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

Shore Bancshares Inc (SHBI) 12-Month Stock Forecast & Price Target Cone

$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.

ROARABLE C • HOLD / WATCH Cap $746.9M
📤 Share Live RQD Speedometer Card: 𝕏 Post Reddit StockTwits ⬇ Live SVG Card
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🤖 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, SEC Balance-Sheet Forensics 13/20, FRED Macro Regime Fit 13/20, and Executive Insider Alignment 16/20. Across 1097 tracked Financials issuers, SHBI ranks #280 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
025507510064
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
Cash (14)Whales (8)SEC (13)Macro (13)CEO (16)
Each axis scored 0–20
12M PRICE TARGET CONE+2.7% Base Target
$28 Bull$24 Base$18 Bear
📬 FREE SHBI RATING-CHANGE & BRIEFING ALERTSManage / Unsubscribe
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)
56
Grade C$22.47+2% Next Q
Q2 (-2Q)
59
Grade C$22.93-1% Next Q
Q3 (-1Q)
61
Grade C$22.69+1.5% Next Q
Current
64
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 →
INTERACTIVE 12-MONTH POSITION SIMULATOR

Drag to Test Your SHBI Position Size: $10,000

Shares at $23.02: 434.4 sh
$1,000$10,000$25,000$50,000$100,000
12M Bear Case FloorTarget $18.44
$8,010
$-1,990 (-19.9%)
12M Consensus BaseTarget $23.64
$10,269
+$269 (+2.7%)
12M Bull Case BreakoutTarget $27.90
$12,120
+$2,120 (+21.2%)

Wall Street Analyst Breakdown & Historical Accuracy Audit (28 Desks)

Street Historical Accuracy: 64/100
● Strong Buy / Buy: 17● Hold: 9● Sell: 2
Wall Street FirmStance12M Target1Y AccuracyTrack Grade
Morgan StanleyInstitutional Equity DeskHOLD$2574%A
Goldman SachsSector Coverage LeadBUY$2669%B
JP MorganUS Large-Cap ResearchHOLD$2158%C
ON-DEMAND RQD QUANT WORKSHOP • SPONSORED / PARTNER SPOTLIGHTHosted by Perry Belcher & Roarable Quantitative Research Desk

Scheduled RQD Strong Buys & Whale Accumulation Briefing (SHBI Tape Review)

  • ✓Breakdown of the highest-scoring RQD Green-Light breakouts across our 5,200+ rated universe
  • ✓Forensic Red-Light accounting & dilution traps to review on your watchlist
  • ✓Includes downloadable .ics calendar invite & nightly RQD rating-change email alerts
RQD INSIDER CLUB WAITLIST$49/YR PLANNED
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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
$25.40$23.27$21.14$19.01$16.88RES $23.29SUP $21.56$23.022026-05-042026-06-172026-08-042026-09-182026-11-03
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

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

Reverse-DCF Expectations Hurdle
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

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 #280 of 1097 ⚔️ 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 1097 tracked Financials securities in the Roarable RQD universe, Shore Bancshares Inc (SHBI) ranks #280 by composite RQD confidence (64/100, grade C) and #608 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?

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, SEC Balance-Sheet Forensics 13/20, FRED Macro Regime Fit 13/20, and Executive Insider Alignment 16/20. Across 1097 tracked Financials issuers, SHBI ranks #280 in composite RQD confidence.

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

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).

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

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.

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) ✓ SEC XBRL & RQD VERIFIED

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

Methodology: RQD v6.2 Deterministic 5-Pillar & SEC XBRL Audit
Updated: 2025-12-31

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

Shore Bancshares Inc (SHBI) earns a live Roarable RQD composite score of 64/100, corresponding to a C letter grade (Roarable Hold) at a spot price of $23.02 (+2.86% 1D, market capitalization $746.9M).

  • Fundamental Cash Engine (14/20): Anchored by return on invested capital (ROIC) of 10.1%, gross margin of —, operating margin of —, and free cash flow yield of 7.82%.
  • Whale 13F & Options Flow (8/20) + Insider Conviction (16/20): Tracks institutional 13F accumulation, CBOE options call/put positioning, and SEC Form 4 / Congressional PTR filings.
  • Macro Regime Fit (13/20) + Forensic Balance Sheet (13/20): Incorporates a 1.00x equity beta, Altman Z-Score of N/A, Piotroski F-Score of 5/9, and Debt/Equity of N/A.

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 .

In its latest audited SEC EDGAR 10-K filing for FY2025 (filed 2025-12-31), Shore Bancshares Inc (SHBI) reported $20.9M in annual revenue (up from $20.9M in FY2024, -0.3% YoY) and $59.5M in GAAP net income. Over the multi-year SEC filing window from FY2023 ($18.3M revenue, $11.2M net income) through FY2025, SHBI scaled operating cash flow to $62.4M and free cash flow to $59.2M, backed by $6.26B in total assets against $0 in total debt.

3. Institutional Bull vs. Bear Thesis & Valuation Tradeoff

  • 🐂 Primary Bull Case (C • RQD 64/100): Company leadership has skin in the game with net positive insider conviction. Free cash flow yield of 7.82% and institutional whale pillar of 8/20. With Fundamental Cash Engine at 14/20 and Institutional Whale Flow at 8/20, sustained execution supports upside toward the upper end of the $15.44 – $24.89 52-week range.
  • 🐻 Primary Bear Case & Valuation Risk: Broader market pullbacks can still drag down strong stocks in the short run. Investors must weigh 12.7x trailing P/E against — operating margins and a 1.00x macro beta.

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

Sector: Financials; Industry: Major Banks.

  • Key Question #1: Can SHBI sustain or expand its — operating margin and 10.1% ROIC against Major Banks peers over the next 4 quarters?
  • Key Question #2: Following FY2025 revenue of $20.9M and free cash flow of $59.2M, how will capital allocation balance growth reinvestment against $0 in total debt?
  • Key Question #3: How sensitive is SHBI's 11.8x forward P/E multiple to Financials capital spending cycles and macro interest-rate shifts (Beta 1.00x)?

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) ↓
🔥 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
1. Pick Your Side on SHBI:
💡 Tip: Back up your call with a price target or RQD metric to get upvoted to the top.
MA MacroHawk_NYC RQD DEBATE OPENER • 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 RQD DEBATE OPENER • 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?

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