Is SHBI a buy according to UQS?

UQS rates SHBI as Good at 54.1/100, driven primarily by its Valuation pillar at 96.1. The score reflects a low-multiple regional bank with a forward P/E of 9.2 and earnings yield of 9.4%, offset by a weak Moat score of 27.0 and a forward revenue growth estimate of -24.9%. The label indicates adequate but not exceptional overall fundamental quality.

What is SHBI's PEG ratio and what does it mean?

SHBI carries a PEG ratio of 2.25, above the sector median of 1.27. A PEG above 2.0 generally indicates the stock is priced expensively relative to its growth rate. In SHBI's case, this reflects the market's caution around the projected forward revenue contraction of -24.9%, even as forward EPS growth of 21.8% remains constructive on an earnings basis.

Why might SHBI's UQS Score change?

The UQS Score updates daily based on trailing twelve-month financials, forward analyst estimates, and sector median comparisons. For SHBI, the most sensitive inputs are forward revenue and EPS growth estimates — any revision to the -24.9% forward revenue figure would directly affect the Growth pillar. Changes in interest rates or credit quality could shift Risk and Quality scores as well.

SHBI

Financial Services

Shore Bancshares, Inc. · Banks - Regional · $820M

UQS Score — Balanced Preset

34.3

Below Average

Shore Bancshares, Inc. scores 34.3/100 using the Balanced preset.

UQS vs Financial Services Sector

SHBI

34.3

Sector avg

39.7

Quality

Neutral

Moat

Weak

Growth

Weak

Risk

Weak

Valuation

Attractive

SHBI Price History

+43.9% over 5Y

Monthly close, adjusted for stock splits and dividend reinvestment.

Return Calculator

What if I invested in Shore Bancshares, Inc.?

If I had invested

Starting

Today it would be worth

$15,453

That's a +54.5% total return, or +9.1% annualized.

Based on Shore Bancshares, Inc.'s historical closing prices, adjusted for stock splits and dividend reinvestment. Past performance does not guarantee future results. This is for informational purposes only and is not financial advice.

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SHBI — Score History

Score changes· 13 most recent

Date	UQS	Quality	Moat	Growth	Risk	Value	Change
Aug 17, 2026	34.2	51.8	27.0	0.0	0.0	96.6	-20.4
Jul 31, 2026	54.6	73.8	27.0	48.9	36.4	94.6	-0.3
Jul 27, 2026	54.9	73.8	27.0	48.9	36.4	96.2	-5.5
Jul 25, 2026	60.4	78.2	27.0	48.6	72.7	89.7	-0.2
Jul 24, 2026	60.6	78.2	27.0	48.6	72.7	91.0	+1.3
Jul 23, 2026	59.3	71.7	27.0	48.6	72.7	93.7	0.0
Jul 21, 2026	59.3	71.7	27.0	48.6	72.7	93.3	+0.1
Jul 18, 2026	59.2	71.7	27.0	48.6	72.7	92.8	+0.1
Jul 17, 2026	59.1	71.7	27.0	48.6	72.7	92.1	-0.2
Jul 16, 2026	59.3	71.7	27.0	48.6	72.7	93.1	-0.1

SHBI — Pillar Breakdown

◆

Quality

— 51.8/100 (25%)

Shore Bancshares, Inc. has average quality metrics, with room for improvement in margins or capital efficiency.

Return on EquityModerate

Profitability relative to shareholders' equity.

Operating ProfitabilityWeak

Ability to convert revenue into operating profit.

Cash GenerationStrong

Free cash flow relative to market value.

▲

Growth

— 0.0/100 (20%)

Shore Bancshares, Inc. faces growth headwinds with declining or stagnant revenue trends.

Recent Revenue TrendWeak

Revenue trajectory over the last twelve months.

Forward Revenue OutlookWeak

Analyst consensus for future revenue growth.

◈

Risk

— 0.0/100 (15%)

Shore Bancshares, Inc. presents elevated risk with concerns around leverage or financial stability.

Current RatioWeak

Short-term liquidity — ability to pay near-term obligations.

Interest CoverageWeak

Earnings capacity relative to interest payments.

●

Valuation

— 97.6/100 (15%)

Shore Bancshares, Inc. appears attractively valued relative to its earnings, cash flows, and sector peers.

EV/EBITDA vs SectorStrong

Enterprise value multiple relative to sector median.

⬡

Moat

— 27/100 (25%)

Shore Bancshares, Inc. operates in a highly competitive environment with limited sustainable advantages. The Moat pillar evaluates competitive advantages across five dimensions: Switching Costs, Network Effects, Cost Advantage, Intangible Assets, and Scale & Ecosystem. Sign in to customize moat ratings for SHBI.

Score Composition

Quality

51.8×25%12.9

Growth

0.0×20%0.0

Risk

0.0×15%0.0

Valuation

97.6×15%14.6

Moat

27.0×25%6.8

Total

34.3Below Average

Financial Data

More Stock Analysis

How is the SHBI UQS Score Calculated?

The UQS (Unified Quality Score) for Shore Bancshares, Inc. is calculated using a proprietary 6-pillar framework with 29 financial metrics. Each pillar evaluates a different dimension on a 0–100 scale, then combines into a single weighted score. Scoring thresholds are calibrated per sector. Momentum is an optional Pro toggle — without it, you get the 5-pillar / 25-metric core shown below.

Quality (25%) measures profitability and capital efficiency — ROIC, ROE, margins, GP/Assets, and FCF Yield.

Moat (25%) assesses Shore Bancshares, Inc.'s competitive advantages across switching costs, network effects, cost advantages, intangible assets, and ecosystem scale.

Growth (20%) tracks revenue trajectory and earnings momentum, combining historical results with analyst forward estimates.

Risk (15%) is inversely scored — lower leverage and strong balance sheet health result in higher scores.

Valuation (15%) measures whether Shore Bancshares, Inc. is fairly priced using earnings yield, price-to-FCF, PEG ratio, and EV/EBITDA relative to sector peers.

Six investor-inspired presets are available, each with different pillar weights: Balanced, Buffett, Munger, Lynch, Cathie Wood, and Graham. The public score shown here uses the Balanced preset. Learn more in our FAQ.