SHBI vs VEL

Comparison between Shore Bancshares Inc (SHBI, Company) and Velocity Financial Inc (VEL, Company).

Both SHBI and VEL are from the Financial Services sector.

5-Year PerformanceVEL has outperformed SHBI, delivering a return of +10.4% compared to +7.0%

SHBI vs VEL - Performance Comparison

Log

Key Characteristics

Financial metrics and valuation ratios

Metric	SHBI(COMPANY)	VEL(COMPANY)
Market Cap	$682M	$683M
Max Drawdown	87.26%	83.13%
Sharpe Ratio	1.50	0.14
5Y Beta	0.91	0.35
Industry	Banks - Regional	Mortgage Finance
P/E Ratio	10.85	17.58
Forward P/E	10.09	N/A
PEG Ratio	0.41	0.33
Dividend Yield	2.31%	N/A
5Y Dividends CAGR	0.82%	N/A
5Y EPS CAGR	17.24%	11.42%
Debt to Equity	14.77%	0.00%
Free Cash Flow Yield	10.40%	3.87%
P/S Ratio	3.04	2.53
P/B Ratio	1.13	1.00

Market Cap

SHBI

$682M

Winner

VEL

$683M

Max Drawdown

SHBI

87.26%

Winner

VEL

83.13%

Sharpe Ratio

Winner

SHBI

1.50

VEL

0.14

5Y Beta

SHBI

0.91

Winner

VEL

0.35

Industry

SHBI

Banks - Regional

VEL

Mortgage Finance

P/E Ratio

Winner

SHBI

10.85

VEL

17.58

Forward P/E

SHBI

10.09

VEL

N/A

PEG Ratio

SHBI

0.41

Winner

VEL

0.33

Dividend Yield

SHBI

2.31%

VEL

N/A

5Y Dividends CAGR

SHBI

0.82%

VEL

N/A

5Y EPS CAGR

Winner

SHBI

17.24%

VEL

11.42%

Debt to Equity

SHBI

14.77%

Winner

VEL

0.00%

Free Cash Flow Yield

Winner

SHBI

10.40%

VEL

3.87%

P/S Ratio

SHBI

3.04

Winner

VEL

2.53

P/B Ratio

SHBI

1.13

Winner

VEL

1.00

SHBI vs VEL - Historical Returns

Returns include dividend reinvestment.

Period	SHBI	VEL
1 month	+7.95%	-9.67%
3 months	+16.97%	-4.17%
6 months	+20.47%	-7.37%
1 year	+49.38%	+4.24%
5 years(CAGR)	+7.04%	+10.41%
10 years(CAGR)	+9.65%	N/A
Max(CAGR)	+5.14%	+4.10%

Winner

SHBI

+7.95%

VEL

-9.67%

Winner

SHBI

+16.97%

VEL

-4.17%

Winner

SHBI

+20.47%

VEL

-7.37%

Winner

SHBI

+49.38%

VEL

+4.24%

5Y(CAGR)

SHBI

+7.04%

Winner

VEL

+10.41%

10Y(CAGR)

SHBI

+9.65%

VEL

N/A

Max(CAGR)

Winner

SHBI

+5.14%

VEL

+4.10%

SHBI vs VEL - Annual Returns (2001 - 2026)

Returns include dividend reinvestment.

Year	SHBI	VEL
2026	+22.20%	-10.64%
2025	+16.69%	+8.58%
2024	+16.77%	+20.22%
2023	-14.89%	+81.26%
2022	-14.44%	-28.94%
2021	+51.45%	+123.56%
2020	-10.62%	-53.89%
2019	+18.92%	N/A
2018	-10.43%	N/A
2017	+9.29%	N/A
2016	+42.83%	N/A
2015	+17.24%	N/A
2014	+2.54%	N/A
2013	+74.79%	N/A
2012	+6.29%	N/A
2011	-51.47%	N/A
2010	-26.03%	N/A
2009	-37.72%	N/A
2008	+10.01%	N/A
2007	-25.31%	N/A
2006	+49.23%	N/A
2005	-9.20%	N/A
2004	-0.21%	N/A
2003	+64.40%	N/A
2002	+34.07%	N/A
2001	+18.87%	N/A

SHBI vs VEL Drawdown Comparison

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

The maximum drawdown for VEL was -83.13%, occurring on Apr 3, 2020. Recovery took 941 trading sessions.

The current VEL drawdown is -15.90%.

Rank	SHBI	VEL
#1	-85.58% Dec 26, 2006 - May 28, 2026	-83.13% Feb 20, 2020 - Nov 14, 2023
#2	-40.79% Nov 26, 2003 - May 15, 2006	-22.09% Nov 14, 2023 - Mar 18, 2024
#3	-17.95% Apr 4, 2003 - Aug 29, 2003	-21.48% Dec 16, 2024 - May 9, 2025
#4	-14.85% Jun 29, 2006 - Oct 17, 2006	-13.14% Mar 21, 2024 - May 31, 2024
#5	-14.85% Aug 15, 2001 - Feb 8, 2002	-6.83% Jul 16, 2024 - Sep 5, 2024
#6	-13.53% Sep 19, 2003 - Oct 7, 2003	-5.08% Sep 19, 2024 - Nov 12, 2024
#7	-11.27% May 29, 2002 - Sep 16, 2002	-4.07% Jun 5, 2024 - Jul 11, 2024
#8	-9.37% Nov 14, 2006 - Dec 26, 2006	-3.51% Mar 18, 2024 - Mar 21, 2024
#9	-8.60% Oct 19, 2006 - Nov 14, 2006	-3.33% Jan 21, 2020 - Jan 29, 2020
#10	-8.56% May 4, 2001 - Jun 29, 2001	-3.30% Jan 30, 2020 - Feb 12, 2020
#11	-8.10% Oct 7, 2003 - Nov 6, 2003	-2.21% Nov 12, 2024 - Nov 25, 2024
#12	-7.55% Feb 21, 2003 - Mar 19, 2003	-0.97% Dec 4, 2024 - Dec 11, 2024
#13	-7.02% May 18, 2006 - Jun 8, 2006	-0.97% Dec 11, 2024 - Dec 16, 2024
#14	-6.44% May 24, 2002 - May 29, 2002	-0.69% Feb 13, 2020 - Feb 20, 2020
#15	-6.38% Nov 13, 2003 - Nov 25, 2003	-0.54% May 31, 2024 - Jun 4, 2024