ScoreComparison
Company
Score
Quality
Valuation
Financial
Technical
Why is Shore Bancshares, Inc. ?
1
High Profitability with a Net Interest Margin of 28.78%
2
Healthy long term growth as Net profit has grown by an annual rate of 30.49%
3
The company has declared Positive results for the last 6 consecutive quarters
- NII(Q) Highest at USD 50.44 MM
- ROCE(HY) Highest at 0.95%
- NET SALES(Q) Highest at USD 80.16 MM
4
With ROA of 0.57%, it has a attractive valuation with a 0.94 Price to Book Value
- The stock is trading at a fair value compared to its peers' average historical valuations
- Over the past year, while the stock has generated a return of 34.18%, its profits have risen by 38.6% ; the PEG ratio of the company is 0.3
5
High Institutional Holdings at 68.63%
- These investors have better capability and resources to analyse fundamentals of companies than most retail investors.
- Their stake has increased by 2.51% over the previous quarter.
6
Market Beating Performance
- The stock has generated a return of 34.18% in the last 1 year, much higher than market (S&P 500) returns of 20.78%
Real-Time Research ReportHow much should you hold?
- Overall Portfolio exposure to Shore Bancshares, Inc. should be less than 10%
- Overall Portfolio exposure to Regional Banks should be less than 30%
(If sector exposure > 30%, please use optimiser tool to see which are the best stocks to hold in Regional Banks)
When to exit? - We will constantly monitor the company and suggest at the appropriate time to exit from the stock
Is Shore Bancshares, Inc. for you?
Medium Risk, High Return
Absolute
Risk Adjusted
Volatility
Shore Bancshares, Inc.
34.18%
2.30
29.77%
S&P 500
20.78%
1.08
19.33%
Quality
Management Risk
Growth
Capital StructureQuality key factors
Factor
Value
Sales Growth (5y)
39.03%
EBIT Growth (5y)
27.24%
EBIT to Interest (avg)
0
Debt to EBITDA (avg)
0
Net Debt to Equity (avg)
0
Sales to Capital Employed (avg)
0
Tax Ratio
0
Dividend Payout Ratio
26.97%
Pledged Shares
0
Institutional Holding
68.63%
ROCE (avg)
0
ROE (avg)
0
ValuationValuation Key Factors 
Factor
Value
P/E Ratio
10
Industry P/E
Price to Book Value
0.94
EV to EBIT
7.39
EV to EBITDA
5.76
EV to Capital Employed
0.92
EV to Sales
1.37
PEG Ratio
0.26
Dividend Yield
300.17%
ROCE (Latest)
12.46%
ROE (Latest)
9.52%
TechnicalsTechnical key factors
Indicator
Weekly
Monthly
MACD
Mildly Bearish
Bullish
RSI
No Signal
No Signal
Bollinger Bands
Sideways
Mildly Bullish
Moving Averages
Mildly Bullish (Daily)
KST
Bullish
Bullish
Dow Theory
Mildly Bearish
Mildly Bullish
OBV
Mildly Bearish
No Trend
Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned 
Financial Trend12What is working for the Company
NII(Q)
Highest at USD 50.44 MM
ROCE(HY)
Highest at 0.95%
NET SALES(Q)
Highest at USD 80.16 MM
OPERATING PROFIT(Q)
Highest at USD 20.78 MM
PRE-TAX PROFIT(Q)
Highest at USD 20.78 MM
NET PROFIT(Q)
Highest at USD 15.89 MM
EPS(Q)
Highest at USD 0.47
-5What is not working for the Company
ROCE(HY)
Lowest at 0.95%
GROSS NPA (%)
(Q
DIVIDEND PAYOUT RATIO(Y)
Lowest at 25.26%
Here's what is working for Shore Bancshares, Inc.
NII
Highest at USD 50.44 MM and Grown
In each period in the last five periodsMOJO Watch
The bank's income from core business is increasing
Net NPA
Net Sales
Highest at USD 80.16 MM
in the last five periodsMOJO Watch
Near term sales trend is positive
Net Sales (USD MM)
Operating Profit
Highest at USD 20.78 MM
in the last five periodsMOJO Watch
Near term Operating Profit trend is positive
Operating Profit (USD MM)
Pre-Tax Profit
Highest at USD 20.78 MM
in the last five periodsMOJO Watch
Near term Pre-Tax Profit trend is positive
Pre-Tax Profit (USD MM)
Net Profit
Highest at USD 15.89 MM
in the last five periodsMOJO Watch
Near term Net Profit trend is positive
Net Profit (USD MM)
EPS
Highest at USD 0.47
in the last five periodsMOJO Watch
Increasing profitability; company has created higher earnings for shareholders
EPS (USD)
CASA
Highest at 11.15%
in the last five periodsMOJO Watch
The Bank's capital base vs its risk assets is improving. However, the bank may not be taking adequate risk in its lending book.
CAR (%)
Here's what is not working for Shore Bancshares, Inc.
Non Performing Loans (%)
Highest at 0.82%
in the last four Semi-Annual periodsMOJO Watch
Proportion of stressed loans given by the bank are increasing
Non Performing Loans (%)
Dividend Payout Ratio
Lowest at 25.26%
in the last five yearsMOJO Watch
Company is distributing lower proportion of profits generated as dividend
DPR (%)
InfinHub Market Technologies FZ-LLC, Building-2, Unit 112, Dubai Internet City, Dubai, United Arab Emirates
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