Shore Bancshares, Inc. (SHBI)
NASDAQFinancialsBanks - RegionalSnapshot 2026-09-04
$23.63+1.42%
Close 2026-09-04 · 1-day change
NASDAQFinancialsBanks - RegionalSnapshot 2026-09-04
QuarterlyIQ Insights · SHBI
What must go right, what could break, what the price assumes, and what evidence comes next.
The current health of the standing investment case.
Recent financial performance dropped from the top half to the bottom half of its industry over the past month — the reason to own it has weakened.
One-year growth currently built into the price, compared with our model's estimate.
| Measure | Marker shape | Value |
|---|---|---|
| Growth built into the price | circle | -23.8% |
| Our one-year growth estimate | diamond | -13.8% |
For each item: what to watch, what would become a concern, and what would make it less concerning.
A reporting-risk estimate, not a forecast of the stock-price response.
Historical relationships that met the evidence threshold. They do not prove cause or forecast a move.
Usually moved in the same direction.
Price observations: 365 days
Most sensitive to the broad stock market.
Based on historical daily prices through 2026-09-04.
Past price behavior in dollars on a $10,000 position. This does not measure permanent business risk.
How much price usually moves either way.
Use the underlying financial and sector pages to investigate the cause.
Not investment advice. Scores describe historical and current data; they are not forecasts of future returns. Consult a licensed advisor before making investment decisions.
Growth built into the price is above our model estimate.
The price assumes 10.0 percentage points less one-year growth.
The one-year revenue growth assumption on Valuation.
Model as of 2026-09-04 · Compared with 219 industry peers
SHBI — legal / regulatory event — Notice of Delisting or Failure to Satisfy a Continued Listing Rule or Standar…
Dated 2026-07-23
Notice of Delisting or Failure to Satisfy a Continued Listing Rule or Standard; Transfer of Listing On July 17, 2026, Shore Bancshares, Inc. (the “Company”) provided initial notice to The Nasdaq Stock Market, Inc. (“Nasdaq”) that Shore United Bank, N.A., which is the Company’s wholly owned subsidiary bank (the “Bank”), had made payments to a law firm of which Mr. Louis P. Jenkins, Jr., a director and former member of the Audit Committee, is a partner. The payments made to the law firm were fo…
Why it matters: The outcome will affect Shore Bancshares' stock status and investor trust.
Worry ifThe delisting notice was resolved. Shore Bancshares can stay listed on Nasdaq.
Less concerning ifThe delisting notice was not resolved. This may lead to a transfer from Nasdaq.
Why it matters: Earnings growth shows Shore Bancshares' financial health. Beating expectations can raise investor trust.
Supportive ifQ3 earnings per share exceed $0.56.
Worry ifQ3 earnings per share fall below $0.56.
Why it matters: Expanding net interest margin is key for profitability. It shows how well the bank is managing its interest income.
Supportive ifNet interest margin increases by more than 5 basis points from Q1 2026.
Worry ifNet interest margin decreases or stays the same from Q1 2026.
Why it matters: If revenue growth in the sector goes down, it may hurt Shore Bancshares. This shows the financial environment is slowing.
Worry ifSector revenue growth falls below its median of 15%.
Less concerning ifSector revenue growth remains above its median.
We watch for confirming and disproving signals on each item. Resolutions are found automatically where possible and checked by hand for unclear cases. Last 90 days shown.
A larger daily loss that occurred about once in every 20 trading days.
Deepest peak-to-trough drop in the last year.
| Measure | Value | Meaning |
|---|---|---|
| Typical day | ±$103 on $10,000 · ±1.0% | How much price usually moves either way. |
| Bad day | $223 loss on $10,000 · 2.2% | A larger daily loss that occurred about once in every 20 trading days. |
| Largest peak-to-trough drop in the past year | $1,367 loss on $10,000 · 13.7% | Deepest peak-to-trough drop in the last year. |
Past year. 1.00 means similar movement; 1.20 means about 20% more.
Past year. 1.00 means similar movement to the sector. This is secondary context.
Latest 30 trading days, shown as an annual percentage.
Latest 252 trading days, shown as an annual percentage.
20-trading-day average in US dollars.
Trading days used by the source risk snapshot.
Past results, not a forecast. Not investment advice.
Why it matters: Growing book value per share indicates financial strength. It reflects how well the company is managing its assets.
Supportive ifBook value per share increases by more than 3% from Q1 2026.
Worry ifBook value per share decreases or grows less than 1%.
Why it matters: Low nonperforming assets show strong credit quality. It also means good risk management.
Supportive ifNonperforming assets are below 1.10% of total assets in Q3.
Worry ifNonperforming assets are over 1.10% of total assets. This points to credit quality problems.
Why it matters: A higher net interest margin shows better profits. It means good loan management and lower costs.
Supportive ifNet interest margin exceeds 3.70% in Q3 2026.
Worry ifNet interest margin falls below 3.70% in Q3 2026.
Why it matters: More net income means strong finances and good management. It shows the company can make money.
Supportive ifNet income exceeds $18.9 million in Q3 2026.
Worry ifNet income falls below $18.9 million in Q3 2026.
Why it matters: A rise in book value per share shows better capital growth. It means the company is stable and can grow.
Supportive ifBook value per share exceeds $18.44 in Q3 2026.
Worry ifBook value per share falls below $18.44 in Q3 2026.
Why it matters: News about the delisting notice can affect investor trust and stock performance. It shows if they follow rules.
Worry ifThe company fixes the delisting notice with Nasdaq.
Less concerning ifThe company does not handle the delisting notice well.