Stock Ratings / Financials / SHBI / financials

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Shore Bancshares Inc (SHBI) Revenue-to-Profit Sankey Flow & SEC XBRL Financials

$22.69 +0.62% NASDAQ • Live Quote vs Prior Daily Close (Synced Snapshot)

Shore Bancshares Inc (SHBI) earns a Roarable Rating of B (Buy) with 73/100 RQD Confidence. High-quality cash engine (steady margins, 10% return on capital) with steady institutional support. The company’s underlying cash engine and institutional positioning keep the composite score in the Green Buy zone.

ROARABLE B • BUY Cap $757.2M

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INTERACTIVE SCENARIO DECK:

🛡️ Portfolio Crash X-Ray

RQD QUANT TACHOMETERBUY • B

2-of-3 JEV AI Jury Bullish

Cash

SEC

Whale

Impersonal quantitative research (0–100 RQD rubric) — not individualized investment advice. Past performance does not guarantee future results. Full Disclaimer

5-PILLAR SNOWFLAKE RADARRw B- · Rk B+

Each axis scored 0–20

12M PRICE TARGET CONE+6.7% Base Target

WHALE OPTIONS SNAPSHOT: — (No Active Options Snapshot on file for SHBI)Realized 20D OHLCV Swing Band: ±5.2%

VISUAL REVENUE-TO-PROFIT SANKEY WATERFALL • FY 2025 (10-K)

How SHBI Turns Every Dollar of Sales Into Real Bottom-Line Profit

Free Cash Flow:$59.2M (284% FCF Margin)

Multi-Year SEC EDGAR XBRL Revenue, Net Profit & Free Cash Flow Trajectory

■ Revenue■ Net Profit■ Free Cash Flow

FY23

Rev $18.3M

FY24

Rev $20.9M

FY25

Rev $20.9M

Fiscal Year	Revenue	Gross Margin	Op Margin	Net Profit	Free Cash Flow	ROIC %
FY 2025	$20.9M	52%	0%	$59.5M	$59.2M	10.1%
FY 2024	$20.9M	52%	0%	$43.9M	$41.7M	10.1%
FY 2023	$18.3M	52%	0%	$11.2M	$22.7M	10.1%

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Red-Light Warning Desk: Spotting SEC Cash-Flow & Dilution Risks Before Downgrades (Featuring SHBI)

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SHBI // CANDLESTICK & AUTO-TRENDLINE WORKSTATION6M: +17.56%▼ DESCENDING CHANNEL

2026-10-30O $22.81H $22.81L $22.28C $22.69VOL 169.4K

RES: $23.34SUP: $21.58SMA50: $22.91SMA200: $21.14

PRIMARY-SOURCE FORENSICS, SECOND-ORDER LINKS & AI ANALYST DESK

SHBI Dilution Monitor, Expectations Hurdle, Butterfly Connections & Policy Exposure

🦋 SHBI Butterfly Map → + Track SHBI →

Share Count & Dilution Monitor (#25)

Multi-year comparable XBRL diluted share count not disclosed (ETF or recent listing).

Reverse-DCF Expectations Hurdle (#30)

3.7%/yr Implied 5Y Growth

vs. -0.3% actual YoY revenue growth (assuming 9.25% cost of equity & 16.5x terminal multiple).

Ellis Vennor Setup Ledger (#33)

No active Ellis Vennor swing setup published on SHBI today. View full Setup Ledger →

🦋 Documented & Second-Order Butterfly Connections Open Graph →

No direct multi-tier Butterfly edges indexed yet for SHBI. Explore sector supply chains on /butterfly.

AI Analyst Theses, Washington Policy & Company Video

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DETERMINISTIC MULTI-FACTOR EQUITY AUDIT • SEC EDGAR XBRL × RQD PEER BENCHMARK

📊 Quantitative Sector Peer Comparison, SEC Filing Delta & Investment FAQ (SHBI)

Financials Rank #80 of 1096 ⚔️ WASH vs SHBI Full Matrix →

1. Head-to-Head Financials Peer Comparison (SHBI vs. WASH, AROW, PFIS, FISI)

Industry: Major Banks (248 Tracked Issuers)

Across 1096 tracked Financials securities in the Roarable RQD universe, Shore Bancshares Inc (SHBI) ranks #80 by composite RQD confidence (73/100, grade B) and #610 by equity capitalization ($757.2M). Within this direct 5-issuer industry benchmark cohort, FISI leads on earnings valuation at 10.8x trailing P/E, while FISI leads on capital efficiency and profitability with 11.9% ROIC and — gross margin. WASH currently holds the highest overall quantitative score in the immediate peer group at 74/100 (B) compared with SHBI at 73/100 (B).

Ticker / Company	Roarable Grade	RQD Score	Trailing P/E	Gross Margin	ROIC	1D Change	Market Cap	Head-to-Head
SHBI ACTIVE Shore Bancshares Inc	B	73/100	12.7x	—	10.1%	+0.62%	$757.2M	Benchmark Subject
WASH Washington Trust Bancorp Inc.	B	74/100	14.3x	—	9.6%	+0.80%	$749.6M	/wash-vs-shbi →
AROW Arrow Financial Corporation	C+	66/100	16.3x	—	10.2%	+1.67%	$716.2M	/arow-vs-shbi →
PFIS Peoples Financial Services Corp.	C+	67/100	12.1x	—	11.4%	+0.37%	$715.3M	/pfis-vs-shbi →
FISI Financial Institutions Inc.	D	50/100	10.8x	—	11.9%	+0.27%	$805.6M	/fisi-vs-shbi →

2. Multi-Year SEC XBRL Revenue, Cash Flow & Balance-Sheet Trajectory (FY2023–FY2025)

SEC EDGAR 10-K • FILED 2025-12-31 • CIK 0001035092

In its most recent audited fiscal period (FY2025, filed 2025-12-31), Shore Bancshares Inc (SHBI) reported GAAP revenue of $20.9M (-0.3% vs. FY2024 revenue of $20.9M , and +13.7% cumulative change since FY2023) , GAAP net income of $59.5M, operating cash flow of $62.4M, and free cash flow of $59.2M (+42.1% YoY). On the balance sheet, SHBI closed FY2025 with $6.26B in total assets against $0 in total debt (Altman Z-Score: N/A, Piotroski F-Score: 5/9).

Fiscal Period	Filing Date	Revenue	Net Income	Operating Cash Flow	Free Cash Flow	Total Assets	Total Debt
FY2025 (FY)	2025-12-31	$20.9M	$59.5M	$62.4M	$59.2M	$6.26B	—
FY2024 (FY)	2024-12-31	$20.9M	$43.9M	$46.9M	$41.7M	$6.23B	—
FY2023 (FY)	2023-12-31	$18.3M	$11.2M	$22.7M	$22.7M	—	—

3. SHBI Data-Verified Investor FAQ (RQD Rating, Sector Peers, SEC Forensics & Technicals)

✓ SCHEMA.ORG FAQPAGE JSON-LD ENABLED

Is SHBI stock a Buy, Hold, or Sell right now according to Roarable's RQD model?

As of 2026-11-01, Shore Bancshares Inc (NASDAQ: SHBI) is rated B (Buy / BUY) by Roarable's 5-pillar RQD engine with a composite confidence score of 73/100 at a spot price of $22.69 (+0.62% 1D, market cap $757.2M). Pillar breakdown: Fundamental Cash Engine 14/20, Institutional 13F & Options Flow 12/20, Executive Insider Alignment 13/20, FRED Macro Regime Fit 18/20, and SEC Balance-Sheet Forensics 16/20. Across 1096 tracked Financials issuers, SHBI ranks #80 in composite RQD confidence.

How does SHBI compare to WASH and AROW in the Financials sector?

Within the Financials sector (Major Banks), SHBI carries a Roarable B (73/100 RQD), trailing P/E of 12.7x, gross margin of —, and ROIC of 10.1%. By comparison, WASH (Washington Trust Bancorp Inc.) holds a B grade (74/100 RQD, P/E 14.3x, ROIC 9.6%, cap $749.6M) and AROW (Arrow Financial Corporation) posts a C+ grade (66/100 RQD, P/E 16.3x, ROIC 10.2%, cap $716.2M). Among the 5-stock peer group, FISI leads on earnings multiple (10.8x) while FISI leads on capital efficiency (11.9% ROIC).

What are the biggest fundamental strengths and SEC risk factors for SHBI?

Per SHBI's SEC EDGAR XBRL 10-K filing (FY2025, filed 2025-12-31, CIK 0001035092), Shore Bancshares Inc generated $20.9M in revenue (-0.3% YoY), $59.5M in net income, and $59.2M in free cash flow against $6.26B in total assets and $0 in total debt. Key quantitative strengths: Company leadership has skin in the game with net positive insider conviction.. Primary risk factors monitored: Broader market pullbacks can still drag down strong stocks in the short run.. Institutional options positioning shows a 50% call / 50% put premium split.

Where is SHBI trading relative to its 50-day, 200-day, and 52-week technical levels?

SHBI last traded at $22.69 (+0.62% on volume of 274,436 shares), positioning the stock -0.96% below its 50-day simple moving average ($22.91) and +7.33% above its 200-day simple moving average ($21.14). Across its 52-week range of $15.44 to $24.89, SHBI sits at the 76.7% percentile with a 14-day RSI of 43.2 (NEUTRAL RANGE) and an implied next-earnings move of ±5.2% ($21.51 to $23.87).

SHBI Investor FAQ & Complete 8-Part Research Index

100% OPEN ACCESS • SEC EDGAR × CBOE × FRED

How profitable is Shore Bancshares Inc (SHBI)?

In FY 2025 (10-K), SHBI converted $20.9M of revenue into a 52% gross margin, 0% operating margin, and $59.2M in free cash flow (284% FCF margin).

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