Patrick Bilbrough - Shore Bancshares CEO of Talbot Bank and President of Talbot Bank

SHBI -  USA Stock  

USD 19.18  0.02  0.10%

  CEO
Mr. Patrick M. Bilbrough is President and Chief Executive Officer of Shore United Bank. Mr. Bilbrough was appointed President and Chief Executive Officer of Shore United Bank in July 2016. Mr. Bilbrough previously served as Talbot Banks President and Chief Executive Officer from December 2012 to June 2016 and as Talbot Banks Executive Vice President since May 2011, when he started with the Company. Prior to his employment with Talbot Bank, Mr. Bilbrough served as the Market Executive of PNC Bank, N.A., of Pittsburgh from 2007 to 2011 where he was responsible for the 11county Delmarva Region. He was concurrently serving as a commercial banking team leader for a 5county area. In 2004, he was named Executive Vice President of Mercantile Eastern Shore Bank and following six months as its Chief Financial Officer, he then served as Senior Lender and Senior Credit Officer prior to the acquisition of Mercantile by PNC in 2007. From 1995 to 2004, Mr. Bilbrough was with the Peoples Bank of Maryland, of Denton, where he had most recently been President and CEO after beginning as its CFO and Comptroller. Mr. Bilbrough graduated from Salisbury University. He is a Certified Public Accountant, a graduate of the RMA Advanced Commercial Lending School, and the Executive Challenge Course sponsored by GAP International, a leadership program for Fortune 500 executives. He serves on the Boards of Directors of the Benedictine School and Choptank Community Health Services. In addition, Mr. Bilbrough is a director of Choptank Transport, Inc., a nationwide 3 rd party logistics provider.
Age: 52  CEO Since 2012      
410 763 7800  https://www.shoreunitedbank.com/shore-bancshares--inc-

Shore Bancshares Management Efficiency

Shore Bancshares has return on total asset (ROA) of 0.57 % which means that it generated profit of $0.57 on every $100 spent on asset. This is way below average. Similarly, it shows return on stockholders equity (ROE) of 5.63 %, meaning that it created $5.63 on every $100 dollars invested by stockholders. Shore Bancshares management efficiency ratios could be used to measure how well the company manages its routine affairs as well as how well it operates its assets and liabilities.
The company currently holds 68.61 M in liabilities with Debt to Equity (D/E) ratio of 6.72, indicating the company may have difficulties to generate enough cash to satisfy its financial obligations. Debt can assist Shore Bancshares until it has trouble settling it off, either with new capital or with free cash flow. So, Shore Bancshares' shareholders could walk away with nothing if the company can't fulfill its legal obligations to repay debt. However, a more frequent occurrence is when companies like Shore Bancshares sell additional shares at bargain prices, diluting existing shareholders. Debt, in this case, can be an excellent and much better tool for Shore to invest in growth at high rates of return. When we think about Shore Bancshares' use of debt, we should always consider it together with cash and equity.
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.

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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 is traded on NASDAQ Exchange in the United States. Shore Bancshares (SHBI) is traded on NASDAQ Exchange in USA and employs 287 people.

Shore Bancshares Leadership Team

Elected by the shareholders, the Shore Bancshares' board of directors comprises two types of representatives: Shore Bancshares inside directors who are chosen from within the company, and outside directors, selected externally and held independent of Shore. The board's role is to monitor Shore Bancshares' management team and ensure that shareholders' interests are well served. Shore Bancshares' inside directors are responsible for reviewing and approving budgets prepared by upper management to implement core corporate initiatives and projects. On the other hand, Shore Bancshares' outside directors are responsible for providing unbiased perspectives on the board's policies.
James Judge, Independent Director
David Moore, Independent Director
Lloyd Beatty, CEO and President Director, Member of Executive Committee and President of Talbot Bank and Director of Talbot Bank
David Bates, Independent Director
David Morse, General Counsel and Secretary
Patrick Bilbrough, CEO of Talbot Bank and President of Talbot Bank
WDavid Morse, General Counsel, Secretary
George Rapp, CFO, Vice President
Blenda Armistead, Independent Director
Michael Clemmer, Independent Director
John Wilson, Independent Director
Christopher Spurry, Independent Chairman of the Board
Clyde Kelly, Independent Director
Donna Stevens, COO
Jeffrey Thompson, Independent Director
Edward Allen, CEO of CNB and President of CNB
David Fike, Independent Director
Moorhead Vermilye, Director
Frank Mason, Independent Director
Richard Trippe, CEO of Avon Dixon and President of Avon Dixon

Shore Stock Performance Indicators

The ability to make a profit is the ultimate goal of any investor. But to identify the right stock is not an easy task. Is Shore Bancshares a good investment? Although profit is still the single most important financial element of any organization, multiple performance indicators can help investors identify the equity that they will appreciate over time.

Shore Bancshares Investors Sentiment

The influence of Shore Bancshares' investor sentiment on the probability of its price appreciation or decline could be a good factor in your decision-making process regarding taking a position in Shore. The overall investor sentiment generally increases the direction of a stock movement in a one-year investment horizon. However, the impact of investor sentiment on the entire stock markets does not have a solid backing from leading economists and market statisticians.
Some investors attempt to determine whether the market's mood is bullish or bearish by monitoring changes in market sentiment. Unlike more traditional methods such as technical analysis, investor sentiment usually refers to the aggregate attitude towards Shore Bancshares in the overall investment community. So, suppose investors can accurately measure the market's sentiment. In that case, they can use it for their benefit. For example, some tools to gauge market sentiment could be utilized using contrarian indexes, Shore Bancshares' short interest history, or implied volatility extrapolated from Shore Bancshares options trading.

Current Sentiment - SHBI

Shore Bancshares Investor Sentiment

Most of Macroaxis users are at this time bullish on Shore Bancshares. What is your outlook on investing in Shore Bancshares? Are you bullish or bearish?
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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.