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 9.19 is considered Fairly compared with the five-year average of 11.22. The fair price of Shore Bancshares Inc (SHBI) is between 15.27 to 28.82 according to relative valuation methord.
Relative Value
Fair Zone
15.27-28.82
Current Price：18.11
Fair
9.19
PE
1Y
3Y
5Y
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.
2.47
PS
Shore Bancshares Inc. (SHBI) has a current PS of 2.47. The 5-year average PS is 2.53. The thresholds are as follows: Strongly Undervalued below 1.09, Undervalued between 1.09 and 1.81, Fairly Valued between 3.25 and 1.81, Overvalued between 3.25 and 3.97, and Strongly Overvalued above 3.97. The current Forward PS of 2.47 falls within the Historic Trend Line -Fairly Valued 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 1.29. The thresholds are as follows: Strongly Undervalued below -10.62, Undervalued between -10.62 and -4.67, Fairly Valued between 7.24 and -4.67, Overvalued between 7.24 and 13.20, and Strongly Overvalued above 13.20. 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 1.01. Compared to its 3-year average P/B ratio of 0.83 , the current P/B ratio is approximately 20.83% higher. Relative to its 5-year average P/B ratio of 0.93, the current P/B ratio is about 8.95% higher. Shore Bancshares Inc (SHBI) has a Forward Free Cash Flow (FCF) yield of approximately 14.19%. Compared to its 3-year average FCF yield of 7.07%, the current FCF yield is approximately 100.70% lower. Relative to its 5-year average FCF yield of 6.47% , the current FCF yield is about 119.20% lower.
1.01
P/B
Median3y
0.83
Median5y
0.93
14.19
FCF Yield
Median3y
7.07
Median5y
6.47
Competitors Valuation Multiple
The average P/S ratio for SHBI's competitors is 2.79, providing a benchmark for relative valuation. Shore Bancshares Inc Corp (SHBI) exhibits a P/S ratio of 2.47, which is -11.44% above the industry average. Given its robust revenue growth of 11.96%, this premium appears unsustainable.
Performance Decomposition
1Y
3Y
5Y
Market capitalization of SHBI increased by 8.37% 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.
People Also Watch
TALK
Talkspace Inc
4.04USD
1.00%
NNDM
Nano Dimension Ltd
1.68USD
1.82%
RZLV
Rezolve AI PLC
3.71USD
14.15%
CCNE
CNB Financial Corp
26.5USD
2.44%
ASC
Ardmore Shipping Corp
11.88USD
1.80%
UHT
Universal Health Realty Income Trust
40.02USD
0.00%
EYPT
EyePoint Inc
17.08USD
-1.67%
RSVR
Reservoir Media Inc
7.36USD
0.14%
BGS
B&G Foods Inc
4.15USD
3.75%
Frequently Asked Questions
Is Shore Bancshares Inc (SHBI) currently overvalued or undervalued?
Shore Bancshares Inc (SHBI) is now in the Fair zone, suggesting that its current forward PE ratio of 9.19 is considered Fairly compared with the five-year average of 11.22. The fair price of Shore Bancshares Inc (SHBI) is between 15.27 to 28.82 according to relative valuation methord.
What is Shore Bancshares Inc (SHBI) fair value?
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. The fair price of Shore Bancshares Inc (SHBI) is between 15.27 to 28.82 according to relative valuation methord.
How does SHBI's valuation metrics compare to the industry average?
The average P/S ratio for SHBI's competitors is 2.79, providing a benchmark for relative valuation. Shore Bancshares Inc Corp (SHBI) exhibits a P/S ratio of 2.47, which is -11.44% above the industry average. Given its robust revenue growth of 11.96%, this premium appears unsustainable.
What is the current P/B ratio for Shore Bancshares Inc (SHBI) as of Jan 08 2026?
As of Jan 08 2026, Shore Bancshares Inc (SHBI) has a P/B ratio of 1.01. This indicates that the market values SHBI at 1.01 times its book value.
What is the current FCF Yield for Shore Bancshares Inc (SHBI) as of Jan 08 2026?
As of Jan 08 2026, Shore Bancshares Inc (SHBI) has a FCF Yield of 14.19%. This means that for every dollar of Shore Bancshares Inc’s market capitalization, the company generates 14.19 cents in free cash flow.
What is the current Forward P/E ratio for Shore Bancshares Inc (SHBI) as of Jan 08 2026?
As of Jan 08 2026, Shore Bancshares Inc (SHBI) has a Forward P/E ratio of 9.19. This means the market is willing to pay $9.19 for every dollar of Shore Bancshares Inc’s expected earnings over the next 12 months.
What is the current Forward P/S ratio for Shore Bancshares Inc (SHBI) as of Jan 08 2026?
As of Jan 08 2026, Shore Bancshares Inc (SHBI) has a Forward P/S ratio of 2.47. This means the market is valuing SHBI at $2.47 for every dollar of expected revenue over the next 12 months.