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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 : 5/10

vs
industry
vs
history
Cash to Debt 9.85
SHBI's Cash to Debt is ranked higher than
85% of the 1566 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.48 vs. SHBI: 9.85 )
SHBI' s 10-Year Cash to Debt Range
Min: 0.28   Max: No Debt
Current: 9.85

Equity to Asset 0.13
SHBI's Equity to Asset is ranked higher than
88% of the 2010 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.09 vs. SHBI: 0.13 )
SHBI' s 10-Year Equity to Asset Range
Min: 0.1   Max: 0.14
Current: 0.13

0.1
0.14
F-Score: 6
Z-Score: 0.26
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 : 5/10

vs
industry
vs
history
Operating margin (%) 15.55
SHBI's Operating margin (%) is ranked higher than
57% of the 2021 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 29.33 vs. SHBI: 15.55 )
SHBI' s 10-Year Operating margin (%) Range
Min: -434.14   Max: 51.6
Current: 15.55

-434.14
51.6
Net-margin (%) 9.71
SHBI's Net-margin (%) is ranked higher than
55% of the 2021 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 21.41 vs. SHBI: 9.71 )
SHBI' s 10-Year Net-margin (%) Range
Min: -18.86   Max: 286.16
Current: 9.71

-18.86
286.16
ROE (%) 4.27
SHBI's ROE (%) is ranked higher than
58% of the 2031 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.59 vs. SHBI: 4.27 )
SHBI' s 10-Year ROE (%) Range
Min: -8.87   Max: 16.93
Current: 4.27

-8.87
16.93
ROA (%) 0.47
SHBI's ROA (%) is ranked higher than
62% of the 2034 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.80 vs. SHBI: 0.47 )
SHBI' s 10-Year ROA (%) Range
Min: -0.86   Max: 1.95
Current: 0.47

-0.86
1.95
ROC (Joel Greenblatt) (%) 52.92
SHBI's ROC (Joel Greenblatt) (%) is ranked higher than
69% of the 2003 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 76.89 vs. SHBI: 52.92 )
SHBI' s 10-Year ROC (Joel Greenblatt) (%) Range
Min: -224.99   Max: 182.55
Current: 52.92

-224.99
182.55
Revenue Growth (%) -4.90
SHBI's Revenue Growth (%) is ranked higher than
62% of the 1740 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.20 vs. SHBI: -4.90 )
SHBI' s 10-Year Revenue Growth (%) Range
Min: 0   Max: 130.4
Current: -4.9

0
130.4
EPS Growth (%) 78.60
SHBI's EPS Growth (%) is ranked higher than
98% of the 1547 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.90 vs. SHBI: 78.60 )
SHBI' s 10-Year EPS Growth (%) Range
Min: -26.5   Max: 78.6
Current: 78.6

-26.5
78.6
» SHBI's 10-Y Financials

Financials


Revenue & Net Income
Equity & Asset
Oprt. Cash Flow & Free Cash Flow

» Details

Guru Trades

Q4 2013

SHBI Guru Trades in Q4 2013

Jim Simons 50,700 sh (+15.75%)
Arnold Schneider 45,379 sh (+5.58%)
» More
Q1 2014

SHBI Guru Trades in Q1 2014

Jim Simons 61,136 sh (+20.58%)
Arnold Schneider 45,379 sh (unchged)
» More
Q2 2014

SHBI Guru Trades in Q2 2014

Jim Simons 67,686 sh (+10.71%)
Arnold Schneider 19,339 sh (-57.38%)
» More
Q3 2014

SHBI Guru Trades in Q3 2014

Jim Simons 70,300 sh (+3.86%)
Arnold Schneider Sold Out
» 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%)

GuruDate Trades Impact to Portfolio Price Range * (?) Current Price Change from Average Current Shares
Arnold Schneider 2014-09-30 Sold Out 0.02%$8.74 - $9.12 $ 9.486%0
Arnold Schneider 2014-06-30 Reduce -57.38%0.03%$8.79 - $9.8 $ 9.481%19339
Arnold Schneider 2013-03-31 Add 206.02%0.02%$5.27 - $6.9 $ 9.4856%42779
Arnold Schneider 2012-12-31 New Buy0.01%$5.1 - $6.98 $ 9.4868%13979
Premium More recent guru trades are included for Premium Members only!!
Premium More recent guru trades are included for USA Subscribe Members only!!
» Interactive Charts

Peter Lynch Chart ( What is Peter Lynch Charts )

Ratios

vs
industry
vs
history
P/E(ttm) 18.30
SHBI's P/E(ttm) is ranked higher than
73% of the 2636 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 17.80 vs. SHBI: 18.30 )
SHBI' s 10-Year P/E(ttm) Range
Min: 8.51   Max: 65.76
Current: 18.3

8.51
65.76
P/B 0.86
SHBI's P/B is ranked higher than
87% of the 2636 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.33 vs. SHBI: 0.86 )
SHBI' s 10-Year P/B Range
Min: 0.29   Max: 2.46
Current: 0.86

0.29
2.46
P/S 1.82
SHBI's P/S is ranked higher than
91% of the 2636 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.56 vs. SHBI: 1.82 )
SHBI' s 10-Year P/S Range
Min: 0.6   Max: 6.85
Current: 1.82

0.6
6.85
PFCF 4.86
SHBI's PFCF is ranked higher than
92% of the 2636 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 9999.00 vs. SHBI: 4.86 )
SHBI' s 10-Year PFCF Range
Min: 1.61   Max: 30.33
Current: 4.86

1.61
30.33
EV-to-EBIT 3.05
SHBI's EV-to-EBIT is ranked higher than
98% of the 2636 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 19.47 vs. SHBI: 3.05 )
SHBI' s 10-Year EV-to-EBIT Range
Min: -42.1   Max: 107.5
Current: 3.05

-42.1
107.5

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 0.96
SHBI's Price/Tangible Book is ranked higher than
87% of the 2636 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.58 vs. SHBI: 0.96 )
SHBI' s 10-Year Price/Tangible Book Range
Min: 0.35   Max: 2.7
Current: 0.96

0.35
2.7
Price/DCF (Projected) 0.44
SHBI's Price/DCF (Projected) is ranked higher than
93% of the 2636 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 5.09 vs. SHBI: 0.44 )
SHBI' s 10-Year Price/DCF (Projected) Range
Min: 0.16   Max: 1.44
Current: 0.44

0.16
1.44
Price/Median PS Value 0.71
SHBI's Price/Median PS Value is ranked higher than
96% of the 2636 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.21 vs. SHBI: 0.71 )
SHBI' s 10-Year Price/Median PS Value Range
Min: 0.25   Max: 66.67
Current: 0.71

0.25
66.67
Price/Graham Number 1.01
SHBI's Price/Graham Number is ranked higher than
77% of the 2636 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.15 vs. SHBI: 1.01 )
SHBI' s 10-Year Price/Graham Number Range
Min: 0.26   Max: 1.61
Current: 1.01

0.26
1.61
Earnings Yield (Greenblatt) 32.80
SHBI's Earnings Yield (Greenblatt) is ranked higher than
98% of the 1996 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.60 vs. SHBI: 32.80 )
SHBI' s 10-Year Earnings Yield (Greenblatt) Range
Min: 0.9   Max: 177.8
Current: 32.8

0.9
177.8
Forward Rate of Return (Yacktman) -43.26
SHBI's Forward Rate of Return (Yacktman) is ranked lower than
53% of the 1246 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.25 vs. SHBI: -43.26 )
SHBI' s 10-Year Forward Rate of Return (Yacktman) Range
Min: -36.3   Max: 37.1
Current: -43.26

-36.3
37.1

Business Description

Industry: Banks » Banks - Regional - US
Compare:MTB, USB, PNC, PB, CFR » details
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, primarily 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.
» More Articles for SHBI

Headlines

Articles On GuruFocus.com
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 Reports Second Quarter and First-Half Results Jul 28 2009 
Shore Bancshares Inc Reports Operating Results (10-Q/A) Jul 07 2009 
Shore Bancshares Inc Reports Operating Results (10-Q) May 11 2009 
Shore Bancshares Reports 2008 Earnings Results Jan 28 2009 

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SHORE BANCSHARES INC Files SEC form 8-K, Regulation FD Disclosure, Financial Statements and Exhibits Nov 12 2014
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Shore Bancshares Subsidiary, CNB, Names New CEO Sep 30 2014
SHORE BANCSHARES INC Files SEC form 8-K, Regulation FD Disclosure, Financial Statements and Exhibits Sep 17 2014
SHORE BANCSHARES INC Files SEC form 10-Q, Quarterly Report Aug 14 2014
SHORE BANCSHARES INC Files SEC form 8-K, Results of Operations and Financial Condition, Financial... Jul 28 2014
Shore Bancshares Reports Second Quarter and First-Half Results Jul 24 2014
SHORE BANCSHARES INC Files SEC form 8-K, Other Events Jun 10 2014
SHORE BANCSHARES INC Files SEC form 8-K, Other Events, Financial Statements and Exhibits Jun 03 2014
SHORE BANCSHARES INC Files SEC form 8-K, Entry into a Material Definitive Agreement, Other Events,... May 21 2014
Shore Bancshares Announces Pricing of Public Offering of Common Stock May 21 2014
Shore Bancshares 3.6M share Secondary priced at $8.25 May 21 2014

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