OXLCL vs SHBI

Comparison between Oxford Lane Capital Corp (OXLCL, Company) and Shore Bancshares Inc (SHBI, Company).

5-Year PerformanceSHBI has outperformed OXLCL, delivering a return of +10.0% compared to +5.7%

OXLCL vs SHBI - Performance Comparison

Log

Key Characteristics

Financial metrics and valuation ratios

Metric	OXLCL(COMPANY)	SHBI(COMPANY)
Market Cap	$770M	$770M
Max Drawdown	17.79%	87.26%
Sharpe Ratio	0.93	1.54
5Y Beta	0.04	0.88
Industry	N/A	Banks - Regional
P/E Ratio	N/A	12.24
Forward P/E	N/A	10.09
PEG Ratio	N/A	0.46
Dividend Yield	7.27%	2.09%
5Y Dividends CAGR	64.38%	0.82%
5Y EPS CAGR	N/A	17.24%
Debt to Equity	N/A	14.77%
Free Cash Flow Yield	N/A	9.21%
P/S Ratio	N/A	3.38
P/B Ratio	N/A	1.26

Market Cap

OXLCL

$770M

Winner

SHBI

$770M

Max Drawdown

Winner

OXLCL

17.79%

SHBI

87.26%

Sharpe Ratio

OXLCL

0.93

Winner

SHBI

1.54

5Y Beta

Winner

OXLCL

0.04

SHBI

0.88

Industry

OXLCL

N/A

SHBI

Banks - Regional

P/E Ratio

OXLCL

N/A

SHBI

12.24

Forward P/E

OXLCL

N/A

SHBI

10.09

PEG Ratio

OXLCL

N/A

SHBI

0.46

Dividend Yield

Winner

OXLCL

7.27%

SHBI

2.09%

5Y Dividends CAGR

Winner

OXLCL

64.38%

SHBI

0.82%

5Y EPS CAGR

OXLCL

N/A

SHBI

17.24%

Debt to Equity

OXLCL

N/A

SHBI

14.77%

Free Cash Flow Yield

OXLCL

N/A

SHBI

9.21%

P/S Ratio

OXLCL

N/A

SHBI

3.38

P/B Ratio

OXLCL

N/A

SHBI

1.26

OXLCL vs SHBI - Historical Returns

Returns include dividend reinvestment.

Period	OXLCL	SHBI
1 month	-0.08%	+6.54%
3 months	+3.41%	+22.73%
6 months	+4.79%	+31.11%
1 year	+10.94%	+48.40%
5 years(CAGR)	+5.70%	+10.02%
10 years(CAGR)	N/A	+10.58%
Max(CAGR)	+6.45%	+5.61%

OXLCL

-0.08%

Winner

SHBI

+6.54%

OXLCL

+3.41%

Winner

SHBI

+22.73%

OXLCL

+4.79%

Winner

SHBI

+31.11%

OXLCL

+10.94%

Winner

SHBI

+48.40%

5Y(CAGR)

OXLCL

+5.70%

Winner

SHBI

+10.02%

10Y(CAGR)

OXLCL

N/A

SHBI

+10.58%

Max(CAGR)

Winner

OXLCL

+6.45%

SHBI

+5.61%

OXLCL vs SHBI - Annual Returns (2001 - 2026)

Returns include dividend reinvestment.

Year	OXLCL	SHBI
2026	+4.57%	+37.51%
2025	+9.98%	+16.69%
2024	+6.23%	+16.77%
2023	+12.05%	-14.89%
2022	-7.91%	-14.44%
2021	+8.95%	+51.45%
2020	N/A	-10.62%
2019	N/A	+18.92%
2018	N/A	-10.43%
2017	N/A	+9.29%
2016	N/A	+42.83%
2015	N/A	+17.24%
2014	N/A	+2.54%
2013	N/A	+74.79%
2012	N/A	+6.29%
2011	N/A	-51.47%
2010	N/A	-26.03%
2009	N/A	-37.72%
2008	N/A	+10.01%
2007	N/A	-25.31%
2006	N/A	+49.23%
2005	N/A	-9.20%
2004	N/A	-0.21%
2003	N/A	+64.40%
2002	N/A	+34.07%
2001	N/A	+18.87%

OXLCL vs SHBI Drawdown Comparison

The maximum drawdown for OXLCL was -13.16%, occurring on Nov 4, 2022. Recovery took 414 trading sessions.

The maximum drawdown for SHBI was -85.58%, occurring on Sep 20, 2011. Recovery took 4884 trading sessions.

The current OXLCL drawdown is -0.49%.

Rank	OXLCL	SHBI
#1	-13.16% Jan 10, 2022 - Sep 5, 2023	-85.58% Dec 26, 2006 - May 28, 2026
#2	-4.82% Sep 20, 2023 - Dec 12, 2023	-40.79% Nov 26, 2003 - May 15, 2006
#3	-4.51% Oct 8, 2024 - Jun 13, 2025	-17.95% Apr 4, 2003 - Aug 29, 2003
#4	-3.16% Aug 4, 2021 - Oct 19, 2021	-14.85% Jun 29, 2006 - Oct 17, 2006
#5	-3.07% Mar 2, 2026 - Apr 20, 2026	-14.85% Aug 15, 2001 - Feb 8, 2002
#6	-2.60% Dec 18, 2023 - Jan 2, 2024	-13.53% Sep 19, 2003 - Oct 7, 2003
#7	-2.44% Apr 10, 2024 - Jun 25, 2024	-11.27% May 29, 2002 - Sep 16, 2002
#8	-2.03% Mar 14, 2024 - Mar 21, 2024	-9.37% Nov 14, 2006 - Dec 26, 2006
#9	-1.90% Jun 26, 2024 - Aug 8, 2024	-8.60% Oct 19, 2006 - Nov 14, 2006
#10	-1.81% Jul 15, 2025 - Aug 28, 2025	-8.56% May 4, 2001 - Jun 29, 2001
#11	-1.41% May 25, 2021 - Jun 24, 2021	-8.10% Oct 7, 2003 - Nov 6, 2003
#12	-1.39% Jul 2, 2026 - Jul 15, 2026	-7.55% Feb 21, 2003 - Mar 19, 2003
#13	-1.26% Sep 5, 2023 - Sep 20, 2023	-7.02% May 18, 2006 - Jun 8, 2006
#14	-1.25% Sep 15, 2025 - Nov 5, 2025	-6.44% May 24, 2002 - May 29, 2002
#15	-1.22% Jun 18, 2026 - Jul 2, 2026	-6.38% Nov 13, 2003 - Nov 25, 2003

Correlation

Correlation between OXLCL and SHBI is 0.41 which considered as a weak positive correlation - the stocks show a slight tendency to move together.

0.41

-101

Dividend Comparison (2001 - 2026)

OXLCL vs SHBI dividend yield comparison.

Year	OXLCL	SHBI
2026	3.45%	1.10%
2025	7.01%	2.71%
2024	7.24%	3.03%
2023	7.24%	3.37%
2022	7.47%	2.75%
2021	3.76%	2.30%
2020	0.00%	3.29%
2019	0.00%	2.42%
2018	0.00%	2.20%
2017	0.00%	1.32%
2016	0.00%	0.92%
2015	0.00%	0.37%
2012	0.00%	0.19%
2011	0.00%	1.75%
2010	0.00%	2.28%
2009	0.00%	4.41%
2008	0.00%	2.67%
2007	0.00%	2.92%
2006	0.00%	1.95%
2005	0.00%	2.52%
2004	0.00%	1.98%
2003	0.00%	1.73%
2002	0.00%	2.56%
2001	0.00%	2.50%