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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 8.91
SHBI's Cash to Debt is ranked higher than
64% of the 1456 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.23 vs. SHBI: 8.91 )
Ranked among companies with meaningful Cash to Debt only.
SHBI' s Cash to Debt Range Over the Past 10 Years
Min: 0.28  Med: 1.16 Max: N/A
Current: 8.91
Equity to Asset 0.14
SHBI's Equity to Asset is ranked higher than
82% of the 1593 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.10 vs. SHBI: 0.14 )
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: 0.14
Current: 0.14
0.1
0.14
Interest Coverage 4.99
SHBI's Interest Coverage is ranked higher than
80% of the 1542 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.71 vs. SHBI: 4.99 )
Ranked among companies with meaningful Interest Coverage only.
SHBI' s Interest Coverage Range Over the Past 10 Years
Min: 0.67  Med: 1.02 Max: 4.99
Current: 4.99
0.67
4.99
F-Score: 6
WACC vs ROIC
2.79%
9.80%
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 (%) 26.94
SHBI's Operating margin (%) is ranked lower than
60% of the 1634 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 30.90 vs. SHBI: 26.94 )
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: 41.96
Current: 26.94
-31.71
41.96
Net-margin (%) 16.59
SHBI's Net-margin (%) is ranked lower than
69% of the 1633 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 22.30 vs. SHBI: 16.59 )
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: 26.2
Current: 16.59
-18.86
26.2
ROE (%) 5.96
SHBI's ROE (%) is ranked lower than
68% of the 1628 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.38 vs. SHBI: 5.96 )
Ranked among companies with meaningful ROE (%) only.
SHBI' s ROE (%) Range Over the Past 10 Years
Min: -8.87  Med: 4.19 Max: 12.74
Current: 5.96
-8.87
12.74
ROA (%) 0.79
SHBI's ROA (%) is ranked lower than
57% of the 1639 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.89 vs. SHBI: 0.79 )
Ranked among companies with meaningful ROA (%) only.
SHBI' s ROA (%) Range Over the Past 10 Years
Min: -0.86  Med: 0.56 Max: 1.51
Current: 0.79
-0.86
1.51
Revenue Growth (3Y)(%) -12.60
SHBI's Revenue Growth (3Y)(%) is ranked lower than
91% of the 1342 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.20 vs. SHBI: -12.60 )
Ranked among companies with meaningful Revenue Growth (3Y)(%) only.
SHBI' s Revenue Growth (3Y)(%) Range Over the Past 10 Years
Min: -12.6  Med: 10.05 Max: 131.4
Current: -12.6
-12.6
131.4
» SHBI's 10-Y Financials

Financials (Next Earnings Date: Est. 2016-10-22)


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

» Details

Guru Trades

Q3 2015

SHBI Guru Trades in Q3 2015

Jim Simons 99,400 sh (+8.16%)
» More
Q4 2015

SHBI Guru Trades in Q4 2015

David Swensen 93,709 sh (New)
Jim Simons 113,922 sh (+14.61%)
» More
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
» 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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Business Description

Industry: Banks » Banks - Regional - US
Compare:OTCPK:EXSR, NAS:OSHC, NAS:CFFI, NAS:PVBC, NAS:UNB, NAS:FCFP, NAS:FRBK, NAS:CFNB, NAS:CHMG, OTCBB:FVCB, NAS:WFD, NAS:SONA, OTCBB:FKYS, OTCPK:FNBG, OTCBB:CZFS, NAS:ACNB, OTCPK:JMSB, NAS:CVLY, NAS:CUBN, NAS:ORRF » 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.

Top Ranked Articles about Shore Bancshares Inc

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David Swensen (Trades, Portfolio), chief investment officer at Yale University, made two new buys in the fourth quarter, one of which was large enough to become the top stake in his portfolio – his purchase of an 8,740,871-share stake in Antero Resources Corp. (NYSE:AR). Read more...

Ratios

vs
industry
vs
history
P/E(ttm) 16.98
SHBI's P/E(ttm) is ranked lower than
69% of the 1491 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 13.32 vs. SHBI: 16.98 )
Ranked among companies with meaningful P/E(ttm) only.
SHBI' s P/E(ttm) Range Over the Past 10 Years
Min: 8.49  Med: 17.29 Max: 66.95
Current: 16.98
8.49
66.95
Forward P/E 16.10
SHBI's Forward P/E is ranked lower than
72% of the 370 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 13.85 vs. SHBI: 16.10 )
Ranked among companies with meaningful Forward P/E only.
N/A
PE(NRI) 16.98
SHBI's PE(NRI) is ranked lower than
69% of the 1493 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 13.36 vs. SHBI: 16.98 )
Ranked among companies with meaningful PE(NRI) only.
SHBI' s PE(NRI) Range Over the Past 10 Years
Min: 8.49  Med: 17.29 Max: 66.95
Current: 16.98
8.49
66.95
Price/Owner Earnings (ttm) 10.11
SHBI's Price/Owner Earnings (ttm) is ranked higher than
62% of the 838 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 12.83 vs. SHBI: 10.11 )
Ranked among companies with meaningful Price/Owner Earnings (ttm) only.
SHBI' s Price/Owner Earnings (ttm) Range Over the Past 10 Years
Min: 8.38  Med: 15.21 Max: 146.28
Current: 10.11
8.38
146.28
P/B 0.98
SHBI's P/B is ranked higher than
56% of the 1580 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.05 vs. SHBI: 0.98 )
Ranked among companies with meaningful P/B only.
SHBI' s P/B Range Over the Past 10 Years
Min: 0.29  Med: 0.86 Max: 2.36
Current: 0.98
0.29
2.36
P/S 2.79
SHBI's P/S is ranked higher than
54% of the 1588 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.94 vs. SHBI: 2.79 )
Ranked among companies with meaningful P/S only.
SHBI' s P/S Range Over the Past 10 Years
Min: 0.6  Med: 2.11 Max: 5.01
Current: 2.79
0.6
5.01
PFCF 8.60
SHBI's PFCF is ranked higher than
60% of the 803 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 10.62 vs. SHBI: 8.60 )
Ranked among companies with meaningful PFCF only.
SHBI' s PFCF Range Over the Past 10 Years
Min: 1.6  Med: 10.26 Max: 42.3
Current: 8.6
1.6
42.3
POCF 8.18
SHBI's POCF is ranked higher than
55% of the 902 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 9.12 vs. SHBI: 8.18 )
Ranked among companies with meaningful POCF only.
SHBI' s POCF Range Over the Past 10 Years
Min: 1.56  Med: 8.68 Max: 16
Current: 8.18
1.56
16
EV-to-EBIT 6.58
SHBI's EV-to-EBIT is ranked higher than
77% of the 1278 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 12.74 vs. SHBI: 6.58 )
Ranked among companies with meaningful EV-to-EBIT only.
SHBI' s EV-to-EBIT Range Over the Past 10 Years
Min: -42.1  Med: 9.7 Max: 107.5
Current: 6.58
-42.1
107.5
EV-to-EBITDA 5.62
SHBI's EV-to-EBITDA is ranked higher than
79% of the 1280 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 11.29 vs. SHBI: 5.62 )
Ranked among companies with meaningful EV-to-EBITDA only.
SHBI' s EV-to-EBITDA Range Over the Past 10 Years
Min: -79.1  Med: 9.45 Max: 274.9
Current: 5.62
-79.1
274.9
Shiller P/E 32.14
SHBI's Shiller P/E is ranked lower than
86% of the 486 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 17.59 vs. SHBI: 32.14 )
Ranked among companies with meaningful Shiller P/E only.
SHBI' s Shiller P/E Range Over the Past 10 Years
Min: 3.51  Med: 10.39 Max: 32.94
Current: 32.14
3.51
32.94

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield 0.94
SHBI's Dividend Yield is ranked lower than
90% of the 2207 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.92 vs. SHBI: 0.94 )
Ranked among companies with meaningful Dividend Yield only.
SHBI' s Dividend Yield Range Over the Past 10 Years
Min: 0.15  Med: 2.44 Max: 5.82
Current: 0.94
0.15
5.82
Dividend Payout 0.14
SHBI's Dividend Payout is ranked higher than
88% of the 1316 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.33 vs. SHBI: 0.14 )
Ranked among companies with meaningful Dividend Payout only.
SHBI' s Dividend Payout Range Over the Past 10 Years
Min: 0.1  Med: 0.39 Max: 4
Current: 0.14
0.1
4
Dividend Growth (3y) 58.70
SHBI's Dividend Growth (3y) is ranked higher than
94% of the 733 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.40 vs. SHBI: 58.70 )
Ranked among companies with meaningful Dividend Growth (3y) only.
SHBI' s Dividend Growth (3y) Range Over the Past 10 Years
Min: 0  Med: 8.15 Max: 66.3
Current: 58.7
0
66.3
Forward Dividend Yield 1.02
SHBI's Forward Dividend Yield is ranked lower than
91% of the 2090 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.14 vs. SHBI: 1.02 )
Ranked among companies with meaningful Forward Dividend Yield only.
N/A
Yield on cost (5-Year) 0.94
SHBI's Yield on cost (5-Year) is ranked lower than
90% of the 2524 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.48 vs. SHBI: 0.94 )
Ranked among companies with meaningful Yield on cost (5-Year) only.
SHBI' s Yield on cost (5-Year) Range Over the Past 10 Years
Min: 0.15  Med: 2.44 Max: 5.82
Current: 0.94
0.15
5.82
3-Year Average Share Buyback Ratio -14.30
SHBI's 3-Year Average Share Buyback Ratio is ranked lower than
82% of the 1039 Companies
in the Global Banks - Regional - US industry.

( Industry Median: -1.90 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: -39.1  Med: -0.45 Max: -0.1
Current: -14.3
-39.1
-0.1

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 1.07
SHBI's Price/Tangible Book is ranked higher than
53% of the 1571 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.12 vs. SHBI: 1.07 )
Ranked among companies with meaningful Price/Tangible Book only.
SHBI' s Price/Tangible Book Range Over the Past 10 Years
Min: 0.35  Med: 1.4 Max: 2.71
Current: 1.07
0.35
2.71
Price/Projected FCF 0.53
SHBI's Price/Projected FCF is ranked higher than
66% of the 847 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.68 vs. SHBI: 0.53 )
Ranked among companies with meaningful Price/Projected FCF only.
SHBI' s Price/Projected FCF Range Over the Past 10 Years
Min: 0.16  Med: 0.51 Max: 1.16
Current: 0.53
0.16
1.16
Price/Median PS Value 1.33
SHBI's Price/Median PS Value is ranked lower than
81% of the 1505 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.03 vs. SHBI: 1.33 )
Ranked among companies with meaningful Price/Median PS Value only.
SHBI' s Price/Median PS Value Range Over the Past 10 Years
Min: 0.3  Med: 1.4 Max: 75
Current: 1.33
0.3
75
Price/Graham Number 0.90
SHBI's Price/Graham Number is ranked lower than
55% of the 1372 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.85 vs. SHBI: 0.90 )
Ranked among companies with meaningful Price/Graham Number only.
SHBI' s Price/Graham Number Range Over the Past 10 Years
Min: 0.52  Med: 1.08 Max: 1.82
Current: 0.9
0.52
1.82
Earnings Yield (Greenblatt) (%) 15.18
SHBI's Earnings Yield (Greenblatt) (%) is ranked higher than
81% of the 1599 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.20 vs. SHBI: 15.18 )
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: 15.18
0.9
177.8
Forward Rate of Return (Yacktman) (%) -45.94
SHBI's Forward Rate of Return (Yacktman) (%) is ranked lower than
97% of the 851 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 12.00 vs. SHBI: -45.94 )
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: -45.94  Med: 14.65 Max: 37.1
Current: -45.94
-45.94
37.1

More Statistics

Revenue (TTM) (Mil) $53.05
EPS (TTM) $ 0.69
Beta-0.01
Short Percentage of Float1.51%
52-Week Range $9.13 - 12.59
Shares Outstanding (Mil)12.66

Analyst Estimate

Dec16 Dec17
Revenue (Mil $)
EPS ($) 0.73 0.85
EPS w/o NRI ($) 0.73 0.85
EPS Growth Rate
(3Y to 5Y Estimate)
N/A
Dividends Per Share ($)
» 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 Files SEC form 8-K, Regulation FD Disclosure, Financial Statements and Exhibits Aug 24 2016
SHORE BANCSHARES INC Financials Aug 18 2016
SHORE BANCSHARES INC Files SEC form 8-K, Regulation FD Disclosure, Financial Statements and Exhibits Aug 10 2016
SHORE BANCSHARES INC Files SEC form 10-Q, Quarterly Report Aug 09 2016
Shore Bancshares, Inc. Reports Quarterly Dividend of $0.03 Per Share Aug 03 2016
SHORE BANCSHARES INC Files SEC form 8-K, Other Events, Financial Statements and Exhibits Aug 03 2016
Shore Bancshares, Inc. Reports Quarterly Dividend of $0.03 Per Share Aug 03 2016
Three Strong Performing Companies See Corporate Insiders Unloading Company Stock & Insider Buying at... Aug 01 2016
Shore Bancshares, Inc. :SHBI-US: Earnings Analysis: Q2, 2016 By the Numbers : July 26, 2016 Jul 26 2016
Shore Bancshares Announces Stock Repurchase Plan Jul 25 2016
SHORE BANCSHARES INC Files SEC form 8-K, Other Events, Financial Statements and Exhibits Jul 25 2016
Shore Bancshares Announces Stock Repurchase Plan Jul 25 2016
Shore Bancshares posts 2Q profit Jul 21 2016
Shore Bancshares posts 2Q profit Jul 21 2016
SHORE BANCSHARES INC Files SEC form 8-K, Results of Operations and Financial Condition, Financial... Jul 21 2016
Shore Bancshares Reports Second Quarter and First-Half Results Jul 21 2016
Shore Bancshares Announces Consolidation of Banking Subsidiaries and Unified Branding under Shore... Jul 01 2016
SHORE BANCSHARES INC Files SEC form 8-K, Other Events, Financial Statements and Exhibits Jul 01 2016
Shore Bancshares Announces Consolidation of Banking Subsidiaries and Unified Branding under Shore... Jul 01 2016
Shore Bancshares, Inc. :SHBI-US: Earnings Analysis: Q1, 2016 By the Numbers : June 28, 2016 Jun 28 2016

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