Shore Bancshares (SHBI) Stock Price, News & Analysis

Company Overview

Shore Bancshares, Inc. (NASDAQ: SHBI) is the bank holding company for Shore Community Bank, a commercial bank headquartered in Mount Holly, New Jersey. The company provides a full suite of banking and financial services to individuals and businesses, including deposit accounts, consumer and commercial lending, mortgage financing, and cash management solutions. Through its branch network, Shore Bancshares focuses on delivering community-oriented banking services with an emphasis on personalized customer relationships.

Shore Community Bank’s lending portfolio includes commercial real estate, construction loans, agricultural loans, small business loans under government-sponsored programs, and conventional residential mortgages. On the deposit side, the bank offers checking and savings accounts, money market accounts, and certificates of deposit, supported by online and mobile banking platforms. The company also provides treasury management services designed to help businesses streamline receivables, manage payables, and optimize liquidity.

Serving communities primarily in southern New Jersey, Shore Bancshares has cultivated relationships across Burlington, Camden, Gloucester, and surrounding counties. The bank’s community-focused approach extends to supporting local development projects, charitable organizations, and small business growth initiatives. Through its combination of traditional branch banking and digital delivery channels, Shore Bancshares aims to meet the evolving needs of its regional customer base.

Key Stats

• Today's Range: $15.22 to $15.50
• 50-Day Range: $15.21 to $17.45
• 52-Week Range: $11.47 to $17.67
• Volume: 148,583 shs
• Average Volume: 140,257 shs
• Market Capitalization: $516.00 million
• P/E Ratio: 9.59
• Dividend Yield: 3.11%
• Price Target: $20.00
• Consensus Rating: Moderate Buy

Shore Bancshares Stock Analysis - MarketRank™

Shore Bancshares scored higher than 81% of companies evaluated by MarketBeat, and ranked 312th out of 944 stocks in the finance sector. Scores are calculated by averaging available category scores, with extra weight given to analysis and valuation.

Analyst's Opinion

• Score: 3.7 / 5
• Analyst Rating: Moderate Buy

Consensus Rating

Shore Bancshares has received a consensus rating of Moderate Buy. The company's average rating score is 2.50, and is based on 2 buy ratings, 2 hold ratings, and no sell ratings.

Upside Potential

Shore Bancshares has a consensus price target of $20.00, representing about 29.5% upside from its current price of $15.44.

Amount of Analyst Coverage

Shore Bancshares has only been the subject of 2 research reports in the past 90 days.

Earnings and Valuation

• Score: 3.1 / 5
• Proj. Earnings Growth: 14.47%

Earnings Growth

Earnings for Shore Bancshares are expected to grow by 14.47% in the coming year, from $1.59 to $1.82 per share.

Price to Earnings Ratio vs. the Market

The P/E ratio of Shore Bancshares is 9.59, which means that it is trading at a less expensive P/E ratio than the market average P/E ratio of about 225.41.

Price to Earnings Ratio vs. Sector

The P/E ratio of Shore Bancshares is 9.59, which means that it is trading at a less expensive P/E ratio than the Finance sector average P/E ratio of about 28.57.

Price to Book Value per Share Ratio

Shore Bancshares has a P/B Ratio of 0.95. P/B Ratios below 1 indicate that a company could be undervalued with respect to its assets and liabilities.

Short Interest

• Score: 3.0 / 5
• Short Interest Level: Healthy

Percentage of Shares Shorted

1.45% of the outstanding shares of Shore Bancshares have been sold short.

Short Interest Ratio / Days to Cover

Shore Bancshares has a short interest ratio ("days to cover") of 3.6, which is generally considered an acceptable ratio of short interest to trading volume.

Change versus previous month

Short interest in Shore Bancshares has recently increased by 49.43%, indicating that investor sentiment is decreasing significantly.

Dividend

• Score: 2.5 / 5
• Dividend Strength: Moderate

Dividend Yield

Shore Bancshares pays a meaningful dividend of 3.16%, higher than the bottom 25% of all stocks that pay dividends.

Dividend Growth

Shore Bancshares does not have a long track record of dividend growth.

Dividend Coverage

The dividend payout ratio of Shore Bancshares is 29.81%. This payout ratio is at a healthy, sustainable level, below 75%.

Dividend Sustainability

Based on earnings estimates, Shore Bancshares will have a dividend payout ratio of 26.37% next year. This indicates that Shore Bancshares will be able to sustain or increase its dividend.

Sustainability and ESG

• Score: N/A
• Environmental Score: N/A

Percentage of Shares Shorted

1.45% of the outstanding shares of Shore Bancshares have been sold short.

Short Interest Ratio / Days to Cover

Shore Bancshares has a short interest ratio ("days to cover") of 3.6, which is generally considered an acceptable ratio of short interest to trading volume.

Change versus previous month

Short interest in Shore Bancshares has recently increased by 49.43%, indicating that investor sentiment is decreasing significantly.

News and Social Media

• Score: 1.0 / 5
• News Sentiment: -0.20

News Sentiment

Shore Bancshares has a news sentiment score of -0.20. This score is calculated as an average of sentiment of articles about the company over the last seven days and ranges from 2 (good news) to -2 (bad news). This is a lower news sentiment than the 0.61 average news sentiment score of Finance companies.

News Coverage This Week

MarketBeat has tracked 5 news articles for Shore Bancshares this week, compared to 2 articles on an average week.

Company Ownership

• Score: 2.5 / 5
• Insider Trading: Acquiring Shares

Insider Buying vs. Insider Selling

In the past three months, Shore Bancshares insiders have bought more of their company's stock than they have sold. Specifically, they have bought $150,000.00 in company stock and sold $0.00 in company stock.

Percentage Held by Insiders

Only 8.69% of the stock of Shore Bancshares is held by insiders.

Percentage Held by Institutions

59.76% of the stock of Shore Bancshares is held by institutions. High institutional ownership can be a signal of strong market trust in this company.

SHBI Stock Analysis - Frequently Asked Questions

How have SHBI shares performed this year?

Shore Bancshares' stock was trading at $15.85 on January 1st, 2025. Since then, SHBI shares have decreased by 2.6% and is now trading at $15.44.

How were Shore Bancshares' earnings last quarter?

Shore Bancshares Inc (NASDAQ:SHBI) issued its quarterly earnings results on Monday, September, 19th. The bank reported $0.37 EPS for the quarter. The bank had revenue of $16.91 million for the quarter. Shore Bancshares had a net margin of 15.98% and a trailing twelve-month return on equity of 10.98%.

Who are Shore Bancshares' major shareholders?

Top institutional investors of Shore Bancshares include CWM LLC (0.22%) and Assenagon Asset Management S.A. (0.17%). Insiders that own company stock include Lloyd L Beatty Jr, John Lamon, Konrad Wayson, David S Jones, Clyde V Kelly III, R Michael Clemmer, Dawn M Willey, William E Esham III, David W Moore and Donna J Stevens.
View institutional ownership trends.

How do I buy shares of Shore Bancshares?

Shares of SHBI stock can be purchased through any online brokerage account. Popular online brokerages with access to the U.S. stock market include Charles Schwab, E*TRADE, Fidelity, and Vanguard Brokerage Services.

What other stocks do shareholders of Shore Bancshares own?

Based on aggregate information from My MarketBeat watchlists, some other companies that Shore Bancshares investors own include NVIDIA (NVDA), Broadcom (AVGO), Meta Platforms (META), Adobe (ADBE), ServiceNow (NOW), Advanced Micro Devices (AMD) and Arista Networks (ANET).

Company Calendar

• Last Earnings: 9/19/2022
• Record date for 8/25 Dividend: 8/11/2025
• Ex-Dividend for 8/25 Dividend: 8/11/2025
• Dividend Payable: 8/25/2025
• Today: 10/18/2025
• Next Earnings (Estimated): 10/23/2025
• Fiscal Year End: 12/31/2025

Industry, Sector and Symbol

• Stock Exchange: NASDAQ
• Sector: Finance
• Industry: BANKS - NORTHEAST
• Sub-Industry: Banking
• Current Symbol: NASDAQ:SHBI
• CIK: 1035092
• Web: www.shoreunitedbank.com
• Phone: (410) 763-7800
• Fax: 410-820-7180
• Employees: 450
• Year Founded: 1876

Price Target and Rating

• Average Price Target for Shore Bancshares: $20.00
• High Price Target: $20.00
• Low Price Target: $20.00
• Potential Upside/Downside: +29.5%
• Consensus Rating: Moderate Buy
• Rating Score (0-4): 2.50
• Research Coverage: 4 Analysts

Profitability

• EPS (Trailing Twelve Months): $1.61
• Trailing P/E Ratio: 9.59
• Forward P/E Ratio: 9.71
• P/E Growth: N/A
• Net Income: $43.89 million
• Net Margins: 15.98%
• Pretax Margin: 21.41%
• Return on Equity: 10.98%
• Return on Assets: 0.99%

Debt

• Debt-to-Equity Ratio: 0.22
• Current Ratio: 0.94
• Quick Ratio: 0.94

Sales & Book Value

• Annual Sales: $326.48 million
• Price / Sales: 1.58
• Cash Flow: $1.69 per share
• Price / Cash Flow: 9.15
• Book Value: $16.24 per share
• Price / Book: 0.95

Miscellaneous

• Outstanding Shares: 33,420,000
• Free Float: 30,513,000
• Market Cap: $516.00 million
• Optionable: Optionable
• Beta: 1.10