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SHBIShore Bancshares, Inc.Hold5.8·$23.03-1.58%
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Shore Bancshares, Inc. (SHBI) Stock Analysis

Breakout setup · Catalyst-Driven edge

HoldModerate Confidence

Financial Services · Banks - Regional

Hold if already holding. Not a fresh buy at $23.03, but acceptable to hold if already in. Reasons: Analyst target reached - limited upside remaining; Near 52-week high (2.3% away).

Shore Bancshares, Inc. operates as a bank holding company for Shore United Bank, N.A. that provides various consumer and commercial banking products and services to individuals, businesses, and other organizations in the United States. The company offers checking, savings,... Read more

$23.03+0.3% A.UpsideScore 5.8/10#128 of 225 Banks - Regional
QualityF-score8 / 9FCF yield
IncomeYield2.43%(5y avg 3.13%)Payout25.53%sustainable
Stop $21.83Target $23.11(resistance)A.R:R -1.4:1
Analyst target$22.25-3.4%4 analysts
$23.11our TP
$23.03price
$22.25mean
$20
$24

Hold if already holding. Not a fresh buy at $23.03, but acceptable to hold if already in. Reasons: Analyst target reached - limited upside remaining; Near 52-week high (2.3% away). Chart setup: Golden cross, above all MAs, RSI 59, MACD bullish. Maintain position. Not compelling to add more. Score 5.8/10, moderate confidence.

Passes 7/9 gates (positive momentum, clean insider activity, no SEC red flags, news events none recent, earnings proximity 19d clear, semi cycle peak clear, materials cycle peak clear). Fails on favorable risk/reward ratio. Suitability: aggressive.

TrendMatrix Research · upcoming catalyst calendar

Upcoming dated catalysts

Thu, Jul 23, 202619d to earnings· next earnings call

Thesis

Rewards
Strong earnings beat streak (3/4)
Attractive valuation
Risks
Analyst target reached - limited upside remaining
Near 52-week high (2.3% away)

Key Metrics

P/E (TTM)12.3
P/E (Fwd)10.4
Mkt Cap$770M
EV/EBITDA
Profit Mgn28.0%
ROE10.9%
Rev Growth14.8%
Beta0.81
Dividend2.43%
Rating analysts10

Quality Signals

Piotroski F8/9

Options Flow

P/C2.00bearish
IV88%elevated

Model-generated analysis — not investment advice. Not a registered investment advisor. Past performance does not guarantee future results.

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Methodology · Editorial policy & full disclaimer

Rating Breakdown

10 dimensions · all in-band

GatesA.R:R -1.4=NEGATIVEMomentum 4.8<5.5 (soft — BUY_NOW allowed but watch)Momentum 4.8>=4.5Insider activity: OKNo SEC red flagsNEWS EVENTS NONE RECENTEARNINGS PROXIMITY 19d clearSEMI CYCLE PEAK CLEARMATERIALS CYCLE PEAK CLEARBreakoutSuitability: Aggressive
RSI
59 · Neutral
20D MA 50D MA 200D MAGOLDEN CROSSSupport $20.20Resistance $23.58

Price Targets

$22
$23
A.Upside+0.3%
A.R:R-1.4:1

Position Sizing

ConvictionNone
Suggested %0.5%
Max %1%
RegimeSteady

Risk Alerts

! Target reached (-17.9% upside)
! Negative risk/reward — downside exceeds upside

Earnings

B
B
B
M
3/4 beats
Next Earnings2026-07-23 (19d)

Verdict History

reverse chrono — latest first
Loading history...
Verdicts are recorded on every nightly pipeline run. Rows capture transitions (verdict flips, score deltas ≥0.3, entry/TP/SL changes). Rows with a ▶ can be expanded to see the change reason. Aggregate cohort performance is tracked in the recommendation ledger.
Frequently Asked Questions
Is SHBI stock a buy right now?

Hold if already holding. Not a fresh buy at $23.03, but acceptable to hold if already in. Reasons: Analyst target reached - limited upside remaining; Near 52-week high (2.3% away). Chart setup: Golden cross, above all MAs, RSI 59, MACD bullish. Maintain position. Not compelling to add more. Target $23.11 (+0.3%), stop $21.83 (−5.5%), A.R:R -1.4:1. Score 5.8/10, moderate confidence.

What is the SHBI stock price target?

Take-profit target: $23.11 (+0.3% upside). Target $23.11 (+0.3%), stop $21.83 (−5.5%), A.R:R -1.4:1. Stop-loss: $21.83.

What are the risks of investing in SHBI?

Analyst target reached - limited upside remaining; Near 52-week high (2.3% away).

Is SHBI overvalued or undervalued?

Shore Bancshares, Inc. trades at a P/E of 12.3 (forward 10.4). TrendMatrix value score: 7.8/10. Verdict: Hold.

What do analysts say about SHBI?

10 analysts cover SHBI with a consensus score of 3.9/5. Average price target: $22.

What does Shore Bancshares, Inc. do?Shore Bancshares, Inc. operates as a bank holding company for Shore United Bank, N.A. that provides various consumer...

Shore Bancshares, Inc. operates as a bank holding company for Shore United Bank, N.A. that provides various consumer and commercial banking products and services to individuals, businesses, and other organizations in the United States. The company offers checking, savings, overnight investment sweep, and money market accounts; and regular and IRA certificates of deposit, as well as certificate of deposit account registry service programs and cash management services. It also provides commercial loans, such as secured and unsecured loans, working capital loans, lines of credit, term loans, accounts receivable financing, real estate acquisition and development loans, construction loans, and letters of credit; residential real estate construction loans; residential mortgage loans; and loans to consumers, including home equity, automobile, installment, home improvement, and personal lines of credit, as well as other consumer financing products. In addition, the company offers trust, wealth management, and financial planning services; treasury management services, such as merchant card processing, remote deposit capture, and ACH origination, as well as telephone, mobile, and Internet banking services; safe deposit boxes; debit and credit cards; and automatic teller machine services. Shore Bancshares, Inc. was founded in 1876 and is headquartered in Easton, Maryland.

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