Stocktoria

SHORE BANCSHARES INC SHBI

Nasdaq · stock · National Commercial Banks · website · IPO 2001-04-09

SHORE BANCSHARES INC statistics & valuation

Market cap$779.2M
P / E13.1×
P / S37.4×
P / B1.3×
P / FCF13.2×
Dividend yield2.07%
Net margin285.4%
Return on equity10.1%
FCF margin284.0%
Net cash$266.5M
Enterprise value USD$512.7M
Graham number +10.7%$26.59

Market cap as of 2026-06-29. Multiples are price-derived and refreshed daily; everything else from the latest financial reports. The Graham number is Benjamin Graham's rough maximum fair value ($26.59); a green figure means the price is below it.

Profitability & efficiency

Net margin (%)
281.90% 171.20% 170.90% 139.60% 203.20% 61.20% 209.90% 285.40% 2016201720182019202020212022202320242025
Gross margin (%)
2016201720182019202020212022202320242025
Operating margin (%)
2016201720182019202020212022202320242025
Return on equity (%)
6.20% 6.90% 13.60% 8.40% 8.10% 4.40% 8.60% 2.20% 8.10% 10.10% 2016201720182019202020212022202320242025
Shares outstanding
28.5M 28.6M 28.7M 28.6M 27.9M 29.7M 29.8M 33.2M 33.3M 33.4M 2016201720182019202020212022202320242025
Net debt ($)
-$52.2M -$80.0M -$12.4M -$299.7M -$386.1M -$266.5M 2016201720182019202020212022202320242025
Share buybacks ($)
2016201720182019202020212022202320242025
Return on assets (%)
0.80% 0.80% 1.70% 1.00% 0.80% 0.40% 0.90% 0.20% 0.70% 1.00% 2016201720182019202020212022202320242025
Free cash flow margin (%)
193.60% 121.50% 174.40% -99.50% 327.50% 91.40% 199.20% 284.00% 2016201720182019202020212022202320242025
Debt / equity (×)
0.08× 0.08× 0.12× 0.14× 0.14× 0.15× 2016201720182019202020212022202320242025
EPS ($)
$0.34 $0.40 $0.87 $0.56 $0.56 $0.78 $1.05 $0.42 $1.32 $1.78 2016201720182019202020212022202320242025

Margins and returns computed from annual filings. Falling shares outstanding = buybacks; rising = dilution. Net debt = debt − cash (negative = net cash).

P / E vs its own history

SHORE BANCSHARES INC trades at about 13.5× earnings — below its 10-year norm (10-year range 10.7×–47.6×, median 25.3×).

10.7× 47.6×

Shaded band = 10-year range (10.7×–47.6×); dot = today's 13.5×.

Historical P/E = month-end price near each fiscal year-end ÷ that year's EPS. A read on whether the stock is cheap or dear relative to how it has typically been valued — not a forecast.

Key ratios (by fiscal year)

RatioFY2025FY2024FY2023FY2022FY2021FY2020FY2019FY2018FY2017FY2016
Net margin285.4%209.9%61.2%203.2%139.6%170.9%171.2%281.9%——
FCF margin284.0%199.2%91.4%327.5%-99.5%174.4%121.5%193.6%——
Return on assets1.0%0.7%0.2%0.9%0.4%0.8%1.0%1.7%0.8%0.8%
Return on equity10.1%8.1%2.2%8.6%4.4%8.1%8.4%13.6%6.9%6.2%
Debt / equity0.15×0.14×0.14×0.12×——0.08×0.08×——

Computed from company filings · US · as of 2025-12-31. Facts plus Stocktoria's own computed scores — not investment advice.