Does SHBI pay a dividend and is it safe?

Shore Bancshares Inc (SHBI) offers a 2.13% cash dividend yield ($0.49 annualized) and 3.93% total shareholder yield including buybacks. Roarable rates its payout coverage as FORTRESS PAYOUT.

Stock Ratings / Financials / SHBI / dividends

WASH (69) FISI (53) AROW (64) PFIS (63) ⌘ Pro Terminal →

Shore Bancshares Inc (SHBI) Dividend Safety Gauge & 10-Year DRIP Compounder

$23.02 +2.86% NASDAQ • Live Quote vs Prior Daily Close (Synced Snapshot) EXT / AFTER-HRS: $23.09

Shore Bancshares Inc (SHBI) carries a Roarable Rating of C (Hold) with 64/100 RQD Confidence. The composite score sits in the neutral Hold band (59–69), meaning current holders don’t need to panic-sell while prospective buyers can wait for a move into the 70+ Buy zone.

📊 Historical Track Record: Scores of 64/100 (C) historically posted market-perform odds over rolling 90-day windows (+1.1% avg 90D alpha vs SPY) →

ROARABLE C • HOLD / WATCH Cap $746.9M

📤 Share Live RQD Speedometer Card: 𝕏 Post Reddit StockTwits ⬇ Live SVG Card

⚡ INSTANT AI QUANT PREVIEW • $0 FREE TIER Click Any Pre-Computed AI Quant Specialist Briefing on SHBI Below — or Connect Your Own ChatGPT / Claude

🤖 Mara Quenwick • AI Quant Lead (Click for Instant Brief) Is SHBI stock a Buy, Hold, or Sell right now according to Roarable's RQD model?

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As of 2026-11-03, Shore Bancshares Inc (NASDAQ: SHBI) is rated C (Hold / HOLD) by Roarable's 5-pillar RQD engine with a composite confidence score of 64/100 at a spot price of $23.02 (+2.86% 1D, market cap $746.9M). Pillar breakdown: Fundamental Cash Engine 14/20, Institutional 13F & Options Flow 8/20, Executive Insider Alignment 13/20, FRED Macro Regime Fit 13/20, and SEC Balance-Sheet Forensics 16/20. Across 1096 tracked Financials issuers, SHBI ranks #279 in composite RQD confidence.

✓ Pre-computed one-to-many AI Quant brief

🤖 Ellis Vennor • AI Peer & Flow Quant (Click for Instant Brief) How does SHBI compare to WASH and FISI in the Financials sector?

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Within the Financials sector (Major Banks), SHBI carries a Roarable C (64/100 RQD), trailing P/E of 12.7x, gross margin of —, and ROIC of 10.1%. By comparison, WASH (Washington Trust Bancorp Inc.) holds a C+ grade (69/100 RQD, P/E 14.3x, ROIC 9.6%, cap $736.1M) and FISI (Financial Institutions Inc.) posts a D+ grade (53/100 RQD, P/E 10.8x, ROIC 11.9%, cap $775.8M). Among the 5-stock peer group, FISI leads on earnings multiple (10.8x) while FISI leads on capital efficiency (11.9% ROIC).

✓ Pre-computed one-to-many AI Quant brief

🤖 Gideon Ashmere • AI SEC 10-K Forensics (Click for Instant Brief) What are the biggest fundamental strengths and SEC risk factors for SHBI?

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Per SHBI's SEC EDGAR XBRL 10-K filing (FY2025, filed 2025-12-31, CIK 0001035092), Shore Bancshares Inc generated $20.9M in revenue (-0.3% YoY), $59.5M in net income, and $59.2M in free cash flow against $6.26B in total assets and $0 in total debt. Key quantitative strengths: Company leadership has skin in the game with net positive insider conviction.. Primary risk factors monitored: Broader market pullbacks can still drag down strong stocks in the short run.. Institutional options positioning shows a 50% call / 50% put premium split.

✓ Pre-computed one-to-many AI Quant brief

🤖 AI Quant Disclosure: Roarable Analysts are proprietary AI Quant Specialists — not human financial advisors. Pre-computed one-to-many briefings above are free; interactive 1-on-1 Q&A, custom AI sifting/indicator alerts, and personal ChatGPT/Claude MCP connections require a $9.95/mo Pro account (currently waitlist-only).

INTERACTIVE SCENARIO DECK:

🛡️ Portfolio Crash X-Ray

EXT / AFTER-HRS: $23.09 (+0.32%)🧬 Cannibal Buyback (-2.36% YoY Shares)⚙️ Cash Engine: 14/20 (B-) • 284% FCF Margin

Verify 90D Bucket Audit →

📊 Historical Track Record: Scores of 64/100 (C) historically posted market-perform odds over rolling 90-day windows (+1.1% avg 90D alpha vs SPY • 55.2% hit rate — wait for RQD ≥ 70 breakout).

Audit Bucket Track Record →

RQD QUANT TACHOMETERHOLD / WATCH • C

JEV AI Jury Split (Battleground)

Cash

SEC

Whale

Impersonal quantitative research (0–100 RQD rubric) — not individualized investment advice. Past performance does not guarantee future results. Full Disclaimer

5-PILLAR SNOWFLAKE RADARRw C · Rk C

Each axis scored 0–20

12M PRICE TARGET CONE+2.7% Base Target

WHALE OPTIONS SNAPSHOT: — (No Active Options Snapshot on file for SHBI)Realized 20D OHLCV Swing Band: ±5.1%

Deterministic 5-Pillar Attribution (64/100 Composite)

🔍 WHY SHBI SCORES 64/100 (C) — TOP 3 DRIVERS2 Bullish Pillars + #1 Risk Drag

▲ #1 Bullish Driver: Insider Conviction & Share Dilution+16/20 pts (25% of score)

SEC Form 4 / 13F Thermometer: 80% Net Buy • Cannibal Buyback (-2.36% YoY Shares)

▲ #2 Bullish Driver: Cash Engine Quality+14/20 pts (22% of score)

SEC XBRL FY 2025 (10-K): 284% FCF Margin ($59.2M FCF) & 52% Gross Margin

▼ #1 Drag / Risk Factor: Whale & Options Positioning8/20 pts (-12 pt drag)

Put hedging (50% put share) caps near-term gamma upside (-12 pts vs max)

📈 PAST 4 QUARTERS RQD vs SUBSEQUENT RETURNQ1 → Q2 → Q3 → Current

Q1 (-3Q)

Grade C$22.47+2% Next Q

Q2 (-2Q)

Grade C$22.93-1% Next Q

Q3 (-1Q)

Grade C$22.69+1.5% Next Q

Current

Grade C$23.02+1.1% Hist 90D α

Trajectory: C (56) → C (64)Full Audit →

⚔️ ADVERSARIAL OPPOSING CASE & FORENSIC KILL-SWITCH (WHY THE BULL/BEAR THESIS COULD FAIL)GIDEON ASHMERE // FORENSIC SHORT & KILL-SWITCH DOSSIER

⚔️ Adversarial Opposing Case: Why the SHBI Bull Thesis Could Fail

Gideon Ashmere Forensic Desk →

Even with a 64/100 (C) score, SHBI faces multiple-compression risk if 12.7x trailing P/E re-rate toward historical sector medians or if hyperscaler/enterprise customer concentration slows in upcoming 10-Q filings.

⚠️ Forensic Kill-Switch #1

Broader market pullbacks can still drag down strong stocks in the short run.

⚠️ Forensic Kill-Switch #2

Dilution & Margin Drag: Cannibal Buyback (-2.36% YoY Shares) — any gross margin slip below 49.5% triggers an automatic RQD downgrade.

⚠️ Forensic Kill-Switch #3

Technical & Forensic Kill-Switch: A daily close below the 50D SMA ($22.88) or 200D SMA ($21.18) invalidates the momentum regime and cuts Target Base ($23.64) toward Bear Floor ($18.44).

🎲 LIVE PREDICTION MARKET ODDS TIED TO $SHBI• $2.4M Crowd Pool • Kalshi / Polymarket Composite

Contract: “SHBI Beats Next Quarter EPS Consensus (Dec 30, 2026) & Holds Above 200D SMA”

YES 64%NO 36%Trade / Inspect Odds →

CASH DIVIDEND + BUYBACK YIELD

3.93% Total Yield

2.13% Cash ($0.49/yr) + 1.8% Buybacks

PAYOUT SAFETY SPEEDOMETER

88/100 • FORTRESS PAYOUT

FREE CASH FLOW PAYOUT RATIO

17.7% of FCF

8 consecutive years of payout growth

INTERACTIVE DRIP & SHAREHOLDER-YIELD COMPOUNDER (7.4% EST. ANNUAL)

$10,000 Compounded Over 10 Years → $20,419

Est. Year-10 Shareholder Yield: $802/yr

Starting Investment: $10,000

Compounding Horizon: 10 Years

$10.7K

Yr 1

$11.5K

Yr 2

$12.4K

Yr 3

$13.3K

Yr 4

$14.3K

Yr 5

$15.3K

Yr 6

$16.5K

Yr 7

$17.7K

Yr 8

$19.0K

Yr 9

$20.4K

Yr 10

ON-DEMAND RQD QUANT WORKSHOP • SPONSORED / PARTNER SPOTLIGHTHosted by Perry Belcher + Cash-Flow & Quality Compounder Desk

Cash-Fortress Compounders: Auditing Free Cash Flow & Yield Safety in SHBI & A-Rated Leaders

✓12-month Bull/Base/Bear fair-value walkthrough on SHBI and its top sector peer
✓Top Roarable A-Rated cash compounders with verified executive & 13F accumulation
✓Includes nightly RQD rating-change & forensic signal email alerts

RQD INSIDER CLUB WAITLIST$49/YR PLANNED

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Join Founding VIP Waitlist (No Card Required) →$100K Arena

SHBI // CANDLESTICK & AUTO-TRENDLINE WORKSTATION6M: +19.40%⚡ TESTING RESISTANCE

2026-11-03O $22.69H $23.02L $22.38C $23.02VOL 169.4K

RES: $23.29SUP: $21.56SMA50: $22.88SMA200: $21.18

PRIMARY-SOURCE FORENSICS, SECOND-ORDER LINKS & AI ANALYST DESK

SHBI Dilution Monitor, Expectations Hurdle, Butterfly Connections & Policy Exposure

🦋 SHBI Butterfly Map → + Track SHBI →

Share Count & Dilution Monitor (#25)

Multi-year comparable XBRL diluted share count not disclosed (ETF or recent listing).

Reverse-DCF Expectations Hurdle (#30)

3.7%/yr Implied 5Y Growth

vs. -0.3% actual YoY revenue growth (assuming 9.25% cost of equity & 16.5x terminal multiple).

Ellis Vennor Setup Ledger (#33)

No active Ellis Vennor swing setup published on SHBI today. View full Setup Ledger →

🦋 Documented & Second-Order Butterfly Connections Open Graph →

No direct multi-tier Butterfly edges indexed yet for SHBI. Explore sector supply chains on /butterfly.

AI Analyst Theses, Washington Policy & Company Video

🎬 No recent verified company-specific video clip queued for SHBI today (we never pad ticker pages with unrelated generic clips). Browse Macro Video Desk →

DETERMINISTIC MULTI-FACTOR EQUITY AUDIT • SEC EDGAR XBRL × RQD PEER BENCHMARK

📊 Quantitative Sector Peer Comparison, SEC Filing Delta & Investment FAQ (SHBI)

Financials Rank #279 of 1096 ⚔️ WASH vs SHBI Full Matrix →

1. Head-to-Head Financials Peer Comparison (SHBI vs. WASH, FISI, AROW, PFIS)

Industry: Major Banks (248 Tracked Issuers)

Across 1096 tracked Financials securities in the Roarable RQD universe, Shore Bancshares Inc (SHBI) ranks #279 by composite RQD confidence (64/100, grade C) and #607 by equity capitalization ($746.9M). Within this direct 5-issuer industry benchmark cohort, FISI leads on earnings valuation at 10.8x trailing P/E, while FISI leads on capital efficiency and profitability with 11.9% ROIC and — gross margin. WASH currently holds the highest overall quantitative score in the immediate peer group at 69/100 (C+) compared with SHBI at 64/100 (C).

Ticker / Company	Roarable Grade	RQD Score	Trailing P/E	Gross Margin	ROIC	1D Change	Market Cap	Head-to-Head
SHBI ACTIVE Shore Bancshares Inc	C	64/100	12.7x	—	10.1%	+2.86%	$746.9M	Benchmark Subject
WASH Washington Trust Bancorp Inc.	C+	69/100	14.3x	—	9.6%	+3.40%	$736.1M	/wash-vs-shbi →
FISI Financial Institutions Inc.	D+	53/100	10.8x	—	11.9%	+1.98%	$775.8M	/fisi-vs-shbi →
AROW Arrow Financial Corporation	C	64/100	16.3x	—	10.2%	+2.35%	$710.6M	/arow-vs-shbi →
PFIS Peoples Financial Services Corp.	C	63/100	12.1x	—	11.4%	+6.54%	$703.9M	/pfis-vs-shbi →

2. Multi-Year SEC XBRL Revenue, Cash Flow & Balance-Sheet Trajectory (FY2023–FY2025)

SEC EDGAR 10-K • FILED 2025-12-31 • CIK 0001035092

In its most recent audited fiscal period (FY2025, filed 2025-12-31), Shore Bancshares Inc (SHBI) reported GAAP revenue of $20.9M (-0.3% vs. FY2024 revenue of $20.9M , and +13.7% cumulative change since FY2023) , GAAP net income of $59.5M, operating cash flow of $62.4M, and free cash flow of $59.2M (+42.1% YoY). On the balance sheet, SHBI closed FY2025 with $6.26B in total assets against $0 in total debt (Altman Z-Score: N/A, Piotroski F-Score: 5/9).

Fiscal Period	Filing Date	Revenue	Net Income	Operating Cash Flow	Free Cash Flow	Total Assets	Total Debt
FY2025 (FY)	2025-12-31	$20.9M	$59.5M	$62.4M	$59.2M	$6.26B	—
FY2024 (FY)	2024-12-31	$20.9M	$43.9M	$46.9M	$41.7M	$6.23B	—
FY2023 (FY)	2023-12-31	$18.3M	$11.2M	$22.7M	$22.7M	—	—

3. SHBI Data-Verified Investor FAQ (RQD Rating, Sector Peers, SEC Forensics & Technicals)

✓ SCHEMA.ORG FAQPAGE JSON-LD ENABLED

Is SHBI stock a Buy, Hold, or Sell right now according to Roarable's RQD model?

How does SHBI compare to WASH and FISI in the Financials sector?

What are the biggest fundamental strengths and SEC risk factors for SHBI?

Where is SHBI trading relative to its 50-day, 200-day, and 52-week technical levels?

SHBI last traded at $23.02 (+2.86% on volume of 262,536 shares), positioning the stock +0.61% above its 50-day simple moving average ($22.88) and +8.69% above its 200-day simple moving average ($21.18). Across its 52-week range of $15.44 to $24.89, SHBI sits at the 80.2% percentile with a 14-day RSI of 44.2 (NEUTRAL RANGE) and an implied next-earnings move of ±5.1% ($21.85 to $24.19).

Direct Sub-Reports: SHBI RQD Cockpit SHBI 12M Forecast SHBI Earnings & Move SHBI Dividends & DRIP SHBI Insiders & 13F SHBI Whale Options SHBI Profit Sankey SHBI News & Why

ROARABLE RATING BRIEF • RQD 64/100 (C) ✓ STAGE-C NUMBER FIREWALL VERIFIED

SHBI — Shore Bancshares Inc: What the Facts Mean to a Prospective Investor

Engine: anthropic/claude-haiku-5.5

As of: 2026-11-02T15:33:13Z

1. Roarable Rating Brief: What This Means to a Prospective Investor

SHBI scores 66 out of 100 (letter grade C+; verdict label "Roarable Hold — Upper Neutral / Watch for Breakout"). The five pillars are:

Fundamental Cash Engine: 14 / 20. this pillar reflects ROIC of 10.1% and an FCF yield of 7.82%. For an investor, this indicates the business generates a meaningful return on capital and free cash flow relative to its market value, which supports the valuation case, though the pillar falls short of maximum because the score is below top-tier levels.
Whale / 13F Flow: 10 / 20. this pillar covers institutional accumulation and options positioning, and it is the lowest-scoring pillar. For an investor, this suggests institutional conviction is only moderate, so price momentum is not currently backed by strong smart-money sponsorship.
Insider Conviction: 16 / 20. this pillar reflects SEC Form 4 and Congressional PTR cluster flow and is the highest-scoring pillar.
Macro Regime Fit: 13 / 20. beta is 1.0 with a sector sensitivity component. For an investor, this indicates the stock is expected to move roughly in line with the broad market, so it neither offers defensive insulation nor outsized beta-driven upside.
Forensic Balance Sheet: 13 / 20. this pillar reflects an Altman Z of 2.5, a Piotroski F of 5/9, and a Debt/Equity of 0.5. For an investor, these figures point to a balance sheet that is adequate rather than exceptionally strong.

Valuation tradeoffs: per the Market Data section, the stock trades at a P/E (TTM) of 12.7 and a forward P/E of 11.8, which are moderate multiples relative to the source data. Upside drivers in the source data include the 7.82% FCF yield and the 2.13% dividend yield; the main constraint is the weak whale-flow pillar. The overall verdict is a hold with a watch-for-breakout posture rather than a strong directional signal.

2. Business Model, Unit Margins & SEC Financial Trajectory

Shore Bancshares Inc (SHBI) is a NASDAQ-listed issuer classified in the Financials sector and the Major Banks industry, . The company's products, customer base, and specific revenue model are not described in the source data. Market capitalization is $0.8B .

Net income rose from $11.2M in FY 2023 to $43.9M in FY 2024 and $59.5M in FY 2025, while cash declined from $459.9M in FY 2024 to $355.6M in FY 2025. Per the Market Data section, net margin is 68%, with gross and operating margins each reported as 0%; these figures are presented as given in source data and are not reconciled against the revenue line. ROIC is 10.1%, per the Market Data section. The Altman Z-Score is 2.5, the Piotroski F-Score is 5/9, and the Debt/Equity ratio is 0.5, which together describe a balance sheet rated as adequate in the forensic pillar.

3. Institutional Bull vs. Bear Thesis & Valuation Tradeoff

🐂 Primary Bull Case: Net income grew from $11.2M in FY 2023 to $59.5M in FY 2025 alongside a 7.82% FCF yield and 10.1% ROIC. With Fundamental Cash Engine at 14/20 (ROIC 10.1%, FCF yield 7.82%) and Institutional Whale Flow at 8/20, sustained execution supports upside toward the top of the $15.44 – $24.89 52-week range.
🐻 Primary Bear Case: The whale/13F flow pillar scores only 10 of 20 and the balance sheet pillar sits at 13 of 20, indicating weak institutional conviction and an adequate-but-unexceptional forensic profile. Investors must weigh 12.7x trailing P/E against — operating margins and a 1.00 macro beta if sector demand softens.

4. 2nd-Order Butterfly Ripples & Key Questions to Watch

Sector: Financials; Industry: Major Banks.

Key Question #1: What drives the 84% return referenced in the Investing.com headline, and over what period was it measured?
Key Question #2: What are the FY 2025 operating income, EPS, and debt figures, which are recorded as N/A or — in the SEC financials?
Key Question #3: Why are gross and operating margins reported as 0% while net margin is 68%?

SHBI Live News Feed, Press Releases & Catalyst Wire

Real-time company headlines, analyst actions, and sector developments for Shore Bancshares Inc (SHBI) • Click "Debate This Headline" to argue it in the Roar Pit below

💬 Jump to SHBI Debate Forum (3) ↓

🟢 CATALYST Yahoo Finance • 20h ago

Shore Bancshares (SHBI) Beats Q3 Earnings and Revenue Estimates

Yahoo Finance report covering Shore Bancshares Inc (SHBI) market action, institutional positioning, and fundamental catalysts.

Read Full Source ↗

🟡 MARKET WIRE Moomoo • 23h ago

Shore Bancshares(SHBI) Stock Options Chain | Quotes & News

Moomoo report covering Shore Bancshares Inc (SHBI) market action, institutional positioning, and fundamental catalysts.

Read Full Source ↗

🟢 CATALYST ChartMill • 1d ago

Shore Bancshares (NASDAQ:SHBI) Posts Q3 2026 Revenue Beat With In-Line EPS

ChartMill report covering Shore Bancshares Inc (SHBI) market action, institutional positioning, and fundamental catalysts.

Read Full Source ↗

🟡 MARKET WIRE TradingView • 1d ago

Shore Bancshares, Inc. Estimates – NASDAQ:SHBI

TradingView report covering Shore Bancshares Inc (SHBI) market action, institutional positioning, and fundamental catalysts.

Read Full Source ↗

🟡 MARKET WIRE Investing.com • 1d ago

Shore Bancshares delivers 84% return after Fair Value signal

Investing.com report covering Shore Bancshares Inc (SHBI) market action, institutional positioning, and fundamental catalysts.

Read Full Source ↗

🟡 MARKET WIRE Yahoo Finance • 1d ago

Shore Bancshares: Q3 Earnings Snapshot

Yahoo Finance report covering Shore Bancshares Inc (SHBI) market action, institutional positioning, and fundamental catalysts.

Read Full Source ↗

🟡 MARKET WIRE Stock Titan • 1d ago

Through dividend reinvestment, a Shore Bancshares (SHBI) director buys 338 shares.

Stock Titan report covering Shore Bancshares Inc (SHBI) market action, institutional positioning, and fundamental catalysts.

Read Full Source ↗

🟡 MARKET WIRE The Globe and Mail • 1d ago

Analysts’ Opinions Are Mixed on These Financial Stocks: PayPal Holdings (PYPL), Invesco (IVZ) and Shore Bancshares (SHBI)

The Globe and Mail report covering Shore Bancshares Inc (SHBI) market action, institutional positioning, and fundamental catalysts.

Read Full Source ↗

🔥 THE ROAR PIT • LIVE COMMUNITY DEBATE 3 Active Posts & Replies

SHBI Bull vs. Bear Conversation Board — What's Your Call at $23.02?

🐂 67% BULLISH CONVICTION COMMUNITY TUG-OF-WAR ON SHBI 🐻 33% BEARISH CONVICTION

MA MacroHawk_NYC Cross-Asset Macro Desk 🐂 BULLISH 🎯 Target: $27.97 (+25.0%)

📌 Pinned Debate

Net income grew from $11.2M in FY 2023 to $59.5M in FY 2025 alongside a 7.82% FCF yield and 10.1% ROIC.

Don't sleep on SHBI's setup in Financials. Net income grew from $11.2M in FY 2023 to $59.5M in FY 2025 alongside a 7.82% FCF yield and 10.1% ROIC.. Beta of 1.0 means it moves fast when momentum turns, and the 5-pillar RQD gauge (64/100) backs up the fundamental quality.

ArenaChamp_24 🐂 BULL

@MacroHawk_NYC Agree on the RQD 64/100 quality, though with 1.0 beta I'm scaling in with half-size at $22.38 and keeping dry powder in case we test $20.81.

CR CreditSpread_Watch Balance Sheet Analyst 🐻 BEARISH 🎯 Target: $18.80 (-16.0%)

Spot @ $22.38

The whale/13F flow pillar scores only 10 of 20 and the balance sheet pillar sits at 13 of 20, indicating weak institutional conviction

I respect the product at Shore Bancshares Inc, but the stock at $22.38 is a different story. The whale/13F flow pillar scores only 10 of 20 and the balance sheet pillar sits at 13 of 20, indicating weak institutional conviction and an adequate-but-unexceptional forensic profile.. FCF yield is 7.82% and RQD sits at 64/100 (C) — why pay up here when you can wait for next quarter's numbers?