Is RF or SHBI more undervalued in 2026?

CirclFi compares Regions Financial Corporation (RF) and Shore Bancshares, Inc. (SHBI) using 13 institutional-grade valuation models. RF has a Quality of Company score of 8.6/10 while SHBI scores 9.7/10.

Which is a better buy — RF or SHBI?

Compare intrinsic values from 13 independent models against current market prices. CirclFi also calculates Value Trap scores. This is not financial advice — conduct your own analysis.

How do RF and SHBI valuations compare?

RF at $28.00 and SHBI at $20.66 are compared across Bayesian DCF, EPV, EROIC Spread, First Chicago, Markov DDM, and 8 additional models.

RF vs SHBI Valuation Comparison 2026 — Intrinsic Value Analysis

RF

National Commercial Banks

Regions Financial Corporation

Quality

8.6

out of 10

Value Trap

SAFE

Price

$28.00

Last close

Models

11/13

Active

SHBI

National Commercial Banks

Shore Bancshares, Inc.

Quality

9.7

out of 10

Value Trap

SAFE

Price

$20.66

Last close

Models

11/13

Active

Model-by-Model Comparison

Model	Type	RF Fair Value	RF Upside	SHBI Fair Value	SHBI Upside
Bayesian DCF	Intrinsic	$21.86	-21.9%	$13.94	-32.5%
Earnings Power Value	Intrinsic	$28.59	+2.1%	$25.51	+23.5%
EROIC Spread	Intrinsic	$•••.••	••.•%	$•••.••	••.•%
First Chicago	Scenario	$•••.••	••.•%	$•••.••	••.•%
Markov DDM	Intrinsic	$•••.••	••.•%	$•••.••	••.•%
ML-RIV	Intrinsic	$•••.••	••.•%	$•••.••	••.•%
Regime Cross-Sectional	Relative	$•••.••	••.•%	$•••.••	••.•%
Sentiment SOTP	Hybrid	$•••.••	••.•%	$•••.••	••.•%
CUCE Ensemble	Ensemble	$•••.••	••.•%	$•••.••	••.•%
FTNN Topology	Relative	$•••.••	••.•%	$•••.••	••.•%
RCMH-DCF	Intrinsic	$•••.••	••.•%	$•••.••	••.•%

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RF vs SHBI — Which Stock Is More Undervalued?

SHBI scores higher with a 9.7/10 quality rating vs RF's 8.6/10. Both stocks are analyzed daily using SEC EDGAR filings across 13 independent models.

Comparing Regions Financial Corporation (RF) and Shore Bancshares, Inc. (SHBI) across 13 institutional-grade valuation models reveals how each company's intrinsic value stacks up against its market price. CirclFi's engine processes SEC EDGAR 10-K and 10-Q filings, FRED macroeconomic data, and GDELT news sentiment to generate independent fair value estimates daily.

RF currently trades at $28.00 with a QOC of 8.6/10, while SHBI trades at $20.66 with a QOC of 9.7/10.

Both companies are analyzed with models spanning intrinsic (Bayesian DCF, EPV), scenario-based (First Chicago), regime-switching (Markov DDM, RCMH-DCF), machine learning (ML-RIV, FTNN Topology), and ensemble methods (CUCE).