SHBI · Shore Bancshares Inc

Track SHBI — free

$23.12 +0.08 (+0.33%)

Market Cap

$769.56M

33.37M

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FQ3-26 quarter ends

~Sep 30, 2026 Est

Latest filing: 10-Q

filed Aug 3, 2026

Equibles Rating

blended score · not investment advice

Overall

Buy

SellHoldBuy

Technical Neutral Momentum Very Strong Sentiment Bullish Fundamentals Excellent Quant / Vol Low

Market backdrop VIX 14.9 · calm Equity put/call 0.52

Technical

price trend

Neutral

50 / 200-day cross No cross

Price vs 200-day avg +17%

above

Price vs 50-day avg −1%

below

RSI (14) 41

neutral

MACD trend Negative

52-week position 83%

mid-range

Momentum

relative strength

Very Strong

1-month return +1%

trailing

6-month return +19%

trailing

YTD return +30%

this year

Relative strength +7%

vs S&P · 6-mo

Sentiment

smart money

Bullish

Trend (MA cross) No cross

50d $23 › 200d $20 — 50d above 200d

Institutional flow Accumulating

+8% holders QoQ · +29 funds added

Insider flow Accumulating

Net +$10.9K over 90 days · 0% sells

Short interest Rising

2.43% of float · ▲ +4.0% MoM · 3.5 days cover

Volume signal Normal

Volume near normal

Institution breadth Multi-yr high

176 holders — near 3-yr high, broad support

Squeeze score 55

elevated · 0–100

Fundamentals

Excellent

Revenue growth −0%

Y/Y

EPS growth +35%

Y/Y

Free cash flow $59.2M

Valuation P/E 11.7

below peers

Buyback $29.1M

remaining

Balance sheet $265.3M

net cash

Quant / Vol

risk profile

Low

Volatility 26%

annualized · 1-yr

Max drawdown −14%

past year

ATR 2.1%

of price · 14-day

Blended from price, momentum, positioning, fundamentals & volatility · daily-close · not investment advice. Market backdrop is context, not part of the score.

Technicals

trend & momentum for long-term holders Neutral

1 · 4 · 1

50 / 200-day cross

No cross Neutral

Price vs 200-day avg

+17% Bullish

Price vs 50-day avg

−1% Neutral

RSI (14)

41 Neutral

MACD trend

Negative Bearish

52-week position

83% Neutral

Market signals — smart money & positioning

Bullish · 3 of 6

Trend (MA cross) No cross

50d $23 › 200d $20 — 50d above 200d

Institutional flow Accumulating

+8% holders QoQ · +29 funds added

Insider flow Accumulating

Net +$10.9K over 90 days · 0% sells

Short interest Rising

2.43% of float · ▲ +4.0% MoM · 3.5 days cover

Volume signal Normal

Volume near normal

Institution breadth Multi-yr high

176 holders — near 3-yr high, broad support

Price context

position in its 52-week range

Range low $15 Now $23 · 83% Range high $25

vs 200-day avg +17% vs 50-day avg -1%

Illustrative technical + ownership context — a signal mix, not investment advice.

Key metrics

the company's own KPIs, from written earnings releases and filings

Metric	Latest	Period	YoY
Adjusted efficiency ratio – non-GAAP non-GAAP	56.5%	Six Months Ended June 30, 2026	—

Adjusted net income – non-GAAP non-GAAP	$38.93M	Six Months Ended June 30, 2026	—
Adjusted return on average assets – non-GAAP non-GAAP	1.28%	Six Months Ended June 30, 2026	—

Book value per common share at period end	$18.44	Six Months Ended June 30, 2026	—

Classified assets to total assets	1.41%	Q2 2026	—

Common Equity Tier 1 Capital to RWA	11.09%	Q2 2026	—
Cost of deposits	1.73%	Q2 2026	—
Cost of funds	1.81%	Q2 2026	—
Efficiency ratio – GAAP	59.83%	Six Months Ended June 30, 2026	—

Net charge-offs	$970K	Six Months Ended June 30, 2026	—
Net interest margin	3.67%	Six Months Ended June 30, 2026	—

Net interest margin excluding accretion non-GAAP	3.4%	Six Months Ended June 30, 2026	—

Net interest spread	2.82%	Six Months Ended June 30, 2026	—
Nonaccrual loans	$64.82M	Q2 2026	—
Noninterest expense to average assets	2.39%	Six Months Ended June 30, 2026	—
Noninterest income to average assets	0.53%	Six Months Ended June 30, 2026	—
Nonperforming assets to total assets	1.09%	Q2 2026	—

Period-end equity to assets – GAAP	10.02%	Q2 2026	—
Period-end tangible common equity to tangible assets – non-GAAP non-GAAP	8.69%	Q2 2026	—
Pre-tax pre-provision net income – non-GAAP non-GAAP	$48.82M	Six Months Ended June 30, 2026	—
Return on average assets – GAAP	1.18%	Six Months Ended June 30, 2026	—

Return on average common equity – GAAP	11.97%	Six Months Ended June 30, 2026	—

Return on average tangible common equity – non-GAAP non-GAAP	15.25%	Six Months Ended June 30, 2026	—
Tangible book value per common share at period end – non-GAAP non-GAAP	$15.77	Six Months Ended June 30, 2026	—

Tier 1 Capital to AA (Leverage)	9.52%	Q2 2026	—
Tier 1 Capital to RWA	11.71%	Q2 2026	—
Total Capital to RWA	14.17%	Q2 2026	—
ACL as a percentage of loans	1.21%	first quarter of 2026	—

Figures exactly as the company stated them in writing · click a metric with a to chart its history · period links open the stating document · "filing" marks figures stated in the 10-K/10-Q · YoY needs an exactly comparable prior-year period

Versus peers

Banks - Regional — same industry group

Open screener →

Company	Mkt cap	YTD	Rev growth Y/Y	P/E	Short % shares
SHBI Shore Bancshares Inc this stock	$769.56M	+30.3%	-0.3%	11.7	2.4%
MFG Mizuho Financial Group Inc	$123.19B	+38.5%	—	—	0.1%
HDB Hdfc Bank Ltd	$118.97B	-36.6%	+15.2%	—	0.5%
IBN Icici Bank Ltd	$105.45B	-1.2%	—	—	0.5%
CIXPF CaixaBank/ADR	$100.59B	+18.7%	—	—	0.1%

Peers by industry group · P/E from as-reported trailing EPS · short % is of shares outstanding

At a glance

key data from every section

Ownership

Institutional Holders Accumulating

Holders

176

% held: 68.3%
Net QoQ: +628.0K sh
Top holder: BlackRock, Inc.

Held Float

View

Held by Funds

Fund positions

201

View

Short & Settlement

Short Interest Rising

Shares short

811.6K

Days to cover: 3.5d
Change: +31.3K sh

View

Short Volume

Short vol %

31%

As of: Aug 20, 2026

Short Total

View

Fails to Deliver

FTD shares

Value: $23
As of: Jun 30, 2026

View

Off-Exchange

Off-exchange %

28.5%

Week of: Jul 13, 2026

Off-exch Lit

View

Smart Money

Insider Trades Net buying

Net (90d)

+$10.9K

Buyers / Sellers: 2 / 0

Buyers Sellers

View

Financials

Revenue (FY)

$20.9M

Net income (FY): $59.5M
EPS diluted: $1.78

View

Buybacks

Authorized

$30.0M

Remaining: $29.1M

Spent Remaining

View

Filings

SEC Filings

Latest

10-Q

Filed: Aug 3, 2026
This year: 15

View

Exempt Offerings

Offering

$60.0M

Filed: Nov 24, 2025

View

Earnings & Events

Earnings Calls

Last call

Jan 28, 2026

View

Investor Relations

Performance

	5D	20D	120D	MTD	YTD
SHBI	-4.0%	+0.7%	+18.6%	-6.0%	+30.3%
SPY	-0.4%	+2.9%	+11.6%	+3.0%	+12.8%
vs SPY	-3.6%	-2.2%	+7.1%	-8.9%	+17.5%

Capital returns

Latest dividend

$0.14 / share · ex Jun 3, 2026

Raised 16.7%

Paid (TTM)

$0.38 / share · 3 payouts

Dividend yield (TTM, derived)

1.65%

Buyback program · as of Jun 30, 2026

Authorized

$30.00M

Spent (derived)

$900,000

Remaining

$29.10M

Spent Remaining

Dividends per share over the trailing 365 days by ex-date · buyback figures as last reported in SEC filings ("spent" derived as authorized − remaining; when several programs run concurrently, authorized is their combined total per the newest filing) · components shown separately — trailing-year buyback spend isn't tracked, so no combined shareholder yield is derived.

Key facts CIK 1035092 CUSIP 825107105 13F (30d) 155 filings 155 filers Visit website Investor relations

SHBI · Shore Bancshares Inc

Price & Indicators

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Equibles Rating

Technicals

Key metrics

Versus peers

At a glance

Performance

Capital returns