Obermatt

Shore Bancshares

NSQ:SHBI · US8251071051
BanksSmall

360

16
Profit price54
Cash yield47
Price/Sales61
EV / Gross Profit81
Price/Book58
Returns on capital84
Profit margins
Cash Conversion58
Accruals61
Owner Earnings Margin63
Sales growth39
Profit Growth46
Owner Earnings Growth33
Reinvestment44
Price momentum74
Debt load80
Debt serviceability1
Liquidity11
Analyst ratings32
Opinion Changes6
Price Target Upside10
Market mood63
Value Creation17/20strong value creator
  • Creates more value than its capital costs
  • Owner earnings growing
  • Owner earnings per share growing
  • Reinvests at strong returns
  • Solid earnings base

What this means

Shore Bancshares generates returns well above its cost of capital, the foundation of durable shareholder value.

Based on 3/5 components.

Profile

CountryUSA
IndustryBanks
SizeSmall
TypePublic Company
ExchangeNASDAQGS
Founded1996
Employees266
ISINUS8251071051
Last UpdateApr 2, 2026
Themes
Financial ServicesLending and Investments

Description

Shore Bancshares, Inc. (‘Shore Bancshares’) operates as the bank holding company for Shore United Bank, N.A. (the ‘bank’) that provides consumer and commercial banking products and services and secondary mortgage lending, trust, wealth management and…

Analysis

Middle-of-the-road

Shore Bancshares, Inc. sits in the middle of our grid: average quality, average price, no obvious signal in either direction.

On valuation, the picture is attractive. The owner-earnings multiple stands at 10.0×; owner earnings: the cash an owner could take out each year.

Growth is moderate; the safety picture is stretched. The company scores 17/20 on our value-creation score: strong value creator. Analyst sentiment is cautious.

No flags apply to this company at this time: accounts, balance sheet, and cash quality all pass. A clean bill of health is meaningful, not just the absence of a warning. This analysis describes numbers; it is not investment advice.

360° rank · history

1007550250
20
2023202420252026

All-time high

99

Oct 2024

All-time low

20

Jun 2026

Average rank

75

across all years

Detailed & Historical Ranks

Deep dive into 15 detailed ranks and 3 years of history.

Current202520242023
Price/Sales
61
75
70
27
Price/Earnings
52
76
84
52
Price/Book
58
69
76
65
Dividend Yield
47
50
78
49
Value (overall)
53
63
93
47

Cells are coloured by rank band (red weak → green strong). Sentiment & 360° history begins 2023.

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Make Sense of the Ranks

Every rank runs 1–100 against true peers. Higher is always better.

360° View
1 · Watch OutGood· 100
Value
1 · ExpensiveGood Value· 100
Quality
1 · Weak FundamentalsHigh Quality· 100
Growth
1 · Tough TimesHigh Growth· 100
Safety
1 · High LeverageWell-Financed· 100
Sentiment
1 · SkepticismPositive· 100
Learn More →