SHBI

AI Memo

Shore Bancshares

As of 2026-01-28/Confidence medium/Horizon 3m

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Data freshness

AI Memo

As of 2026-01-28 • Model: RankAlpha Sentiment AI

Decision Panel

Action, confidence, horizon, and decision blockers at a glance.

Action

—

Confidence

medium

Horizon

Key catalyst

Analyst revisions / coverage updates • 2026-03-31

Expected move: -23%

Biggest risk

Deposit pressure, rising provisions, or negative coverage revisions compress valuation toward low-teens (~13.0).

Invalidation

Break below $13 or thesis failure.

What would change my mind?

Preserved NIM, contained credit losses, and modest loan growth prompt analyst re-rating toward upper published targets (~21.0).

Research note

Recommendation

—

Confidence

medium

As of

2026-01-28

Base target

$18

p=60%

Bull target

$21

p=20%

Bear target

$13

p=20%

Key bullets

Fast scan of bull, bear, and watch items

BullKey bullets

Q4 FY25 earnings
Strategic initiatives / M&A optionality
Preserved NIM, contained credit losses, and modest loan growth prompt analyst re-rating toward upper published targets (~21.0).

BearKey bullets

Deposit outflows or higher-cost funding
Negative analyst downgrades or reduced coverage
Unexpected credit losses in local loan book (CRE exposure)

WatchKey bullets

Analyst revisions / coverage updates

Summary

High-level snapshot

Recommendation

Model confidence

medium

Timeframe

Asset

Equity

Trigger

Base case: $18 (p=60%)

Bull/Bear spread: -11% / -45%

Vs latest close: Bull -11% · Base -23% · Bear -45%

Scenario probabilities

Bull Target: $21 (p=20%)Base Target: $18 (p=60%)Bear Target: $13 (p=20%)

Commentary

Analyst targets cluster near current prices with a modest high (21.00) and some lower outliers, producing muted upside and event-driven sensitivity [#SERP-1][#SERP-2]. Recent tactical downgrades weigh on short-term sentiment while limited coverage keeps information risk elevated [#SERP-6].

As of 2026-01-28 • Updated bi-weekly / post-earningsSource: Internal modelMethodology

Analyst Summary

Thesis highlights from the latest analysis

Bull Case

Preserved NIM, contained credit losses, and modest loan growth prompt analyst re-rating toward upper published targets (~21.0).

Bear Case

Deposit pressure, rising provisions, or negative coverage revisions compress valuation toward low-teens (~13.0).

Drivers

Scannable catalysts and supporting factors

Q4 FY25 earnings
Strategic initiatives / M&A optionality

Human Analyst Targets

External snippets for comparison only; verify at source.

Unverified externalLast fetched 2026-01-28Source quality: external scrape

External snippets are unverified; treat as directional signals only. Always confirm with the original provider.

Inline RA est

Provider

serper

Median (USD)

$18.17

Range (USD)

$11.47 - $21.00

Count

Query: Shore Bancshares Inc Common (SHBI) analyst consensus price target high low average

Shore Bancshares (SHBI) Price Targets - Zacks Investment Research
Search result #1
The forecasts range from a low of $18.00 to a high of $21.00. The average price target represents an increase of 3.66% from the last closing price of $18.33.
Extracted: $18.00, $21.00, $18.33Open source
Shore Bancshares, Inc. (SHBI) Stock Price, News, Quote & History
Search result #2
FY25. Q3. FY25. 0. 20M. 40M. View More. Analyst Insights: SHBI. View More. Analyst Price Targets. 18.00 Low. 19.00 Average. 18.54 Current. 21.00 High. Analyst ...
Open source
Consensus Shore Bancshares, Inc. - SHBI - MarketScreener
Search result #3
Average target price. 18.00USD. Spread / Average Target. +15.31%. High Price Target. 18.00USD. Spread / Highest target. +15.31%. Low Price Target. 18.00USD.
Extracted: $18.00Open source
SHBI Stock Ratings & Analyst Recommendations - Financhill
Search result #4
According to 2 analysts, the consensus price target for Shore Bancshares, Inc. (SHBI) is $19.00 per share.
Extracted: $19.00Open source
Shore Bancshares (SHBI) Stock Forecast - Public Investing
Search result #5
Wall Street analysts have set a price target of $18.75, reflecting a 0.00% increase from the current stock price. What is the 2026 price prediction for Shore ...
Extracted: $18.75Open source
SHBI (Shore Bancshares, Inc.) – Technical Charts and Market Data
Search result #6
Keefe, Bruyette & Woods analyst Catherine Mealor maintains Shore Bancshares (NASDAQ:SHBI) with a Market Perform and lowers the price target from $14 to $13.
Extracted: $14.00, $13.00Open source

Scenarios

Bull Target (Scenario probability)

$21 / p=20% prob

Base Target (Scenario probability)

$18 / p=60% prob

Bear Target (Scenario probability)

$13 / p=20% prob

Price $24 as of 2026-07-16

Nearest Scenario: Bull (∆ 11%)

Targets vs latest close: Bull -11% · Base -23% · Bear -45%

Sentiment & Exposure

Sentiment unavailable: insufficient coverage

Events

Other notable items detected

EVENT2026-03-31
Analyst revisions / coverage updates
Broker notes (including KBW and peers) may change targets or coverage in the coming quarter, shifting sentiment and price action [#SERP-6][#SERP-1].
Prob 40.00% • Move 6.00% • Priced-in 60.00%

Short-term Catalysts

Next few weeks

Q4 FY25 earnings
2026-04-28
Quarterly results and management commentary will drive near-term repricing; key drivers are NIM, loan growth, and provisions [#SERP-2][#SERP-7].
Prob 70% • Move 4% • Priced-in 50%

Long-term Catalysts

Months to a year

Strategic initiatives / M&A optionality
2027-01-28
Longer-term consolidation, capital actions, or strategic moves could materially revalue shares if realized; low probability, high impact [#SERP-8].
Prob 10% • Move 25% • Priced-in 10%

Risks

Deposit outflows or higher-cost funding
Negative analyst downgrades or reduced coverage
Unexpected credit losses in local loan book (CRE exposure)

Peers

Symbol	Summary
FULT	Regional bank with a similar community deposit focus and branch footprint; useful comparator for loan/deposit mix trends.
SBCF	Smaller regional peer with comparable market concentration and sensitivity to local CRE cycles.
CIVB	Community bank used for relative credit and margin comparisons in the same geographic footprint.

Sources

Internal and external references used in this analysis

Model source: RankAlpha Sentiment AI
Human targets: serper
Targets query: Shore Bancshares Inc Common (SHBI) analyst consensus price target high low average
Analysis date: 2026-01-28

AI Stock Memo: SHBI - Shore Bancshares - RankAlpha