Which has the lower trailing P/E, RCBC or SHBI?

RCBC has the lower trailing P/E: RCBC trades at 10.10 and SHBI at 11.48. P/E is one valuation measure and does not by itself establish which business is cheaper.

Which has grown faster, RCBC or SHBI?

Over the past five years, SHBI grew revenue faster — RCBC at a 30.88% CAGR versus SHBI at 36.76%.

Does RCBC or SHBI pay a bigger dividend?

RCBC yields 0.35% and SHBI yields 2.28% based on trailing dividends and the latest price.

Is RCBC or SHBI more profitable?

RCBC runs the higher net margin — RCBC at 25.13% versus SHBI at 19.12%.

How have RCBC and SHBI total returns compared?

Over the past 10 years, RCBC delivered 16.32% and SHBI delivered 9.84% annualized total return. Past performance doesn't predict future results.

River City Bank (RCBC) vs Shore Bancshares, Inc. (SHBI)

A side-by-side comparison of River City Bank 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.

RCBC

River City Bank

$789M

$54.75Financial ServicesDelayed quote: Oct 6, 2026, 2:01 PM EDT

SHBI

Shore Bancshares, Inc.

$760M

$22.72Financial ServicesDelayed quote: Oct 6, 2026, 2:05 PM EDT

Total return — RCBC vs SHBI

growth of $100 · dividends reinvested · last 10y

RCBC +344.7% (+16.1%/yr)SHBI +156.1% (+9.9%/yr)RCBC compounded faster over this window

RCBC SHBI

RCBC vs SHBI: by the numbers

•RCBC is the larger company ($789M vs $760M market cap).
•RCBC trades at the lower trailing earnings multiple (10.10 vs 11.48 P/E), one valuation lens rather than an overall verdict.
•RCBC converts more revenue to profit (25.13% vs 19.12% net margin).
•SHBI grew revenue faster over the past five years (36.76% vs 30.88% CAGR).
•SHBI pays the higher dividend yield (2.28% vs 0.35%).

Metrics side by side

Valuation

Metric	RCBC	SHBI
P/E ratio	10.10	11.48
Forward P/E	10.91	10.50
PEG ratio	0.60	1.64
P/S ratio	2.53	2.20
P/B ratio	1.39	1.23

Profitability

Metric	RCBC	SHBI
Operating margin	34.68%	25.31%
Net margin	25.13%	19.12%
ROE	13.78%	10.74%

River City Bank: 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	RCBC	SHBI
Dividend yield	0.35%	2.28%
Payout ratio	3.51%	26.26%

Growth (annualized)

Metric	RCBC	SHBI
Revenue CAGR (5Y)	30.88%	36.76%
EPS CAGR (5Y)	16.80%	6.99%
Total return CAGR (5Y)	14.99%	8.38%

Frequently asked

Which has the lower trailing P/E, RCBC or SHBI?: RCBC has the lower trailing P/E: RCBC trades at 10.10 and SHBI at 11.48. P/E is one valuation measure and does not by itself establish which business is cheaper.
Which has grown faster, RCBC or SHBI?: Over the past five years, SHBI grew revenue faster — RCBC at a 30.88% CAGR versus SHBI at 36.76%.
Does RCBC or SHBI pay a bigger dividend?: RCBC yields 0.35% and SHBI yields 2.28% based on trailing dividends and the latest price.
Is RCBC or SHBI more profitable?: RCBC runs the higher net margin — RCBC at 25.13% versus SHBI at 19.12%.
How have RCBC and SHBI total returns compared?: Over the past 10 years, RCBC delivered 16.32% and SHBI delivered 9.84% annualized total return. Past performance doesn't predict future results.

Go deeper

Full RCBC analysis Full SHBI analysis Interactive comparison tool

Dig into the metrics

River City Bank P/E ratio Shore Bancshares P/E ratio River City Bank dividend yield Shore Bancshares dividend yield River City Bank ROE Shore Bancshares ROE River City Bank operating margin Shore Bancshares operating margin River City Bank revenue growth Shore Bancshares revenue growth

River City Bank & Shore Bancshares appear in these rankings

Highest Dividend Yield Stocks Fastest Revenue Growth Stocks Highest Operating Margin Stocks Highest 10-Year Total Return Stocks

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.