SHORE BANCSHARES INC (SHBI)
National Commercial Banks · Financial Services · $742M
Intrinsic Value (Consensus)
$40.62
Current Price
$22.17
Margin of Safety
+83.2%
83.2% Below Intrinsic Value
Value: $41
Price: $22
Valuation Model Estimates
Current Price: $22.17
DCF (Discounted Cash Flow)
$83.02
Graham Number
$26.58
Earnings Power Value
$17.28
Relative Value (P/E)
$35.60
Dividend Discount Model
Not applicable
—
Consensus Value
$40.62
Model Assumptions
Discount Rate
10.3%
Growth Rate
20.0%
Terminal Growth
2.5%
Risk-Free Rate
4.3%
Discount rate derived from CAPM (risk-free rate + beta × market risk premium). Growth rate based on trailing earnings growth, capped at 20%.
Health Score
B
74
Profitability
18/25
Strength
24/25
Valuation
22/25
Growth
10/25
Financial Health Signals
Declining revenue — top line is shrinking
Low debt — conservative balance sheet
Strong earnings growth (20% YoY)
Key Financials
- EPS (TTM)
- $1.78
- EPS (Forward)
- $2.14
- Book Value
- $17.63
- P/E Ratio
- 20.0
- Forward P/E
- 16.7
- PEG Ratio
- —
- ROE
- 10.1%
- Debt/Equity
- 15%
- Revenue Growth
- -0.3%
- Earnings Growth
- 20.0%
- Dividend Yield
- N/A
- Beta
- 1.00
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Data last updated: 2026-06-16
Source: Yahoo Finance