FISI vs SHBI: stock comparison and AI forecast
Financial Institutions Inc (FISI) and Shore Bancshares Inc (SHBI) compared on price performance, valuation, profitability and the daily AI forecast. · Alpha · vs market
Share
FISI Financial Institutions Inc
- Price
- $39.35 +13.0% · 6M
- Market Cap
- $775M
- P/E Ratio
- 10.3x
- Size
- small-cap
- AI Forecast
SHBI Shore Bancshares Inc
- Price
- $23.02 +19.4% · 6M
- Market Cap
- $768M
- P/E Ratio
- 9.6x
- Size
- small-cap
- AI Forecast
Which one does the AI model favor?
Intratio's model scores both stocks every trading day. Sign in to see their current direction; the exact ratings and forecasts come with a plan or a free follow slot.
Six-month price performance
Closing prices rebased to 100 at the start of the window.
Key facts
- FISI and SHBI have similar market capitalizations ($775M and $768M).
- SHBI trades at 9.6 times trailing earnings, FISI at 10.2 times.
- Over the last six months SHBI returned +19.4% and FISI +13.0%.
- FISI carries 9.75 times debt per unit of equity, against 9.42 times for SHBI.
- FISI yields 3.22% in dividends and SHBI 2.27%.
- Both companies share the SEC industry classification National Commercial Banks.
Fundamentals side by side
Trailing twelve months.
Valuation & Market
| Metric | FISI | SHBI |
|---|---|---|
| Market Cap | $775M | $768M |
| P/E Ratio | 10.25x | 9.55x |
| P/B Ratio | 1.36x | 1.24x |
| Dividend Yield | 3.22% | 2.27% |
| EPS | $3.84 | $2.41 |
| Book Value/Share | $28.87 | $18.56 |
| Revenue/Share | $12.35 | $7.02 |
| FCF/Share | $2.85 | $2.42 |
Profitability & Margins
| Metric | FISI | SHBI |
|---|---|---|
| ROE | – | 11.1% |
| ROA | – | 1.1% |
| Net Margin | – | 29.3% |
| EBT Margin | -42.8% | 38.8% |
| Tax Rate | 17.4% | 24.5% |
Financial Health
| Metric | FISI | SHBI |
|---|---|---|
| D/E Ratio | 9.75x | 9.42x |
| Financial Leverage | – | 10.42x |
Cash Flow
| Metric | FISI | SHBI |
|---|---|---|
| Operating Cash Flow | $32M | $84M |
| Free Cash Flow | $56M | $81M |
| Capital Spending | $24M | -$3M |
| OCF Growth YoY | -56.6% | -3.2% |
| FCF Growth YoY | -19.9% | -2.3% |
| FCF/Sales | 23.1% | 34.4% |
| CapEx/Sales | 9.8% | 1.2% |
Operational Efficiency
| Metric | FISI | SHBI |
|---|---|---|
| Asset Turnover | – | 0.04x |
| Fixed Assets Turnover | 6.4x | 3.0x |
Income Statement
| Metric | FISI | SHBI |
|---|---|---|
| Total Revenue | $243M | $234M |
| Net Income | – | $69M |
Dividend & Shareholder Information
| Metric | FISI | SHBI |
|---|---|---|
| Dividends Per Share | $1.27 | $0.52 |
| Payout Ratio | 33.1% | 21.6% |
| Shares Outstanding | 20M | 33M |
| Net Income Growth | – | 20.6% |
| EPS Growth | – | 70.9% |
FISI vs SHBI: stock comparison and AI forecast
Which is bigger, FISI or SHBI?
FISI and SHBI have similar market capitalizations ($775M and $768M).
Which is cheaper on earnings, FISI or SHBI?
SHBI trades at 9.6 times trailing earnings, FISI at 10.2 times.
Which stock performed better over the last six months, FISI or SHBI?
Over the last six months SHBI returned +19.4% and FISI +13.0%.
Which one does Intratio's AI model rank higher, FISI or SHBI?
Intratio's model scores both stocks every trading day. Sign in to see their current direction; the exact ratings and forecasts come with a plan or a free follow slot.
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This analysis is generated automatically using our proprietary AI systems and should not be considered personalized investment advice. Past performance does not guarantee future results. Always conduct your own research and consider consulting a financial advisor before making investment decisions.