Expectations trend
FY2027 · fiscal year ending 2027-12-31 · fmp
Shore Bancshares, Inc. (SHBI)
NASDAQFinancialsBanks - RegionalSnapshot 2026-11-04
$22.40-3.16%
Close 2026-11-05 · 1-day change
NASDAQFinancialsBanks - RegionalSnapshot 2026-11-04
The long-term thesis, the evidence coming in, and the environment around it. Thesis dated Jul 8, 2026.
Next-FY EPS estimate change · 30 days
2.27 → 2.26 EPS · FY ending Dec 31, 2027 · 4 analysts
One observable signal. This measures changing earnings expectations, not the probability of a gain or loss.
Change in the same fiscal period’s mean EPS estimate from Oct 5, 2026 to Nov 4, 2026: (new ÷ prior − 1). Contributor count changed from 4 to 4; this is not the number of analysts revising. The ±10% axis is a display range.
The EPS and P/E reference is not available for SHBI yet.
| Measure / period | Management expectations | Analyst expectations |
|---|
Management figures unavailable.
Current consensus figures unavailable.
Three published thesis conditions, with dated milestones shown separately.
| Key Factor | Why It Matters | Current Status | Break Condition | Latest Evidence |
|---|---|---|---|---|
EPS at least $0.51 in fiscal year 2026 | The bank expects EPS of at least $0.51 next year. | Intact | EPS guidance falls below $0.51 for FY26 | Diluted EPS: $0.50 per share FY2026-Q3; GAAP. Published target: >= $0.51 EPS in FY26. Annual target cannot be compared with a quarterly or TTM observation. Nov 2, 20260.5 USD/share · source valueLast status assessment Nov 4, 2026Compare required operating outcomesCompare scope, accounting basis and period before treating this evidence as progress against an annual requirement. |
Compare these dated observations with the operating requirements above
FY2027 · fiscal year ending 2027-12-31 · fmp
The evidence, the remaining questions, and what comes next
No recovery evidence is reported in the available driver assessments.
Next earnings date unavailable
Look for updated results and guidance against the published targets, plus direct evidence for unresolved drivers.
Observed price history; separate from operating scenarios
The weekly editorial context below is a separate assessment from the dated monitor evidence above. Recovery observations do not automatically change the published thesis. Unverified outside influences are hypotheses, not measured driver evidence.
SHBI is a regional bank with a measured, execution-dependent long-term thesis, rather than a clear turnaround or high-growth story. The current thesis is on watch: momentum has improved, but recent financial performance remains below its industry cohort.
Valuation is neutral versus peers, and the expectations gap is small, suggesting the market’s assumptions broadly align with the evidence. The pricing signal is classified as justified, with low fragility, so the snapshot does not show a major expectations mismatch.
Near term, the October earnings beat and improved company momentum are positive, while recent performance below the industry cohort leaves execution to monitor. Deposit growth and lower expenses support operations, but the rise in nonperforming assets limits evidence of progress on credit quality; a guidance cut is a stated risk.
Over the multi-year view, the thesis depends on SHBI maintaining deposit growth and expense control while containing credit deterioration. Near term, a guidance cut or Federal Reserve rate cuts would be unfavorable in the supplied scenarios, while stronger earnings and guidance from sector bellwethers could support sector momentum.
SHBI’s long-term thesis has some operating support, but the latest rise in nonperforming assets and performance below its cohort leave the setup on watch. The 1-to-3-year view hinges on credit quality and continued execution. Not investment advice.
Not investment advice. Scores describe historical and current data; they are not forecasts of future returns. Consult a licensed advisor before making investment decisions.
| Shore Bancshares grew net income from $13.76M to $17.09M in one year. |
| Intact |
| net income falls below $13.76M in any quarter after 2026-Q1 |
Net income: $16.771M FY2026-Q3; GAAP. Published target: >= $17.09M net income by 2026-Q1. The stored target says 2026-Q1; this source reports FY2026-Q3. Fiscal/calendar alignment needs review. Nov 2, 202616,771,000 USD · source valueLast status assessment Nov 4, 2026Compare required operating outcomesCompare scope, accounting basis and period before treating this evidence as progress against an annual requirement. |
Operating income grows to at least $22.66M by 2026-Q1 | Operating income rose from $18.26M to $22.66M in the same period. | Intact | operating income falls below $18.26M in any quarter after 2026-Q1 | Operating income: $22.271M FY2026-Q3; GAAP. Published target: >= $22.66M operating income by 2026-Q1. The stored target says 2026-Q1; this source reports FY2026-Q3. Fiscal/calendar alignment needs review. Oct 22, 202622,271,000 USD · source valueLast status assessment Nov 4, 2026Compare required operating outcomesCompare scope, accounting basis and period before treating this evidence as progress against an annual requirement. |
Stored thesis · Jul 8, 2026. Latest Evidence uses source-matched measurements where available, alongside the last thesis-monitor assessment. Source periods and assessment dates are shown separately. A new measurement does not automatically change the published status or verify an older target.
$2.23 → $2.26 · observed estimates
$0.26B → $0.26B · observed estimates
One fiscal period and provider throughout. At least five contributors are required for each plotted metric; missing coverage stays a gap. Axes show the observed range. Counts measure coverage, not revisions.
| Snapshot | EPS | Revenue | EPS / revenue analysts |
|---|---|---|---|
| 2026-07-24 | $2.23 | $257,900,000 | 4 / 1 |
| 2026-07-25 | $2.23 | $257,900,000 | 4 / 1 |
| 2026-07-26 | $2.23 | $257,900,000 | 4 / 1 |
| 2026-07-27 | $2.25 | $255,400,000 | 3 / 1 |
| 2026-07-28 | $2.25 | $255,400,000 | 3 / 1 |
| 2026-07-29 | $2.27 | $253,950,000 | 4 / 2 |
| 2026-07-30 | $2.27 | $253,950,000 | 4 / 2 |
| 2026-07-31 | $2.27 | $253,950,000 | 4 / 2 |
| 2026-08-01 | $2.23 | $258,112,667 | 2 / 1 |
| 2026-08-02 | $2.27 | $253,950,000 | 4 / 2 |
| 2026-08-03 | $2.27 | $257,336,000 | 3 / 2 |
| 2026-08-04 | $2.27 | $257,336,000 | 3 / 2 |
| 2026-08-05 | $2.27 | $257,336,000 | 3 / 2 |
| 2026-08-06 | $2.27 | $253,950,000 | 4 / 2 |
| 2026-08-08 | $2.27 | $253,950,000 | 4 / 2 |
| 2026-08-09 | $2.27 | $253,950,000 | 4 / 2 |
| 2026-08-10 | $2.27 | $257,336,000 | 3 / 2 |
| 2026-08-12 | $2.27 | $257,336,000 | 3 / 2 |
| 2026-08-13 | $2.27 | $257,336,000 | 3 / 2 |
| 2026-08-14 | $2.27 | $257,336,000 | 3 / 2 |
| 2026-08-15 | $2.27 | $257,336,000 | 3 / 2 |
| 2026-08-16 | $2.27 | $257,336,000 | 3 / 2 |
| 2026-08-17 | $2.27 | $257,336,000 | 3 / 2 |
| 2026-08-18 | $2.27 | $257,336,000 | 3 / 2 |
| 2026-08-19 | $2.27 | $257,336,000 | 3 / 2 |
| 2026-08-20 | $2.27 | $257,336,000 | 3 / 2 |
| 2026-08-21 | $2.27 | $257,336,000 | 3 / 2 |
| 2026-08-22 | $2.27 | $257,336,000 | 3 / 2 |
| 2026-08-23 | $2.27 | $257,336,000 | 3 / 2 |
| 2026-08-24 | $2.27 | $257,336,000 | 3 / 2 |
| 2026-08-25 | $2.27 | $257,336,000 | 3 / 2 |
| 2026-08-26 | $2.27 | $257,336,000 | 3 / 2 |
| 2026-08-27 | $2.27 | $257,336,000 | 3 / 2 |
| 2026-08-28 | $2.27 | $257,336,000 | 3 / 2 |
| 2026-08-29 | $2.27 | $257,336,000 | 3 / 2 |
| 2026-08-30 | $2.27 | $257,336,000 | 3 / 2 |
| 2026-08-31 | $2.27 | $257,336,000 | 3 / 2 |
| 2026-09-01 | $2.27 | $257,336,000 | 3 / 2 |
| 2026-09-02 | $2.27 | $257,336,000 | 3 / 2 |
| 2026-09-03 | $2.27 | $257,336,000 | 3 / 2 |
| 2026-09-04 | $2.27 | $257,336,000 | 3 / 2 |
| 2026-09-05 | $2.27 | $257,336,000 | 3 / 2 |
| 2026-09-06 | $2.27 | $257,336,000 | 3 / 2 |
| 2026-09-07 | $2.27 | $257,336,000 | 3 / 2 |
| 2026-09-08 | $2.27 | $257,336,000 | 3 / 2 |
| 2026-09-09 | $2.27 | $257,336,000 | 3 / 2 |
| 2026-09-10 | $2.27 | $257,336,000 | 3 / 2 |
| 2026-09-11 | $2.27 | $257,336,000 | 3 / 2 |
| 2026-09-12 | $2.27 | $257,336,000 | 3 / 2 |
| 2026-09-13 | $2.27 | $257,336,000 | 3 / 2 |
| 2026-09-14 | $2.27 | $257,336,000 | 3 / 2 |
| 2026-09-15 | $2.27 | $257,336,000 | 3 / 2 |
| 2026-09-16 | $2.27 | $257,336,000 | 3 / 2 |
| 2026-09-17 | $2.27 | $257,336,000 | 3 / 2 |
| 2026-09-18 | $2.27 | $257,336,000 | 3 / 2 |
| 2026-09-19 | $2.27 | $257,336,000 | 3 / 2 |
| 2026-09-20 | $2.27 | $257,336,000 | 3 / 2 |
| 2026-09-21 | $2.27 | $257,336,000 | 3 / 2 |
| 2026-09-22 | $2.27 | $257,336,000 | 3 / 2 |
| 2026-09-23 | $2.27 | $257,336,000 | 3 / 2 |
| 2026-09-24 | $2.27 | $257,336,000 | 3 / 2 |
| 2026-09-25 | $2.27 | $257,336,000 | 3 / 2 |
| 2026-09-26 | $2.27 | $257,336,000 | 3 / 2 |
| 2026-09-27 | $2.27 | $257,336,000 | 3 / 2 |
| 2026-09-28 | $2.27 | $257,336,000 | 3 / 2 |
| 2026-09-29 | $2.27 | $257,336,000 | 3 / 2 |
| 2026-09-30 | $2.27 | $257,008,249 | 3 / 2 |
| 2026-10-01 | $2.27 | $257,008,249 | 3 / 2 |
| 2026-10-02 | $2.27 | $257,008,249 | 4 / 2 |
| 2026-10-03 | $2.27 | $257,002,000 | 4 / 2 |
| 2026-10-04 | $2.27 | $257,002,000 | 4 / 2 |
| 2026-10-05 | $2.27 | $257,002,000 | 4 / 2 |
| 2026-10-06 | $2.27 | $257,002,000 | 4 / 2 |
| 2026-10-07 | $2.27 | $257,002,000 | 4 / 2 |
| 2026-10-08 | $2.27 | $257,002,000 | 4 / 2 |
| 2026-10-09 | $2.27 | $257,002,000 | 4 / 2 |
| 2026-10-10 | $2.27 | $257,002,000 | 4 / 2 |
| 2026-10-11 | $2.27 | $257,002,000 | 4 / 2 |
| 2026-10-12 | $2.27 | $257,002,000 | 4 / 2 |
| 2026-10-13 | $2.27 | $257,002,000 | 4 / 2 |
| 2026-10-14 | $2.27 | $257,002,000 | 4 / 2 |
| 2026-10-15 | $2.27 | $257,002,000 | 4 / 2 |
| 2026-10-16 | $2.27 | $257,002,000 | 4 / 2 |
| 2026-10-17 | $2.27 | $257,002,000 | 4 / 2 |
| 2026-10-18 | $2.27 | $257,002,000 | 4 / 3 |
| 2026-10-19 | $2.27 | $257,002,000 | 4 / 3 |
| 2026-10-20 | $2.27 | $257,002,000 | 4 / 3 |
| 2026-10-21 | $2.27 | $257,002,000 | 4 / 3 |
| 2026-10-22 | $2.27 | $257,002,000 | 4 / 3 |
| 2026-10-23 | $2.27 | $257,002,000 | 4 / 3 |
| 2026-10-24 | $2.27 | $257,002,000 | 4 / 3 |
| 2026-10-25 | $2.27 | $257,002,000 | 4 / 3 |
| 2026-10-26 | $2.27 | $257,002,000 | 4 / 3 |
| 2026-10-27 | $2.27 | $257,002,000 | 4 / 3 |
| 2026-10-28 | $2.25 | $255,737,000 | 4 / 3 |
| 2026-10-29 | $2.26 | $256,562,000 | 4 / 2 |
| 2026-10-30 | $2.26 | $256,562,000 | 4 / 2 |
| 2026-10-31 | $2.26 | $256,562,000 | 4 / 2 |
| 2026-11-01 | $2.26 | $256,562,000 | 4 / 2 |
| 2026-11-02 | $2.26 | $256,562,000 | 4 / 2 |
| 2026-11-03 | $2.26 | $256,562,000 | 4 / 2 |
| 2026-11-04 | $2.26 | $256,562,000 | 4 / 2 |
Revenue and EPS estimates track expectations. They are not delivered results or like-for-like proof of a required annual path.
Latest: 2 Buy / Strong Buy · 3 Hold · 0 Sell / Strong Sell
Recent actions · Oct 6–Nov 4 · 0 recorded
0 raises · 1 cuts · 0 unchanged · 0 without a comparable prior
Oct 6, 2026–Nov 4, 2026. Each firm's latest positive target is paired only with its immediately prior positive target from the same provider, at most 180 days earlier. Unmatched observations have one dot; conflicting observations are not compared.
3 of 3 published conditions remain under pressure or need verification. The next results need to address those conditions.
The dated weekly assessment and its assumptions are available in Read detailed Outlook.