COMP <GO>
SHBI vs FISI // EV/EBITDA & P/E VALUATION
Shore Bancshares Inc (NASDAQ) VS. Financial Institutions Inc. (NASDAQ) • 15-METRIC TALLY: SHBI 2
— FISI 5
■ METRIC PARITY
LAST: $22.38 (-1.37%) • MKT CAP: $746.9M
valuation
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LAST: $39.37 (-3.69%) • MKT CAP: $775.8M
valuation
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15-METRIC INSTITUTIONAL SIDE-BY-SIDE SCORECARD (SHBI VS. FISI)
EMERALD CELL = QUANTITATIVE EDGE
| INSTITUTIONAL METRIC | SHBI | FISI | SPREAD (A - B) | ADVANTAGE | DEDICATED URL |
|---|---|---|---|---|---|
| Gross Profit Margin | — | — | — | TIE | /gross-margins <GO> |
| Return on Invested Capital (ROIC) | 10.10% | 11.90% | -1.80 | FISI | /roic <GO> |
| EV/EBITDA & P/E Valuation ACTIVE | — | — | — | TIE | /valuation <GO> |
| Free Cash Flow Yield | 7.82% | 1.65% | +6.17 | SHBI | /fcf-yield <GO> |
| Operating Margin | — | — | — | TIE | /operating-margins <GO> |
| Net Profit Margin | 68.00% | — | — | TIE | /net-margins <GO> |
| Revenue Growth (YoY) | -0.30% | — | — | TIE | /revenue-growth <GO> |
| Dividend Yield & FCF Payout Safety | 2.13% | 3.07% | -0.94 | FISI | /dividend-safety <GO> |
| Altman Z-Score & Debt/Equity | — | — | — | TIE | /balance-sheet <GO> |
| Piotroski F-Score Quality | 5/9 | 4/9 | +1.00 | SHBI | /piotroski-score <GO> |
| Options Implied Move & Put/Call Skew | — | — | — | TIE | /options-implied-move <GO> |
| RSI-14 & 200D SMA Momentum | 44.2 | 45.5 | -1.30 | FISI | /rsi-technicals <GO> |
| 10Y Yield & FRED Macro Beta | — | — | — | TIE | /macro-sensitivity <GO> |
| Forward P/E Multiple | 11.8x | 10.0x | +1.80 | FISI | /forward-pe <GO> |
| Enterprise Scale & Market Cap | $746.9M | $775.8M | -$29.0M | FISI | /market-cap <GO> |
5-YEAR HISTORICAL XBRL REVENUE & MARGIN TRAJECTORY SEC FORM 10-K FY
| FISCAL YEAR | SHBI REV | FISI REV | SHBI GROSS % | FISI GROSS % | SHBI FCF | FISI FCF |
|---|---|---|---|---|---|---|
| FY 2025 | $20.9M | $0 | — | — | $59.2M | $13.3M |
| FY 2024 | $20.9M | $0 | — | — | $41.7M | $72.2M |
| FY 2023 | $18.3M | $0 | — | — | $22.7M | $10.9M |
FRED MACRO REGIME CORRELATION COMPARISON PEARSON r
SHBI // BETA —
FISI // BETA —