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
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 sits below its industry cohort — worth keeping an eye on, though it has not freshly broken.
One-year growth currently built into the price, compared with our model's estimate.
| Measure | Marker shape | Value |
|---|---|---|
| Growth built into the price | circle | -7.8% |
| Our one-year growth estimate | diamond | -16.6% |
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 2026-11-04.
Past price behavior in dollars on a $10,000 position. This does not measure permanent business risk.
How much price usually moves either way.
A larger daily loss that occurred about once in every 20 trading days.
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 8.8 percentage points more one-year growth.
The one-year revenue growth assumption on Valuation.
Model as of 2026-11-04 · Compared with 230 industry peers · Company calendar date is not available
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: Total deposits rose 5.5% in Q3, but seasonal municipal deposits drove much of the rise. Core deposit growth is a clearer test of the deposit plan.
Supportive ifQ4 core deposits rise by more than $10.2 million. This excludes municipal and cannabis deposits.
Worry ifQ4 core deposits fall or grow by less than $10.2 million.
Why it matters: Q3 margin rose to 3.78%, though loan payoff income helped lift it. A margin above that level would show continued strength after that boost.
Watch forQ4 net interest margin is above 3.78%, and margin excluding loan payoff gains is above Q3's 3.50%.
Also watch forQ4 net interest margin is below 3.78%, or margin excluding loan payoff gains falls below 3.50%.
Why it matters: Nonperforming assets rose to $81.8 million in Q3, from $67.2 million in Q2. Another rise would show credit stress is spreading or taking longer to clear.
Worry ifQ4 nonperforming assets exceed $81.8 million, or their share rises above 1.27%.
Less concerning ifQ4 nonperforming assets fall below $81.8 million and their share falls below 1.27%.
Why it matters: Three large nonaccrual loans totaled $48.2 million. More charge-offs or lower appraisals would add pressure to credit results.
Worry ifA later filing reports more charge-offs or specific reserves on the three loans. These exceed the $3.9 million charged off and $3.1 million reserved.
Less concerning ifThe three loans show no added charge-offs or reserves, and their total balance falls below $48.2 million.
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.
Deepest peak-to-trough drop in the last year.
| Measure | Value | Meaning |
|---|---|---|
| Typical day | ±$82 on $10,000 · ±0.8% | How much price usually moves either way. |
| Bad day | $202 loss on $10,000 · 2.0% | 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.