Shore Stock Financials

SHBI -  USA Stock  

USD 19.82  0.17  0.85%

Understanding current and past Shore Bancshares Financials, including the trends in assets, liabilities, equity and income are directly related to making proper and timely investing decisions. All of Shore Bancshares' financial statements are interrelated, with each one affecting the others. For example, an increase in Shore Bancshares' assets may result in an increase in income on the income statement. Because of this, it is necessary to analyze all of Shore Bancshares' financials over time to get the whole picture.
Shore Bancshares Free Cash Flow is most likely to decrease significantly in the upcoming years. The last year's value of Free Cash Flow was reported at 12.24 Million. The current Market Capitalization is estimated to increase to about 162.5 M, while Revenue Per Employee is projected to decrease to roughly 197.6 K.
You can harness fundamental analysis to find out if Shore Bancshares is mispriced or if you can make any profits on it by purchasing it and then waiting for the market to recognize its mistake and reprise the security. We have analyzed thirty-four available drivers for Shore Bancshares, which can be compared to its competition. To make sure the equity is not overpriced, please validate all Shore Bancshares financials, including its debt to equity, market capitalization, and the relationship between the net income and earnings per share . Given that Shore Bancshares has a number of shares shorted of 92.1 K, we advise you to double-check Shore Bancshares current market performance to make sure the company can sustain itself down the road. Use Shore Bancshares to protect your portfolios against small market fluctuations. The stock experiences a moderate downward daily trend and can be a good diversifier. Check odds of Shore Bancshares to be traded at $19.42 in 90 days.

Shore Fundamentals 

With this module, you can analyze Shore financials for your investing period. You should be able to track the changes in Shore Bancshares individual financial statements over time to develop the understanding of its risk, liquidity, profitability, or other critical and vital indicators.
The fundamental analysis of Shore Bancshares is a critical element in measuring its lifeblood. The essential information of the day-to-day investment outlook for Shore Bancshares includes many different criteria found on its balance sheet. For example, investors should never minimize Shore Bancshares' ability to pay suppliers or employees on time, making sure interest payments are not accumulating or correctly timing where and how to re-invest extra cash. Any individual investor needs to monitor Shore Bancshares' cash flow, debt, and profitability to effectively and accurately make more informed decisions on whether to invest in Shore Bancshares.

Shore Bancshares Cash

Chance Of Financial Distress
Less than 9
Shore Bancshares has less than 9 (%) percent chance of experiencing financial distress in the next two years of operations. The calculation of odds of distress for Shore Bancshares stock is tightly coupled with the Probability of Bankruptcy. It complements the equity performance score by supplying investors with insight into company financials without requiring them to know too much about all of the complex accounting and financial indicators surrounding the entity. More Info
The data published in Shore Bancshares' official financial statements usually reflect Shore Bancshares' business processes, product offerings, services, and other fundamental events. But there are other numbers, ratios, or fundamental indicators derived from these statements that are easier to understand and visualize within the underlying realities that drive quantitative information of Shore Bancshares. For example, before you start analyzing numbers published by Shore accountants, it's critical to develop an understanding of what Shore Bancshares' liquidity, profitability, and earnings quality are in the context of the Financial Services space in which it operates.
Please note, the presentation of Shore Bancshares' financial position, as portrayed in its financial statements, is often influenced by management's estimates, judgments, and sometimes even manipulations. In the best case, Shore Bancshares' management is honest, while the outside auditors are strict and uncompromising. Whatever the case, the imprecision that can be found in Shore Bancshares' accounting process means that the reasonable investor should take a skeptical approach toward the financial statement analysis of Shore Bancshares. Please utilize our Beneish M Score to check the likelihood of Shore Bancshares' management to manipulate its earnings.

Shore Bancshares Company Summary

Shore Bancshares competes with BRASIL ON, Hdfc Bank, and PNC Bank. Shore Bancshares, Inc. operates as a bank holding company for the Shore United Bank that provides various commercial and consumer banking products and services to individuals, businesses, and other organizations. The company was founded in 1876 and is headquartered in Easton, Maryland. Shore Bancshares operates under BanksRegional classification in the United States and is traded on NASDAQ Exchange. It employs 287 people.
InstrumentUSA Stock View All
ExchangeNASDAQ Exchange
CIK Number0001035092
RegionNorth America
Business Address18 E Dover
SectorFinancial Services
Phone410 763 7800
CurrencyUSD - US Dollar
You should never invest in Shore Bancshares without having analyzed its financial statements. Do not rely on someone else's analysis or guesses about the future performance of Shore Stock, because this is throwing your money away. Analyzing the key information contained in Shore Bancshares' financial statements can give you an edge over other investors and help to ensure that your investments perform well for you.

Shore Bancshares Key Financial Ratios

Generally speaking, Shore Bancshares' financial ratios allow both analysts and investors to convert raw data from Shore Bancshares' financial statements into concise, actionable information that can be used to evaluate the performance of Shore Bancshares over time and compare it to other companies across industries. There are many critical financial ratios that investors are exposed to on a daily basis, but they are usually grouped into few meaningful categories from each financial statement that Shore Bancshares reports annually and quarterly.

Shore Bancshares Key Balance Sheet Accounts

201720182019202020212022 (projected)
Total Assets1.39 B1.48 B1.56 B1.93 B1.74 B1.46 B
Cash and Equivalents31.82 M67.22 M94.97 M186.92 M168.23 M181.51 M
Shareholders Equity163.74 M183.19 M192.8 M195.02 M175.52 M155.06 M
Total Liabilities1.23 B1.3 B1.37 B1.74 B1.56 B1.31 B

Shore Bancshares Key Income Statement Accounts

An income statement is very similar to a cash flow statement, but instead of showing net revenue minus expenses, it only includes earnings before interest and taxes (EBIT). This number does not have all of the same line items that are on a cash flow statement, but it leaves out non-cash expenses like depreciation and amortization. For example, if you bought $100 worth of goods from Walmart (WMT) using your debit card that has an interest rate of 20%, then paid off the balance at the end of the month with a credit card that charges 30% interest, you would have an income statement showing EBIT of $80 because your expenses are lower than the amount that went into your pocket. The other reason investors look at the income statement is to determine what Shore Bancshares' earnings per share (EPS) will be in order to see if they want to buy more shares or not. For example, if a company earned $20 million in the last quarter and has 100,000 shares outstanding, its EPS is 20 cents. If you find that this number beats analysts' forecasts or is higher than it was from the same period last year, then you might want to buy more of this stock even though its price per share may not have changed.
201720182019202020212022 (projected)
Net Income11.26 M25 M16.2 M15.73 M14.16 M15.27 M
Revenues65.55 M64.92 M69.79 M70.43 M63.38 M60.13 M
Weighted Average Shares12.68 M12.74 M12.72 M12.38 M11.14 M10.48 M
Weighted Average Shares Diluted12.72 M12.75 M12.73 M12.38 M11.14 M10.48 M

Shore Bancshares Key Cash Accounts

Cash flow analysis captures how much money flows into and out of Shore Bancshares. It measures of how well Shore is doing because it can show the actual money that comes into and out of the company from sales instead of measuring expenses against revenue to determine earnings. You have to read the cash flow statement in three sections. The first section shows how much money Shore Bancshares brought in, usually known as net revenue or sales. This is different from earnings because it does not include expenses when determining net revenue for use on this part of the cash flow statement. Next, are operating activities, which show how much money Shore had leftover after paying for its expenses. This number can be calculated in two ways: by subtracting the total of all operating expenses from net revenue or by adding up changes to cash and other assets or liabilities on this part of the statement. The third section is about investing activities, which shows what Shore Bancshares has done with the money that it received from the sale of assets or what it spent to acquire new ones. This section can be broken down into two parts: investing in existing businesses (in other words, buying more stock) and investing in non-business activities like paying off debt or making acquisitions.
201720182019202020212022 (projected)
Net Cash Flow from Financing8.66 M59.56 M59.68 M353.6 M318.24 M343.36 M
Net Cash Flow from Investing(70.22 M)(42.45 M)(45.68 M)(280.08 M)(322.09 M)(330.57 M)
Net Cash Flow from Operations17.44 M18.3 M13.74 M18.43 M21.19 M21.77 M

Shore Financial Ratios Relationships

Comparative valuation techniques use various fundamental indicators to help in determining Shore Bancshares's current stock value. Our valuation model uses many indicators to compare Shore Bancshares value to that of its competitors to determine the firm's financial worth. You can analyze the relationship between different fundamental ratios across Shore Bancshares competition to find correlations between indicators driving Shore Bancshares's intrinsic value. More Info.
Shore Bancshares is rated second in price to book category among related companies. It is rated fourth in book value per share category among related companies creating about  14.53  of Book Value Per Share per Price to Book. Shore Bancshares Book Value per Share is most likely to increase slightly in the upcoming years. The last year's value of Book Value per Share was reported at 13.38. Comparative valuation analysis is a catch-all model that can be used if you cannot value Shore Bancshares by discounting back its dividends or cash flows. This model doesn't attempt to find an intrinsic value for Shore Bancshares' Stock . Still, instead, it compares the stock's price multiples to a benchmark or nearest competition to determine if the stock is relatively undervalued or overvalued. The reason why the comparable model can be used in almost all circumstances is due to the vast number of multiples that can be utilized, such as the price-to-earnings (P/E), price-to-book (P/B), price-to-sales (P/S), price-to-cash flow (P/CF), and many others. The P/E ratio is the most commonly used of these ratios because it focuses on the Shore Bancshares' earnings, one of the primary drivers of an investment's value.

Shore Bancshares Systematic Risk

Shore Bancshares' systematic risk plays a vital role in portfolio allocation when considering its stock to be added to a well-diversified portfolio. Shore Bancshares volatility which cannot be eliminated through diversification, requires returns over the risk-free rate. Over the long run, a well-diversified portfolio provides returns that match its exposure to systematic risk. In this case, investors face a trade-off between expected returns and systematic risk and, therefore, can only reduce a portfolio's exposure to systematic risk by sacrificing expected returns on the portfolio.
The output start index for this execution was one hundred one with a total number of output elements of one hundred fifty-eight. The Beta measures systematic risk based on how returns on Shore Bancshares correlated with the market. If Beta is less than 0 Shore Bancshares generally moves in the opposite direction as compared to the market. If Shore Bancshares Beta is about zero movement of price series is uncorrelated with the movement of the benchmark. if Beta is between zero and one Shore Bancshares is generally moves in the same direction as, but less than the movement of the market. For Beta = 1 movement of Shore Bancshares is generally in the same direction as the market. If Beta > 1 Shore Bancshares moves generally in the same direction as, but more than the movement of the benchmark. View also all equity analysis or get more info about beta statistic functions indicator.

About Shore Bancshares Financials

What exactly are Shore Bancshares Financials? Typically, a company's financial statements are the reports that show the financial position of the company. Three primary documents fall into the category of financial statements. These documents include Shore Bancshares' income statement, its balance sheet, and the statement of cash flows. Potential Shore Bancshares investors and stakeholders use financial statements to determine how well the company is positioned to perform in the future. Although Shore Bancshares investors may use each financial statement separately, they are all related. The changes in Shore Bancshares's assets and liabilities, for example, are also reflected in the revenues and expenses that we see on Shore Bancshares's income statement, which results in the company's gains or losses. Cash flows can provide more information regarding cash listed on a balance sheet, but not equivalent to net income shown on the income statement. Please read more on our technical analysis and fundamental analysis pages.
 2019 2020 2021 2022 (projected)
Cash and Equivalents94.97 M186.92 M168.23 M181.51 M
Total Assets1.56 B1.93 B1.74 B1.46 B
There are several different ways that investors can use financial statements to try and predict whether a stock price will go up or down. Unfortunately, there is no surefire formula, but there are some general guidelines that you should keep in mind when looking at the numbers. First, realize what kind of company it is so you know if its revenues are more likely to grow or shrink over time. For example, a software company's revenue is expected to increase year after year due to new products and services that its customers will want to buy. At the same time, a car manufacturer might not be able to sell as many cars when the economy slows down, so it would have less net income during those times. Second, pay attention to its debt to equity ratio because this number will tell you how much risk it has. If a company such as Shore Bancshares is not taking on any additional risks, its debt-to-equity should be less than one. As a general rule of thumb, if the market value or book value (which can be found in the footnotes) of assets exceeds the company's liabilities, then it is probably in good shape. Finally, use other financial statements to try and figure out if a stock price will go up or down because investors are always looking for growth opportunities when they buy new stocks. For example, if you see that net revenue of Shore grown by more than 25% over the last five years, then there is a good chance that it will continue growing at least by 20% or more each year. On the other hand, if you see that net revenue has only grown by about 15%, which is barely above inflation levels, then chances are it will not grow much faster than this over time, and investors may shy away from buying it.

Shore Bancshares January 28, 2022 Opportunity Range

Along with financial statement analysis, the daily predictive indicators of Shore Bancshares help investors to analyze its daily demand and supply, volume, patterns, and price swings to determine the real value of Shore Bancshares. We use our internally-developed statistical techniques to arrive at the intrinsic value of Shore Bancshares based on widely used predictive technical indicators. In general, we focus on analyzing Shore Stock price patterns and their correlations with different microeconomic environment and drivers. We also apply predictive analytics to build Shore Bancshares's daily price indicators and compare them against related drivers.
Downside Deviation1.4
Information Ratio0.0557
Maximum Drawdown10.5
Value At Risk(2.41)
Potential Upside2.72
Additionally, take a look at World Market Map. Note that the Shore Bancshares information on this page should be used as a complementary analysis to other Shore Bancshares' statistical models used to find the right mix of equity instruments to add to your existing portfolios or create a brand new portfolio. You can also try Piotroski F Score module to get Piotroski F Score based on binary analysis strategy of nine different fundamentals.

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When running Shore Bancshares price analysis, check to measure Shore Bancshares' market volatility, profitability, liquidity, solvency, efficiency, growth potential, financial leverage, and other vital indicators. We have many different tools that can be utilized to determine how healthy Shore Bancshares is operating at the current time. Most of Shore Bancshares' value examination focuses on studying past and present price action to predict the probability of Shore Bancshares' future price movements. You can analyze the entity against its peers and financial market as a whole to determine factors that move Shore Bancshares' price. Additionally, you may evaluate how the addition of Shore Bancshares to your portfolios can decrease your overall portfolio volatility.
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Is Shore Bancshares' industry expected to grow? Or is there an opportunity to expand the business' product line in the future? Factors like these will boost the valuation of Shore Bancshares. If investors know Shore will grow in the future, the company's valuation will be higher. The financial industry is built on trying to define current growth potential and future valuation accurately. All the valuation information about Shore Bancshares listed above have to be considered, but the key to understanding future value is determining which factors weigh more heavily than others.
The market value of Shore Bancshares is measured differently than its book value, which is the value of Shore that is recorded on the company's balance sheet. Investors also form their own opinion of Shore Bancshares' value that differs from its market value or its book value, called intrinsic value, which is Shore Bancshares' true underlying value. Investors use various methods to calculate intrinsic value and buy a stock when its market value falls below its intrinsic value. Because Shore Bancshares' market value can be influenced by many factors that don't directly affect Shore Bancshares' underlying business (such as a pandemic or basic market pessimism), market value can vary widely from intrinsic value.
Please note, there is a significant difference between Shore Bancshares' value and its price as these two are different measures arrived at by different means. Investors typically determine Shore Bancshares value by looking at such factors as earnings, sales, fundamental and technical indicators, competition as well as analyst projections. However, Shore Bancshares' price is the amount at which it trades on the open market and represents the number that a seller and buyer find agreeable to each party.