OTCPK:SHRC

Stock Analysis Report

Shore Community Bank

Executive Summary

Shore Community Bank, a state chartered bank, provides banking products and services to businesses and individuals in Ocean County, New Jersey.

Snowflake

Fundamentals

Not a dividend payer with weak fundamentals.

Risks

  • Shore Community Bank's last earnings update was 1276 days ago.
  • Shore Community Bank is not covered by any analysts.

Similar Companies

Share Price & News

How has Shore Community Bank's share price performed over time and what events caused price changes?


Latest Share Price and Events


Market Performance


7 Day Return

1.6%

OTCPK:SHRC

-1.9%

US Banks

-1.9%

US Market


1 Year Return

14.3%

OTCPK:SHRC

-16.1%

US Banks

-3.3%

US Market

SHRC outperformed the Banks industry which returned -16.1% over the past year.

SHRC outperformed the Market in United States of America which returned -3% over the past year.


Share holder returns

SHRCIndustryMarket
7 Day1.6%-1.9%-1.9%
30 Day0%-11.1%-6.2%
90 Day7.0%-4.9%0.3%
1 Year16.7%14.3%-13.7%-16.1%-1.1%-3.3%
3 Year149.8%134.7%37.8%28.4%37.9%28.9%
5 Year223.9%204.2%49.3%33.2%50.8%34.1%

Price Volatility Vs. Market

How volatile is Shore Community Bank's share price compared to the market and industry in the last 5 years?


Simply Wall St News

No news available

Valuation

Is Shore Community Bank undervalued based on future cash flows and its price relative to the stock market?


Intrinsic Value Based on Future Cash Flows

Shore Community Bank's share price is above the future cash flow value, it's not available at a moderate discount (< 20%).

Shore Community Bank's share price is above the future cash flow value, it's not available at a substantial discount (< 40%).


Price Based on Earnings

Unable to compare the PE ratio to the industry average as no data exists.

Unable to calculate PE ratio for Shore Community Bank, we can't compare the value of its earnings to the United States of America market.


Price Based on Expected Growth

Unable to calculate PEG ratio for Shore Community Bank, we can't assess if its growth is good value.


Price Based on Value of Assets

Unable to compare the PB ratio to the industry average as no data exists.


Next Steps

Future Growth

How is Shore Community Bank expected to perform in the next 1 to 3 years based on estimates from 0 analysts?

1.8%

Forecasted Banks industry annual growth in earnings


In this section we usually present revenue and earnings growth projections based on the consensus estimates of professional analysts to help investors understand the company’s ability to generate profit. But as Shore Community Bank has not provided enough past data and has no analyst forecast, its future earnings cannot be reliably calculated by extrapolating past data or using analyst predictions.

This is quite a rare situation as 97% of companies covered by SimplyWall St do have past financial data.


Next Steps

  • Take a look at our analysis of SHRC’s management and see if the CEO’s compensation is within a reasonable range, who is on the board and if insiders have been trading lately.
  • While we do not consider unaudited financials to be a reliable enough to include in our analysis, you can access them on the OTC Markets Website. If you are looking for more of a qualitative research into the company, you can access Shore Community Bank's filings and announcements here.
  • Explore growth companies in the Banks industry.

Past Performance

How has Shore Community Bank performed over the past 5 years?

0.2%

Historical Banks annual earnings growth


In this section we usually display a company’s past earnings and revenues to help investors visualise the trend through time. We also gauge the company’s performance by benchmarking its returns and growth to its industry peers and the wider market. However, Shore Community Bank has not provided sufficient past data to assess its track record.

This is quite a rare situation as 97% of companies covered by Simply Wall St do have historical data.


Next Steps

Financial Health

How is Shore Community Bank's financial position? (This company is analysed differently as a bank or financial institution)


In this section we usually analyse Shore Community Bank's finance health to determine how well-positioned it is against times of financial distress, in particular, its ability to manage its cash and debt levels. Shore Community Bank has not provided adequate balance sheet data, its financial health cannot be properly assessed as it.

This is quite a rare situation as 97% of companies covered by Simply Wall St do have financial information.


Next Steps

  • Take a look at our analysis of SHRC’s management and see if the CEO’s compensation is within a reasonable range, who is on the board and if insiders have been trading lately.
  • Investors tend to look at the financial health of a company this size in order to assess the sustainability of its current operations. While we do not consider unaudited financials to be a reliable enough to include in our analysis, you can access them on the OTC Markets Website.
  • Financial health is measured at one point in time, so the latest financial report is the best representation of the company’s current financial status. Check when Shore Community Bank's financial data was last updated here.
  • Explore more healthy companies in the Banks industry.

Dividend

What is Shore Community Bank's current dividend yield, its reliability and sustainability?

1.88%

Current Dividend Yield


Dividend Yield and Payments Analysis

Shore Community Bank's pays a higher dividend yield than the bottom 25% of dividend payers in United States of America (1.52%).

Shore Community Bank's dividend is below the markets top 25% of dividend payers in United States of America (3.93%).

Whilst dividend payments have been stable, Shore Community Bank has been paying a dividend for less than 10 years.

Dividend payments have increased, but Shore Community Bank only paid a dividend in the past 2 years.


Current Payout to Shareholders

Unable to calculate sustainability of dividends as Shore Community Bank has not reported any payouts.


Future Payout to Shareholders

Insufficient estimate data to determine if a dividend will be paid in 3 years and that it will be sustainable.


Next Steps

Management

What is the CEO of Shore Community Bank's salary, the management and board of directors tenure and is there insider trading?

7.6yrs

Average board tenure


CEO

Robert English (63yo)

0.0yrs

Tenure

US$160,899

Compensation

Mr. Robert T. English serves as the Chief Executive Officer, President and Director of Shore Community Bank. 


Board Age and Tenure

7.6yrs

Average Tenure

65yo

Average Age

The tenure for the Shore Community Bank board of directors is about average.


Insider Trading

No 3 month open market individual insider trading information.


Ownership Breakdown


Management Team

  • Barbara Cantamessa

    Assistant Corporate Secretary & VP of Human Resources

    • Tenure: 0.0yrs
  • Philip Garfinkel (65yo)

    Corporate Secretary & Director

    • Tenure: 23.6yrs
  • Zev Rosen

    Co-Founder & Chairman Emeritus

    • Tenure: 0.0yrs
  • Howard Butensky (73yo)

    Chairman of the Board

    • Tenure: 3.3yrs
  • Kelly Murt

    Senior VP & COO

    • Tenure: 0.0yrs
  • Robert English (63yo)

    President & CEO

    • Tenure: 0.0yrs
    • Compensation: US$160.90k
  • David Rosen (56yo)

    Co-Founder & Vice Chairman

    • Tenure: 3.6yrs
  • James Erickson

    Executive VP & Chief Commercial Lending Officer

    • Tenure: 6.1yrs
  • Leo Ahern

    Chief Retail Officer & Executive VP

    • Tenure: 0.0yrs
  • Patrick Smallze

    Assistant VP & Controller

    • Tenure: 0.0yrs

Board Members

  • Philip Garfinkel (65yo)

    Corporate Secretary & Director

    • Tenure: 23.6yrs
  • Zev Rosen

    Co-Founder & Chairman Emeritus

    • Tenure: 0.0yrs
  • Howard Butensky (73yo)

    Chairman of the Board

    • Tenure: 3.3yrs
  • Richard Banach

    Member of the Advisory Board

    • Tenure: 0.0yrs
  • Lee Childers

    Member of Advisory Board

    • Tenure: 0.0yrs
  • Donald Jump

    Member of Advisory Board

    • Tenure: 0.0yrs
  • Sidney Kassenoff

    Member of Advisory Board

    • Tenure: 0.0yrs
  • Jerry Boisseau (79yo)

    Chairman Emeritus & Member of Advisory Board

    • Tenure: 0.0yrs
  • Robert English (63yo)

    President & CEO

    • Tenure: 0.0yrs
    • Compensation: US$160.90k
  • David Rosen (56yo)

    Co-Founder & Vice Chairman

    • Tenure: 3.6yrs

Company Information

Shore Community Bank's company bio, employee growth, exchange listings and data sources


Key Information

  • Name: Shore Community Bank
  • Ticker: SHRC
  • Exchange: OTCPK
  • Founded: 1996
  • Industry: Regional Banks
  • Sector: Banks
  • Market Cap: US$47.738m
  • Shares outstanding: 2.98m
  • Website: https://www.shorecommunity.bank

Location

  • Shore Community Bank
  • 1012 Hooper Avenue
  • Toms River
  • New Jersey
  • 8753
  • United States

Listings

TickerExchangePrimary SecuritySecurity TypeCountryCurrencyListed on
SHRCOTCPK (Pink Sheets LLC)YesCommon StockUSUSDOct 2000

Biography

Shore Community Bank, a state chartered bank, provides banking products and services to businesses and individuals in Ocean County, New Jersey. The company’s deposit products include checking accounts, sav ...


Company Analysis and Financial Data Status

All financial data provided by Standard & Poor's Capital IQ.
DataLast Updated (UTC time)
Company Analysis2019/08/25 23:42
End of Day Share Price2019/08/20 00:00
Earnings2015/12/31
Annual Earnings2015/12/31


Unless specified all financial data is based on a yearly period but updated quarterly. This is known as Trailing Twelve Month (TTM) or Last Twelve Month (LTM) Data. Learn more here.