What is the 13F Pro Quality Score for SHBI?

13F Pro ranks SHORE BANCSHARES INC (SHBI) on the 13F Pro Quality Score, a 0–100 composite of 32 fundamental signals including return on invested capital, free cash flow consistency, balance-sheet strength, earnings quality, growth durability, and valuation discipline. The score refreshes after each 10-K and 10-Q filing on SEC EDGAR. View SHBI's current score at https://13fpro.ai/research/SHBI (free sign-up required for the full ranking).

Where does 13F Pro source SHBI data?

All SHORE BANCSHARES INC fundamentals and ownership data come directly from SEC EDGAR. SHORE BANCSHARES INC files with the SEC under CIK 1035092. 13F Pro ingests XBRL financial facts from 10-K and 10-Q filings, Form 13F-HR institutional holdings, and Form 4 insider transactions, with no third-party rewrites or estimates.

What sector is SHBI in?

SHORE BANCSHARES INC (SHBI) is classified in the Financials sector. 13F Pro publishes sector-level fund flow analysis and quality leaders at https://13fpro.ai/research/sector/financials.

How often is SHBI research updated on 13F Pro?

SHBI's fundamentals refresh within hours of each new 10-K or 10-Q filing on SEC EDGAR. Institutional ownership updates after each quarterly 13F filing window. Insider transactions update after each Form 4 filing. The 13F Pro Quality Score recalculates after every fundamentals refresh.

SHORE BANCSHARES INC(SHBI)Stock Analysis

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13F Pro Quality Score

64.0/100

Rank #660 of 2,879 stocksTOP 25%

View Financials peers →

Rankings refresh quarterly once 80% of peers have filed (~45 days after quarter-end). Next update: ~Aug 14, 2026.

Revenue Growth

66.7/100

Profitability

97.8/100

Balance Sheet

43.2/100

Earnings Quality

95.4/100

Free Cash Flow

97.9/100

Institutional Flow

68.0/100

Revenue Scale

5.6/100

Dilution Risk

18.1/100

SHBI Stock Analysis & AI Quality Score

AI stock analysis and institutional research for SHORE BANCSHARES INC (SHBI), a Financials sector company. 13F Pro's AI-powered ranking engine scores SHBI at 64.0/100 on a 32-signal composite quality model, placing it at rank #660 of 2,879 stocks — the top 25% of the AI-ranked universe. SHBI scores in the top quartile across free cash flow (97.9), profitability (97.8), earnings quality (95.4). Areas of concern include revenue scale (5.6), which score below median versus the broader universe. Shareholder dilution risk is elevated at 18.1/100, reflecting ongoing share issuance or stock-based compensation. Based on the latest XBRL financial filings (Q1 2026), SHORE BANCSHARES INC reports quarterly revenue of $59.8M, net income of $17.1M, an operating margin of 37.9%. Top institutional holders of SHBI by reported 13-F value include BlackRock,, DIMENSIONAL FUND ADVISORS, VANGUARD CAPITAL MANAGEMENT, based on the most recent SEC filings. SHBI trades on the Nasdaq exchange and files with the SEC under CIK 1035092. 13F Pro's AI research platform runs 10 specialized AI analysts — value, growth, momentum, macro, and activist specialists — that debate SHBI daily and publish AI-generated analysis with cited SEC sources. The platform aggregates historical XBRL financial facts, 10-Q and 10-K filings, insider Form 4 transactions, and institutional 13-F holdings for SHORE BANCSHARES INC directly from SEC EDGAR. SHORE BANCSHARES INC's 13F Pro composite quality score has ranged between 8 and 70 since 2021, currently 64.0 — an improving long-term trajectory across 56 quarterly and live scoring snapshots.

Revenue

Q1 2026

$59.8M

Net Income

Q1 2026

$17.1M

Free Cash Flow

Q1 2026

$30.5M

Operating Margin

Q1 2026

37.9%

D/E Ratio

Q1 2026

0.15

Revenue & Net Income

Earnings Per Share

Key Financials Over Time

Export Financial Table · Pro+

Revenue

-0.3% YoY

$20.9MFY 2025

FY21 $11.0MFY23 $18.3MFY24 $20.9MFY25 $20.9M

Net Income

+35.6% YoY

$59.5MFY 2025

FY21 $15.4MFY23 $11.2MFY24 $43.9MFY25 $59.5M

EPS (Diluted)

+34.8% YoY

$1.78FY 2025

FY21 $1.17FY23 $0.42FY24 $1.32FY25 $1.78

Total Assets

+0.5% YoY

$6.26BFY 2025

FY21 $3.46BFY23 $6.01BFY24 $6.23BFY25 $6.26B

Total Debt

+20.8% YoY

$89.1MFY 2025

FY21 —FY23 $72.7MFY24 $73.7MFY25 $89.1M

Op. Cash Flow

+33.1% YoY

$62.4MFY 2025

FY21 $-7.5MFY23 $22.7MFY24 $46.9MFY25 $62.4M

Metric	FY 2025	FY 2024	FY 2023	FY 2021	FY 2020	FY 2018
Revenue	$20.9M -0.3%	$20.9M +14.0%	$18.3M +66.6%	$11.0M +19.6%	$9.2M +3.8%	$8.9M
Net Income	$59.5M +35.6%	$43.9M +290.9%	$11.2M -26.9%	$15.4M -2.3%	$15.7M -37.1%	$25.0M
EPS (Diluted)	$1.78 +34.8%	$1.32 +214.3%	$0.42 -64.1%	$1.17 -7.9%	$1.27 -35.2%	$1.96
Total Assets	$6.26B +0.5%	$6.23B +3.7%	$6.01B +73.7%	$3.46B +79.0%	$1.93B +30.4%	$1.48B
Total Debt	$89.1M +20.8%	$73.7M +1.4%	$72.7M	—	—	$75.8M
Operating Cash Flow	$62.4M +33.1%	$46.9M +106.4%	$22.7M +402.7%	$-7.5M -140.7%	$18.4M +0.7%	$18.3M

AI Insight: SHBI Financial Trends

Shore Bancshares delivered consistent net income growth from $11M in Q2 2024 to $17M in Q1 2026 while reducing debt from $123M to $89M.

• Net income increased 55% from $11M in Q2 2024 to $17M in Q1 2026.

• Total debt decreased from $123M in Q2 2024 to $89M in Q1 2026, improving leverage profile.

• Equity grew steadily from $523M in Q2 2024 to $603M in Q1 2026.

⚠ Operating cash flow turned negative to -$8M in Q2 2025 amid otherwise volatile patterns.

⚠ Revenue remained flat around $5-6M quarterly with no clear growth trajectory over eight quarters.

AI Insight: SHBI Ratio Trends

Shore Bancshares delivered strong profitability improvement with ROE expanding 270bp and ROA climbing 30bp from Q2 2024 to Q1 2026.

• ROE improved from 8.6% in Q2 2024 to 11.3% in Q1 2026, reflecting strengthening profitability.

• ROA increased from 0.8% in Q2 2024 to 1.1% in Q1 2026, indicating better asset utilization.

• ROIC expanded from 9.3% in Q2 2024 to 13.1% in Q1 2026, showing improved capital efficiency.

• Debt-to-equity ratio decreased from 0.23 in Q3 2024 to 0.15 in Q1 2026, strengthening balance sheet.

⚠ ROE declined from 11.0% in Q2 2025 to 9.9% in Q3 2025 before recovering.

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Available Research

13F Pro tracks comprehensive data for SHORE BANCSHARES INC including:

SEC EDGAR filings (10-K, 10-Q, 8-K)

XBRL financial facts (revenue, EPS, margins)

Insider transactions (Form 4)

Institutional 13F holdings

Quality rankings (32 signals)

AI analyst debates & daily meetings

Historical financial trends

Peer comparison & sector analysis

Top Institutional Holders of SHBI

BlackRock, Inc.
$56.5M3,023,567 sh
DIMENSIONAL FUND ADVISORS LP
$31.4M1,683,403 sh
VANGUARD CAPITAL MANAGEMENT LLC
$25.7M1,376,534 sh
WELLINGTON MANAGEMENT GROUP LLP
$18.9M1,013,675 sh
AMERICAN CENTURY COMPANIES INC
$17.9M960,608 sh
STATE STREET CORP
$17.3M925,163 sh
MANUFACTURERS LIFE INSURANCE COMPANY, THE
$16.6M890,084 sh
GEODE CAPITAL MANAGEMENT, LLC
$14.4M768,941 sh
GOLDMAN SACHS GROUP INC
$10.3M549,837 sh
Union Bankshares Corp
$9.1M486,930 sh

Fund	Value	Shares
BlackRock, Inc.	$56.5M	3,023,567
DIMENSIONAL FUND ADVISORS LP	$31.4M	1,683,403
VANGUARD CAPITAL MANAGEMENT LLC	$25.7M	1,376,534
WELLINGTON MANAGEMENT GROUP LLP	$18.9M	1,013,675
AMERICAN CENTURY COMPANIES INC	$17.9M	960,608
STATE STREET CORP	$17.3M	925,163
MANUFACTURERS LIFE INSURANCE COMPANY, THE	$16.6M	890,084
GEODE CAPITAL MANAGEMENT, LLC	$14.4M	768,941
GOLDMAN SACHS GROUP INC	$10.3M	549,837
Union Bankshares Corp	$9.1M	486,930

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Is SHBI a good stock to buy?

13F Pro's AI-powered analysis of SHORE BANCSHARES INC (SHBI) draws on SEC EDGAR-sourced fundamentals, institutional 13F holdings, and insider Form 4 transactions in the Financials sector (listed on Nasdaq). The 32-signal AI Quality Score, current rank, and full bull/bear verdict for SHBI are available on the SHBI stock profile dashboard — with the same data, AI insights, ratios, and institutional activity refreshed after every 10-K, 10-Q, 13F, and Form 4 filing.

Which hedge funds own SHBI?

Institutional investors are required to disclose their holdings quarterly via SEC Form 13F. 13F Pro aggregates these filings to show which hedge funds, mutual funds, and asset managers are buying or selling SHBI. Combined with insider transaction data from Form 4 filings and AI-powered analysis from 10 specialized research agents, 13F Pro provides a comprehensive view of SHORE BANCSHARES INC's investment landscape.