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Shore BancsharesSHBI +3.19%61 EV-to-FCF is 8.90 as of Jul. 25, 2026, which is 6% above its 10-year median of 8.36. GuruFocus rates SHBI with a GF Score™ of 61/100 and a GF Value™ of $16.02 (Significantly Overvalued). The stock has 6 warning signs investors should review. Among 1,192 Banks companies, Shore Bancshares ranks worse than 51.76% on this metric.
EV-to-FCF is calculated as enterprise value divided by its free cash flow. As of today, Shore Bancshares's Enterprise Value is $631.6 Mil.
Shore Bancshares's Free Cash Flow for the trailing twelve months (TTM) ended in Mar. 2026 was $71.0 Mil. Therefore, Shore Bancshares's EV-to-FCF for today is 8.90.
The historical rank and industry rank for Shore Bancshares's EV-to-FCF or its related term are showing as below:
SHBI'
s EV-to-FCF Range Over the Past 10 Years
Min: -30.79 Med: 8.36 Max: 52.85
Current: 8.9
During the past 13 years, the highest EV-to-FCF of Shore Bancshares was 52.85. The lowest was -30.79. And the median was 8.36.
SHBI's EV-to-FCF is ranked worse than 51.76% of 1192
companies
in the Banks industry
Industry Median: 6.68
vs SHBI: 8.90
EV-to-FCF is a valuation multiple that allows analysts and investors to compare stocks, preferably in the same sector or industry. This important multiple is often used in conjunction with, or as an alternative to, the PE Ratio (TTM) to determine the fair market value of a company.
EV-to-FCF is a valuation multiple that allows analysts and investors to compare stocks, preferably in the same sector or industry. This important multiple is often used in conjunction with, or as an alternative to, the PE Ratio (TTM) to determine the fair market value of a company.
Shore Bancshares's PE Ratio (TTM) for today is calculated as:
Shore Bancshares's share price for today is $23.61.
Shore Bancshares's Earnings per Share (Diluted) for the trailing twelve months (TTM) ended in Mar. 2026 adds up the quarterly data reported by the company within the most recent 12 months, which was $1.980.
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
Enterprise Value is used because it is a more complete measure in reflecting how much an investor pays when buying a company. Free Cash Flow is an important financial metric because it represents the actual amount of cash at a company's disposal. Companies with a low EV-to-FCF ratio, combined with a strong balance sheet are generally considered as undervalued.
Shore Bancshares EV-to-FCF Related Terms
Shore Bancshares EV-to-FCF Historical Data
* Premium members only.
The historical data trend for Shore Bancshares's EV-to-FCF can be seen below:
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
For the Banks - Regional subindustry, Shore Bancshares's EV-to-FCF, along with its competitors' market caps and EV-to-FCF data, can be viewed below:
* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.
Shore Bancshares EV-to-FCF vs Banks Industry
For the Banks industry and Financial Services sector, Shore Bancshares's EV-to-FCF distribution charts can be found below:
* The bar in red indicates where Shore Bancshares's EV-to-FCF falls into.
Shore Bancshares's current Enterprise Value is $631.6 Mil.
Shore Bancshares's Free Cash Flow for the trailing twelve months (TTM) ended in Mar. 2026 adds up the quarterly data reported by the company within the most recent 12 months, which was $71.0 Mil.
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
Shore Bancshares (SHBI) has a EV-to-FCF of 8.90 as of Jul. 25, 2026. EV to FCF ratio is the company's enterprise value divided by free cash flow. View historical data on Shore Bancshares and its competitors. This is near median its historical median of 8.36. According to the industry distribution chart, Shore Bancshares ranks #617 out of 1192 companies in the Banks industry, placing it in the top 51.8%.
Is Shore Bancshares' EV-to-FCF too high?
Shore Bancshares' current EV-to-FCF of 8.90 is near median its 10-year median of 8.36. The Banks industry median EV-to-FCF is 6.68. Shore Bancshares' value of 8.90 is 33.2% above this industry median. Based on the distribution chart, Shore Bancshares ranks #617 out of 1192 companies in the Banks industry, which is below the industry midpoint. Overall, Shore Bancshares has a GF Score™ of 61/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Shore Bancshares' EV-to-FCF compare to ALRS and HBIA?
According to the Banks industry distribution chart, Shore Bancshares ranks #617 out of 1192 companies for EV-to-FCF. This places Shore Bancshares in the lower half of its industry. The industry median EV-to-FCF is 6.68. Shore Bancshares' value of 8.90 is 33.2% above this benchmark. While the company's 10-year median is 8.36 vs. the industry median of 6.68, Shore Bancshares has consistently been above the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good EV-to-FCF for a Banks company?
The median EV-to-FCF among Banks companies is 6.68, based on 1,192 companies in the industry. Companies in the top quartile (top 25%) have a EV-to-FCF significantly above this median, while those in the bottom quartile fall well below. However, EV-to-FCF should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Shore Bancshares's current EV-to-FCF of 8.90 is 33.2% above the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high EV-to-FCF mean?
A high EV-to-FCF can signal that a stock is expensive relative to its fundamentals. EV to FCF ratio is the company's enterprise value divided by free cash flow. View historical data on Shore Bancshares and its competitors. For the Banks industry, the median EV-to-FCF is 6.68 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Shore Bancshares's current EV-to-FCF is 8.90, which is near median its own 10-year median of 8.36. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Shore Bancshares stock overvalued right now?
Based on GuruFocus' analysis, Shore Bancshares (SHBI) is currently considered Significantly Overvalued. The stock's GF Value™ is $16.02, compared to a current price of $23.61 — trading 47.4% above its estimated fair value. The current EV-to-FCF is 8.90, which is near median its 10-year median of 8.36 and 33.2% above the Banks industry median of 6.68. Shore Bancshares' overall GF Score™ is 61/100 with 6 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is EV-to-FCF calculated?
EV-to-FCF is calculated from a company's financial statements. For Shore Bancshares (SHBI), the current EV-to-FCF is 8.90 as of Jul. 25, 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.
Is Shore Bancshares (SHBI) Overvalued in 2026?
Based on GuruFocus' analysis, Shore Bancshares stock appears to be overvalued.
The current stock price of $23.61 is trading 47.4% above its estimated GF Value™ of $16.02.
GuruFocus considers Shore Bancshares to be Significantly Overvalued.
Key valuation signals for SHBI:
EV-to-FCF: 8.90 (near median its 10-year median of 8.36)
GF Value™: $16.02 vs. price of $23.61 (47.4% above fair value)
Industry Position: 33.2% above the Banks median (#617 of 1192)
No single metric tells the full story. See the SHBI stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Shore Bancshares Inc is a financial holding company based in the United States. Through its subsidiaries, it provides consumer and commercial banking products and services, as well as secondary mortgage lending, trust, wealth management, and financial planning services. The group caters to both business and individual clients, offering checking, savings, certificates of deposit, and overnight investment sweep accounts; commercial lending services, including secured and unsecured loans, working capital loans, lines of credit, etc; and safe deposit boxes, debit cards, telephone banking, and other financial products and services.
61GF Score
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