Shore Bancshares, Inc.
SHBIFinancial ServicesNASDAQBanks - Regional
Scan Results
Daily timeframeShore Bancshares, Inc. operates as a bank holding company for Shore United Bank, N.A. With a market capitalization of $697.6M, it sits in small-cap territory. that provides various consumer and commercial banking products and services to individuals, businesses, and other organizations in the United States.
Market Cap
$697.6M
Beta
0.82
P/E (TTM)
11.09
P/E (Fwd)
9.43
EPS (TTM)
$1.88
EPS (Fwd)
$2.21
ROE
10.9%
ROA
1.0%
Cash
$341.3M
Total Debt
$99.7M
Free CF
—
52W Change
43.6%
Annual Financials
Cash vs Debt
The balance sheet looks solid with $341.3M in cash comfortably exceeding the $99.7M debt load. A net cash position generally provides financial flexibility during uncertain economic periods. Return on equity stands at 10.9%, which is decent for the sector. ROE measures how effectively a company uses shareholder capital to generate profits. ROA of 1.0% is on the lower side, which is common in asset-heavy industries. Revenue has grown from $124.4M (2022) to $225.1M (2025), reflecting a 81% increase over the period.
The strong cash position relative to debt provides a financial cushion that reduces balance sheet risk. These risk factors are not exhaustive — macroeconomic shifts, regulatory changes, and competitive dynamics can all influence Shore Bancshares, Inc.'s trajectory.