Shore Bancshares, Inc.
PosiFunda Ratios Only on PositoAI
PositoAI's own ratios from Shore Bancshares, Inc.'s yearly results (2022–2025), compared with Financial Services companies in United States. Tap ? on any ratio for what it means.
What stands out
- Shareholder Slice Ratio: Share count rose 68% in 3 years, so each share's slice of the company became smaller. Dividends paid equalled 39% of profit over the same period. Bigger rise in share count than 90% of Financial Services companies in United States.
Cash quality
Profit Cash Ratio
—Not applicable for banks
Deposits and loans are a bank's raw material, so cash-flow and debt figures mean something different for banks.
Self-Funding Ratio
—Not applicable for banks
Deposits and loans are a bank's raw material, so cash-flow and debt figures mean something different for banks.
Cash Locked Ratio
—Not applicable for banks
Deposits and loans are a bank's raw material, so cash-flow and debt figures mean something different for banks.
Growth quality
Steadiness Ratio
3/3 · 2/3Sales grew in 3 of the last 3 years; profit grew in 2 of 3.
Steadier than 79% of Financial Services companies in United States.
Growth Efficiency Ratio
$28Sales grew 81% in 3 years; of every extra $100 of sales, $28 became extra profit.
Higher than 54% of Financial Services companies in United States.
Asset Productivity Ratio
+81% / +80%In 3 years sales changed by +81% while total assets changed by +80%. Both moved at about the same pace.
Balance-sheet strength
Debt Due Cover Ratio
—Not applicable for banks
Deposits and loans are a bank's raw material, so cash-flow and debt figures mean something different for banks.
Cash Cushion Ratio
—Not applicable for banks
Deposits and loans are a bank's raw material, so cash-flow and debt figures mean something different for banks.
Tangible Assets Ratio
99%Of every $100 the company owns, $99 is in tangible assets such as plants, cash, stock and receivables; the rest is goodwill and other intangibles.
More tangible than 60% of Financial Services companies in United States.
Tangible Net Worth Ratio
84%Of every $100 of net worth, $84 is tangible; the rest is goodwill and other intangibles, often from buying other companies.
More tangible than 51% of Financial Services companies in United States.
Shareholders
Standard fundamentals
P/E, P/B, ROE, debt, growth and more (11)
Shore Bancshares, Inc. owes $0.90 for every $1 it owns. Net profit rose 36% in the year to Dec 2025, and grew 24% a year on average over 3 years.
Compared with Financial Services companies in United States · latest annual results Dec 2025.
P/E ratio
11.6Investors pay $11.6 for every $1 of Shore Bancshares, Inc.'s yearly profit, lower than 61% of Financial Services companies in United States.
P/B ratio
1.24The share price is 1.24 times Shore Bancshares, Inc.'s book value per share, lower than 54% of Financial Services companies in United States.
Market cap
$766 MThe total market value of all of Shore Bancshares, Inc.'s shares at today's price (share price × number of shares), larger than 51% of Financial Services companies in United States. PosiCap size class: Mini Cap.
Net worth (book value)
$616 MWhat Shore Bancshares, Inc. would have left on paper if it sold everything it owns and paid everything it owes, from its latest balance sheet (30 Jun 2026).
Book value per share
$18.46Net worth divided by the number of shares. The share price of $22.94 is 1.2 times this, which is the P/B above.
Return on equity (ROE)
11.2%Shore Bancshares, Inc. earned 11.2% on its shareholders' money over the last year, higher than 55% of Financial Services companies in United States.
Owes vs Owns
0.90×Shore Bancshares, Inc. owes $0.90 for every $1 it owns (high), higher than 81% of Financial Services companies in United States. Banks and lenders usually show higher figures.
Dividend yield
2.39%Shore Bancshares, Inc. pays 2.39% of its share price as dividends a year, lower than 60% of dividend-paying Financial Services companies in United States.
Revenue growth
+12%Revenue rose 12% in the year to Dec 2025, and grew 22% a year on average over 3 years.
Profit growth
+36%Net profit rose 36% in the year to Dec 2025, and grew 24% a year on average over 3 years.
Profit margin
26.4%Shore Bancshares, Inc. keeps $26 of every $100 of revenue as net profit.
Questions
What is Shore Bancshares, Inc.'s P/E ratio?
Investors pay $11.6 for every $1 of Shore Bancshares, Inc.'s yearly profit, lower than 61% of Financial Services companies in United States.
How is P/B calculated on PositoAI?
P/B is market cap divided by net worth from the latest balance sheet. For Shore Bancshares, Inc.: $766 M ÷ $616 M (30 Jun 2026) = 1.2.
What is Shore Bancshares, Inc.'s return on equity?
Shore Bancshares, Inc. earned 11.2% on its shareholders' money over the last year, higher than 55% of Financial Services companies in United States.
How much does Shore Bancshares, Inc. owe compared with what it owns?
Shore Bancshares, Inc. owes $0.90 for every $1 it owns (high), higher than 81% of Financial Services companies in United States. Banks and lenders usually show higher figures.
Does Shore Bancshares, Inc. pay a dividend?
Yes. Shore Bancshares, Inc. pays 2.39% of its share price as dividends a year, lower than 60% of dividend-paying Financial Services companies in United States.
Is Shore Bancshares, Inc.'s revenue growing?
Revenue rose 12% in the year to Dec 2025, and grew 22% a year on average over 3 years.
Figures from the company's yearly results and PositoAI's own data. Full tables are on the Go Deep tab. What each figure means. PositoAI is for research and education only and is not investment advice.