PFIS vs SHBI: stock comparison and AI forecast
Peoples Financial Services Corp. (PFIS) and Shore Bancshares Inc (SHBI) compared on price performance, valuation, profitability and the daily AI forecast. · Alpha · vs market
Share
PFIS Peoples Financial Services Corp.
- Price
- $72.24 +22.5% · 6M
- Market Cap
- $723M
- P/E Ratio
- 11.9x
- Size
- small-cap
- AI Forecast
SHBI Shore Bancshares Inc
- Price
- $22.45 +13.6% · 6M
- Market Cap
- $749M
- P/E Ratio
- 9.3x
- 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
- PFIS and SHBI have similar market capitalizations ($723M and $749M).
- SHBI trades at 9.3 times trailing earnings, PFIS at 11.9 times.
- Over the last six months PFIS returned +22.5% and SHBI +13.6%.
- PFIS turns 30.7% of its revenue into net income, against 29.3% for SHBI.
- PFIS carries 9.50 times debt per unit of equity, against 9.42 times for SHBI.
- PFIS yields 3.44% in dividends and SHBI 2.33%.
- Both companies share the SEC industry classification National Commercial Banks.
Fundamentals side by side
Trailing twelve months.
Valuation & Market
| Metric | PFIS | SHBI |
|---|---|---|
| Market Cap | $723M | $749M |
| P/E Ratio | 11.94x | 9.32x |
| P/B Ratio | 1.37x | 1.21x |
| Dividend Yield | 3.44% | 2.33% |
| EPS | $6.05 | $2.41 |
| Book Value/Share | $52.88 | $18.56 |
| Revenue/Share | $19.71 | $7.02 |
| FCF/Share | $4.54 | $2.42 |
Profitability & Margins
| Metric | PFIS | SHBI |
|---|---|---|
| ROE | 11.5% | 11.1% |
| ROA | 1.1% | 1.1% |
| Net Margin | 30.7% | 29.3% |
| EBT Margin | 37.5% | 38.8% |
| Tax Rate | 18.1% | 24.5% |
Financial Health
| Metric | PFIS | SHBI |
|---|---|---|
| D/E Ratio | 9.50x | 9.42x |
| Financial Leverage | 10.50x | 10.42x |
Cash Flow
| Metric | PFIS | SHBI |
|---|---|---|
| Operating Cash Flow | $53M | $84M |
| Free Cash Flow | $45M | $81M |
| Capital Spending | -$8M | -$3M |
| OCF Growth YoY | 27.9% | -3.2% |
| FCF Growth YoY | 27.0% | -2.3% |
| FCF/Sales | 23.0% | 34.4% |
| CapEx/Sales | 3.9% | 1.2% |
Operational Efficiency
| Metric | PFIS | SHBI |
|---|---|---|
| Asset Turnover | 0.04x | 0.04x |
| Fixed Assets Turnover | 2.2x | 3.0x |
Income Statement
| Metric | PFIS | SHBI |
|---|---|---|
| Total Revenue | $197M | $234M |
| Net Income | $61M | $69M |
Dividend & Shareholder Information
| Metric | PFIS | SHBI |
|---|---|---|
| Dividends Per Share | $2.49 | $0.52 |
| Payout Ratio | 41.2% | 21.6% |
| Shares Outstanding | 10M | 33M |
| Net Income Growth | 13.8% | 20.6% |
| EPS Growth | -0.8% | 70.9% |
PFIS vs SHBI: stock comparison and AI forecast
Which is bigger, PFIS or SHBI?
PFIS and SHBI have similar market capitalizations ($723M and $749M).
Which is cheaper on earnings, PFIS or SHBI?
SHBI trades at 9.3 times trailing earnings, PFIS at 11.9 times.
Which stock performed better over the last six months, PFIS or SHBI?
Over the last six months PFIS returned +22.5% and SHBI +13.6%.
Which one does Intratio's AI model rank higher, PFIS 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.