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7.64 (1y: +26%)
Market Cap 65.58 M P/E(ttm)
Enterprise Value 76.66 M P/B 0.60
SHBI- NAS (USA)
Shore Bancshares, Inc.
  • Currently 1/5
Business Predictability Rank: 1-Star
Back Testing Results:
Average gain of all 1-Star stocks: 1.1% per year.
% of Stocks that are in still loss if held for 10yrs: 45%.
Read more:
What is Predictability Rank?
Performances of real portfolio
Top Ranked Predictable Companies
$7.64
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GuruFocus Financial Strength Rank measures how strong a companyย’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 13.912
SHBI's Cash to Debt is ranked higher than
83% of the 811 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.85 vs. SHBI: 13.912 )
SHBI' s 10-Year Cash to Debt Range
Min: 0.28   Max: 13.91
Current: 13.91
0.28
13.91
Equity to Asset 0.076
SHBI's Equity to Asset is ranked higher than
59% of the 811 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.09 vs. SHBI: 0.076 )
SHBI' s 10-Year Equity to Asset Range
Min: 0.08   Max: 0.12
Current: 0.08
0.08
0.12
Interest Coverage No Debt
SHBI's Interest Coverage is ranked lower than
86% of the 811 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 10000.00 vs. SHBI: No Debt )
SHBI' s 10-Year Interest Coverage Range
Min: No Debt   Max: No Debt
Current: No Debt
F-Score: 3
Z-Score: 0.26
GuruFocus Profitability Rank ranks how profitable a company is and how likely the companyย’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.
ย•ย•3. Consistency of the profitability
4. Piotroski F-Score
5. Predictability Rankย•

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 (%) -31.70
SHBI's Operating margin (%) is ranked lower than
80% of the 811 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 25.80 vs. SHBI: -31.70 )
SHBI' s 10-Year Operating margin (%) Range
Min: -31.7   Max: 51.6
Current: -31.7
-31.7
51.6
Net-margin (%) -18.9
SHBI's Net-margin (%) is ranked lower than
89% of the 811 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 18.10 vs. SHBI: -18.9 )
SHBI' s 10-Year Net-margin (%) Range
Min: -18.9   Max: 33.2
Current: -18.9
-18.9
33.2
ROE (%) -8.5
SHBI's ROE (%) is ranked lower than
88% of the 811 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.80 vs. SHBI: -8.5 )
SHBI' s 10-Year ROE (%) Range
Min: -8.5   Max: 12.7
Current: -8.5
-8.5
12.7
ROA (%) -0.8
SHBI's ROA (%) is ranked lower than
89% of the 811 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.80 vs. SHBI: -0.8 )
SHBI' s 10-Year ROA (%) Range
Min: -0.8   Max: 1.5
Current: -0.8
-0.8
1.5
Revenue Growth (%) -4.4
SHBI's Revenue Growth (%) is ranked higher than
52% of the 811 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.70 vs. SHBI: -4.4 )
SHBI' s 10-Year Revenue Growth (%) Range
Min: -4.4   Max: 11.7
Current: -4.4
-4.4
11.7
ยป SHBI's 10-Y Financials

Financials


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

» Details

Guru Trades
Q2 2012

SHBI Guru Trades in Q2 2012

Jim Simons 40,700 sh (+0.25%)
» More
Q3 2012

SHBI Guru Trades in Q3 2012

Jim Simons 41,800 sh (+2.7%)
» More
Q4 2012

SHBI Guru Trades in Q4 2012

Arnold Schneider 13,979 sh (New)
Jim Simons 42,300 sh (+1.2%)
» More
Q1 2013

SHBI Guru Trades in Q1 2013

Arnold Schneider 42,779 sh (+206.02%)
Jim Simons 42,000 sh (-0.71%)
» More
» Details

Insider Trades

Latest Guru Trades with SHBI



No Insider Trades Found!

Ratios

vs
industry		 vs
history
P/B 0.60
SHBI's P/B is ranked higher than
91% of the 811 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.90 vs. SHBI: 0.60 )
SHBI' s 10-Year P/B Range
Min: 0.29   Max: 4.12
Current: 0.6
0.29
4.12
P/S 1.28
SHBI's P/S is ranked higher than
88% of the 811 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.20 vs. SHBI: 1.28 )
SHBI' s 10-Year P/S Range
Min: 0.6   Max: 6.78
Current: 1.28
0.6
6.78
PFCF 4.50
SHBI's PFCF is ranked higher than
76% of the 811 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.70 vs. SHBI: 4.50 )
SHBI' s 10-Year PFCF Range
Min: 1.39   Max: 22.45
Current: 4.5
1.39
22.45
EV-to-EBIT 14.9
SHBI's EV-to-EBIT is ranked higher than
78% of the 811 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 16.90 vs. SHBI: 14.9 )
SHBI' s 10-Year EV-to-EBIT Range
Min: 6.7   Max: 36.6
Current: 14.9
6.7
36.6
Shiller P/E 21.6
SHBI's Shiller P/E is ranked higher than
88% of the 811 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.60 vs. SHBI: 21.6 )
SHBI' s 10-Year Shiller P/E Range
Min: 4.24   Max: 22.48
Current: 21.6
4.24
22.48

Dividend & Buy Back

vs
industry		 vs
history
Dividend Yield 0.20
SHBI's Dividend Yield is ranked lower than
66% of the 811 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.20 vs. SHBI: 0.20 )
SHBI' s 10-Year Dividend Yield Range
Min: 0.15   Max: 5.82
Current: 0.2
0.15
5.82
Dividend growth (3y) -64.6
SHBI's Dividend growth (3y) is ranked higher than
69% of the 811 Companies
in the Global Banks - Regional - US industry.

( Industry Median: -21.50 vs. SHBI: -64.6 )
SHBI' s 10-Year Dividend growth (3y) Range
Min: -64.6   Max: 46.4
Current: -64.6
-64.6
46.4
Share Buyback Rate -0.1
SHBI's Share Buyback Rate is ranked higher than
80% of the 811 Companies
in the Global Banks - Regional - US industry.

( Industry Median: -1.75 vs. SHBI: -0.1 )
SHBI' s 10-Year Share Buyback Rate Range
Min: 0   Max: -29.7
Current: -0.1

Valuation & Return

vs
industry		 vs
history
Price/Tangible Book 0.7
SHBI's Price/Tangible Book is ranked lower than
64% of the 811 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.00 vs. SHBI: 0.7 )
SHBI' s 10-Year Price/Tangible Book Range
Min: 0.4   Max: 2.7
Current: 0.7
0.4
2.7
Price/DCF (Projected) 0.3
SHBI's Price/DCF (Projected) is ranked higher than
53% of the 811 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.50 vs. SHBI: 0.3 )
SHBI' s 10-Year Price/DCF (Projected) Range
Min: 0.2   Max: 0.9
Current: 0.3
0.2
0.9
Price/Median PS Value 0.3
SHBI's Price/Median PS Value is ranked lower than
67% of the 811 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.80 vs. SHBI: 0.3 )
SHBI' s 10-Year Price/Median PS Value Range
Min: 0.2   Max: 1.6
Current: 0.3
0.2
1.6
Earnings Yield (Greenblatt) 6.70
SHBI's Earnings Yield (Greenblatt) is ranked higher than
83% of the 811 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 5.80 vs. SHBI: 6.70 )
SHBI' s 10-Year Earnings Yield (Greenblatt) Range
Min: 2.7   Max: 14.8
Current: 6.7
2.7
14.8
Forward Rate of Return (Yacktman) 22.19
SHBI's Forward Rate of Return (Yacktman) is ranked higher than
92% of the 811 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 15.01 vs. SHBI: 22.19 )
SHBI' s 10-Year Forward Rate of Return (Yacktman) Range
Min: -3.7   Max: 45.1
Current: 22.19
-3.7
45.1

Business Description

Shore Bancshares, Inc. was incorporated under the laws of Maryland on March 15, 1996. It is a financial holding company. The company's primary business is acting as the parent company to three bank subsidiaries, The Centreville National Bank of Maryland, The Talbot Bank of Easton, Maryland, and The Felton Bank, two insurance producer firms, The Avon-Dixon Agency, LLC and Elliott Wilson Insurance, LLC, one insurance premium finance company, Mubell Finance, LLC and an investment adviser firm, Wye Financial Services, LLC. The banks originate secured and unsecured loans for business purposes. Commercial loans generally involve a greater degree of credit risk than one to four family residential mortgage loans. The banks provide residential real estate construction loans to builders and individuals for single-family dwellings. The banks also originate and sell long-term fixed rate residential mortgage loans on the secondary market. The banks originate fixed and variable rate residential mortgage loans. Commercial real estate loans are primarily those secured by office condominiums, retail buildings, warehouses and general-purpose business space. A variety of consumer loans are offered to customers, including home equity loans, credit cards and other secured and unsecured lines of credit and term loans. The banks offer a full array of deposit products including checking, savings and money market accounts, regular and IRA certificates of deposit, and Christmas Savings accounts. The banks also offer the CDARS program, providing up to $20 million of FDIC insurance to its customers.
Company Website
SEC Reports
Industry: Banks - Regional - US
Compare:MTB, USB, PNC, PB, CFR
ยป 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 Inc Reports Operating Results (10-Q/A) Jul 07 2009 
Shore Bancshares Inc Reports Operating Results (10-Q) May 11 2009 

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