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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 : 6/10

vs
industry
vs
history
Cash to Debt 9.01
SHBI's Cash to Debt is ranked higher than
65% of the 984 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.36 vs. SHBI: 9.01 )
Ranked among companies with meaningful Cash to Debt only.
SHBI' s 10-Year Cash to Debt Range
Min: 0.28  Med: 1.12 Max: N/A
Current: 9.01
Equity to Asset 0.13
SHBI's Equity to Asset is ranked higher than
77% of the 1355 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 10-Year Equity to Asset Range
Min: 0.1  Med: 0.12 Max: 0.14
Current: 0.13
0.1
0.14
Interest Coverage 1.91
SHBI's Interest Coverage is ranked higher than
56% of the 1272 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.60 vs. SHBI: 1.91 )
Ranked among companies with meaningful Interest Coverage only.
SHBI' s 10-Year Interest Coverage Range
Min: 0.67  Med: 1.09 Max: 1.91
Current: 1.91
0.67
1.91
F-Score: 4
WACC vs ROIC
6.11%
8.79%
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 : 5/10

vs
industry
vs
history
Operating margin (%) 17.83
SHBI's Operating margin (%) is ranked lower than
76% of the 1425 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 30.25 vs. SHBI: 17.83 )
Ranked among companies with meaningful Operating margin (%) only.
SHBI' s 10-Year Operating margin (%) Range
Min: -434.14  Med: 24.90 Max: 51.6
Current: 17.83
-434.14
51.6
Net-margin (%) 11.09
SHBI's Net-margin (%) is ranked lower than
81% of the 1425 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 22.01 vs. SHBI: 11.09 )
Ranked among companies with meaningful Net-margin (%) only.
SHBI' s 10-Year Net-margin (%) Range
Min: -18.86  Med: 26.01 Max: 260.73
Current: 11.09
-18.86
260.73
ROE (%) 3.93
SHBI's ROE (%) is ranked lower than
80% of the 1427 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.44 vs. SHBI: 3.93 )
Ranked among companies with meaningful ROE (%) only.
SHBI' s 10-Year ROE (%) Range
Min: -8.87  Med: 9.77 Max: 13.26
Current: 3.93
-8.87
13.26
ROA (%) 0.51
SHBI's ROA (%) is ranked lower than
71% of the 1436 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.87 vs. SHBI: 0.51 )
Ranked among companies with meaningful ROA (%) only.
SHBI' s 10-Year ROA (%) Range
Min: -0.86  Med: 1.25 Max: 1.57
Current: 0.51
-0.86
1.57
Revenue Growth (3Y)(%) -11.70
SHBI's Revenue Growth (3Y)(%) is ranked lower than
88% of the 1215 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.10 vs. SHBI: -11.70 )
Ranked among companies with meaningful Revenue Growth (3Y)(%) only.
SHBI' s 10-Year Revenue Growth (3Y)(%) Range
Min: -11.7  Med: 11.80 Max: 119.1
Current: -11.7
-11.7
119.1
EBITDA Growth (3Y)(%) 105.40
SHBI's EBITDA Growth (3Y)(%) is ranked higher than
99% of the 1072 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 7.60 vs. SHBI: 105.40 )
Ranked among companies with meaningful EBITDA Growth (3Y)(%) only.
SHBI' s 10-Year EBITDA Growth (3Y)(%) Range
Min: -66.6  Med: 7.60 Max: 105.4
Current: 105.4
-66.6
105.4
» SHBI's 10-Y Financials

Financials


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

» Details

Guru Trades

Q3 2014

SHBI Guru Trades in Q3 2014

Jim Simons 70,300 sh (+3.86%)
Arnold Schneider Sold Out
» More
Q4 2014

SHBI Guru Trades in Q4 2014

Jim Simons 77,700 sh (+10.53%)
» More
Q1 2015

SHBI Guru Trades in Q1 2015

Jim Simons 82,100 sh (+5.66%)
» More
Q2 2015

SHBI Guru Trades in Q2 2015

Jim Simons 91,900 sh (+11.94%)
» 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%)

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Ratios

vs
industry
vs
history
P/E(ttm) 21.81
SHBI's P/E(ttm) is ranked lower than
83% of the 1293 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 13.10 vs. SHBI: 21.81 )
Ranked among companies with meaningful P/E(ttm) only.
SHBI' s 10-Year P/E(ttm) Range
Min: 8.51  Med: 16.71 Max: 65.76
Current: 21.81
8.51
65.76
Forward P/E 13.23
SHBI's Forward P/E is ranked lower than
67% of the 714 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 11.85 vs. SHBI: 13.23 )
Ranked among companies with meaningful Forward P/E only.
N/A
PE(NRI) 21.80
SHBI's PE(NRI) is ranked lower than
82% of the 1291 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 13.20 vs. SHBI: 21.80 )
Ranked among companies with meaningful PE(NRI) only.
SHBI' s 10-Year PE(NRI) Range
Min: 8.49  Med: 16.68 Max: 66.95
Current: 21.8
8.49
66.95
P/B 0.84
SHBI's P/B is ranked higher than
68% of the 1370 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.06 vs. SHBI: 0.84 )
Ranked among companies with meaningful P/B only.
SHBI' s 10-Year P/B Range
Min: 0.29  Med: 0.90 Max: 2.36
Current: 0.84
0.29
2.36
P/S 2.41
SHBI's P/S is ranked higher than
60% of the 1409 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.86 vs. SHBI: 2.41 )
Ranked among companies with meaningful P/S only.
SHBI' s 10-Year P/S Range
Min: 0.6  Med: 2.19 Max: 6.85
Current: 2.41
0.6
6.85
POCF 119.05
SHBI's POCF is ranked lower than
99% of the 956 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 9.00 vs. SHBI: 119.05 )
Ranked among companies with meaningful POCF only.
SHBI' s 10-Year POCF Range
Min: 1.56  Med: 10.20 Max: 122.13
Current: 119.05
1.56
122.13
EV-to-EBIT 7.53
SHBI's EV-to-EBIT is ranked higher than
81% of the 1284 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 13.41 vs. SHBI: 7.53 )
Ranked among companies with meaningful EV-to-EBIT only.
SHBI' s 10-Year EV-to-EBIT Range
Min: -42.1  Med: 10.80 Max: 107.5
Current: 7.53
-42.1
107.5

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield 0.21
SHBI's Dividend Yield is ranked lower than
99% of the 2258 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.76 vs. SHBI: 0.21 )
Ranked among companies with meaningful Dividend Yield only.
SHBI' s 10-Year Dividend Yield Range
Min: 0.15  Med: 2.46 Max: 5.82
Current: 0.21
0.15
5.82
Dividend growth (3y) -100.00
SHBI's Dividend growth (3y) is ranked lower than
93% of the 674 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 7.40 vs. SHBI: -100.00 )
Ranked among companies with meaningful Dividend growth (3y) only.
SHBI' s 10-Year Dividend growth (3y) Range
Min: 0  Med: 6.30 Max: 66.3
Current: -100
0
66.3
Yield on cost (5-Year) 0.21
SHBI's Yield on cost (5-Year) is ranked lower than
98% of the 2253 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.23 vs. SHBI: 0.21 )
Ranked among companies with meaningful Yield on cost (5-Year) only.
SHBI' s 10-Year Yield on cost (5-Year) Range
Min: 0.15  Med: 2.46 Max: 5.82
Current: 0.21
0.15
5.82
Share Buyback Rate -9.00
SHBI's Share Buyback Rate is ranked lower than
75% of the 1013 Companies
in the Global Banks - Regional - US industry.

( Industry Median: -1.90 vs. SHBI: -9.00 )
Ranked among companies with meaningful Share Buyback Rate only.
SHBI' s 10-Year Share Buyback Rate Range
Min: 0  Med: -0.50 Max: -41.4
Current: -9

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 0.92
SHBI's Price/Tangible Book is ranked higher than
65% of the 1347 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.13 vs. SHBI: 0.92 )
Ranked among companies with meaningful Price/Tangible Book only.
SHBI' s 10-Year Price/Tangible Book Range
Min: 0.35  Med: 1.51 Max: 2.71
Current: 0.92
0.35
2.71
Price/Projected FCF 0.49
SHBI's Price/Projected FCF is ranked higher than
70% of the 805 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.65 vs. SHBI: 0.49 )
Ranked among companies with meaningful Price/Projected FCF only.
SHBI' s 10-Year Price/Projected FCF Range
Min: 0.15  Med: 0.51 Max: 1.38
Current: 0.49
0.15
1.38
Price/Median PS Value 1.10
SHBI's Price/Median PS Value is ranked lower than
61% of the 1310 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.04 vs. SHBI: 1.10 )
Ranked among companies with meaningful Price/Median PS Value only.
SHBI' s 10-Year Price/Median PS Value Range
Min: 0.29  Med: 1.69 Max: 80
Current: 1.1
0.29
80
Price/Graham Number 0.95
SHBI's Price/Graham Number is ranked lower than
64% of the 1181 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.82 vs. SHBI: 0.95 )
Ranked among companies with meaningful Price/Graham Number only.
SHBI' s 10-Year Price/Graham Number Range
Min: 0.71  Med: 1.10 Max: 1.61
Current: 0.95
0.71
1.61
Earnings Yield (Greenblatt) (%) 13.21
SHBI's Earnings Yield (Greenblatt) (%) is ranked higher than
82% of the 1408 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.80 vs. SHBI: 13.21 )
Ranked among companies with meaningful Earnings Yield (Greenblatt) (%) only.
SHBI' s 10-Year Earnings Yield (Greenblatt) (%) Range
Min: 0.9  Med: 8.90 Max: 177.8
Current: 13.21
0.9
177.8
Forward Rate of Return (Yacktman) (%) -43.51
SHBI's Forward Rate of Return (Yacktman) (%) is ranked lower than
97% of the 792 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.82 vs. SHBI: -43.51 )
Ranked among companies with meaningful Forward Rate of Return (Yacktman) (%) only.
SHBI' s 10-Year Forward Rate of Return (Yacktman) (%) Range
Min: -36.3  Med: 14.40 Max: 37.1
Current: -43.51
-36.3
37.1

Analyst Estimate

Dec15 Dec16
EPS($) 0.50 0.72
EPS without NRI($) 0.50 0.72

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, 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 

More From Other Websites
SHORE BANCSHARES INC Financials Aug 22 2015
10-Q for Shore Bancshares, Inc. Aug 13 2015
SHORE BANCSHARES INC Files SEC form 8-K, Regulation FD Disclosure, Financial Statements and Exhibits Aug 11 2015
SHORE BANCSHARES INC Files SEC form 10-Q, Quarterly Report Aug 10 2015
Shore Bancshares, Inc. Reports Quarterly Dividend of $0.02 Per Share Aug 05 2015
SHORE BANCSHARES INC Files SEC form 8-K, Other Events, Financial Statements and Exhibits Aug 05 2015
Shore Bancshares posts 2Q profit Jul 23 2015
Shore Bancshares posts 2Q profit Jul 23 2015
SHORE BANCSHARES INC Files SEC form 8-K, Results of Operations and Financial Condition, Financial... Jul 23 2015
Shore Bancshares Reports Second Quarter and First-Half Results Jul 23 2015
SHORE BANCSHARES INC Files SEC form 8-K, Change in Directors or Principal Officers, Financial... Jul 08 2015
SHORE BANCSHARES INC Files SEC form 8-K, Termination of a Material Definitive Agreement, Financial... May 11 2015
Talbot Bank Announces Termination of Consent Order May 11 2015
SHORE BANCSHARES INC Files SEC form 10-Q, Quarterly Report May 11 2015
SHORE BANCSHARES INC Files SEC form 8-K, Submission of Matters to a Vote of Security Holders,... Apr 30 2015
Shore Bancshares posts 1Q profit Apr 20 2015
Shore Bancshares posts 1Q profit Apr 20 2015
SHORE BANCSHARES INC Files SEC form 8-K, Results of Operations and Financial Condition, Financial... Apr 20 2015
Shore Bancshares Reports First Quarter 2015 Financial Results Apr 20 2015
SHORE BANCSHARES INC Files SEC form 10-K, Annual Report Mar 13 2015

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