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SHBI vs SRCE
Which Stock Would AI Choose? Shore Bancshares (SHBI) vs. 1st Source Corporation (SRCE) Stock Comparison
Key Takeaways
- SHBI and SRCE are both regional bank holding companies with strong year-to-date momentum, but they differ meaningfully in scale, profitability, and business mix.
- 1st Source (SRCE) is larger, with a roughly $2.05 billion market cap versus about $750 million for Shore Bancshares (SHBI).
- Both stocks have outperformed the broader market, with SRCE showing the stronger recent relative performance and returns on equity (ROE) and assets (ROA).
- Shore Bancshares (SHBI) trades at a slightly lower valuation multiple, while 1st Source (SRCE) offers a more diversified revenue stream including wealth advisory and insurance.
- Both companies report quarterly earnings around the same late-October window, making near-term catalysts and estimate revisions a central focus.
Introduction
Regional banks often move as a group, yet the details of scale, profitability, and business mix can produce very different stock behavior. This comparison examines Shore Bancshares, Inc. (SHBI) and 1st Source Corporation (SRCE), two community-focused financial institutions with distinct footprints and operating profiles. Investors weighing value, growth, dividend income, and momentum may find this head-to-head useful. While both are bank holding companies, one is a Maryland-based community lender and the other is an Indiana-based institution with a broader fee-generating business. Understanding how their recent relative performance and market positioning diverge can help traders and longer-term investors evaluate which profile better fits current market conditions.
SHBI Overview and Recent Performance
Shore Bancshares, Inc. (SHBI) is a financial holding company headquartered in Easton, Maryland, providing commercial and retail banking services to individuals and businesses across the Mid-Atlantic. The stock has delivered notable gains over the trailing year, rising more than 40% over the past 12 months and roughly 27% year-to-date, comfortably ahead of the S&P 500. Shares touched a 52-week high in recent months before easing in recent weeks as the broader financial sector consolidated.
Fundamentals have underpinned the move. The company has posted positive earnings surprises in several consecutive quarters, and analysts at Keefe, Bruyette & Woods and Piper Sandler raised price targets following recent results. The bank has reported improving net interest margin (NII, the spread between interest earned on loans and interest paid on deposits) and steady loan growth. With a price-to-earnings (P/E) ratio near 11 and a dividend yield of roughly 2.5%, the stock screens as reasonably valued relative to regional-bank peers, though its smaller balance sheet and narrower geographic base concentrate risk.
SRCE Overview and Recent Performance
1st Source Corporation (SRCE) is a bank holding company based in South Bend, Indiana, operating through 1st Source Bank. Beyond traditional commercial and consumer banking, the company offers trust and wealth advisory services and insurance products, giving it a more diversified revenue mix than a pure lender. The stock has gained roughly 37% year-to-date and about 47% over the trailing year, also well above the broader market.
Recent performance has been supported by solid fundamentals, including quarterly earnings that beat consensus estimates and continued dividend growth — the company has raised its payout in five consecutive years. Profitability metrics are strong for a regional bank, with ROE above 13% and ROA near 1.9%. Analyst sentiment is mixed but constructive, with a "Buy" rating and a $100 price target from Piper Sandler alongside "Hold" ratings from D.A. Davidson and Keefe, Bruyette & Woods. At a trailing P/E near 12.3 and a dividend yield of roughly 2.0%, the shares carry a slightly higher multiple than SHBI, reflecting the firm's diversification and stronger returns.
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Head-to-Head Comparison
Scale is the most immediate contrast. SRCE is roughly three times the size of SHBI by market capitalization, which generally implies deeper liquidity and greater diversification. Business-model differences follow: SHBI is a focused community bank where net interest income dominates, while SRCE layers wealth advisory and insurance fees on top of its banking franchise, providing more stable non-interest revenue.
On profitability, SRCE leads with an ROE near 13% versus roughly 11% for SHBI, and a notably higher ROA. On valuation, however, SHBI trades at a lower P/E and offers a higher dividend yield, which may appeal to income-oriented and value-conscious investors. Momentum has favored SRCE over the trailing year, though both have retreated modestly in recent weeks. Risk profiles differ too: SHBI carries geographic and credit concentration in the Mid-Atlantic, while SRCE, though more diversified, faces the same sector-wide pressures on deposit costs and credit quality that affect all regional lenders.
Tickeron AI Verdict
Based on observable factors, Tickeron's AI would likely lean toward SRCE for its stronger trend consistency, higher profitability metrics, more diversified revenue base, and steadier recent relative performance. The stock's combination of superior ROE and ROA with a track record of dividend growth suggests a more durable earnings profile. That said, SHBI presents a credible value case at a lower multiple with a higher yield, and its momentum cannot be dismissed. The probabilistic view favors SRCE on stability and quality, while recognizing that either stock's near-term path will likely hinge on upcoming earnings results and forward guidance.
Disclaimer
The information on this webpage is provided for general informational and educational purposes only and is not intended as investment advice, a recommendation to purchase or sell any security, or an offer or solicitation related to investments. It does not consider your personal financial situation, goals, or risk profile, and all investing carries inherent risks, including the possibility of losing your entire investment. For more details, please review our full disclaimer.
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 SHBI is a Hold and SRCE is a Hold.
SHBI in downward trend: price dove below 50-day moving average on October 23, 2026
SHBI moved below its 50-day moving average on October 23, 2026 date and that indicates a change from an upward trend to a downward trend. In 20 of 27 similar past instances, the stock price decreased further within the following month. The odds of a continued downward trend are 74%.
Technical Analysis (Indicators)
Bearish Trend Analysis
The Stochastic Oscillator has been in the overbought zone for 1 day. Expect a price pull-back in the near future.
The 10-day moving average for SHBI crossed bearishly below the 50-day moving average on September 18, 2026. This indicates that the trend has shifted lower and could be considered a sell signal. In 9 of 15 past instances when the 10-day crossed below the 50-day, the stock continued to move higher over the following month. The odds of a continued downward trend are 60%.
Following a 3-day decline, the stock is projected to fall further. Considering past instances where SHBI declined for three days, the price rose further in 50 of 62 cases within the following month. The odds of a continued downward trend are 58%.
SHBI broke above its upper Bollinger Band on October 22, 2026. This could be a sign that the stock is set to drop as the stock moves back below the upper band and toward the middle band. You may want to consider selling the stock or exploring put options.
Bullish Trend Analysis
The Momentum Indicator moved above the 0 level on October 20, 2026. You may want to consider a long position or call options on SHBI as a result. In 52 of 72 past instances where the momentum indicator moved above 0, the stock continued to climb. The odds of a continued upward trend are 72%.
The Moving Average Convergence Divergence (MACD) for SHBI just turned positive on October 19, 2026. Looking at past instances where SHBI's MACD turned positive, the stock continued to rise in 27 of 40 cases over the following month. The odds of a continued upward trend are 68%.
Following a +1.03% 3-day Advance, the price is estimated to grow further. Considering data from situations where SHBI advanced for three days, in 187 of 297 cases, the price rose further within the following month. The odds of a continued upward trend are 63%.
Fundamental Analysis (Ratings)
The Tickeron PE Growth Rating for this company is 21 (best 1 - 100 worst), pointing to outstanding earnings growth. The PE Growth rating is based on a comparative analysis of stock PE ratio increase over the last 12 months compared against S&P 500 index constituents.
The Tickeron SMR rating for this company is 28 (best 1 - 100 worst), indicating very strong sales and a profitable business model. SMR (Sales, Margin, Return on Equity) rating is based on comparative analysis of weighted Sales, Income Margin and Return on Equity values compared against S&P 500 index constituents. The weighted SMR value is a proprietary formula developed by Tickeron and represents an overall profitability measure for a stock.
The Tickeron Price Growth Rating for this company is 42 (best 1 - 100 worst), indicating steady price growth. SHBI’s price grows at a higher rate over the last 12 months as compared to S&P 500 index constituents.
The Tickeron Profit vs. Risk Rating rating for this company is 52 (best 1 - 100 worst), indicating well-balanced risk and returns. The average Profit vs. Risk Rating rating for the industry is 56, placing this stock slightly better than average.
The Tickeron Valuation Rating of 61 (best 1 - 100 worst) indicates that the company is fair valued in the industry. This rating compares market capitalization estimated by our proprietary formula with the current market capitalization. This rating is based on the following metrics, as compared to industry averages: P/B Ratio (1.243) is normal, around the industry mean (1.269). P/E Ratio (11.586) is within average values for comparable stocks, (13.317). Projected Growth (PEG Ratio) (1.150) is also within normal values, averaging (1.190). Dividend Yield (0.024) settles around the average of (0.035) among similar stocks. P/S Ratio (3.279) is also within normal values, averaging (3.738).
The Tickeron Seasonality Score of 95 (best 1 - 100 worst) indicates that the company is significantly overvalued in the industry. The Tickeron Seasonality score describes the variance of predictable price changes around the same period every calendar year. These changes can be tied to a specific month, quarter, holiday or vacation period, as well as a meteorological or growing season.
SRCE's MACD Histogram just turned positive
The Moving Average Convergence Divergence (MACD) for SRCE turned positive on October 16, 2026. Looking at past instances where SRCE's MACD turned positive, the stock continued to rise in 29 of 41 cases over the following month. The odds of a continued upward trend are 71%.
Technical Analysis (Indicators)
Bullish Trend Analysis
The Momentum Indicator moved above the 0 level on October 20, 2026. You may want to consider a long position or call options on SRCE as a result. In 53 of 85 past instances where the momentum indicator moved above 0, the stock continued to climb. The odds of a continued upward trend are 62%.
SRCE moved above its 50-day moving average on October 22, 2026 date and that indicates a change from a downward trend to an upward trend.
Following a +1.73% 3-day Advance, the price is estimated to grow further. Considering data from situations where SRCE advanced for three days, in 172 of 303 cases, the price rose further within the following month. The odds of a continued upward trend are 57%.
SRCE may jump back above the lower band and head toward the middle band. Traders may consider buying the stock or exploring call options.
Bearish Trend Analysis
The Stochastic Oscillator may be shifting from an upward trend to a downward trend. In 32 of 54 cases where SRCE's Stochastic Oscillator exited the overbought zone, the price fell further within the following month. The odds of a continued downward trend are 59%.
The 10-day moving average for SRCE crossed bearishly below the 50-day moving average on September 21, 2026. This indicates that the trend has shifted lower and could be considered a sell signal. In 10 of 15 past instances when the 10-day crossed below the 50-day, the stock continued to move higher over the following month. The odds of a continued downward trend are 67%.
Following a 3-day decline, the stock is projected to fall further. Considering past instances where SRCE declined for three days, the price rose further in 50 of 62 cases within the following month. The odds of a continued downward trend are 54%.
The Aroon Indicator for SRCE entered a downward trend on October 20, 2026. This could indicate a strong downward move is ahead for the stock. Traders may want to consider selling the stock or buying put options.
Fundamental Analysis (Ratings)
The Tickeron Profit vs. Risk Rating rating for this company is 11 (best 1 - 100 worst), indicating low risk on high returns. The average Profit vs. Risk Rating rating for the industry is 56, placing this stock better than average.
The Tickeron SMR rating for this company is 19 (best 1 - 100 worst), indicating very strong sales and a profitable business model. SMR (Sales, Margin, Return on Equity) rating is based on comparative analysis of weighted Sales, Income Margin and Return on Equity values compared against S&P 500 index constituents. The weighted SMR value is a proprietary formula developed by Tickeron and represents an overall profitability measure for a stock.
The Tickeron PE Growth Rating for this company is 20 (best 1 - 100 worst), pointing to outstanding earnings growth. The PE Growth rating is based on a comparative analysis of stock PE ratio increase over the last 12 months compared against S&P 500 index constituents.
The Tickeron Price Growth Rating for this company is 42 (best 1 - 100 worst), indicating steady price growth. SRCE’s price grows at a higher rate over the last 12 months as compared to S&P 500 index constituents.
The Tickeron Seasonality Score of 65 (best 1 - 100 worst) indicates that the company is fair valued in the industry. The Tickeron Seasonality score describes the variance of predictable price changes around the same period every calendar year. These changes can be tied to a specific month, quarter, holiday or vacation period, as well as a meteorological or growing season.
The Tickeron Valuation Rating of 79 (best 1 - 100 worst) indicates that the company is slightly overvalued in the industry. This rating compares market capitalization estimated by our proprietary formula with the current market capitalization. This rating is based on the following metrics, as compared to industry averages: P/B Ratio (1.604) is normal, around the industry mean (1.269). P/E Ratio (12.524) is within average values for comparable stocks, (13.317). Projected Growth (PEG Ratio) (0.380) is also within normal values, averaging (1.190). Dividend Yield (0.021) settles around the average of (0.035) among similar stocks. P/S Ratio (4.617) is also within normal values, averaging (3.738).
SHBI | SRCE | ||
|---|---|---|---|
OUTLOOK RATING 1..100 | 76 | 35 | |
VALUATION overvalued / fair valued / undervalued 1..100 | 61 Fair valued | 79 Overvalued | |
PROFIT vs RISK RATING 1..100 | 52 | 11 | |
SMR RATING 1..100 | 28 | 19 | |
PRICE GROWTH RATING 1..100 | 42 | 42 | |
P/E GROWTH RATING 1..100 | 21 | 20 | |
SEASONALITY SCORE 1..100 | 90 | 65 |
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.
SHBI's Valuation (61) in the Regional Banks industry is in the same range as SRCE (79). This means that SHBI’s stock grew similarly to SRCE’s over the last 12 months.
SRCE's Profit vs Risk Rating (11) in the Regional Banks industry is somewhat better than the same rating for SHBI (52). This means that SRCE’s stock grew somewhat faster than SHBI’s over the last 12 months.
SRCE's SMR Rating (19) in the Regional Banks industry is in the same range as SHBI (28). This means that SRCE’s stock grew similarly to SHBI’s over the last 12 months.
SRCE's Price Growth Rating (42) in the Regional Banks industry is in the same range as SHBI (42). This means that SRCE’s stock grew similarly to SHBI’s over the last 12 months.
SRCE's P/E Growth Rating (20) in the Regional Banks industry is in the same range as SHBI (21). This means that SRCE’s stock grew similarly to SHBI’s over the last 12 months.
| SHBI | SRCE | |
|---|---|---|
| RSI ODDS (%) | N/A | N/A |
| Stochastic ODDS (%) | 2 days ago 51% | 2 days ago 59% |
| Momentum ODDS (%) | 2 days ago 72% | 2 days ago 62% |
| MACD ODDS (%) | 2 days ago 68% | 2 days ago 71% |
| TrendWeek ODDS (%) | 2 days ago 62% | 2 days ago 58% |
| TrendMonth ODDS (%) | 2 days ago 62% | 2 days ago 55% |
| Advances ODDS (%) | 9 days ago 63% | 2 days ago 57% |
| Declines ODDS (%) | 11 days ago 58% | 18 days ago 54% |
| BollingerBands ODDS (%) | 2 days ago 59% | 2 days ago 54% |
| Aroon ODDS (%) | N/A | 2 days ago 53% |
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 overvalued. We use an FA Score to show how many ratings show the ticker to be undervalued (green) or overvalued (red).
SHBI’s FA Score shows that 2 FA rating(s) are green while SRCE’s FA Score has 3 green FA rating(s).
- SHBI’s FA Score: 2 green, 3 red.
- SRCE’s FA Score: 3 green, 2 red.
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.
SHBI’s TA Score shows that 3 TA indicator(s) are bullish while SRCE’s TA Score has 5 bullish TA indicator(s).
- SHBI’s TA Score: 3 bullish, 5 bearish.
- SRCE’s TA Score: 5 bullish, 4 bearish.
Price Growth
SHBI (@Regional Banks) experienced а +1.73% price change this week, while SRCE (@Regional Banks) price change was +1.61% for the same time period.
The average weekly price growth across all stocks in the @Regional Banks industry was +2.29%. For the same industry, the average monthly price growth was +1.59%, and the average quarterly price growth was +9.12%.
Reported Earning Dates
SHBI is expected to report earnings on Feb 03, 2027.
SRCE is expected to report earnings on Jan 21, 2027.
Industries' Descriptions
@Regional Banks (+2.29% 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.
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SRCE and
Correlation & Price change
A.I.dvisor indicates that over the last year, SRCE 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 SRCE jumps, then THFF could also see price increases.
| Ticker / NAME | Correlation To SRCE | 1D Price Change % | ||
|---|---|---|---|---|
| SRCE | 100% | +0.13% | ||
| THFF - SRCE | 87% Closely correlated | +0.64% | ||
| PEBO - SRCE | 85% Closely correlated | +0.03% | ||
| MBWM - SRCE | 85% Closely correlated | +1.11% | ||
| BY - SRCE | 85% Closely correlated | +1.08% | ||
| NBTB - SRCE | 84% Closely correlated | +0.15% | ||
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