Shore Bancshares (SHBI)
Market Price (5/20/2026): $19.16 | Market Cap: $640.5 MilSector: Financials | Industry: Regional Banks
Shore Bancshares (SHBI)
Market Price (5/20/2026): $19.16Market Cap: $640.5 MilSector: FinancialsIndustry: Regional Banks
Investment Highlights Why It Matters Detailed financial logic regarding cash flow yields vs trend-riding momentum.
Attractive yieldTotal YieldTotal Yield = Earnings Yield + Dividend Yield, Earnings Yield = Net Income / Market Cap Dividend Yield = Total Dividends / Market Cap is 12%, Dividend Yield is 2.5%, ERPEquity Risk Premium (ERP) = Total Yield - Risk Free Rate, Reflects the premium above risk free assets offered by the investment. is 8.2%, FCF Yield is 11% Cash is significant % of market capNet D/ENet Debt/Equity. Debt net of cash. Negative indicates net cash. Equity is taken as the Market Capitalization is -68% Attractive cash flow generationCFO/Rev LTMCash Flow from Operations / Revenue (Sales), Last Twelve Months (LTM) is 32%, FCF/Rev LTMFree Cash Flow / Revenue (Sales), Last Twelve Months (LTM) is 31% Low stock price volatilityVol 12M is 26% Megatrend and thematic driversMegatrends include Fintech & Digital Payments. Themes include Online Banking & Lending, and Digital Payments. | Key risksSHBI key risks include [1] a high concentration in commercial real estate (CRE) that is driving asset quality deterioration and [2] broader negative credit trends evidenced by rising non-performing assets and a notable marine loan write-off. |
| Attractive yieldTotal YieldTotal Yield = Earnings Yield + Dividend Yield, Earnings Yield = Net Income / Market Cap Dividend Yield = Total Dividends / Market Cap is 12%, Dividend Yield is 2.5%, ERPEquity Risk Premium (ERP) = Total Yield - Risk Free Rate, Reflects the premium above risk free assets offered by the investment. is 8.2%, FCF Yield is 11% |
| Cash is significant % of market capNet D/ENet Debt/Equity. Debt net of cash. Negative indicates net cash. Equity is taken as the Market Capitalization is -68% |
| Attractive cash flow generationCFO/Rev LTMCash Flow from Operations / Revenue (Sales), Last Twelve Months (LTM) is 32%, FCF/Rev LTMFree Cash Flow / Revenue (Sales), Last Twelve Months (LTM) is 31% |
| Low stock price volatilityVol 12M is 26% |
| Megatrend and thematic driversMegatrends include Fintech & Digital Payments. Themes include Online Banking & Lending, and Digital Payments. |
| Key risksSHBI key risks include [1] a high concentration in commercial real estate (CRE) that is driving asset quality deterioration and [2] broader negative credit trends evidenced by rising non-performing assets and a notable marine loan write-off. |
Qualitative Assessment
AI Analysis | Feedback
1. Shore Bancshares reported record net income of $17.1 million for the first quarter of 2026, translating to $0.55 adjusted diluted earnings per share (EPS). This significantly surpassed the Zacks Consensus Estimate of $0.45 per share by 23.6%. The net income marked an increase of $1.2 million from $15.9 million in the fourth quarter of 2025.
2. The company experienced a notable increase in its Net Interest Income (NII) and Net Interest Margin (NIM) in Q1 2026. Net interest income rose by $2.4 million to $52.6 million compared to $50.2 million in the fourth quarter of 2025. The net interest margin expanded to 3.64% in Q1 2026, up from 3.21% in the first quarter of 2025 and 3.43% in Q4 2025, primarily driven by a decrease in interest expense on deposits and long-term borrowings.
Show more
Stock Movement Drivers
Fundamental Drivers
The 1.6% change in SHBI stock from 1/31/2026 to 5/19/2026 was primarily driven by a 5.9% change in the company's Total Revenues ($ Mil).| (LTM values as of) | 1312026 | 5192026 | Change |
|---|---|---|---|
| Stock Price ($) | 18.85 | 19.15 | 1.6% |
| Change Contribution By: | |||
| Total Revenues ($ Mil) | 219 | 232 | 5.9% |
| Net Income Margin (%) | 26.0% | 27.1% | 4.2% |
| P/E Multiple | 11.1 | 10.2 | -8.0% |
| Shares Outstanding (Mil) | 33 | 33 | 0.0% |
| Cumulative Contribution | 1.6% |
Market Drivers
1/31/2026 to 5/19/2026| Return | Correlation | |
|---|---|---|
| SHBI | 1.6% | |
| Market (SPY) | 6.3% | 44.7% |
| Sector (XLF) | -3.9% | 62.6% |
Fundamental Drivers
The 24.4% change in SHBI stock from 10/31/2025 to 5/19/2026 was primarily driven by a 8.8% change in the company's Total Revenues ($ Mil).| (LTM values as of) | 10312025 | 5192026 | Change |
|---|---|---|---|
| Stock Price ($) | 15.40 | 19.15 | 24.4% |
| Change Contribution By: | |||
| Total Revenues ($ Mil) | 213 | 232 | 8.8% |
| Net Income Margin (%) | 25.2% | 27.1% | 7.4% |
| P/E Multiple | 9.6 | 10.2 | 6.6% |
| Shares Outstanding (Mil) | 33 | 33 | -0.2% |
| Cumulative Contribution | 24.4% |
Market Drivers
10/31/2025 to 5/19/2026| Return | Correlation | |
|---|---|---|
| SHBI | 24.4% | |
| Market (SPY) | 8.2% | 39.5% |
| Sector (XLF) | -1.6% | 56.9% |
Fundamental Drivers
The 42.7% change in SHBI stock from 4/30/2025 to 5/19/2026 was primarily driven by a 24.5% change in the company's Net Income Margin (%).| (LTM values as of) | 4302025 | 5192026 | Change |
|---|---|---|---|
| Stock Price ($) | 13.42 | 19.15 | 42.7% |
| Change Contribution By: | |||
| Total Revenues ($ Mil) | 202 | 232 | 14.9% |
| Net Income Margin (%) | 21.8% | 27.1% | 24.5% |
| P/E Multiple | 10.2 | 10.2 | 0.0% |
| Shares Outstanding (Mil) | 33 | 33 | -0.3% |
| Cumulative Contribution | 42.7% |
Market Drivers
4/30/2025 to 5/19/2026| Return | Correlation | |
|---|---|---|
| SHBI | 42.7% | |
| Market (SPY) | 33.8% | 48.0% |
| Sector (XLF) | 6.4% | 63.9% |
Fundamental Drivers
The 60.5% change in SHBI stock from 4/30/2023 to 5/19/2026 was primarily driven by a 86.4% change in the company's Total Revenues ($ Mil).| (LTM values as of) | 4302023 | 5192026 | Change |
|---|---|---|---|
| Stock Price ($) | 11.93 | 19.15 | 60.5% |
| Change Contribution By: | |||
| Total Revenues ($ Mil) | 124 | 232 | 86.4% |
| Net Income Margin (%) | 25.1% | 27.1% | 8.1% |
| P/E Multiple | 7.6 | 10.2 | 34.0% |
| Shares Outstanding (Mil) | 20 | 33 | -40.6% |
| Cumulative Contribution | 60.5% |
Market Drivers
4/30/2023 to 5/19/2026| Return | Correlation | |
|---|---|---|
| SHBI | 60.5% | |
| Market (SPY) | 83.3% | 45.0% |
| Sector (XLF) | 61.7% | 62.3% |
Price Returns Compared
| 2021 | 2022 | 2023 | 2024 | 2025 | 2026 | Total [1] | |
|---|---|---|---|---|---|---|---|
| Returns | |||||||
| SHBI Return | 47% | -14% | -15% | 16% | 15% | 10% | 57% |
| Peers Return | 29% | -28% | 25% | 8% | 29% | -4% | 56% |
| S&P 500 Return | 27% | -19% | 24% | 23% | 16% | 8% | 97% |
Monthly Win Rates [3] | |||||||
| SHBI Win Rate | 75% | 42% | 42% | 50% | 58% | 80% | |
| Peers Win Rate | 44% | 50% | 56% | 50% | 65% | 41% | |
| S&P 500 Win Rate | 75% | 42% | 67% | 75% | 67% | 60% | |
Max Drawdowns [4] | |||||||
| SHBI Max Drawdown | -13% | -17% | -43% | -28% | -29% | -14% | |
| Peers Max Drawdown | -22% | -39% | -36% | -25% | -24% | -23% | |
| S&P 500 Max Drawdown | -5% | -25% | -10% | -8% | -19% | -9% | |
[1] Cumulative total returns since the beginning of 2021
[2] Peers: NEWT, ATLO, AGBK, NU, FITB.
[3] Win Rate = % of calendar months in which monthly returns were positive
[4] Max drawdown represents maximum peak-to-trough decline within a year
[5] 2026 data is for the year up to 5/19/2026 (YTD)
How Low Can It Go
| Event | SHBI | S&P 500 |
|---|---|---|
| 2025 US Tariff Shock | ||
| % Loss | -27.3% | -18.8% |
| % Gain to Breakeven | 37.6% | 23.1% |
| Time to Breakeven | 81 days | 79 days |
| Summer-Fall 2023 Five Percent Yield Shock | ||
| % Loss | -21.1% | -9.5% |
| % Gain to Breakeven | 26.7% | 10.5% |
| Time to Breakeven | 38 days | 24 days |
| 2023 SVB Regional Banking Crisis | ||
| % Loss | -37.4% | -6.7% |
| % Gain to Breakeven | 59.7% | 7.1% |
| Time to Breakeven | 540 days | 31 days |
| 2022 Inflation Shock & Fed Tightening | ||
| % Loss | -15.6% | -24.5% |
| % Gain to Breakeven | 18.5% | 32.4% |
| Time to Breakeven | 1155 days | 427 days |
| 2020 COVID-19 Crash | ||
| % Loss | -51.0% | -33.7% |
| % Gain to Breakeven | 104.0% | 50.9% |
| Time to Breakeven | 338 days | 140 days |
| Q4 2018 Fed Policy Error / Growth Scare | ||
| % Loss | -26.0% | -19.2% |
| % Gain to Breakeven | 35.2% | 23.8% |
| Time to Breakeven | 361 days | 105 days |
In The Past
Shore Bancshares's stock fell -27.3% during the 2025 US Tariff Shock. Such a loss loss requires a 37.6% gain to breakeven.
Preserve Wealth
Limiting losses and compounding gains is essential to preserving wealth.
Asset Allocation
Actively managed asset allocation strategies protect wealth. Learn more.
| Event | SHBI | S&P 500 |
|---|---|---|
| 2025 US Tariff Shock | ||
| % Loss | -27.3% | -18.8% |
| % Gain to Breakeven | 37.6% | 23.1% |
| Time to Breakeven | 81 days | 79 days |
| Summer-Fall 2023 Five Percent Yield Shock | ||
| % Loss | -21.1% | -9.5% |
| % Gain to Breakeven | 26.7% | 10.5% |
| Time to Breakeven | 38 days | 24 days |
| 2023 SVB Regional Banking Crisis | ||
| % Loss | -37.4% | -6.7% |
| % Gain to Breakeven | 59.7% | 7.1% |
| Time to Breakeven | 540 days | 31 days |
| 2020 COVID-19 Crash | ||
| % Loss | -51.0% | -33.7% |
| % Gain to Breakeven | 104.0% | 50.9% |
| Time to Breakeven | 338 days | 140 days |
| Q4 2018 Fed Policy Error / Growth Scare | ||
| % Loss | -26.0% | -19.2% |
| % Gain to Breakeven | 35.2% | 23.8% |
| Time to Breakeven | 361 days | 105 days |
| 2011 US Debt Ceiling Crisis & European Contagion | ||
| % Loss | -41.1% | -17.9% |
| % Gain to Breakeven | 69.8% | 21.8% |
| Time to Breakeven | 175 days | 123 days |
| 2010 Eurozone Sovereign Debt Crisis / Flash Crash | ||
| % Loss | -25.4% | -15.4% |
| % Gain to Breakeven | 34.1% | 18.2% |
| Time to Breakeven | 2298 days | 125 days |
| 2008-2009 Global Financial Crisis | ||
| % Loss | -44.5% | -53.4% |
| % Gain to Breakeven | 80.1% | 114.4% |
| Time to Breakeven | 25 days | 1085 days |
In The Past
Shore Bancshares's stock fell -27.3% during the 2025 US Tariff Shock. Such a loss loss requires a 37.6% gain to breakeven.
Preserve Wealth
Limiting losses and compounding gains is essential to preserving wealth.
Asset Allocation
Actively managed asset allocation strategies protect wealth. Learn more.
About Shore Bancshares (SHBI)
AI Analysis | Feedback
Here are 1-3 brief analogies for Shore Bancshares:
A community-focused Bank of America for the Mid-Atlantic region.
Like a regional Wells Fargo, serving specific counties in Maryland, Delaware, and Virginia.
AI Analysis | Feedback
```html- Deposit Accounts: Provides checking, savings, money market, and certificate of deposit accounts for individuals and businesses.
- Commercial Lending: Offers a variety of loans for businesses, including working capital, real estate, construction, and lines of credit.
- Residential Lending: Originates residential mortgage loans and construction loans for homeowners.
- Consumer Lending: Supplies loans to individuals for purposes such as home equity, auto, and personal financing.
- Investment Services: Provides non-deposit products including mutual funds, annuities, and discount brokerage services.
- Wealth Management & Trust Services: Offers comprehensive trust administration, asset management, and financial planning services.
- Digital & Ancillary Banking Services: Includes online and mobile banking, merchant services, debit/credit cards, and ATM access.
AI Analysis | Feedback
Shore Bancshares (SHBI) operates as a bank holding company, and as such, its customer base is diverse rather than consisting of a few identifiable major companies. The company provides a broad range of financial products and services to both individuals and businesses within its operating regions. For a bank, customers are best described in categories rather than by specific names. Shore Bancshares serves the following major customer categories:Shore Bancshares (SHBI) serves a diverse customer base, primarily categorized as:
-
Individual Consumers: This category includes individuals and families who utilize a wide array of personal banking products and services. These include checking, savings, overnight investment sweep, and money market accounts; regular and IRA certificates of deposit; residential mortgage loans; residential real estate construction loans; and various consumer loans such as home equity, automobile, installment, home improvement, and personal lines of credit. They also access non-deposit products like mutual funds and annuities, and general banking services such as ATM, mobile, and internet banking.
-
Businesses and Other Organizations: This segment consists of various commercial entities, including small to medium-sized businesses and other organizations in need of commercial banking and lending solutions. Services provided include commercial loans (secured and unsecured, working capital loans, lines of credit, term loans, accounts receivable financing, real estate acquisition and development loans, construction loans, and letters of credit), business checking and savings accounts, CDARS programs, cash management services, and merchant credit card clearing.
-
Affluent Individuals and Families: This specific group of customers, a subset of individual consumers, utilizes specialized financial services focusing on wealth management. They are clients for non-deposit products such as mutual funds and annuities, discount brokerage services, and more comprehensive offerings like trust, asset management, and financial planning services.
AI Analysis | Feedback
nullAI Analysis | Feedback
James M. Burke, President and Chief Executive Officer
Mr. Burke was appointed President and Chief Executive Officer of Shore Bancshares, Inc. and Shore United Bank, N.A. on July 1, 2023, following the merger between Shore Bancshares and The Community Financial Corporation. His total yearly compensation is approximately $1.17 million.
Charles S. Cullum, Executive Vice President and Chief Financial Officer
Mr. Cullum was appointed Executive Vice President and Chief Financial Officer, effective April 21, 2025. He brings over 20 years of financial experience, having most recently served as Chief Financial Officer at Sandy Spring Bancorp since May 2024. Prior to that, he held various financial roles at Sandy Spring, including Deputy Chief Financial Officer, Financial Division Executive, and Treasurer.
Donna J. Stevens, Executive Vice President and Chief Operating Officer
No detailed background information is available from the search results.
Lacey Amanda Pierce, Executive Vice President and Chief Strategy and Project Officer
Ms. Pierce was appointed Executive Vice President and Chief Strategy and Project Officer in January 2025. She previously served as Executive Vice President and Chief Administrative Officer since July 2023, after the merger of Shore Bancshares and The Community Financial Corporation. Before the merger, she was Executive Vice President and Chief Administrative Officer of Community Bank of the Chesapeake. Ms. Pierce is responsible for strategic planning and execution and the Company's overall project management strategy.
Christy Lombardi, Executive Vice President, Chief Human Resources Officer
Ms. Lombardi was appointed Executive Vice President, Chief Human Resources Officer in July 2023, following the merger of Shore Bancshares and The Community Financial Corporation. Before joining the Company, she served as Executive Vice President, Chief Operating Officer of The Community Financial Corporation and Community Bank of the Chesapeake, where she was responsible for overseeing operations, human resources, information technology, and shareholder relations. Ms. Lombardi has 25 years of banking experience.
AI Analysis | Feedback
The key risks to Shore Bancshares (SHBI) are primarily centered around its loan portfolio, interest rate sensitivity, and specific regulatory challenges.1. Commercial Real Estate (CRE) Concentration and Credit Risk
Shore Bancshares has a significant concentration in commercial real estate loans, which represents a substantial portion of its total loan portfolio (approximately 53.95%). This high concentration exposes the company to elevated credit risk, particularly if local economic conditions in its operating regions (Maryland, Delaware, and Virginia) deteriorate, or if there is a downturn in the real estate market. The company's 10-K report and financial analyses highlight this exposure, noting that such conditions could lead to decreased demand for loans, increased nonperforming loans, and higher provisions for credit losses.
2. Interest Rate Risk
As a financial institution, Shore Bancshares is highly susceptible to fluctuations in interest rates. Mismatches in the repricing of its interest-earning assets (like loans) and interest-bearing liabilities (like deposits) can significantly impact its net interest income and overall profitability. Persistent inflation, rising interest rates, or other adverse economic and market conditions can decrease loan demand, reduce deposit balances, and adversely affect the value of its investment portfolio.
3. Regulatory and Legal Risks Related to Cannabis Banking
Shore Bancshares' involvement in banking services for cannabis-related businesses (CRBs) presents unique regulatory and legal risks. Despite state-level legalization efforts, cannabis remains classified as a Schedule I controlled substance under federal law. This discrepancy creates legal uncertainty, and any changes in federal enforcement priorities could subject the company to legal action, fines, or other penalties, affecting its operations and reputation.
AI Analysis | Feedback
A clear emerging threat to Shore Bancshares comes from digital-first financial technology companies, often referred to as neobanks or challenger banks. These companies operate primarily through online and mobile platforms, offering core banking products and services (checking, savings, loans, payments) with lower overhead, often better digital user experiences, and sometimes lower fees compared to traditional banks. Similar to how Netflix disrupted Blockbuster by offering a more convenient, digital-first service that bypassed physical locations, these fintechs threaten traditional banks like Shore Bancshares by attracting customers, particularly younger demographics, who prioritize digital convenience and may find physical branches less relevant. While Shore Bancshares offers mobile and Internet banking, its core operational model, including its extensive branch and ATM network, faces a structural challenge from entities built from the ground up for a purely digital banking environment.
AI Analysis | Feedback
Shore Bancshares, Inc. operates in Maryland, Delaware, and Virginia, offering a range of commercial and consumer banking products and services, as well as wealth management.
Addressable Market Sizes for Main Products/Services:
Deposits
- Maryland: The total deposits in Maryland banks were approximately $195 billion in 2024.
- Richmond region, Virginia: Total deposits in the Richmond region of Virginia were $67.68 billion as of June 30, 2025. (Note: This figure represents a specific region, not the entire state of Virginia, where Shore Bancshares operates in Accomack County).
Loans
-
Commercial Loans (Small Business Loans):
- Maryland: Small business loans in Maryland totaled $10.2 billion in 2024.
- Delaware: Total reported new lending to businesses through loans of $1 million or less was $1.1 billion in 2021.
-
Real Estate and Mortgage Loans:
- Maryland: New home loans booked in Maryland amounted to $23.2 billion in 2024.
- Delaware: The market size of the Real Estate Loans & Collateralized Debt industry in Delaware is projected to be $2.7 billion in 2026.
- Virginia: The market size of the Real Estate Loans & Collateralized Debt industry in Virginia is projected to be $108.4 billion in 2026.
Wealth Management and Investment Advice
- Delaware: The market size of the Portfolio Management & Investment Advice industry in Delaware is projected to be $3.9 billion in 2026.
- Virginia: The market size of the Portfolio Management & Investment Advice industry in Virginia is projected to be $5.7 billion in 2026.
AI Analysis | Feedback
Expected Drivers of Future Revenue Growth for Shore Bancshares (SHBI)
Shore Bancshares (SHBI) is anticipated to experience revenue growth over the next two to three years, driven by several key factors in its banking operations. Analysts forecast Shore Bancshares' revenue to grow by approximately 8.4% per annum.
- Net Interest Margin (NIM) Expansion: A significant driver of future revenue growth for Shore Bancshares is expected to be the expansion of its Net Interest Margin. This is attributed to loans repricing favorably and a lower cost of deposits. The company has already demonstrated meaningful expansion in net interest margin.
- Loan Portfolio Growth: The expansion of Shore Bancshares' loan portfolio is projected to be a key contributor to increased interest income. Growth in the loan portfolio has led to higher reserves for credit losses, indicating an ongoing increase in lending activities.
- Growth in Mortgage Banking Activity: Increased revenue from mortgage banking and related activities, including mortgage servicing, is expected to bolster non-interest income.
- Diversification and Growth of Other Non-Interest Income Streams: Beyond mortgage banking, Shore Bancshares anticipates growth from other non-interest income sources. This includes gains on sales of loans held for sale and potential contributions from areas such as credit card incentives.
AI Analysis | Feedback
Capital Allocation Decisions (Last 3-5 Years) for Shore Bancshares (SHBI)
Share Repurchases
- Shore Bancshares announced a new stock repurchase program on July 6, 2022, authorizing the repurchase of up to $5.0 million of its common stock.
- This program allowed for the repurchase of approximately 1.4% of the 19.8 million outstanding shares at the time.
- The program was set to expire on March 31, 2023.
Share Issuance
- The weighted average diluted shares outstanding for Shore Bancshares increased significantly from 19.90 million in 2022 to 33.21 million in 2023.
- As of March 6, 2025, the number of shares outstanding of the registrant's common stock was 33,352,164.
- In February and March 2026, Restricted Stock Units (RSUs) vested for company executives, converting into common stock. For example, 696 shares were issued on February 27, 2026, and 994 and 1,196 shares were issued on March 6 and 7, 2026, respectively, though some were withheld for tax purposes.
Outbound Investments
- On July 1, 2023, Shore Bancshares completed the acquisition of The Community Financial Corporation (TCFC) for approximately $153.6 million.
- This acquisition expanded Shore Bancshares' banking footprint into Southern Maryland and the greater Fredericksburg area in Virginia.
Capital Expenditures
- Shore Bancshares Inc invested $677K in capital expenditures in Q4 2025.
- This Q4 2025 capital expenditure amount represented a 15.5% increase from the prior quarter.
Latest Trefis Analyses
| Title | Date | |
|---|---|---|
| DASHBOARDS | ||
| With Shore Bancshares Stock Down 7.0% In A Month, How Confident Are You? | 10/17/2025 |
| Title | |
|---|---|
| ARTICLES |
Trade Ideas
Select ideas related to SHBI.
| Date | Ticker | Company | Category | Trade Strategy | 6M Fwd Rtn | 12M Fwd Rtn | 12M Max DD |
|---|---|---|---|---|---|---|---|
| 04302026 | EEFT | Euronet Worldwide | Dip Buy | DB | P/E OPMDip Buy with Low PE and High MarginBuying dips for companies with tame PE and meaningfully high operating margin | 0.0% | 0.0% | 0.0% |
| 04242026 | HOMB | Home BancShares | Insider | Insider Buys | Low D/EStrong Insider BuyingCompanies with strong insider buying in the last 1 month, positive operating income and reasonable debt / market cap | 1.5% | 1.5% | 0.0% |
| 03312026 | HBAN | Huntington Bancshares | Insider | Insider Buys 45DStrong Insider BuyingCompanies with multiple insider buys in the last 45 days | 7.1% | 7.1% | 0.0% |
| 03312026 | NP | Neptune Insurance | Insider | Insider Buys 45DStrong Insider BuyingCompanies with multiple insider buys in the last 45 days | 3.9% | 3.9% | 0.0% |
| 03272026 | JKHY | Jack Henry & Associates | Monopoly | MY | Getting CheaperMonopoly-Like with P/S DeclineLarge cap with monopoly-like margins or cash flow generation and getting cheaper based on P/S multiple | 0.3% | 0.3% | -4.0% |
Research & Analysis
Invest in Strategies
Wealth Management
Peer Comparisons
| Peers to compare with: |
Financials
| Median | |
|---|---|
| Name | |
| Mkt Price | 16.00 |
| Mkt Cap | 0.8 |
| Rev LTM | 3,066 |
| Op Inc LTM | - |
| FCF LTM | 103 |
| FCF 3Y Avg | 46 |
| CFO LTM | 209 |
| CFO 3Y Avg | 51 |
Growth & Margins
| Median | |
|---|---|
| Name | |
| Rev Chg LTM | 13.9% |
| Rev Chg 3Y Avg | 22.8% |
| Rev Chg Q | 17.8% |
| QoQ Delta Rev Chg LTM | 4.1% |
| Op Inc Chg LTM | - |
| Op Inc Chg 3Y Avg | - |
| Op Mgn LTM | - |
| Op Mgn 3Y Avg | - |
| QoQ Delta Op Mgn LTM | - |
| CFO/Rev LTM | 16.5% |
| CFO/Rev 3Y Avg | 23.6% |
| FCF/Rev LTM | 11.2% |
| FCF/Rev 3Y Avg | 21.1% |
Valuation
| Median | |
|---|---|
| Name | |
| Mkt Cap | 0.8 |
| P/S | 3.2 |
| P/Op Inc | - |
| P/EBIT | - |
| P/E | 10.8 |
| P/CFO | 9.8 |
| Total Yield | 12.0% |
| Dividend Yield | 0.0% |
| FCF Yield 3Y Avg | 8.8% |
| D/E | 0.3 |
| Net D/E | -0.6 |
Returns
| Median | |
|---|---|
| Name | |
| 1M Rtn | -4.8% |
| 3M Rtn | -6.8% |
| 6M Rtn | 20.6% |
| 12M Rtn | 23.3% |
| 3Y Rtn | 82.9% |
| 1M Excs Rtn | -7.9% |
| 3M Excs Rtn | -13.1% |
| 6M Excs Rtn | 7.9% |
| 12M Excs Rtn | 0.1% |
| 3Y Excs Rtn | 8.5% |
Price Behavior
| Market Price | $19.15 | |
| Market Cap ($ Bil) | 0.6 | |
| First Trading Date | 04/09/2001 | |
| Distance from 52W High | -5.4% | |
| 50 Days | 200 Days | |
| DMA Price | $18.93 | $17.60 |
| DMA Trend | up | indeterminate |
| Distance from DMA | 1.2% | 8.8% |
| 3M | 1YR | |
| Volatility | 24.7% | 26.1% |
| Downside Capture | 110.49 | 84.43 |
| Upside Capture | 64.23 | 94.69 |
| Correlation (SPY) | 48.3% | 46.2% |
| 1M | 2M | 3M | 6M | 1Y | 3Y | |
|---|---|---|---|---|---|---|
| Beta | 1.03 | 0.68 | 0.72 | 0.75 | 1.02 | 0.96 |
| Up Beta | 0.86 | 0.81 | 0.74 | 0.96 | 1.39 | 0.88 |
| Down Beta | 3.48 | 0.42 | 0.37 | 0.36 | 0.87 | 0.95 |
| Up Capture | 68% | 70% | 85% | 105% | 95% | 103% |
| Bmk +ve Days | 15 | 22 | 31 | 66 | 141 | 428 |
| Stock +ve Days | 13 | 23 | 36 | 70 | 133 | 363 |
| Down Capture | 368% | 68% | 77% | 62% | 87% | 101% |
| Bmk -ve Days | 4 | 18 | 30 | 56 | 108 | 321 |
| Stock -ve Days | 9 | 19 | 27 | 54 | 117 | 370 |
[1] Upside and downside betas calculated using positive and negative benchmark daily returns respectively
Based On 1-Year Data
| Annualized Return | Annualized Volatility | Sharpe Ratio | Correlation with SHBI | |
|---|---|---|---|---|
| SHBI | 32.0% | 26.1% | 1.03 | - |
| Sector ETF (XLF) | 0.6% | 14.6% | -0.18 | 63.2% |
| Equity (SPY) | 25.0% | 12.1% | 1.55 | 46.2% |
| Gold (GLD) | 40.0% | 26.8% | 1.23 | -5.4% |
| Commodities (DBC) | 49.4% | 18.5% | 2.03 | -23.5% |
| Real Estate (VNQ) | 9.7% | 13.4% | 0.45 | 41.7% |
| Bitcoin (BTCUSD) | -25.6% | 41.9% | -0.59 | 20.5% |
Smart multi-asset allocation framework can stack odds in your favor. Learn How
Based On 5-Year Data
| Annualized Return | Annualized Volatility | Sharpe Ratio | Correlation with SHBI | |
|---|---|---|---|---|
| SHBI | 6.2% | 28.6% | 0.23 | - |
| Sector ETF (XLF) | 8.7% | 18.6% | 0.35 | 55.6% |
| Equity (SPY) | 14.2% | 17.0% | 0.65 | 42.7% |
| Gold (GLD) | 19.3% | 18.0% | 0.87 | -0.5% |
| Commodities (DBC) | 11.0% | 19.4% | 0.45 | 7.7% |
| Real Estate (VNQ) | 4.0% | 18.8% | 0.11 | 43.4% |
| Bitcoin (BTCUSD) | 9.4% | 55.6% | 0.38 | 17.6% |
Smart multi-asset allocation framework can stack odds in your favor. Learn How
Based On 10-Year Data
| Annualized Return | Annualized Volatility | Sharpe Ratio | Correlation with SHBI | |
|---|---|---|---|---|
| SHBI | 7.9% | 37.1% | 0.32 | - |
| Sector ETF (XLF) | 12.5% | 22.2% | 0.52 | 58.5% |
| Equity (SPY) | 15.3% | 17.9% | 0.73 | 47.7% |
| Gold (GLD) | 13.0% | 16.0% | 0.67 | -1.7% |
| Commodities (DBC) | 8.4% | 17.9% | 0.38 | 12.1% |
| Real Estate (VNQ) | 5.1% | 20.7% | 0.21 | 46.3% |
| Bitcoin (BTCUSD) | 67.2% | 66.9% | 1.06 | 12.1% |
Smart multi-asset allocation framework can stack odds in your favor. Learn How
Returns Analyses
Earnings Returns History
Expand for More| Forward Returns | |||
|---|---|---|---|
| Earnings Date | 1D Returns | 5D Returns | 21D Returns |
| 4/23/2026 | -0.8% | 0.3% | |
| 1/28/2026 | 0.4% | 9.0% | 1.1% |
| 10/23/2025 | -0.1% | -1.6% | 5.9% |
| 7/24/2025 | -1.4% | -3.4% | 5.4% |
| 4/29/2025 | 7.2% | 10.7% | 11.1% |
| 1/30/2025 | 3.5% | 5.1% | -4.2% |
| 10/24/2024 | -0.7% | 0.7% | 15.5% |
| 7/25/2024 | 4.9% | 5.4% | -2.2% |
| ... | |||
| SUMMARY STATS | |||
| # Positive | 12 | 15 | 15 |
| # Negative | 12 | 9 | 8 |
| Median Positive | 1.7% | 4.4% | 5.4% |
| Median Negative | -1.4% | -10.3% | -5.6% |
| Max Positive | 7.2% | 10.7% | 15.5% |
| Max Negative | -8.7% | -16.9% | -16.0% |
SEC Filings
Expand for More| Report Date | Filing Date | Filing |
|---|---|---|
| 03/31/2026 | 05/04/2026 | 10-Q |
| 12/31/2025 | 03/02/2026 | 10-K |
| 09/30/2025 | 11/04/2025 | 10-Q |
| 06/30/2025 | 08/07/2025 | 10-Q |
| 03/31/2025 | 05/08/2025 | 10-Q |
| 12/31/2024 | 03/10/2025 | 10-K |
| 09/30/2024 | 11/07/2024 | 10-Q |
| 06/30/2024 | 08/09/2024 | 10-Q |
| 03/31/2024 | 05/09/2024 | 10-Q |
| 12/31/2023 | 03/15/2024 | 10-K |
| 09/30/2023 | 11/14/2023 | 10-Q |
| 06/30/2023 | 08/14/2023 | 10-Q |
| 03/31/2023 | 05/15/2023 | 10-Q |
| 12/31/2022 | 03/30/2023 | 10-K |
| 09/30/2022 | 11/14/2022 | 10-Q |
| 06/30/2022 | 08/15/2022 | 10-Q |
Insider Activity
Expand for More| # | Owner | Title | Holding | Action | Filing Date | Price | Shares | Transacted Value | Value of Held Shares | Form |
|---|---|---|---|---|---|---|---|---|---|---|
| 1 | Slater, A Joseph JR | Direct | Sell | 3032026 | 18.78 | 1,802 | 33,842 | 1,251,387 | Form | |
| 2 | Esham, William E Iii | IRA | Buy | 2092026 | 19.99 | 5,000 | 99,950 | 110,145 | Form | |
| 3 | Willey, Dawn M | IRA | Buy | 12012025 | 17.67 | 1,000 | 17,670 | 212,034 | Form | |
| 4 | Kaslow, Aaron Michael | EVP, Chief Legal Officer | Direct | Buy | 11202025 | 15.56 | 6,500 | 101,140 | 101,140 | Form |
| 5 | Lamon, John | Direct | Buy | 11102025 | 15.92 | 200 | 3,184 | 993,058 | Form |
External Quote Links
| Y Finance | Barrons |
| TradingView | Morningstar |
| SeekingAlpha | ValueLine |
| Motley Fool | Robinhood |
| CNBC | Etrade |
| MarketWatch | Unusual Whales |
| YCharts | Perplexity Finance |
| FinViz |
Prefer one of these to Trefis? Tell us why.