Switch to:

GuruFocus Financial Strength Rank measures how strong a company’s financial situation is. It is based on these factors

1. The debt burden that the company has as measured by its Interest coverage (current year).
2. Debt to revenue ratio. The lower, the better
3. Altman Z-score.

A company ranks high with financial strength is likely to withstand any business slowdowns and recessions.

Financial Strength : 6/10

vs
industry
vs
history
Cash-to-Debt 23.71
SHBI's Cash-to-Debt is ranked higher than
72% of the 1495 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.97 vs. SHBI: 23.71 )
Ranked among companies with meaningful Cash-to-Debt only.
SHBI' s Cash-to-Debt Range Over the Past 10 Years
Min: 0.28  Med: 1.57 Max: 23.71
Current: 23.71
0.28
23.71
Equity-to-Asset 0.13
SHBI's Equity-to-Asset is ranked higher than
77% of the 1496 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.10 vs. SHBI: 0.13 )
Ranked among companies with meaningful Equity-to-Asset only.
SHBI' s Equity-to-Asset Range Over the Past 10 Years
Min: 0.1  Med: 0.12 Max: 0.13
Current: 0.13
0.1
0.13
Interest Coverage 6.62
SHBI's Interest Coverage is ranked higher than
85% of the 1758 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.61 vs. SHBI: 6.62 )
Ranked among companies with meaningful Interest Coverage only.
SHBI' s Interest Coverage Range Over the Past 10 Years
Min: 0.67  Med: 1.4 Max: 6.62
Current: 6.62
0.67
6.62
WACC vs ROIC
3.36%
11.27%
WACC
ROIC
GuruFocus Profitability Rank ranks how profitable a company is and how likely the company’s business will stay that way. It is based on these factors:

1. Operating Margin
2. Trend of the Operating Margin (5-year average). The company with an uptrend profit margin has a higher rank.
••3. Consistency of the profitability
4. Piotroski F-Score
5. Predictability Rank•

The maximum rank is 10. A rank of 7 or higher means a higher profitability and may stay that way. A rank of 3 or lower indicates that the company has had trouble to make a profit.

Profitability Rank is not directly related to the Financial Strength Rank. But if a company is consistently profitable, its financial strength will be stronger.

Profitability & Growth : 3/10

vs
industry
vs
history
Operating Margin % 28.96
SHBI's Operating Margin % is ranked lower than
55% of the 1511 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 30.68 vs. SHBI: 28.96 )
Ranked among companies with meaningful Operating Margin % only.
SHBI' s Operating Margin % Range Over the Past 10 Years
Min: -31.71  Med: 17.57 Max: 38.5
Current: 28.96
-31.71
38.5
Net Margin % 17.56
SHBI's Net Margin % is ranked lower than
66% of the 1510 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 21.91 vs. SHBI: 17.56 )
Ranked among companies with meaningful Net Margin % only.
SHBI' s Net Margin % Range Over the Past 10 Years
Min: -18.86  Med: 10.94 Max: 24.14
Current: 17.56
-18.86
24.14
ROE % 6.35
SHBI's ROE % is ranked lower than
65% of the 1509 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.30 vs. SHBI: 6.35 )
Ranked among companies with meaningful ROE % only.
SHBI' s ROE % Range Over the Past 10 Years
Min: -8.87  Med: 4.19 Max: 11.62
Current: 6.35
-8.87
11.62
ROA % 0.84
SHBI's ROA % is ranked lower than
52% of the 1518 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.87 vs. SHBI: 0.84 )
Ranked among companies with meaningful ROA % only.
SHBI' s ROA % Range Over the Past 10 Years
Min: -0.86  Med: 0.56 Max: 1.41
Current: 0.84
-0.86
1.41
3-Year Revenue Growth Rate -11.20
SHBI's 3-Year Revenue Growth Rate is ranked lower than
90% of the 1316 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.90 vs. SHBI: -11.20 )
Ranked among companies with meaningful 3-Year Revenue Growth Rate only.
SHBI' s 3-Year Revenue Growth Rate Range Over the Past 10 Years
Min: -12.6  Med: 8.3 Max: 118
Current: -11.2
-12.6
118
GuruFocus has detected 4 Warning Signs with Shore Bancshares Inc $SHBI.
More than 500,000 people have already joined GuruFocus to track the stocks they follow and exchange investment ideas.
» SHBI's 10-Y Financials

Financials (Next Earnings Date: 2017-07-21 Est.)


Revenue & Net Income
Equity & Asset
Operating Cash Flow & Free Cash Flow
Operating Cash Flow & Net Income

» Details

Guru Trades

Q1 2016

SHBI Guru Trades in Q1 2016

Jim Simons 155,700 sh (+36.67%)
David Swensen Sold Out
» More
Q2 2016

SHBI Guru Trades in Q2 2016

Jim Simons 204,000 sh (+31.02%)
» More
Q3 2016

SHBI Guru Trades in Q3 2016

Jim Simons 236,100 sh (+15.74%)
» More
Q4 2016

SHBI Guru Trades in Q4 2016

Jim Simons 268,700 sh (+13.81%)
» More
» Details

Insider Trades

Latest Guru Trades with SHBI

(List those with share number changes of more than 20%, or impact to portfolio more than 0.1%)

No Entry found in the selected group of Gurus. You can
  • 1. Modify your Personalized List of Gurus, or
  • 2. Click on Premium Premium Tools above to check out all the Gurus, or
  • 3. Click on Premium Plus Premium Plus above for the stocks picks of all the institutional investment advisors (>4000)
» Interactive Charts

Peter Lynch Chart ( What is Peter Lynch Charts )

Business Description

Industry: Banks » Banks - Regional - US    NAICS: 522110    SIC: 6021
Compare:NAS:BCBP, OTCPK:BERK, NAS:BOCH, NAS:BKSC, NAS:BMRC, AMEX:BHB, NAS:BANF, NAS:BANR, NYSE:BXS, NYSE:BOH, NAS:OZRK, NYSE:BBT » details
Shore Bancshares Inc is an independent financial holding company. Its primary business is acting as the parent company to several financial institution and insurance entities. It engages in the banking business through CNB, a Maryland commercial bank.

Shore Bancshares Inc was incorporated under the laws of Maryland on March 15, 1996. It is a financial holding company registered under the Bank Holding Company Act of 1956. The Company is a financial holding company located on the Eastern Shore of Maryland. Its business is acting as the parent company to several financial institution and insurance entities. The Company engages in the banking business through CNB, a Maryland commercial bank with trust powers and The Talbot Bank of Easton, Maryland, a Maryland commercial bank. The Company engages in the insurance business through two general insurance producer firms, The Avon-Dixon Agency, LLC; Elliott Wilson Insurance, LLC, one marine insurance producer firm, Jack Martin & Associates, Inc., three wholesale insurance firms, Tri-State General Insurance Agency, LTD, Tri-State General Insurance Agency of New Jersey, Inc. and Tri-State General Insurance Agency of Virginia, Inc.; and two insurance premium finance companies, Mubell Finance, LLC and ESFS, Inc. The Company operates in two business segments: community banking and insurance products and services. The banks provide standard savings and checking accounts to attract deposits, which it then uses to originate variety of loans, real estate loans. The company is also engaged in the insurance business through two general insurance producer firms. The Company is subject to the supervision, examination and reporting requirements of the BHC Act and the regulations of the FRB.

Ratios

vs
industry
vs
history
PE Ratio 20.87
SHBI's PE Ratio is ranked lower than
79% of the 1941 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 13.56 vs. SHBI: 20.87 )
Ranked among companies with meaningful PE Ratio only.
SHBI' s PE Ratio Range Over the Past 10 Years
Min: 8.49  Med: 17.66 Max: 66.95
Current: 20.87
8.49
66.95
PE Ratio without NRI 20.87
SHBI's PE Ratio without NRI is ranked lower than
77% of the 1635 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.25 vs. SHBI: 20.87 )
Ranked among companies with meaningful PE Ratio without NRI only.
SHBI' s PE Ratio without NRI Range Over the Past 10 Years
Min: 8.49  Med: 17.65 Max: 66.95
Current: 20.87
8.49
66.95
Price-to-Owner-Earnings 13.01
SHBI's Price-to-Owner-Earnings is ranked higher than
56% of the 905 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.04 vs. SHBI: 13.01 )
Ranked among companies with meaningful Price-to-Owner-Earnings only.
SHBI' s Price-to-Owner-Earnings Range Over the Past 10 Years
Min: 8.38  Med: 14.29 Max: 146.28
Current: 13.01
8.38
146.28
PB Ratio 1.30
SHBI's PB Ratio is ranked lower than
58% of the 1810 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.17 vs. SHBI: 1.30 )
Ranked among companies with meaningful PB Ratio only.
SHBI' s PB Ratio Range Over the Past 10 Years
Min: 0.29  Med: 0.86 Max: 2.36
Current: 1.3
0.29
2.36
PS Ratio 3.66
SHBI's PS Ratio is ranked lower than
57% of the 1833 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.32 vs. SHBI: 3.66 )
Ranked among companies with meaningful PS Ratio only.
SHBI' s PS Ratio Range Over the Past 10 Years
Min: 0.6  Med: 2.11 Max: 5.01
Current: 3.66
0.6
5.01
Price-to-Free-Cash-Flow 10.99
SHBI's Price-to-Free-Cash-Flow is ranked higher than
53% of the 1008 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 11.76 vs. SHBI: 10.99 )
Ranked among companies with meaningful Price-to-Free-Cash-Flow only.
SHBI' s Price-to-Free-Cash-Flow Range Over the Past 10 Years
Min: 1.6  Med: 9.86 Max: 19.57
Current: 10.99
1.6
19.57
Price-to-Operating-Cash-Flow 10.57
SHBI's Price-to-Operating-Cash-Flow is ranked higher than
50% of the 1096 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 10.62 vs. SHBI: 10.57 )
Ranked among companies with meaningful Price-to-Operating-Cash-Flow only.
SHBI' s Price-to-Operating-Cash-Flow Range Over the Past 10 Years
Min: 1.56  Med: 8.55 Max: 16
Current: 10.57
1.56
16
EV-to-EBIT 8.07
SHBI's EV-to-EBIT is ranked higher than
62% of the 1558 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 11.64 vs. SHBI: 8.07 )
Ranked among companies with meaningful EV-to-EBIT only.
SHBI' s EV-to-EBIT Range Over the Past 10 Years
Min: -42.1  Med: 9.35 Max: 107.5
Current: 8.07
-42.1
107.5
EV-to-EBITDA 6.99
SHBI's EV-to-EBITDA is ranked higher than
64% of the 1576 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 10.00 vs. SHBI: 6.99 )
Ranked among companies with meaningful EV-to-EBITDA only.
SHBI' s EV-to-EBITDA Range Over the Past 10 Years
Min: -79.1  Med: 9.4 Max: 274.9
Current: 6.99
-79.1
274.9
Shiller PE Ratio 49.86
SHBI's Shiller PE Ratio is ranked lower than
91% of the 496 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 20.63 vs. SHBI: 49.86 )
Ranked among companies with meaningful Shiller PE Ratio only.
SHBI' s Shiller PE Ratio Range Over the Past 10 Years
Min: 3.48  Med: 12.42 Max: 54.44
Current: 49.86
3.48
54.44

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield % 1.01
SHBI's Dividend Yield % is ranked lower than
88% of the 2303 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.69 vs. SHBI: 1.01 )
Ranked among companies with meaningful Dividend Yield % only.
SHBI' s Dividend Yield % Range Over the Past 10 Years
Min: 0.15  Med: 2.42 Max: 5.82
Current: 1.01
0.15
5.82
Dividend Payout Ratio 0.18
SHBI's Dividend Payout Ratio is ranked higher than
80% of the 1315 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.33 vs. SHBI: 0.18 )
Ranked among companies with meaningful Dividend Payout Ratio only.
SHBI' s Dividend Payout Ratio Range Over the Past 10 Years
Min: 0.07  Med: 0.4 Max: 1
Current: 0.18
0.07
1
Forward Dividend Yield % 1.26
SHBI's Forward Dividend Yield % is ranked lower than
86% of the 2274 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.95 vs. SHBI: 1.26 )
Ranked among companies with meaningful Forward Dividend Yield % only.
N/A
5-Year Yield-on-Cost % 1.01
SHBI's 5-Year Yield-on-Cost % is ranked lower than
90% of the 2649 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.27 vs. SHBI: 1.01 )
Ranked among companies with meaningful 5-Year Yield-on-Cost % only.
SHBI' s 5-Year Yield-on-Cost % Range Over the Past 10 Years
Min: 0.15  Med: 2.42 Max: 5.82
Current: 1.01
0.15
5.82
3-Year Average Share Buyback Ratio -14.30
SHBI's 3-Year Average Share Buyback Ratio is ranked lower than
83% of the 1010 Companies
in the Global Banks - Regional - US industry.

( Industry Median: -1.60 vs. SHBI: -14.30 )
Ranked among companies with meaningful 3-Year Average Share Buyback Ratio only.
SHBI' s 3-Year Average Share Buyback Ratio Range Over the Past 10 Years
Min: -41  Med: -1.1 Max: -0.1
Current: -14.3
-41
-0.1

Valuation & Return

vs
industry
vs
history
Price-to-Tangible-Book 1.42
SHBI's Price-to-Tangible-Book is ranked lower than
59% of the 1798 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.25 vs. SHBI: 1.42 )
Ranked among companies with meaningful Price-to-Tangible-Book only.
SHBI' s Price-to-Tangible-Book Range Over the Past 10 Years
Min: 0.45  Med: 1.38 Max: 3.32
Current: 1.42
0.45
3.32
Price-to-Intrinsic-Value-Projected-FCF 0.71
SHBI's Price-to-Intrinsic-Value-Projected-FCF is ranked higher than
60% of the 1104 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.80 vs. SHBI: 0.71 )
Ranked among companies with meaningful Price-to-Intrinsic-Value-Projected-FCF only.
SHBI' s Price-to-Intrinsic-Value-Projected-FCF Range Over the Past 10 Years
Min: 0.18  Med: 0.52 Max: 1.06
Current: 0.71
0.18
1.06
Price-to-Median-PS-Value 1.74
SHBI's Price-to-Median-PS-Value is ranked lower than
88% of the 1693 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.15 vs. SHBI: 1.74 )
Ranked among companies with meaningful Price-to-Median-PS-Value only.
SHBI' s Price-to-Median-PS-Value Range Over the Past 10 Years
Min: 0.36  Med: 1.56 Max: 2.87
Current: 1.74
0.36
2.87
Price-to-Graham-Number 1.14
SHBI's Price-to-Graham-Number is ranked lower than
67% of the 1556 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.93 vs. SHBI: 1.14 )
Ranked among companies with meaningful Price-to-Graham-Number only.
SHBI' s Price-to-Graham-Number Range Over the Past 10 Years
Min: 0.72  Med: 1.09 Max: 2.1
Current: 1.14
0.72
2.1
Earnings Yield (Greenblatt) % 12.39
SHBI's Earnings Yield (Greenblatt) % is ranked higher than
71% of the 2086 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.41 vs. SHBI: 12.39 )
Ranked among companies with meaningful Earnings Yield (Greenblatt) % only.
SHBI' s Earnings Yield (Greenblatt) % Range Over the Past 10 Years
Min: 0.9  Med: 9.8 Max: 177.8
Current: 12.39
0.9
177.8
Forward Rate of Return (Yacktman) % -48.50
SHBI's Forward Rate of Return (Yacktman) % is ranked lower than
98% of the 891 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 11.45 vs. SHBI: -48.50 )
Ranked among companies with meaningful Forward Rate of Return (Yacktman) % only.
SHBI' s Forward Rate of Return (Yacktman) % Range Over the Past 10 Years
Min: -48.5  Med: 15.6 Max: 37.1
Current: -48.5
-48.5
37.1

More Statistics

Revenue (TTM) (Mil) $54.89
EPS (TTM) $ 0.76
Beta0.04
Short Percentage of Float0.38%
52-Week Range $10.23 - 17.92
Shares Outstanding (Mil)12.67

Analyst Estimate

Dec17 Dec18
Revenue (Mil $)
EPS ($) 0.85 0.95
EPS without NRI ($) 0.85 0.95
EPS Growth Rate
(Future 3Y To 5Y Estimate)
N/A
Dividends per Share ($)
» More Articles for SHBI

Headlines

Articles On GuruFocus.com
David Swensen Invests in Antero Resources Mar 16 2016 
David Swensen Bets on Antero Resources Mar 10 2016 
Shore Bancshares Inc Reports Operating Results (10-Q) Nov 09 2010 
Shore Bancshares Inc Reports Operating Results (10-Q) Aug 09 2010 
Shore Bancshares Inc Reports Operating Results (10-Q/A) Aug 27 2009 
Shore Bancshares Inc Reports Operating Results (10-Q) Aug 10 2009 
Shore Bancshares Inc Reports Operating Results (10-Q/A) Jul 07 2009 
Shore Bancshares Inc Reports Operating Results (10-Q) May 11 2009 

More From Other Websites
SHORE BANCSHARES INC Financials Mar 22 2017
SHORE BANCSHARES INC Files SEC form 10-K, Annual Report Mar 16 2017
SHORE BANCSHARES INC Files SEC form 8-K, Other Events, Financial Statements and Exhibits Feb 09 2017
Shore Bancshares, Inc. Reports Quarterly Dividend of $0.05 Per Share Feb 08 2017
Shore Bancshares, Inc. :SHBI-US: Earnings Analysis: Q4, 2016 By the Numbers : February 1, 2017 Feb 01 2017
Shore Bancshares, Inc. :SHBI-US: Earnings Analysis: 2016 By the Numbers : January 31, 2017 Jan 31 2017
Shore Bancshares posts 4Q profit Jan 25 2017
Shore Bancshares posts 4Q profit Jan 25 2017
SHORE BANCSHARES INC Files SEC form 8-K, Results of Operations and Financial Condition, Financial... Jan 25 2017
Shore Bancshares Reports 2016 Results Jan 25 2017
Shore Bancshares, Inc. : SHBI-US: Dividend Analysis : November 14th, 2016 (record date) : By the... Jan 11 2017
Northwest selling 3 Baltimore branches, exits Maryland Jan 11 2017
Shore United Bank entering Baltimore area with deal for Northwest branches Jan 10 2017
SHORE BANCSHARES INC Files SEC form 8-K, Entry into a Material Definitive Agreement, Regulation FD... Jan 10 2017
Shore United Bank Expands Maryland Operations with Acquisition of Three Branches in the Greater... Jan 10 2017
4 Small Banks to Like Far From the Maddening Crowd Nov 16 2016
SHORE BANCSHARES INC Files SEC form 10-Q, Quarterly Report Nov 09 2016
Shore Bancshares, Inc. Reports Quarterly Dividend of $0.05 Per Share Nov 03 2016
SHORE BANCSHARES INC Files SEC form 8-K, Other Events, Financial Statements and Exhibits Nov 03 2016
Shore Bancshares, Inc. Reports Quarterly Dividend of $0.05 Per Share Nov 03 2016

Personalized Checklist

Checklist has been moved to "Checklist" tab.

Get WordPress Plugins for easy affiliate links on Stock Tickers and Guru Names | Earn affiliate commissions by embedding GuruFocus Charts
GuruFocus Affiliate Program: Earn up to $400 per referral. ( Learn More)