EFSI
Price
$41.61
Change
+$1.10 (+2.72%)
Updated
Jul 13 closing price
Capitalization
225.21M
15 days until earnings call
Intraday BUY SELL Signals
SHBI
Price
$22.61
Change
-$0.03 (-0.13%)
Updated
Jul 13 closing price
Capitalization
757.11M
9 days until earnings call
Intraday BUY SELL Signals
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EFSI vs SHBI

EFSI vs SHBI Comparison Chart in %
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EFSI vs. SHBI commentary
Jul 14, 2026

To compare these two companies we present long-term analysis, their fundamental ratings and make comparative short-term technical analysis which are presented below. The conclusion is EFSI is a Hold and SHBI is a Hold.

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COMPARISON
Comparison
Jul 14, 2026
Stock price -- (EFSI: $41.61 vs. SHBI: $22.61)
Brand notoriety: EFSI and SHBI are both not notable
Both companies represent the Regional Banks industry
Current volume relative to the 65-day Moving Average: EFSI: 139% vs. SHBI: 43%
Market capitalization -- EFSI: $225.21M vs. SHBI: $757.11M
EFSI [@Regional Banks] is valued at $225.21M. SHBI’s [@Regional Banks] market capitalization is $757.11M. The market cap for tickers in the [@Regional Banks] industry ranges from $142.82B to $0. The average market capitalization across the [@Regional Banks] industry is $6.48B.

Long-Term Analysis

It is best to consider a long-term outlook for a ticker by using Fundamental Analysis (FA) ratings. The rating of 1 to 100, where 1 is best and 100 is worst, is divided into thirds. The first third (a green rating of 1-33) indicates that the ticker is undervalued; the second third (a grey number between 34 and 66) means that the ticker is valued fairly; and the last third (red number of 67 to 100) reflects that the ticker is undervalued. We use an FA Score to show how many ratings show the ticker to be undervalued (green) or overvalued (red).

EFSI’s FA Score shows that 2 FA rating(s) are green whileSHBI’s FA Score has 0 green FA rating(s).

  • EFSI’s FA Score: 2 green, 3 red.
  • SHBI’s FA Score: 0 green, 5 red.
According to our system of comparison, SHBI is a better buy in the long-term than EFSI.

Short-Term Analysis

It is best to consider a short-term outlook for a ticker by using Technical Analysis (TA) indicators. We use Odds of Success as the percentage of outcomes which confirm successful trade signals in the past.

If the Odds of Success (the likelihood of the continuation of a trend) for each indicator are greater than 50%, then the generated signal is confirmed. A green percentage from 90% to 51% indicates that the ticker is in a bullish trend. A red percentage from 90% - 51% indicates that the ticker is in a bearish trend. All grey percentages are below 50% and are considered not to confirm the trend signal.

EFSI’s TA Score shows that 4 TA indicator(s) are bullish while SHBI’s TA Score has 3 bullish TA indicator(s).

  • EFSI’s TA Score: 4 bullish, 4 bearish.
  • SHBI’s TA Score: 3 bullish, 5 bearish.
According to our system of comparison, EFSI is a better buy in the short-term than SHBI.

Price Growth

EFSI (@Regional Banks) experienced а +2.56% price change this week, while SHBI (@Regional Banks) price change was -1.18% for the same time period.

The average weekly price growth across all stocks in the @Regional Banks industry was -0.58%. For the same industry, the average monthly price growth was +2.41%, and the average quarterly price growth was +15.22%.

Reported Earning Dates

EFSI is expected to report earnings on Jul 29, 2026.

SHBI is expected to report earnings on Jul 23, 2026.

Industries' Descriptions

@Regional Banks (-0.58% weekly)

Regional banks have a smaller reach than major banks, and cater mostly to one region of a country, such as a state or within a group of states. They offer services often similar – albeit with some limitations/smaller scale – compared to major banks. Taking deposits, making loans, mortgages, leases, credit cards , fund management, insurance and investment banking. SunTrust Banks, State Street Corp., M&T Bank Corp. are some examples of U.S. regional banks.

SUMMARIES
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FUNDAMENTALS
Fundamentals
SHBI($757M) has a higher market cap than EFSI($225M). SHBI has higher P/E ratio than EFSI: SHBI (12.04) vs EFSI (10.92). SHBI YTD gains are higher at: 29.585 vs. EFSI (6.282). SHBI has more cash in the bank: 44.1M vs. EFSI (13.9M). EFSI has less debt than SHBI: EFSI (29.6M) vs SHBI (99.6M). SHBI has higher revenues than EFSI: SHBI (232M) vs EFSI (82.4M).
EFSISHBIEFSI / SHBI
Capitalization225M757M30%
EBITDAN/AN/A-
Gain YTD6.28229.58521%
P/E Ratio10.9212.0491%
Revenue82.4M232M36%
Total Cash13.9M44.1M32%
Total Debt29.6M99.6M30%
FUNDAMENTALS RATINGS
EFSI vs SHBI: Fundamental Ratings
EFSI
SHBI
OUTLOOK RATING
1..100
6587
VALUATION
overvalued / fair valued / undervalued
1..100
26
Undervalued
48
Fair valued
PROFIT vs RISK RATING
1..100
3354
SMR RATING
1..100
6553
PRICE GROWTH RATING
1..100
5143
P/E GROWTH RATING
1..100
8344
SEASONALITY SCORE
1..100
7550

Tickeron ratings are formulated such that a rating of 1 designates the most successful stocks in a given industry, while a rating of 100 points to the least successful stocks for that industry.

EFSI's Valuation (26) in the null industry is in the same range as SHBI (48) in the Regional Banks industry. This means that EFSI’s stock grew similarly to SHBI’s over the last 12 months.

EFSI's Profit vs Risk Rating (33) in the null industry is in the same range as SHBI (54) in the Regional Banks industry. This means that EFSI’s stock grew similarly to SHBI’s over the last 12 months.

SHBI's SMR Rating (53) in the Regional Banks industry is in the same range as EFSI (65) in the null industry. This means that SHBI’s stock grew similarly to EFSI’s over the last 12 months.

SHBI's Price Growth Rating (43) in the Regional Banks industry is in the same range as EFSI (51) in the null industry. This means that SHBI’s stock grew similarly to EFSI’s over the last 12 months.

SHBI's P/E Growth Rating (44) in the Regional Banks industry is somewhat better than the same rating for EFSI (83) in the null industry. This means that SHBI’s stock grew somewhat faster than EFSI’s over the last 12 months.

TECHNICAL ANALYSIS
Technical Analysis
EFSISHBI
RSI
ODDS (%)
Bearish Trend 1 day ago
37%
Bearish Trend 1 day ago
72%
Stochastic
ODDS (%)
Bullish Trend 1 day ago
36%
Bullish Trend 1 day ago
74%
Momentum
ODDS (%)
Bullish Trend 1 day ago
38%
Bearish Trend 1 day ago
61%
MACD
ODDS (%)
Bearish Trend 1 day ago
40%
Bearish Trend 1 day ago
56%
TrendWeek
ODDS (%)
Bullish Trend 1 day ago
35%
Bearish Trend 1 day ago
57%
TrendMonth
ODDS (%)
Bearish Trend 1 day ago
40%
Bullish Trend 1 day ago
62%
Advances
ODDS (%)
Bullish Trend 1 day ago
50%
Bullish Trend 4 days ago
64%
Declines
ODDS (%)
Bearish Trend 18 days ago
49%
Bearish Trend 28 days ago
56%
BollingerBands
ODDS (%)
Bearish Trend 1 day ago
36%
Bearish Trend 1 day ago
58%
Aroon
ODDS (%)
Bullish Trend 1 day ago
37%
Bullish Trend 1 day ago
54%
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EFSI
Daily Signal:
Gain/Loss:
SHBI
Daily Signal:
Gain/Loss:
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SHBI and

Correlation & Price change

A.I.dvisor indicates that over the last year, SHBI has been closely correlated with THFF. These tickers have moved in lockstep 87% of the time. This A.I.-generated data suggests there is a high statistical probability that if SHBI jumps, then THFF could also see price increases.

1D
1W
1M
1Q
6M
1Y
5Y
Ticker /
NAME
Correlation
To SHBI
1D Price
Change %
SHBI100%
-0.13%
THFF - SHBI
87%
Closely correlated
+0.43%
BUSE - SHBI
86%
Closely correlated
+0.24%
SRCE - SHBI
85%
Closely correlated
+0.37%
FMBH - SHBI
85%
Closely correlated
+0.83%
UVSP - SHBI
85%
Closely correlated
+0.53%
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