Stocktoria
SHORE BANCSHARES INC SHBI
SHORE BANCSHARES INC (SHBI) earns a Piotroski F-score of 4/9 (mixed financial health). It pays a dividend yielding 2.07% (safety: safe). FY2025 revenue was $20.9M at a 285.4% net margin.
Quality score trend · recomputed for each fiscal year
Each year's score is computed from that year's filing — a rising Piotroski F or Altman Z″ means improving financial health, a fall is worth a look.
Analyst price target
Wall Street analyst consensus — a sentiment gauge, not our scoring.
Smart money · insiders, last 12 months
Open-market insider purchases minus sells (SEC Form 4) — real buying with their own money is a bullish “smart money” signal; grants and option exercises are excluded.
How it ranks in Finance, Insurance & Real Estate · percentile among 1129 companies
Percentile vs other Finance, Insurance & Real Estate companies we cover — e.g. “stronger than 90%” means only 10% score higher on that measure.
Piotroski F breakdown · 4/9 tests passed
- Positive return on assets
- Positive operating cash flow
- Rising ROA
- Cash flow exceeds net income
- Lower long-term debt
- Rising current ratio
- No share dilution
- Rising gross margin
- Rising asset turnover
Sector peers · similar-size Finance, Insurance & Real Estate companies compare side by side →
| Ticker | Company | Piotroski F | Altman Z″ | P / E | Revenue growth |
|---|---|---|---|---|---|
| SHBI | SHORE BANCSHARES INC | 4/9 | — | 13.1 | -0.3% |
| CARE | Carter Bankshares, Inc. | 6/9 | — | 23.8 | +4.6% |
| DCBG | Dime Commercial Bancshares, Inc. /NY/ | 5/9 | — | — | +19% |
| FUNC | FIRST UNITED CORP/MD/ | 5/9 | — | 11.9 | +4% |
| ASRV | AMERISERV FINANCIAL INC /PA/ | 4/9 | — | 11.8 | -6.3% |
| WAFD | WAFD INC | 6/9 | — | 12.1 | +7.8% |
| NKSH | NATIONAL BANKSHARES INC | 5/9 | — | 15.2 | — |
All Finance, Insurance & Real Estate companies →
About SHORE BANCSHARES INC
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.
FAQ
Is SHBI financially healthy?
SHORE BANCSHARES INC's Piotroski F-score is 4/9 (8–9 is excellent, 0–3 weak).
Does SHBI pay a dividend, and is it safe?
Yes. SHORE BANCSHARES INC pays a dividend yielding about 2.07% with a 27.0% payout ratio, rated “safe” for safety.
How profitable is SHBI?
In FY2025, SHORE BANCSHARES INC had a net margin of 285.4% and a return on equity of 10.1%.
Is SHBI overvalued or undervalued?
SHORE BANCSHARES INC trades at about 13.5× trailing earnings — below its 10-year norm (10-year range 10.7×–47.6×, median 25.3×). Stocktoria reports the data, not buy/sell advice.
What is the analyst price target for SHBI?
The average Wall-Street price target for SHORE BANCSHARES INC is $22.25, about 7.3% below the recent price, from 4 analysts (consensus: buy).
Is SHBI a good stock to buy?
Stocktoria doesn't give buy or sell advice, but here is the data on SHORE BANCSHARES INC: a Piotroski F-score of 4/9, a P/E of about 13.1×, a dividend yield of 2.07%. Weigh these quality and valuation signals against your own goals.
Computed from company filings · US · as of 2025-12-31. Facts plus Stocktoria's own computed scores — not investment advice.