Shear stress in beam section coming from lateral force is not uniform across the section. Derivation comes from Zhuravskii. The local lateral force basically increases bending moment when you move a little bit along the beam axis. So you can investigate bending stresses in consecutive sections.
Not the trick is to cut the part between 2 sections horizontally, add the unknown shear stress $\tau$ and calculate it from the equilibrium.
Thea equilibrium would be:
$$- \int\limits_{\gamma_\tau} \sigma_x(x, z)dydz + \int\limits_{\gamma_\tau} \sigma_x(x+dx, z)dydz - \tau\cdot b\cdot dx = 0$$
Stresses directly from moments $M_o$ cancel out, and what remains comes just from lateral force $T$:
$$\tau \cdot b\cdot dx = \frac{T\cdot dx}{I_y}\cdot \int\limits_{\gamma_\tau} z dydz$$
This can be simplified to:
$$\tau = \frac{T\cdot U_\tau}{b\cdot I_y}$$
where:
- $T$ is the local lateral force
- $U_\tau$ is the first moment of the area above the horizontal section
- $I_y$ is the second moment of area for the whole section
- $b$ is local section width at the investigated coordinate $z$
which is basically the Zhuravskii shear stress formula.
In your case:
$$I_y = \frac{b\cdot h^3}{12}$$
The highest shear stress will be at the section centroid, so you need static moment for half of the section:
$$U_\tau = A_\tau\cdot z_\tau = \left(\frac{h}{2}\cdot b\right)\cdot \frac{h}{4} = \frac{b\cdot h^2}{8}$$
The width will be of course $b$, so:
$$\tau = \frac{T\cdot U_\tau}{b\cdot I_y} = \frac{T\cdot \frac{b\cdot h^2}{8}}{b\cdot \frac{b\cdot h^3}{12}} = \frac{3}{2}\cdot \frac{T}{b\cdot h} = \frac{3}{2}\cdot \frac{T}{A}$$
$T$ is probably $F\cdot \frac{L}{2}$ in your formula, so the question is how will adding the point load change the critical lateral force.
Edit:
Admissible stress $\tau_{adm}$ should be less than maximum $\tau_{max}$, so it is possible that in your case, 2 is safety factor. This would make sense, because in uniformly loaded cantilever beam, the maximum lateral force would be $T_{max} = F\cdot L$;
$$\tau_{adm} = \frac{\tau_{max}}{2} = \frac{\frac{3}{2}\cdot \frac{T_{max}}{A}}{2}$$