VEL vs SHBI

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

Both VEL and SHBI are from the Financial Services sector.

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

VEL vs SHBI - Performance Comparison

Log

Key Characteristics

Financial metrics and valuation ratios

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

Market Cap

Winner

VEL

$683M

SHBI

$682M

Max Drawdown

Winner

VEL

83.13%

SHBI

87.26%

Sharpe Ratio

VEL

0.14

Winner

SHBI

1.50

5Y Beta

Winner

VEL

0.35

SHBI

0.91

Industry

VEL

Mortgage Finance

SHBI

Banks - Regional

P/E Ratio

VEL

17.58

Winner

SHBI

10.85

Forward P/E

VEL

N/A

SHBI

10.09

PEG Ratio

Winner

VEL

0.33

SHBI

0.41

Dividend Yield

VEL

N/A

SHBI

2.31%

5Y Dividends CAGR

VEL

N/A

SHBI

0.82%

5Y EPS CAGR

VEL

11.42%

Winner

SHBI

17.24%

Debt to Equity

Winner

VEL

0.00%

SHBI

14.77%

Free Cash Flow Yield

VEL

3.87%

Winner

SHBI

10.40%

P/S Ratio

Winner

VEL

2.53

SHBI

3.04

P/B Ratio

Winner

VEL

1.00

SHBI

1.13

VEL vs SHBI - Historical Returns

Returns include dividend reinvestment.

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

VEL

-9.67%

Winner

SHBI

+7.95%

VEL

-4.17%

Winner

SHBI

+16.97%

VEL

-7.37%

Winner

SHBI

+20.47%

VEL

+4.24%

Winner

SHBI

+49.38%

5Y(CAGR)

Winner

VEL

+10.41%

SHBI

+7.04%

10Y(CAGR)

VEL

N/A

SHBI

+9.65%

Max(CAGR)

VEL

+4.10%

Winner

SHBI

+5.14%

VEL vs SHBI - Annual Returns (2001 - 2026)

Returns include dividend reinvestment.

Year	VEL	SHBI
2026	-10.64%	+22.20%
2025	+8.58%	+16.69%
2024	+20.22%	+16.77%
2023	+81.26%	-14.89%
2022	-28.94%	-14.44%
2021	+123.56%	+51.45%
2020	-53.89%	-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%

VEL vs SHBI Drawdown Comparison

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

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

The current VEL drawdown is -15.90%.

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