profit from every $100 of sales.
$0$100
Shore Bancshares
$22.71-0.18% today
+40.8% in 1 year
1-year low $15.541-year high $24.61
Trading in the middle of its range for the past year.
The essentials
Four questions every investor asks, answered in one line each.
more sales each year, on average, 2022 to 2025.
0%20% a year
You pay $12.69 for every $1 of profit it makes in a year.
CheapExpensive
Not measured for banks and insurers: deposits and policy reserves count as debt, so the usual debt test says nothing about them.
Money in, money out
What Shore Bancshares sold, what it kept, and what it did with the cash.
Sales went from $124 million in 2022 to $225 million in 2025, with $59.5 million of profit last year.
SalesProfit
Shore Bancshares handed back 27% of the cash it generated last year.
$16M
Free cash flow 2025$59M
Bought back its own shares–
Paid as dividends$16M
Cash vs. debt$356M vs. $100M
Shore Bancshares vs. similar companies
Shore Bancshares grows in the middle of these 5 and is priced in the middle for its profits.
| Company | Profit from $100 of sales | Sales growth a year | Price per $1 of profit |
|---|---|---|---|
| Shore Bancshares | 12.7× · Cheap | ||
 China Merchants Bank | 7.7× · Cheap | ||
 DBS Group Holdings | 18.2× · Fair price | ||
 UniCredit | 11.5× · Cheap | ||
 HDFC Bank | 18.6× · Fair price |
AI analysis
An AI analyst reads Shore Bancshares's last five years, its segments, earnings, insiders and peers, and writes the bull case, the bear case and what the price expects.
Run the AI analysisFull statementsIncome, balance sheet and cash flow, year by year
Income statement
| In millions of USD | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|
| 124 | 160 | 202 | 225 | |
| – | – | – | – | |
| – | – | – | – | |
| – | – | – | – | |
| 31 | 11 | 44 | 60 | |
| 1.57 | 0.42 | 1.32 | 1.78 | |
| – | – | – | – | |
| – | – | – | – | |
| 25.1% | 7.0% | 21.8% | 26.4% |
Balance sheet
| In millions of USD | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|
| Total assets | 3,477 | 6,011 | 6,231 | 6,259 |
| Cash | 55 | 372 | 460 | 356 |
| Total debt | 93 | 86 | 136 | 100 |
| Total liabilities | 3,113 | 5,500 | 5,690 | 5,669 |
| 364 | 511 | 541 | 590 | |
| 20 | 27 | 33 | 33 | |
| – | – | – | – | |
| 8.6% | 2.2% | 8.1% | 10.1% |
Cash flow
| In millions of USD | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|
| 53 | 23 | 47 | 62 | |
| 2 | 6 | 5 | 3 | |
| 50 | 17 | 42 | 59 | |
| Dividends paid | 10 | 13 | 16 | 16 |
| 0 | – | – | – | |
| 1 | 1 | 2 | 2 |
This is a bank or insurer, so cash-flow and debt ratios are left out: borrowing and lending is the business itself. Price to book and return on equity are the measures that matter here.
Valuation
- 12.7×
- 11.1×
- 2.97
- 1.1×
- 3.4×
- 7.9%
- 2.5%
Profitability
- 26.4%
- 1.0%
- 5.5%
- 10.8%
- 1.0%
Growth
- +21.9%
- +4.3%
- +0.0%
- +26.3%
How it ranks in Financial Services
Each dot is where the company stands among every company over $300M in the sector. Further right is better.
Bottom 25%of 688
Top 43%of 540
Top 45%of 900
Top 20%of 908
Top 36%of 941
What analysts expect
- Average price target
- $20.50
- Range
- $19.00 – $22.00
- 1 analysts
These targets were collected on May 20, 2026 and our analyst feed has not updated since, so we no longer compare them with today's price.
Recent earnings
Our results feed has not updated since May 21, 2026. Results reported after that are not in this table yet.
| Date | EPS | Expected | Surprise |
|---|---|---|---|
| Apr 23, 2026 | 0.55 | 0.45 | +22.2% |
| Jan 28, 2026 | 0.53 | 0.49 | +8.2% |
| Oct 23, 2025 | 0.48 | 0.45 | +6.7% |
| Jul 24, 2025 | 0.51 | 0.41 | +24.4% |
| Apr 29, 2025 | 0.45 | 0.35 | +28.6% |
| Mar 10, 2025 | 0.40 | – | – |
| Oct 24, 2024 | 0.34 | 0.36 | −5.6% |
| Jul 25, 2024 | 0.34 | 0.33 | +3.0% |
2.5%of the share price, paid each year
On $1,000 invested$25a year at today's yield, before tax
+0.0%2020 to 2025
Raised–not every year
Paid per share, each year
$0.04 in 2015 → $0.48 in 2025
How safe it looks
27.0% of its profit
Room to growStretchedMore than it earns: 27.2%
News
Lake Shore Bancorp GAAP EPS of $0.31, revenue of $7.93MSeeking Alpha · Oct 21, 2026China shuts hundreds of banks as Beijing moves to shore up its financial systemCNBC · Oct 5, 2026Insider trades
Our insider feed has not updated since May 26, 2026. Trades filed after that are not listed yet.
No insider trades on file.
The seven classic investing rulebooks
2/7Passes 2 of 7. Each bar is how well the company fits that investor's published rules, from 0 to 100; 60 or more counts as a pass.
Warren Buffett
58No pass
Benjamin Graham
73Pass
Philip Fisher
63Pass
Peter Lynch
37No pass
Joel Greenblatt
18No pass
Charlie Munger
52No pass
Terry Smith
51No pass
Questions about Shore Bancshares
Is Shore Bancshares a good stock to buy?
A strong, very profitable business, and the price looks low. 2 of the 7 famous investors' published rulebooks we apply pass it. Whether it suits you depends on your goals and the price you pay; invest-like never tells anyone to buy or sell. The AI analysis lays out the case for and against. Read the Shore Bancshares AI analysis
What does Shore Bancshares do?
Shore Bancshares, Inc. operates as a bank holding company for the Shore United Bank that provides various commercial and consumer banking products and services to individuals, businesses, and other organizations. It is in Banks - Regional.
Does Shore Bancshares pay a dividend?
Yes. At today's price the dividend is 2.5% a year, about 27% of its yearly profit. In 2025 it paid out $16.1 million in dividends.
Is Shore Bancshares stock halal?
No. Shore Bancshares does not pass our halal screen: its main business, banking, is not permitted. How we check
How has Shore Bancshares stock done over the past year?
Up 40.8% over the past twelve months, to $22.71. It traded between $15.54 and $24.61 and is 7.7% below its high.
Who are Shore Bancshares's competitors?
The largest listed companies in the same industry are China Merchants Bank, DBS Group Holdings, UniCredit and HDFC Bank. The peers table on this page compares their profit, growth and price with Shore Bancshares's.
Prices: daily closes to Nov 13, 2026. Fundamentals: company reports via invest-like data.