First United vs Shore Bancshares
FUNC and SHBI side by side, both in commercial banks. Figures are trailing twelve months unless noted, from SEC filings and end-of-day prices.
How FUNC and SHBI compare
Shore Bancshares is the larger company, worth 2.5 times as much as First United ($758M against $302M).
On earnings, Shore Bancshares is cheaper: it trades at 11.1× trailing earnings, against 12.1× for First United.
First United grew revenue faster over the last twelve months (11.4% versus 0.14% for Shore Bancshares).
Shore Bancshares keeps more of each dollar of sales as profit, with a net margin of 309% compared with 26.8% at First United.
Both pay dividends: First United yields 2.3% and Shore Bancshares 1.8%.
Shore Bancshares scores higher on the StockData Score (16 against 12 for First United), which adds up 30 checks on valuation, growth, past performance, financial health and dividends.
Key numbers
A dot marks the better figure where higher or lower is clearly better.
| Metric | FUNC | SHBI |
|---|---|---|
| Size and price | ||
| Market cap | $302M | $758M |
| Share price | $46.76 | $22.71 |
| Change, 1 year | 29.0% | 38.8% |
| Change, 5 years | 137% | 13.7% |
| Beta (5Y) | 0.68 | 0.63 |
| Employees | 343 | 608 |
| StockData Score | ||
| Total score | 12 | 16 (better) |
| Valuation score | 1 | 2 (better) |
| Growth score | 1 | 1 |
| Performance score | 3 | 4 (better) |
| Health score | 3 | 5 (better) |
| Dividend score | 4 | 4 |
| Valuation | ||
| P/E | 12.1× | 11.1× (better) |
| P/S | 3.2× (better) | 34.2× |
| P/B | 1.4× | 1.2× (better) |
| P/FCF | 11.6× | 9.4× (better) |
| PEG | 136.41 | 2.61 (better) |
| FCF yield | 8.6% | 10.6% (better) |
| Fair value | $39.61 | $22.29 |
| Margin of safety | −18.1% | −1.9% (better) |
| Growth | ||
| Revenue growth (TTM) | 11.4% (better) | 0.14% |
| Revenue growth, 5Y average | 5.7% | 17.8% (better) |
| Net income growth (TTM) | 5.5% | 20.6% (better) |
| EPS growth (TTM) | 6.0% | 20.0% (better) |
| EPS growth, 5Y average | 13.9% (better) | 7.0% |
| Profitability | ||
| Net margin | 26.8% | 309% (better) |
| FCF margin | 27.9% | 364% (better) |
| Return on equity | 12.4% (better) | 11.5% |
| Financial health | ||
| Debt / equity | 0.33 | – |
| Altman Z-score | 0.29 (better) | 0.14 |
| Piotroski F-score | 6 (better) | 5 |
| Dividends and buybacks | ||
| Dividend yield | 2.3% (better) | 1.8% |
| Payout ratio | 25.9% | 25.4% |
| Years of dividend growth | 7 (better) | 0 |
| Dividend growth, 5Y average | 13.0% (better) | 0.00% |
| Buyback yield | −0.11% | −0.05% (better) |
| Shareholder yield | 2.2% (better) | 1.7% |
| Ownership | ||
| Held by institutions | 49.5% | 68.3% |
| Held by insiders | 4.6% | 8.6% |
| Insider net buying, 12 months | −$503K | $84.8K (better) |
| Short interest, % of float | 1.2% | 3.5% |
Go deeper
- FUNC stock overview
- FUNC income statement
- FUNC valuation and score
- SHBI stock overview
- SHBI income statement
- SHBI valuation and score
For information only, not investment advice. Check the source filings before relying on any figure.