Shore Bancshares Debt to Equity vs. Beta

SHBI
 Stock
  

USD 18.72  0.81  4.52%   

For Shore Bancshares profitability analysis, we use financial ratios and fundamental drivers that measure the ability of Shore Bancshares to generate income relative to revenue, assets, operating costs, and current equity. These fundamental indicators attest to how well Shore Bancshares utilizes its assets to generate profit and value for its shareholders. The profitability module also shows relationships between Shore Bancshares's most relevant fundamental drivers. It provides multiple suggestions of what could affect the performance of Shore Bancshares over time as well as its relative position and ranking within its peers. Additionally, take a look at World Market Map.
  
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Shore Bancshares Price to Sales Ratio is most likely to increase slightly in the upcoming years. The last year's value of Price to Sales Ratio was reported at 3.23. The current Sales per Share is estimated to increase to 6.86, while Return on Sales is projected to decrease to 0.22. The current Net Income is estimated to increase to about 16.6 M, while Accumulated Other Comprehensive Income is projected to decrease to (68.9 K).

Shore Bancshares Revenues

71.51 Million

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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.
Quarterly Earnings Growth YOY
-0.18
Market Capitalization
355.4 M
Quarterly Revenue Growth YOY
0.75
Return On Assets
0.0061
Return On Equity
0.062
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.

Shore Bancshares Beta vs. Debt to Equity Fundamental Analysis

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.
Shore Bancshares is currently regarded as top stock in debt to equity category among related companies. It is currently regarded as top stock in beta category among related companies totaling about  0.14  of Beta per Debt to Equity. The ratio of Debt to Equity to Beta for Shore Bancshares is roughly  7.23 . 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 Beta vs. Debt to Equity

Debt to Equity is calculated by dividing the Total Debt of a company by its Equity. If the debt exceeds equity of a company, then the creditors have more stakes in a firm than the stockholders. In other words, Debt to Equity ratio provides analysts with insights about composition of both equity and debt, and its influence on the valuation of the company.
Shore Bancshares 
D/E 
 = 
Total Debt 
Total Equity 
6.72 %
High Debt to Equity ratio typically indicates that a firm has been borrowing aggressively to finance its growth and as a result may experience a burden of additional interest expense. This may reduce earnings or future growth. On the other hand a small D/E ratio may indicate that a company is not taking enough advantage from financial leverage. Debt to Equity ratio measures how the company is leveraging borrowing against the capital invested by the owners.
Beta is one of the most important measures of equity market volatility. Beta can be thought of as asset elasticity or sensitivity to market. In other words, it is a number that shows the relationship of an equity instrument to the financial market in which this instrument is traded. For example, if Beta of equity is 2, it will be expected to significantly outperform market when the market is going up and significantly underperform when the market is going down. Similarly, Beta of 1 indicates that an asset and market will generate similar returns over time.
Shore Bancshares 
Beta 
 = 
Covariance 
Variance 
0.93
In a nutshell, Beta is a measure of individual stock risk relative to the overall volatility of the stock market. and is calculated based on very sound finance theory - Capital Assets Pricing Model (CAPM).However, since Beta is calculated based on historical price movements it may not predict how a firm's stock is going to perform in the future.

Beta Analysis

Let's try to break down what Shore's beta means in this case. Shore Bancshares returns are very sensitive to returns on the market. As the market goes up or down, Shore Bancshares is expected to follow.

Shore Bancshares Profitability Projections

The most important aspect of a successful company is its ability to generate a profit. For investors in Shore Bancshares, profitability is also one of the essential criteria for including it into their portfolios because, without profit, Shore Bancshares will eventually generate negative long term returns. The profitability progress is the general direction of Shore Bancshares' change in net profit over the period of time. It can combine multiple indicators of Shore Bancshares, where stable trends show no significant progress. An accelerating trend is seen as positive, while a decreasing one is unfavorable. A rising trend means that profits are rising, and operational efficiency may be rising as well. A decreasing trend is a sign of poor performance and may indicate upcoming losses.
Last ReportedProjected for 2022
Accumulated Other Comprehensive Income-63.9 K-68.9 K
Consolidated Income8.2 M7.4 M
Net Income15.4 M16.6 M
Net Income Common Stock8.2 M7.3 M
Operating Income13.2 M11.8 M
Preferred Dividends Income Statement Impact1.7 M1.7 M
Income Tax Expense5.1 M4.4 M
Net Income Per Employee34.5 K27.5 K
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 454 people.

Shore Profitability Driver Comparison

Profitability drivers are factors that can directly affect your investment outlook on Shore Bancshares. Investors often realize that things won't turn out the way they predict. There are maybe way too many unforeseen events and contingencies during the holding period of Shore Bancshares position where the market behavior may be hard to predict, tax policy changes, gold or oil price hikes, calamities change, and many others. The question is, are you prepared for these unexpected events? Although some of these situations are obviously beyond your control, you can still follow the important profit indicators to know where you should focus on when things like this occur. Below are some of the Shore Bancshares' important profitability drivers and their relationship over time.

Learn to be your own money manager

Our tools can tell you how much better you can do entering a position in Shore Bancshares without increasing your portfolio risk or giving up expected return. As an individual investor, you need to find a reliable way to track all your investment portfolios. However, your requirements will often be based on how much of the process you decide to do yourself. In addition to allowing all investors analytical transparency into all their portfolios, our tools can evaluate.risk-adjusted returns of your individual positions relative to your overall portfolio.

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Use Investing Themes to Complement your Shore Bancshares position

In addition to having Shore Bancshares in your portfolios, you can quickly add positions using our predefined set of ideas and optimize them against your very unique investing style. A single investing idea is a collection of funds, stocks, ETFs, or cryptocurrencies that are programmatically selected from a pull of investment themes. After you determine your investment opportunity, you can then find an optimal portfolio that will maximize potential returns on the chosen idea or minimize its exposure to market volatility.

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Airlines
Airlines Theme
Domestic and international airlines and airline services. The Airlines theme has 30 constituents.
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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 Idea Analyzer module to analyze all characteristics, volatility and risk-adjusted return of Macroaxis ideas.

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To fully project Shore Bancshares' future profitability, investors should examine all historical financial statements. These statements provide investors with a comprehensive snapshot of the financial position of Shore Bancshares at a specified time, usually calculated after every quarter, six months, or one year. 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 can use historical trends found within financial statements to determine how well the company is positioned for the future. Although Shore Bancshares investors may work on 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.