +101.03% (DCF, example).