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Shore BancsharesSHBI +1.37%58 FCF Yield % is 11.05 as of Sep. 06, 2026, which is 34% above its 10-year median of 8.22. GuruFocus rates SHBI with a GF Score™ of 58/100 and a GF Value™ of $16.48 (Significantly Overvalued). The stock has 6 warning signs investors should review. Among 1,495 Banks companies, Shore Bancshares ranks better than 63.81% on this metric.
FCF Yield % is calculated as Free Cash Flow divided by Market Capitalization. It is a financial solvency ratio that compares the free cash flow a company is expected to earn against its market value.
Similar to Earnings Yield %, FCF Yield % is financial solvency ratio. A lower ratio suggests a less attractive investment, indicating that investors might not receive substantial returns in proportion to their investment. Conversely, a high free cash flow yield signals that a company generates sufficient cash to comfortably meet its debts, obligations, and dividend payments, making it a promising investment choice.
Shore Bancshares FCF Yield % Related Terms
Shore Bancshares FCF Yield % Historical Data
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The historical data trend for Shore Bancshares's FCF Yield % 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 FCF Yield %, along with its competitors' market caps and FCF Yield % 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 FCF Yield % vs Banks Industry
For the Banks industry and Financial Services sector, Shore Bancshares's FCF Yield % distribution charts can be found below:
* The bar in red indicates where Shore Bancshares's FCF Yield % falls into.
* 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 FCF Yield % of 11.05 as of Sep. 06, 2026. FCF Yield is calculated as Free Cash Flow divided by Market Capitalization. View historical data on Shore Bancshares and its competitors. This is 34% above median its historical median of 8.22. According to the industry distribution chart, Shore Bancshares ranks #541 out of 1495 companies in the Banks industry, placing it in the top 36.2%.
Is Shore Bancshares' FCF Yield % too high?
Shore Bancshares' current FCF Yield % of 11.05 is 34% above median its 10-year median of 8.22. The Banks industry median FCF Yield % is 8.15. Shore Bancshares' value of 11.05 is 35.6% above this industry median. Based on the distribution chart, Shore Bancshares ranks #541 out of 1495 companies in the Banks industry, which is above the industry midpoint. Overall, Shore Bancshares has a GF Score™ of 58/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Shore Bancshares' FCF Yield % compare to HTB and WASH?
According to the Banks industry distribution chart, Shore Bancshares ranks #541 out of 1495 companies for FCF Yield %. This puts Shore Bancshares in the upper half of its industry. The industry median FCF Yield % is 8.15. Shore Bancshares' value of 11.05 is 35.6% above this benchmark. While the company's 10-year median is 8.22 vs. the industry median of 8.15, 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 FCF Yield % for a Banks company?
The median FCF Yield % among Banks companies is 8.15, based on 1,495 companies in the industry. Companies in the top quartile (top 25%) have a FCF Yield % significantly above this median, while those in the bottom quartile fall well below. However, FCF Yield % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Shore Bancshares's current FCF Yield % of 11.05 is 35.6% 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 FCF Yield % mean?
A high FCF Yield % can signal that a stock is expensive relative to its fundamentals. FCF Yield is calculated as Free Cash Flow divided by Market Capitalization. View historical data on Shore Bancshares and its competitors. For the Banks industry, the median FCF Yield % is 8.15 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Shore Bancshares's current FCF Yield % is 11.05, which is 34% above median its own 10-year median of 8.22. 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 $16.48, compared to a current price of $23.63 — trading 43.4% above its estimated fair value. The current FCF Yield % is 11.05, which is 34% above median its 10-year median of 8.22 and 35.6% above the Banks industry median of 8.15. Shore Bancshares' overall GF Score™ is 58/100 with 6 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is FCF Yield % calculated?
FCF Yield % is calculated from a company's financial statements. For Shore Bancshares (SHBI), the current FCF Yield % is 11.05 as of Sep. 06, 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 $23.63 is trading 43.4% above its estimated GF Value™ of $16.48.
GuruFocus considers Shore Bancshares to be Significantly Overvalued.
Key valuation signals for SHBI:
FCF Yield %: 11.05 (34% above median its 10-year median of 8.22)
GF Value™: $16.48 vs. price of $23.63 (43.4% above fair value)
Industry Position: 35.6% above the Banks median (#541 of 1495)
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.
58GF Score
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