` Comparison: SHBI, MTB - Alpha Spread

SHBI
vs
MTB

Over the past 12 months, SHBI has outperformed MTB, delivering a return of +9% compared to the MTB's +2% growth.

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SHBI
MTB
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Stocks Compared:
SHBI MTB
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Valuation Comparison

SHBI Intrinsic Value
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MTB Intrinsic Value
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Company Last Price Intrinsic Value DCF Value Relative Value Wall St Target
Shore Bancshares Inc
NASDAQ:SHBI
18.75 USD
M&T Bank Corp
NYSE:MTB
203.84 USD
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Valuation Scenario:
Bear Case
Base Case
Bull Case

Growth Comparison

Growth Over Time
SHBI, MTB

SHBI
MTB
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Revenue
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Company LTM Historical Growth Growth Streak % Positive Years Max Drawdown Volatility Forecasted Growth
3 Years 5 Years 10 Years 1 Year 3 Years
Shore Bancshares Inc
Revenue
M&T Bank Corp
Revenue

All metrics are calculated based on data from the last 10 years.

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Profitability Comparison

Free Cash Flow
SHBI, MTB

SHBI
MTB
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Free Cash Flow
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Company LTM Average Historical Growth FCF Margin Conversion
3 Years 5 Years 3 Years 5 Years 10 Years
Shore Bancshares Inc
NASDAQ:SHBI
FCF is not applicable for financial companies
M&T Bank Corp
NYSE:MTB
FCF is not applicable for financial companies
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What is Free Cash Flow?

Gross Margin

SHBI
MTB
LTM 3Y Avg 5Y Avg 10Y Avg
Shore Bancshares Inc
Not applicable for financial companies
M&T Bank Corp
Not applicable for financial companies

Operating Margin

SHBI
MTB
LTM 3Y Avg 5Y Avg 10Y Avg
Shore Bancshares Inc
Not applicable for financial companies
M&T Bank Corp
Not applicable for financial companies

Net Margin

SHBI
26%
MTB
27.3%
LTM 3Y Avg 5Y Avg 10Y Avg
Shore Bancshares Inc
M&T Bank Corp

FCF Margin

SHBI
MTB
LTM 3Y Avg 5Y Avg 10Y Avg
Shore Bancshares Inc
Not applicable for financial companies
M&T Bank Corp
Not applicable for financial companies

ROE

SHBI
10.3%
MTB
9.1%
LTM 3Y Avg 5Y Avg 10Y Avg
Shore Bancshares Inc
M&T Bank Corp

ROA

SHBI
0.9%
MTB
1.2%
LTM 3Y Avg 5Y Avg 10Y Avg
Shore Bancshares Inc
M&T Bank Corp

ROIC

SHBI
MTB
LTM 3Y Avg 5Y Avg 10Y Avg
Shore Bancshares Inc
Not applicable for financial companies
M&T Bank Corp
Not applicable for financial companies

ROCE

SHBI
MTB
LTM 3Y Avg 5Y Avg 10Y Avg
Shore Bancshares Inc
Not applicable for financial companies
M&T Bank Corp
Not applicable for financial companies

Solvency Comparison

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Balance Sheet Comparison
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Stocks Performance

Stocks Performance
SHBI, MTB

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SHBI
MTB
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Performance Gap
SHBI, MTB

Performance Gap Between SHBI and MTB
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Performance By Year
SHBI, MTB

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SHBI
MTB
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