Financial Institutions, Inc. (FISI) vs Shore Bancshares, Inc. (SHBI)
A side-by-side comparison of Financial Institutions, Inc. and Shore Bancshares, Inc. across valuation, profitability, dividends, and growth — built entirely from reported fundamentals, as of October 6, 2026. Differences are shown without an overall score or investment verdict.
Total return — FISI vs SHBI
growth of $100 · dividends reinvested · last 10yFISI vs SHBI: by the numbers
- •FISI is the larger company ($773M vs $758M market cap).
- •FISI trades at the lower trailing earnings multiple (9.72 vs 11.44 P/E), one valuation lens rather than an overall verdict.
- •FISI converts more revenue to profit (26.18% vs 19.12% net margin).
- •SHBI grew revenue faster over the past five years (36.76% vs 8.78% CAGR).
- •FISI pays the higher dividend yield (3.20% vs 2.28%).
Metrics side by side
Valuation
| Metric | FISI | SHBI |
|---|---|---|
| P/E ratio | 9.72 | 11.44 |
| Forward P/E | 9.37 | 10.46 |
| PEG ratio | 1.03 | 1.64 |
| P/S ratio | 2.45 | 2.19 |
| P/B ratio | 1.23 | 1.23 |
Profitability
| Metric | FISI | SHBI |
|---|---|---|
| Operating margin | 24.17% | 25.31% |
| Net margin | 26.18% | 19.12% |
| ROE | 12.84% | 10.74% |
Financial Institutions, Inc.: Gross margin is not shown for a lender or insurer: its revenue is interest, premiums and fees rather than the sale of goods, so there is no cost of goods sold to measure it against.
Shore Bancshares, Inc.: Gross margin is not shown for a lender or insurer: its revenue is interest, premiums and fees rather than the sale of goods, so there is no cost of goods sold to measure it against.
Dividends
| Metric | FISI | SHBI |
|---|---|---|
| Dividend yield | 3.20% | 2.28% |
| Payout ratio | 31.44% | 26.26% |
Growth (annualized)
| Metric | FISI | SHBI |
|---|---|---|
| Revenue CAGR (5Y) | 8.78% | 36.76% |
| EPS CAGR (5Y) | 9.68% | 6.99% |
| Total return CAGR (5Y) | 10.04% | 8.38% |
Frequently asked
- Which has the lower trailing P/E, FISI or SHBI?
- FISI has the lower trailing P/E: FISI trades at 9.72 and SHBI at 11.44. P/E is one valuation measure and does not by itself establish which business is cheaper.
- Which has grown faster, FISI or SHBI?
- Over the past five years, SHBI grew revenue faster — FISI at a 8.78% CAGR versus SHBI at 36.76%.
- Does FISI or SHBI pay a bigger dividend?
- FISI yields 3.20% and SHBI yields 2.28% based on trailing dividends and the latest price.
- Is FISI or SHBI more profitable?
- FISI runs the higher net margin — FISI at 26.18% versus SHBI at 19.12%.
- How have FISI and SHBI total returns compared?
- Over the past 10 years, FISI delivered 8.47% and SHBI delivered 9.84% annualized total return. Past performance doesn't predict future results.
Go deeper
Dig into the metrics
Financial Institutions & Shore Bancshares appear in these rankings
Figures are sourced from reported fundamentals and the latest end-of-day price. This comparison is informational only and is not investment advice. Past performance does not predict future results. See our methodology. Compiled by TGMCharts Research · data verified October 6, 2026.