SHBI Stock Analysis: Buy, Sell, or Hold?
SHBI - Shore Bancshares Inc
$22.61
-0.03 (-0.13%)
▼
5d:
-1.18%
30d:
+2.17%
90d:
+15.77%
BUY
MODERATE Confidence
Analysis Updated: Jul 13, 2026 12:00 AM ET
Earnings: Jul 23, 2026
8d
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Interactive Price Chart (1 Month)
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Bottom Line:
💡 BUY OPPORTUNITY: SHBI shows positive signals but monitor for confirmation. Market pricing in 3.6% annual growth which appears achievable. Moderate conviction.
💡 BUY OPPORTUNITY: SHBI shows positive signals but monitor for confirmation. Market pricing in 3.6% annual growth which appears achievable. Moderate conviction.
Long-Term Wealth Forecast (2031)
Based on Analyst Consensus Growth & Historical Valuation
0% (Stagnation)
50% (Hyper Growth)
EST. PRICE IN 2031
$26.42
Based on 5.4% avg growth
INTRINSIC VALUE TODAY
$16.41
Trading above historical range
How this is calculated: We use a Growth Decay Model: starting with analyst consensus growth (adjusted above) and gradually slowing it down to a long-term terminal rate (4%) by Year 5. This provides a more realistic valuation than assuming constant hyper-growth. We then apply a 9.1x Exit PE.
In-depth Analysis How we analyze
Valuation Analysis: SHBI is currently trading at $22.61, which is considered fair relative to its 30-day fair value range of $21.72 to $23.00. From a valuation perspective, the stock is trading at a premium (Forward PE: 10.1) compared to its historical average (9.1). At these levels, the market is pricing in 3.6% annual earnings growth. This growth rate appears achievable given the company's track record, suggesting the valuation is rational.
Technical Outlook: Technically, SHBI is in a uptrend. The price is approaching resistance at $21.99. A breakout above this level would be a bullish signal, while rejection here could lead to consolidation.
Market Sentiment: The stock shows a mixed technical setup (55/100), with neutral trendline and momentum signals. Combining these factors, the current setup offers a favorable risk/reward ratio for buyers.
Technical Outlook: Technically, SHBI is in a uptrend. The price is approaching resistance at $21.99. A breakout above this level would be a bullish signal, while rejection here could lead to consolidation.
Market Sentiment: The stock shows a mixed technical setup (55/100), with neutral trendline and momentum signals. Combining these factors, the current setup offers a favorable risk/reward ratio for buyers.
Quick Decision Summary
Current Position
FAIR
Historical Trading Range
$21.72 -
$23.00
Company Quality Score
62/100
(BUY)
Volume Confirmation
HIGH
Confidence Score
68.6%
All Signals
- NEUTRAL: Price in fair range
- NEUTRAL: Mixed technical signals (55/100)
- BULLISH: High volume confirmation
- NEUTRAL: Near Wall St target ($22.75)
- NEUTRAL: Market pricing in 3.6% annual earnings growth - fairly valued
Trading Range Analysis
30-Day Trading Range
$21.72 -
$23.00
Current vs Trading Range
FAIR
Support & Resistance Levels
Support Level
$19.98
Resistance Level
$21.99
Current Trend
Uptrend
Technical data as of
Jun 9, 2026
Fundamental Context
Forward P/E (Next Year Est.)
10.13
Wall Street Target
$22.75
(+0.6%)
Revenue Growth (YoY)
14.8%
Earnings Growth (YoY)
24.4%
Profit Margin
28.0%
Valuation Premium vs History
+3.6% premium
PE vs Historical
10.1 vs 9.1
FAIR
Market-Implied Price Targets
If current PE multiple persists
Implied Growth (YoY):
+3.6%
(market-implied from PE analysis)
1-Year Target
$23.42
(+4%)
2-Year Target
$24.27
(+7%)
3-Year Target
$25.14
(+11%)
3-Yr Target (if PE normalizes)
(PE: 10→9)
PE COMPRESSION
$22.59
(0%)
Earnings growth offset by PE compression
3-Year Scenarios
Using analyst projected EPS growth
Bull:
(PE: 21.8, Growth: 6.8%)
$59.26
(+162%)
Base:
(SPY PE: 10.1, Growth: 6.8%)
$27.56
(+22%)
Bear:
(PE: 8.6, Growth: 6.8%)
$23.42
(+4%)
📈
Valuation based on Current Earnings
RECOVERY PLAY: Stock looks expensive now (12x PE), but valuation improves significantly next year (10x PE) as earnings recover.
Trailing PE: 12.04 | Current EPS (TTM): $1.88
Bull Case
$29.57
(+31%)
Analyst growth 18.8%, PE expands to 13.3
Base Case
$26.89
(+19%)
Market implied 18.8%, PE stable at 12.0
Bear Case
$15.40
(-32%)
Severe decline -20.0%, PE contracts to 10.2
These are projections based on PE multiples and EPS growth scenarios, not predictions. Actual results may vary significantly.
Share & Embed Analysis
Last updated: July 13, 2026 7:42 PM ET
Data refreshes hourly during market hours. Next update: 8:42 PM
Data refreshes hourly during market hours. Next update: 8:42 PM
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Technical Signals Check
Is SHBI showing a specific setup today?
Insider Activity (6 Months)
1
Buys
0
Sells
+
Net
INSIDERS BUYING
Recent Transactions
William E Esham III
BUY
5000 shares
2026-02-05
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