SHBI

Shore Bancshares, Inc.

Financial Services · $774M market cap

Verdict

Share price

$23.00

close of Oct 3, 2026

Fair value

$11.15

Sticker Price

Payback Price

$4.46

buy price

Overpriced

SHBI is Overpriced: at $23.00 it trades 106% above its fair value of $11.15. Its buy price (Payback Price) is $4.46, 81% below today's price. Business quality is limited: none of the 5 key numbers clears the 10% bar.

How we valued it

Justified P/B (Financials). A bank or insurer. These are best valued on their book value and how much they earn on it.

Business quality

0 of 5 clear the 10% bar. What are the Big Five?

Earnings per share growth8.7% a year✗
Equity per share growth1.4% a year✗
Sales growth3.7% a year✗
Free cash flow growth3.0% a year✗
Return on invested capital9.7%✗

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Insider activity

Since Jul 29, 2026: 1 open-market purchase worth $7K and 15 other filings (stock awards, tax withholding and similar). Why purchases matter

Purchases

Other filings

About Shore Bancshares, Inc.

Shore Bancshares, Inc. operates as a bank holding company for Shore United Bank, N.A. that provides various consumer and commercial banking products and services to individuals, businesses, and other organizations in the United States. The company offers checking, savings, overnight investment sweep, and money market accounts; and regular and IRA certificates of deposit, as well as certificate of deposit account…

Banks - Regional

Fair value and Payback Price are estimates from the company's reported financials, not investment advice. Prices as of the close of Oct 3, 2026. How the Payback Price works