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Shore Bancshares SHBI
$ 18.1 -1.36%

Annual report 2025
added 03-02-2026

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Shore Bancshares Financial Ratios 2011-2026 | SHBI

Annual Financial Ratios Shore Bancshares

2025 2024 2023 2022 2021 2020 2019 2018 2017 2016 2015 2014 2013 2012 2011

P/E

10.5 14.2 25.5 9.4 100.5 10.4 12.7 7.8 20.5 20.9 20.3 20.0 -8.5 -4.7 -51.7

P/S

30.1 29.9 15.6 19.0 24.9 2.6 3.5 3.3 3.7 3.7 2.9 2.1 1.6 0.9 0.8

EPS

1.8 1.3 0.4 1.6 1.2 1.3 1.3 2.0 0.9 0.8 0.6 0.5 -1.1 -1.1 -0.1

EV (Enterprise Value)

5.94 B 5.85 B 5.41 B 3.35 B 2.8 B 1.72 B 1.48 B 1.43 B 1.43 B 1.13 B 1.06 B 965 M 902 M 917 M 956 M

EBITDA per Share

0.13 0.13 0.12 0.12 0.11 1.31 - - - - - - - - -

EV/EBITDA

1858.8 1.6 - - - - - - - - -

PEG

- -45.37 -0.36 0.06 1.24 0.59 0.92 0.14 -4.46 0.01 -1.15

P/B

1.1 1.2 0.6 0.8 0.8 0.8 1.1 1.1 1.4 1.3 1.0 0.7 0.8 0.4 0.4

P/CF

10.0 13.3 12.6 5.5 -36.5 10.2 17.9 11.4 14.3 11.0 10.6 9.1 4.3 2.4 2.2

ROE %

10.09 8.11 2.20 8.56 0.78 8.07 8.40 13.65 6.88 6.25 4.84 3.60 -9.33 -8.45 -0.74

ROA %

0.95 0.70 0.19 0.90 0.08 0.81 1.04 1.69 0.81 0.83 0.63 0.46 -0.91 -0.81 -0.08

ROCE %

- - - - - 0.82 - - - - - - - - -

Current Ratio

1.1 1.1 1.1 1.1 1.1 0.7 15.1 0.3 1.0 4.6 2.3 - - 0.0 0.0

DSO

333.6 338.5 284.7 191.6 221.1 39.0 22.2 20.6 20.4 18.0 17.8 19.7 26.2 66.4 30.8

Operating Cycle

333.6 338.5 284.7 191.6 221.1 - - - - - - - - - -

Cash Conversion Cycle

333.6 338.5 284.7 191.6 221.1 - - - - - - - - - -

All numbers in USD currency

Quarterly Financial Ratios Shore Bancshares

2025-Q3 2025-Q2 2025-Q1 2024-Q4 2024-Q3 2024-Q2 2024-Q1 2023-Q4 2023-Q3 2023-Q2 2023-Q1 2022-Q4 2022-Q3 2022-Q2 2022-Q1 2021-Q4 2021-Q3 2021-Q2 2021-Q1 2020-Q4 2020-Q3 2020-Q2 2020-Q1 2019-Q4 2019-Q3 2019-Q2 2019-Q1 2018-Q4 2018-Q3 2018-Q2 2018-Q1 2017-Q4 2017-Q3 2017-Q2 2017-Q1 2016-Q4 2016-Q3 2016-Q2 2016-Q1 2015-Q4 2015-Q3 2015-Q2 2015-Q1 2014-Q4 2014-Q3 2014-Q2 2014-Q1 2013-Q4 2013-Q3 2013-Q2 2013-Q1 2012-Q4 2012-Q3 2012-Q2 2012-Q1 2011-Q4 2011-Q3 2011-Q2 2011-Q1

EPS

0.43 0.46 0.41 - 0.34 0.34 0.25 - -0.29 0.2 0.32 - 0.49 0.38 0.28 - 0.39 0.34 0.34 - 0.27 0.43 0.25 - 0.33 0.33 0.29 - 0.35 0.34 0.32 0.21 0.27 0.19 0.22 0.2 0.19 0.18 0.19 0.17 0.15 0.13 0.11 0.1 0.1 0.13 0.15 0.14 -1.35 0.04 0.03 -0.6 -0.22 0.03 -0.36 0.04 0.01 -0.03 -0.13

EBITDA per Share

0.06 0.07 0.07 - 0.07 0.08 0.08 - 0.08 0.02 0.02 - 0.03 25.8 26.1 - 0.01 0.01 10.7 - 10 11 11.5 - 11.3 12.1 0.01 - 0.02 0.02 0.01 - 0.01 - - - - - - - - - - - - 0.01 0.01 - 8.75 8.75 0.01 - 0.01 0.01 14.9 - 0.02 15.2 0.02

ROE %

9.82 9.43 8.84 5.84 3.89 -0.15 -1.19 0.95 3.65 8.30 9.32 6.42 7.20 6.79 6.69 7.13 8.35 7.80 8.51 8.07 8.16 8.60 8.05 8.40 8.75 9.00 9.21 7.04 8.69 8.34 7.38 6.88 6.85 6.33 6.36 6.25 6.10 5.84 5.47 4.84 4.24 3.84 3.66 3.60 3.86 -8.07 -8.65 -9.33 -14.91 -5.48 -5.57 -8.45 -3.73 -2.06 -2.51 -0.74 0.08 -0.19 -0.89

ROA %

0.90 0.86 0.79 0.52 0.35 -0.01 -0.09 0.12 0.40 0.85 0.96 0.66 0.74 0.66 0.63 0.67 0.79 0.76 0.85 0.81 0.87 0.96 0.96 1.04 1.08 1.11 1.14 0.87 1.06 1.01 0.88 0.81 0.83 0.79 0.82 0.83 0.81 0.77 0.71 0.63 0.55 0.49 0.47 0.46 0.46 -0.74 -0.82 -0.91 -1.45 -0.53 -0.54 -0.81 -0.36 -0.20 -0.24 -0.08 0.01 -0.02 -0.09

Current Ratio

1.1 1.1 1.1 1.1 1.1 1.1 1.1 1.1 1.1 1.1 1.1 1.1 1.1 1.1 1.1 1.1 1.1 1.1 1.1 1.1 1.1 1.1 1.1 1.1 1.1 1.1 1.1 1.1 1.1 1.1 1.1 1.1 1.1 1.1 1.1 1.1 1.1 1.1 1.1 1.1 1.1 1.1 1.1 1.1 1.1 1.1 1.1 1.1 1.1 1.1 1.1 1.1 1.1 1.1 1.1 1.1 1.1 1.1 1.1

DSO

357.6 322.8 394.6 - 381.5 340.4 375.5 - 175.8 211.9 212.0 - 163.2 157.9 172.7 - 179.1 196.2 255.4 - 263.5 298.6 211.4 - 131.9 123.2 144.5 - 125.0 134.1 149.2 - - - - - - - - - - - - - - - - - - - - - - - - - - - -

Operating Cycle

357.6 322.8 394.6 - 381.5 340.4 375.5 - 175.8 211.9 212.0 - 163.2 157.9 172.7 - 179.1 196.2 255.4 - 263.5 298.6 211.4 - 131.9 123.2 144.5 - 125.0 134.1 149.2 - - - - - - - - - - - - - - - - - - - - - - - - - - - -

Cash Conversion Cycle

357.6 322.8 394.6 - 381.5 340.4 375.5 - 175.8 211.9 212.0 - 163.2 157.9 172.7 - 179.1 196.2 255.4 - 263.5 298.6 211.4 - 131.9 123.2 144.5 - 125.0 134.1 149.2 - - - - - - - - - - - - - - - - - - - - - - - - - - - -

All numbers in USD currency

Multiples are an important financial analysis tool for the company Shore Bancshares, allowing investors and analysts to quickly assess the company’s value and investment attractiveness based on the ratio of market indicators to the company’s financial performance. Essentially, multiples express how the market values the company relative to its earnings, revenue, equity, or other key metrics.

Advantages of Using Financial Ratios
  • Simplified Data Analysis
    Financial ratios transform large volumes of accounting data into compact and easily interpretable indicators, significantly simplifying the assessment of the company’s condition.
  • Comparability Between Companies
    Multiples standardize financial metrics, enabling objective comparison of companies of different sizes, industries, and market capitalizations.
  • Identification of Trends and Issues
    Regular analysis of ratios helps track the dynamics of financial health, identify strengths and weaknesses of the business, as well as potential risks.
  • Decision Support
    Financial multiples serve as an important tool for investors, creditors, and company management in making investment, credit, and managerial decisions.
  • Accelerated Assessment of Investment Attractiveness
    Ratios allow quick determination of key performance, liquidity, and financial stability indicators, facilitating prompt evaluation of companies’ attractiveness for investments.

Using multiples enables comparison between companies, even if they differ in size or industry, as they standardize financial data into ratios convenient for analysis. This is especially useful for evaluating companies where direct analysis of financial statements may be complex or require in-depth knowledge.

Financial Ratios of other stocks in the Banks regional industry

Issuer Price % 24h Market Cap Country
Atlantic Capital Bancshares Atlantic Capital Bancshares
ACBI
- -1.48 % $ 566 M usaUSA
Westamerica Bancorporation Westamerica Bancorporation
WABC
$ 51.17 -0.58 % $ 1.31 B usaUSA
Washington Federal Washington Federal
WAFD
$ 31.05 -1.71 % $ 2.49 B usaUSA
Signature Bank Signature Bank
SBNY
- - $ 4.41 B usaUSA
American National Bankshares American National Bankshares
AMNB
- - $ 508 M usaUSA
Western Alliance Bancorporation Western Alliance Bancorporation
WAL
$ 67.8 -3.36 % $ 7.36 B usaUSA
Webster Financial Corporation Webster Financial Corporation
WBS
$ 68.07 -0.56 % $ 11.2 B usaUSA
Woori Financial Group Woori Financial Group
WF
$ 65.73 0.74 % $ 18.2 B south-koreaSouth-korea
Allegiance Bancshares Allegiance Bancshares
ABTX
- -0.86 % $ 1.51 B usaUSA
First Midwest Bancorp, Inc. First Midwest Bancorp, Inc.
FMBI
- -1.2 % $ 2.26 B usaUSA
Brookline Bancorp Brookline Bancorp
BRKL
- - $ 974 M usaUSA
Western New England Bancorp Western New England Bancorp
WNEB
$ 12.82 -0.23 % $ 259 M usaUSA
Peoples Bancorp of North Carolina Peoples Bancorp of North Carolina
PEBK
$ 38.49 -0.26 % $ 204 M usaUSA
WesBanco WesBanco
WSBC
$ 33.37 -1.53 % $ 3.03 B usaUSA
Waterstone Financial Waterstone Financial
WSBF
$ 18.12 -0.98 % $ 336 M usaUSA
WSFS Financial Corporation WSFS Financial Corporation
WSFS
$ 63.46 -2.67 % $ 3.78 B usaUSA
West Bancorporation West Bancorporation
WTBA
$ 23.42 -1.97 % $ 396 M usaUSA
Citizens Holding Company Citizens Holding Company
CIZN
- -5.65 % $ 49.5 M usaUSA
Southern Missouri Bancorp Southern Missouri Bancorp
SMBC
$ 62.44 -1.14 % $ 701 M usaUSA
Zions Bancorporation, National Association Zions Bancorporation, National Association
ZION
$ 55.4 -3.23 % $ 8.15 B usaUSA
BankFinancial Corporation BankFinancial Corporation
BFIN
- - $ 151 M usaUSA
Atlantic Union Bankshares Corporation Atlantic Union Bankshares Corporation
AUB
$ 34.79 -2.06 % $ 4.48 B usaUSA
Bank of South Carolina Corporation Bank of South Carolina Corporation
BKSC
- -0.41 % $ 66.6 M usaUSA
Cadence Bancorporation Cadence Bancorporation
CADE
- - $ 5.43 B usaUSA
FFBW FFBW
FFBW
- - $ 68.2 M usaUSA
The First of Long Island Corporation The First of Long Island Corporation
FLIC
- 0.25 % $ 268 M usaUSA
FNCB Bancorp FNCB Bancorp
FNCB
- - $ 133 M usaUSA
Banco BBVA Argentina S.A. Banco BBVA Argentina S.A.
BBAR
$ 14.02 -3.51 % $ 450 B argentinaArgentina
CBTX CBTX
CBTX
- 1.49 % $ 1.51 B usaUSA
CrossFirst Bankshares CrossFirst Bankshares
CFB
- - $ 784 M usaUSA
First Capital First Capital
FCAP
$ 49.37 1.79 % $ 165 M usaUSA
Spirit of Texas Bancshares, Inc. Spirit of Texas Bancshares, Inc.
STXB
- -0.23 % $ 446 M usaUSA
People's United Financial, Inc. People's United Financial, Inc.
PBCT
- - $ 8.34 B usaUSA
HomeStreet HomeStreet
HMST
- 1.84 % $ 262 M usaUSA
ESSA Bancorp ESSA Bancorp
ESSA
- - $ 196 M usaUSA
American River Bankshares American River Bankshares
AMRB
- 2.00 % $ 125 M usaUSA
Bank of Commerce Holdings Bank of Commerce Holdings
BOCH
- -1.56 % $ 254 M usaUSA
First Financial Northwest First Financial Northwest
FFNW
- -1.23 % $ 206 M usaUSA
C&F Financial Corporation C&F Financial Corporation
CFFI
$ 71.89 -2.55 % $ 233 M usaUSA
Timberland Bancorp Timberland Bancorp
TSBK
$ 38.91 -0.77 % $ 313 M usaUSA
Investors Bancorp Investors Bancorp
ISBC
- -2.46 % $ 3.45 B usaUSA
CIT Group Inc. CIT Group Inc.
CIT
- -1.4 % $ 4.74 B usaUSA
Community Bank System Community Bank System
CBU
$ 56.8 -1.92 % $ 2.99 B usaUSA
Glen Burnie Bancorp Glen Burnie Bancorp
GLBZ
- - $ 12.5 M usaUSA
Capitol Federal Financial Capitol Federal Financial
CFFN
$ 6.92 -2.54 % $ 900 M usaUSA
ACNB Corporation ACNB Corporation
ACNB
$ 47.25 -0.42 % $ 402 M usaUSA
ConnectOne Bancorp ConnectOne Bancorp
CNOB
$ 26.03 -1.74 % $ 1.18 B usaUSA
Columbia Financial Columbia Financial
CLBK
$ 17.23 -0.63 % $ 1.75 B usaUSA
Emclaire Financial Corp Emclaire Financial Corp
EMCF
- -4.21 % $ 86.4 M usaUSA
Axos Financial Axos Financial
AX
$ 82.97 -2.33 % $ 4.72 B usaUSA