SHBI Valuation

Shore Bancshares Inc

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15.950

-0.25(-1.543%)1D

SHBI Relative Valuation

SHBI's fair value is calculated using relative valuation, based on historical P/E and P/S ranges and their premiums/discounts relative to a competitor average, adjusted by weights. If the market price exceeds this fair value range, SHBI is overvalued; if below, it's undervalued.

Historical Valuation

Shore Bancshares Inc (SHBI) is now in the Fair zone, suggesting that its current forward PE ratio of 8.55 is considered Fairly compared with the five-year average of 11.42. The fair price of Shore Bancshares Inc (SHBI) is between 16.14 to 29.26 according to relative valuation methord.

Relative Value

Fair Zone

16.14-29.26

Current Price：16.20

Fair

8.55

Trailing

Forward

0.00

EV/EBITDA

Shore Bancshares Inc. (SHBI) has a current EV/EBITDA of 0.00. The 5-year average EV/EBITDA is 0.00. The thresholds are as follows: Strongly Undervalued below 0.00, Undervalued between 0.00 and 0.00, Fairly Valued between 0.00 and 0.00, Overvalued between 0.00 and 0.00, and Strongly Overvalued above 0.00. The current Forward EV/EBITDA of 0.00 falls within the Strongly Undervalued range.

0.00

EV/EBIT

Shore Bancshares Inc. (SHBI) has a current EV/EBIT of 0.00. The 5-year average EV/EBIT is 0.00. The thresholds are as follows: Strongly Undervalued below 0.00, Undervalued between 0.00 and 0.00, Fairly Valued between 0.00 and 0.00, Overvalued between 0.00 and 0.00, and Strongly Overvalued above 0.00. The current Forward EV/EBIT of 0.00 falls within the Strongly Undervalued range.

16.20

Shore Bancshares Inc. (SHBI) has a current PS of 16.20. The 5-year average PS is 2.62. The thresholds are as follows: Strongly Undervalued below 0.28, Undervalued between 0.28 and 1.45, Fairly Valued between 3.79 and 1.45, Overvalued between 3.79 and 4.96, and Strongly Overvalued above 4.96. The current Forward PS of 16.20 falls within the Strongly Overvalued range.

0.00

P/OCF

Shore Bancshares Inc. (SHBI) has a current P/OCF of 0.00. The 5-year average P/OCF is 0.00. The thresholds are as follows: Strongly Undervalued below 0.00, Undervalued between 0.00 and 0.00, Fairly Valued between 0.00 and 0.00, Overvalued between 0.00 and 0.00, and Strongly Overvalued above 0.00. The current Forward P/OCF of 0.00 falls within the Strongly Undervalued range.

0.00

P/FCF

Shore Bancshares Inc. (SHBI) has a current P/FCF of 0.00. The 5-year average P/FCF is 1.40. The thresholds are as follows: Strongly Undervalued below -10.98, Undervalued between -10.98 and -4.79, Fairly Valued between 7.59 and -4.79, Overvalued between 7.59 and 13.78, and Strongly Overvalued above 13.78. The current Forward P/FCF of 0.00 falls within the Historic Trend Line -Fairly Valued range.

Shore Bancshares Inc (SHBI) has a current Price-to-Book (P/B) ratio of 0.94. Compared to its 3-year average P/B ratio of 0.84 , the current P/B ratio is approximately 12.02% higher. Relative to its 5-year average P/B ratio of 0.92, the current P/B ratio is about 1.91% higher. Shore Bancshares Inc (SHBI) has a Forward Free Cash Flow (FCF) yield of approximately 0.00%. Compared to its 3-year average FCF yield of 6.64%, the current FCF yield is approximately -100.00% lower. Relative to its 5-year average FCF yield of 6.22% , the current FCF yield is about -100.00% lower.

0.94

P/B

Median3y

0.84

Median5y

0.92

0.00

FCF Yield

Median3y

6.64

Median5y

6.22

Competitors Valuation Multiple

The average P/S ratio for SHBI's competitors is 21.18, providing a benchmark for relative valuation. Shore Bancshares Inc Corp (SHBI) exhibits a P/S ratio of 16.20, which is -23.51% above the industry average. Given its robust revenue growth of 11.96%, this premium appears unsustainable.

P/S

P/E

EV/EBITDA

EV/EBIT

P/S

Revenue Growth

Market Cap

HarborOne Bancorp Inc

GBank Financial Holdings Inc

Performance Decomposition

Market capitalization of SHBI decreased by 0.80% over the past 1 year. The primary factor behind the change was an increase in Margin Expansion from 24.49 to 28.05.

The secondary factor is the Revenue Growth, contributed 11.96%to the performance.

Overall, the performance of SHBI in the past 1 year is driven by Margin Expansion. Which is more sustainable.

11.96%

45.69M → 51.15M

Revenue Growth

14.54%

24.49 → 28.05

Margin Expansion

-27.30%

13.07 → 9.50

P/E Change

-0.80%