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Shore Bancshares, Inc.(SHBI)Earnings, Financials & Key Ratios
SHBI•NASDAQ•Banking & Credit
$19.75
$661M mkt cap·11.1× P/E·Price updated May 6, 2026
AboutShore Bancshares, Inc. operates as a bank holding company for the Shore United Bank that provides various commercial and consumer banking products and services to individuals, businesses, and other organizations. It offers checking, savings, overnight investment sweep, and money market accounts; and regular and IRA certificates of deposit, as well as CDARS programs and cash management services. The company also provides commercial loans, such as secured and unsecured loans, working capital loans, lines of credit, term loans, accounts receivable financing, real estate acquisition and development loans, construction loans, and letters of credit; residential real estate construction loans; residential mortgage loans; and loans to consumers, including home equity, automobile, installment, home improvement, and personal lines of credit, as well as other consumer financing products. In addition, it offers non-deposit products, such as mutual funds and annuities, and discount brokerage services; and trust, asset management, and financial planning services. Further, the company provides merchant credit card clearing, as well as telephone, mobile, and Internet banking services; safe deposit boxes; debit and credit cards; direct deposit of payroll; and automatic teller machine (ATM) services. It operates 29 full service branches, 30 ATMs, and 5 loan production offices in Baltimore City, Baltimore County, Howard County, Kent County, Queen Anne's County, Caroline County, Talbot County, Dorchester County, Anne Arundel County, and Worcester County in Maryland; Kent County, Delaware; and Accomack County, Virginia. The company was founded in 1876 and is headquartered in Easton, Maryland.Show more
- Net Interest Income$192M+12.8%
- Total Revenue$343M+5.0%
- Net Income$60M+35.6%
- Return on Equity10.52%+26.1%
- Net Interest Margin3.07%+12.3%
- Efficiency Ratio40.28%-4.9%
- ROA0.95%+32.9%
- Equity / Assets9.42%+8.5%
- Book Value per Share17.66+8.8%
- Tangible BV/Share14.87+14.4%
- Debt/Equity0.19-24.8%
SHBI Key Insights
Shore Bancshares, Inc. (SHBI) fundamental analysis — strengths, weaknesses & financial health based on data analysis
✓Strengths
- ✓Strong 5Y profit CAGR of 30.5%
- ✓Strong Piotroski F-Score: 7/9
- ✓Efficient operations: 40.3% efficiency ratio
- ✓Healthy dividend yield of 2.4%
- ✓Trading near 52-week high
- ✓Trading at only 1.1x book value
✗Weaknesses
No significant weaknesses identified
* These insights are generated automatically based on available financial data. Please conduct your own research before making investment decisions.
SHBI Price & Volume
Shore Bancshares, Inc. (SHBI) stock price & volume — 10-year historical chart
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SHBI Growth Metrics
Shore Bancshares, Inc. (SHBI) revenue, earnings & EPS growth — 3, 5 & 10-year CAGR
Revenue CAGR
10 Years20.37%
5 Years37.23%
3 Years35.77%
TTM-
Profit CAGR
10 Years23.67%
5 Years30.49%
3 Years24.04%
TTM35.58%
EPS CAGR
10 Years12.26%
5 Years6.99%
3 Years4.27%
TTM33.83%
Return on Capital
10 Years8.3%
5 Years6.05%
3 Years4.6%
Last Year2.26%
SHBI Recent Earnings
Shore Bancshares, Inc. (SHBI) EPS & revenue vs analyst estimates — last 4 quarters
●Beat EPS 9/12 qtrs (90%)●Beat Revenue 7/12 qtrs (78%)
Q2 2026Latest
Apr 23, 2026EPS
$0.55
Est $0.45
+22.2%
Revenue
$60M
Est $58M
+2.5%
Q1 2026
Jan 28, 2026EPS
$0.53
Est $0.49
+8.2%
Revenue
$59M
Est $58M
+2.2%
Q4 2025
Oct 23, 2025EPS
$0.48
Est $0.45
+6.7%
Revenue
$56M
Est $58M
-2.2%
Q3 2025
Jul 24, 2025EPS
$0.51
Est $0.41
+24.4%
Revenue
$57M
Est $56M
+1.6%
| Quarter | Date | EPS (Act vs Est) | Revenue (Act vs Est) |
|---|---|---|---|
| Q2 2026Latest | Apr 23, 2026 | $0.55vs $0.45+22.2% | $60Mvs $58M+2.5% |
| Q1 2026 | Jan 28, 2026 | $0.53vs $0.49+8.2% | $59Mvs $58M+2.2% |
| Q4 2025 | Oct 23, 2025 | $0.48vs $0.45+6.7% | $56Mvs $58M-2.2% |
| Q3 2025 | Jul 24, 2025 | $0.51vs $0.41+24.4% | $57Mvs $56M+1.6% |
Based on last 12 quarters of dataView full earnings history →
SHBI Peer Comparison
Shore Bancshares, Inc. (SHBI) competitors in Community and retail regional banks — business model, growth, and fundamentals comparison
| Company | Market Cap | Stock Price | P/E Ratio (TTM) | Revenue Growth 1Y | Net Margin | Return on Equity (ROE) | FCF Yield | Debt / Equity |
|---|---|---|---|---|---|---|---|---|
 NBTB | 2.36B | 45.20 | 13.57 | 10.36% | 9.51% | 0.17 | ||
 FUNC | 243.7M | 37.51 | 11.91 | 16.94% | 12.52% | 1.05 | ||
 CZWI | 202.59M | 21.04 | 14.41 | -9.41% | 7.81% | 0.28 | ||
 CHMG | 322.44M | 67.05 | 21.42 | -6.46% | 6.27% | 0.02 | ||
 BWFG | 417.32M | 52.34 | 11.76 | 6.13% | 12.21% | 0.60 | ||
 FXNC | 248.63M | 27.50 | 14.03 | 27.11% | 9.98% | 0.23 | ||
 NKSH | 233.78M | 36.71 | 14.74 | 7.88% | 9.04% | 0.01 | ||
 MNSB | 175.12M | 23.36 | 13.27 | -1.44% | 7.26% | 0.32 |
Compare SHBI vs Peers
Shore Bancshares, Inc. (SHBI) vs competitors — business, growth, and fundamentals comparison against the closest industry rivals.
SHBI Income Statement
Shore Bancshares, Inc. (SHBI) annual income statement — 10-year revenue, gross profit & net income history
10Y historyFree accessUpdated daily
| Line item | Dec'17 | Dec'18 | Dec'19 | Dec'20 | Dec'21 | Dec'22 | Dec'23 | Dec'24 | Dec'25 |
|---|---|---|---|---|---|---|---|---|---|
| Net Interest Income | 45.69M | 50.63M | 50.13M | 52.6M | 64.13M | 101.3M | 135.31M | 170.55M | 192.38M |
| NII Growth % | 19.45% | 10.82% | -1% | 4.92% | 21.93% | 57.96% | 33.57% | 26.05% | 12.8% |
| Net Interest Margin % | 3.28% | 3.41% | 3.22% | 2.72% | 1.85% | 2.91% | 2.25% | 2.74% | 3.07% |
| Interest Income | 47.96M | 55.91M | 59.77M | 59.68M | 70.17M | 113.84M | 214.08M | 295.34M | 310.03M |
| Interest Expense | 2.27M | 5.27M | 9.64M | 7.08M | 6.04M | 12.54M | 78.77M | 124.79M | 117.65M |
| Loan Loss Provision | 2.29M | 1.67M | 700K | 3.9M | -358K | 1.93M | 30.95M | 4.74M | 8.38M |
| Non-Interest Income | 7.67M | 8.49M | 10.02M | 10.75M | 13.5M | 23.09M | 24.34M | 31.15M | 32.69M |
| Non-Interest Income % | 13.79% | 13.19% | 14.36% | 15.26% | 16.13% | 16.86% | 10.21% | 9.54% | 9.54% |
| Total Revenue | 55.63M▲ 0% | 64.4M▲ 15.8% | 69.79M▲ 8.4% | 70.43M▲ 0.9% | 83.67M▲ 18.8% | 136.93M▲ 63.7% | 238.42M▲ 74.1% | 326.49M▲ 36.9% | 342.72M▲ 5.0% |
| Revenue Growth % | -1.98% | 15.76% | 8.36% | 0.92% | 18.8% | 63.66% | 74.12% | 36.94% | 4.97% |
| Non-Interest Expense | 33.11M | 36.31M | 37.56M | 38.4M | 56.81M | 80.32M | 114.51M | 138.25M | 138.03M |
| Efficiency Ratio | 59.52% | 56.38% | 53.82% | 54.52% | 67.9% | 58.66% | 48.03% | 42.35% | 40.28% |
| Operating Income | 17.96M▲ 0% | 21.14M▲ 17.7% | 21.89M▲ 3.6% | 21.05M▼ 3.9% | 21.18M▲ 0.6% | 42.14M▲ 99.0% | 14.18M▼ 66.3% | 58.7M▲ 313.9% | 78.66M▲ 34.0% |
| Operating Margin % | 32.28% | 32.83% | 31.37% | 29.89% | 25.31% | 30.78% | 5.95% | 17.98% | 22.95% |
| Operating Income Growth % | 12.96% | 17.73% | 3.55% | -3.87% | 0.63% | 98.97% | -66.34% | 313.87% | 33.99% |
| Pretax Income | 17.96M▲ 0% | 21.14M▲ 17.7% | 21.89M▲ 3.6% | 21.05M▼ 3.9% | 21.18M▲ 0.6% | 42.14M▲ 99.0% | 14.18M▼ 66.3% | 58.7M▲ 313.9% | 78.66M▲ 34.0% |
| Pretax Margin % | 32.28% | 32.83% | 31.37% | 29.89% | 25.31% | 30.78% | 5.95% | 17.98% | 22.95% |
| Income Tax | 8.73M | 5.38M | 5.61M | 5.32M | 5.81M | 10.96M | 2.96M | 14.81M | 19.15M |
| Effective Tax Rate % | 48.63% | 25.45% | 25.62% | 25.26% | 27.44% | 26.02% | 20.84% | 25.24% | 24.35% |
| Net Income | 11.26M▲ 0% | 25M▲ 122.0% | 16.2M▼ 35.2% | 15.73M▼ 2.9% | 15.37M▼ 2.3% | 31.18M▲ 102.9% | 11.23M▼ 64.0% | 43.89M▲ 290.9% | 59.51M▲ 35.6% |
| Net Margin % | 20.24% | 38.81% | 23.21% | 22.34% | 18.37% | 22.77% | 4.71% | 13.44% | 17.36% |
| Net Income Growth % | 16.85% | 121.96% | -35.2% | -2.89% | -2.3% | 102.87% | -63.99% | 290.89% | 35.58% |
| Net Income (Continuing) | 9.22M | 15.76M | 16.28M | 15.73M | 15.37M | 31.18M | 11.23M | 43.89M | 59.51M |
| EPS (Diluted) | 0.89▲ 0% | 1.96▲ 120.2% | 1.27▼ 35.2% | 1.27▲ 0.0% | 1.17▼ 7.9% | 1.57▲ 34.2% | 0.42▼ 73.2% | 1.32▲ 214.3% | 1.78▲ 34.8% |
| EPS Growth % | 17.11% | 120.22% | -35.2% | 0% | -7.87% | 34.19% | -73.25% | 214.29% | 34.85% |
| EPS (Basic) | 0.89 | 1.96 | 1.27 | 1.27 | 1.17 | 1.57 | 0.42 | 1.32 | 1.78 |
| Diluted Shares Outstanding | 12.72M | 12.75M | 12.73M | 12.38M | 13.12M | 19.85M | 26.57M | 33.34M | 33.41M |
SHBI Balance Sheet
Shore Bancshares, Inc. (SHBI) balance sheet — assets, liabilities & shareholders' equity
| Line item | Dec'17 | Dec'18 | Dec'19 | Dec'20 | Dec'21 | Dec'22 | Dec'23 | Dec'24 | Dec'25 |
|---|---|---|---|---|---|---|---|---|---|
| Cash & Short Term Investments | 228.78M | 221.66M | 217.76M | 326.49M | 700.6M | 139.09M | 482.93M | 609.06M | 50.16M |
| Cash & Due from Banks | 31.82M | 67.22M | 94.97M | 186.92M | 583.61M | 55.5M | 372.41M | 459.85M | 50.16M |
| Short Term Investments | 196.96M | 154.43M | 122.79M | 139.57M | 116.98M | 83.59M | 110.52M | 149.21M | 0 |
| Total Investments | 1.3B | 1.35B | 1.37B | 1.65B | 2.67B | 3.19B | 5.22B | 5.37B | 5.84B |
| Investments Growth % | 25.62% | 3.79% | 1.76% | 20.13% | 61.89% | 19.56% | 63.8% | 2.83% | 8.79% |
| Long-Term Investments | 1.1B | 1.19B | 1.25B | 1.51B | 2.55B | 3.1B | 5.11B | 5.22B | 5.84B |
| Accounts Receivables | 3.51M | 3.35M | 3.46M | 6.62M | 6.72M | 9.38M | 19.22M | 19.57M | 18.55M |
| Goodwill & Intangibles | 21.24M | 20.38M | 19.77M | 19.24M | 75.04M | 74.09M | 117.28M | 107.45M | 92.99M |
| Goodwill | 17.52M | 17.52M | 17.52M | 17.52M | 63.42M | 63.27M | 63.27M | 63.27M | 63.27M |
| Intangible Assets | 3.72M | 2.86M | 2.25M | 1.72M | 11.62M | 10.82M | 54.02M | 44.19M | 29.72M |
| PP&E (Net) | 22.63M | 22.71M | 28.59M | 29.72M | 62.99M | 61.12M | 94.87M | 93.19M | 90.69M |
| Other Assets | 11.1M | 16.78M | 37.3M | 37.72M | 59M | 79.16M | 144.57M | 149.06M | -5.84B |
| Total Current Assets | 233.57M | 226.07M | 222.55M | 334.73M | 710.79M | 151.15M | 502.15M | 628.63M | 68.72M |
| Total Non-Current Assets | 1.16B | 1.26B | 1.34B | 1.6B | 2.75B | 3.33B | 5.51B | 5.6B | 213.5M |
| Total Assets | 1.39B▲ 0% | 1.48B▲ 6.4% | 1.56B▲ 5.1% | 1.93B▲ 24.0% | 3.46B▲ 79.0% | 3.48B▲ 0.5% | 6.01B▲ 72.9% | 6.23B▲ 3.7% | 6.26B▲ 0.5% |
| Asset Growth % | 20.13% | 6.4% | 5.14% | 23.99% | 78.97% | 0.5% | 72.86% | 3.66% | 0.45% |
| Return on Assets (ROA) | 0.88% | 1.74% | 1.06% | 0.9% | 0.57% | 0.9% | 0.24% | 0.72% | 0.95% |
| Accounts Payable | 65K | 604K | 330K | 1.7M | 3.44M | 1.34M | 0 | 0 | 0 |
| Total Debt | 21.73M | 75.81M | 22.24M | 30.35M | 68.61M | 92.98M | 85.15M | 135.56M | 111.11M |
| Net Debt | -10.09M | 8.59M | -72.73M | -156.56M | -515.01M | 37.48M | -287.26M | -324.29M | 60.95M |
| Long-Term Debt | 0 | 15M | 15M | 24.43M | 52.9M | 43.07M | 72.3M | 123.72M | 89.06M |
| Short-Term Debt | 21.73M | 60.81M | 2.45M | 1.05M | 4.14M | 40M | 0 | 0 | 11.03M |
| Other Liabilities | 2.33M | 7.68M | 2.52M | 4.89M | 7.74M | 7.53M | 28.14M | 25.8M | 5.57B |
| Total Current Liabilities | 1.23B | 1.28B | 1.34B | 1.7B | 3.04B | 3.05B | 5.39B | 5.53B | 11.03M |
| Total Non-Current Liabilities | 2.33M | 22.68M | 22.32M | 34.2M | 72.2M | 60.51M | 113.66M | 161.36M | 5.67B |
| Total Liabilities | 1.23B | 1.3B | 1.37B | 1.74B | 3.11B | 3.11B | 5.5B | 5.69B | 5.67B |
| Total Equity | 163.74M▲ 0% | 183.19M▲ 11.9% | 192.8M▲ 5.2% | 195.02M▲ 1.1% | 350.69M▲ 79.8% | 364.29M▲ 3.9% | 511.13M▲ 40.3% | 541.07M▲ 5.9% | 589.87M▲ 9.0% |
| Equity Growth % | 6.12% | 11.88% | 5.25% | 1.15% | 79.83% | 3.88% | 40.31% | 5.86% | 9.02% |
| Equity / Assets (Capital Ratio) | 11.75% | 12.35% | 12.37% | 10.09% | 10.14% | 10.48% | 8.5% | 8.68% | 9.42% |
| Return on Equity (ROE) | 7.08% | 14.41% | 8.62% | 8.11% | 5.63% | 8.72% | 2.57% | 8.34% | 10.52% |
| Book Value per Share | 12.87 | 14.36 | 15.15 | 15.75 | 26.73 | 18.35 | 19.23 | 16.23 | 17.66 |
| Tangible BV per Share | 11.20 | 12.77 | 13.59 | 14.20 | 21.01 | 14.62 | 14.82 | 13.01 | 14.87 |
| Common Stock | 127K | 127K | 125K | 118K | 198K | 199K | 332K | 333K | 334K |
| Additional Paid-in Capital | 65.26M | 65.43M | 61.05M | 52.17M | 200.47M | 201.49M | 356.01M | 358.11M | 360.55M |
| Retained Earnings | 99.66M | 120.57M | 131.43M | 141.21M | 149.97M | 171.61M | 162.29M | 190.17M | 233.58M |
| Accumulated OCI | -1.31M | -2.95M | 207K | 1.53M | 56K | -9.02M | -7.49M | -7.54M | -4.59M |
| Treasury Stock | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Preferred Stock | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
SHBI Cash Flow Statement
Shore Bancshares, Inc. (SHBI) cash flow — operating, investing & free cash flow history
| Line item | Dec'17 | Dec'18 | Dec'19 | Dec'20 | Dec'21 | Dec'22 | Dec'23 | Dec'24 | Dec'25 |
|---|---|---|---|---|---|---|---|---|---|
| Cash from Operations | 19.52M | 18.3M | 13.74M | 18.43M | -7.5M | 52.65M | 22.71M | 46.89M | 17.86M |
| Operating CF Growth % | 2.77% | -6.28% | -24.89% | 34.1% | -140.71% | 801.68% | -56.86% | 106.43% | -61.91% |
| Net Income | 11.26M | 12.26M | 16.2M | 15.73M | 15.37M | 31.18M | 11.23M | 43.89M | 59.51M |
| Depreciation & Amortization | 1.65M | 2.3M | 2.39M | 2.48M | 3.09M | 5.86M | 10.94M | 16.04M | 119K |
| Deferred Taxes | 4.48M | -1.61M | 241K | -2.19M | 278K | -1.18M | 2.72M | 8.87M | 0 |
| Other Non-Cash Items | 2.83M | 1.87M | 676K | 2.93M | -27.64M | 25.81M | 9.81M | -24.3M | -47.26M |
| Working Capital Changes | -1.75M | 3.04M | -5.91M | -782K | 1.02M | -9.66M | -13.16M | 655K | 3.6M |
| Cash from Investing | -72.3M | -42.45M | -45.68M | -280.08M | 38.19M | -581.57M | 172.31M | -134.54M | 191K |
| Purchase of Investments | -84.5M | -616K | -4.03M | -130.66M | -255.53M | -208.15M | -33.3M | -126.23M | 0 |
| Sale/Maturity of Investments | 50.96M | 39.14M | 36.73M | 58.61M | 80.93M | 72.77M | 496.77M | 119.85M | 0 |
| Net Investment Activity | -33.54M | 38.53M | 32.7M | -72.05M | -174.6M | -135.39M | 463.46M | -6.38M | 0 |
| Acquisitions | 64.05M | 0 | 0 | 0 | 305.78M | 0 | 25.37M | 0 | 0 |
| Other Investing | -101.55M | -79.85M | -76.13M | -205.64M | -89.54M | -443.77M | -310.57M | -122.94M | 191K |
| Cash from Financing | 8.66M | 59.56M | 59.68M | 353.6M | 366.01M | 811K | 121.89M | 175.09M | -1.65M |
| Dividends Paid | -2.79M | -4.08M | -5.35M | -5.95M | -6.61M | -9.53M | -12.73M | -16.01M | -16.09M |
| Share Repurchases | 0 | -269K | -4.54M | -9.15M | -819K | 0 | 0 | 0 | 0 |
| Stock Issued | 0 | 0 | 0 | 0 | 6K | 386K | 385K | 376K | 82K |
| Net Stock Activity | 0 | -269K | -4.54M | -9.15M | -813K | 386K | 385K | 376K | 82K |
| Debt Issuance (Net) | 1000K | 1000K | -1000K | 1000K | 1000K | 1000K | -1000K | 1000K | -1000K |
| Other Financing | -7.08M | 9.83M | 129.15M | 359.48M | 370.33M | -15.9M | 243.24M | 140.73M | 50M |
| Net Change in Cash | -44.12M▲ 0% | 35.41M▲ 180.3% | 27.75M▼ 21.6% | 91.95M▲ 231.4% | 396.7M▲ 331.4% | -528.11M▼ 233.1% | 316.91M▲ 160.0% | 87.44M▼ 72.4% | 16.4M▼ 81.2% |
| Exchange Rate Effect | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Cash at Beginning | 75.94M | 31.82M | 67.22M | 94.97M | 186.92M | 583.61M | 55.5M | 372.41M | 5.26M |
| Cash at End | 31.82M | 67.22M | 94.97M | 186.92M | 583.61M | 55.5M | 372.41M | 459.85M | 21.65M |
| Interest Paid | 2.37M | 5.01M | 10.07M | 6.83M | 6.01M | 12.62M | 74.04M | 0 | 114.86M |
| Income Taxes Paid | 3.9M | 5.37M | 11.92M | 7.93M | 6.25M | 11.85M | 7.29M | 0 | 15.07M |
| Free Cash Flow | 18.26M▲ 0% | 17.16M▼ 6.0% | 11.5M▼ 33.0% | 16.05M▲ 39.6% | -10.95M▼ 168.2% | 50.23M▲ 558.6% | 16.76M▼ 66.6% | 41.66M▲ 148.6% | 72.72M▲ 74.5% |
| FCF Growth % | -0.19% | -6.02% | -33% | 39.62% | -168.22% | 558.61% | -66.64% | 148.6% | 74.54% |
SHBI Banking Ratios
Shore Bancshares, Inc. (SHBI) financial ratios — P/E, ROE, debt and 30+ core market and balance-sheet ratios
| Metric | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|---|---|---|---|---|---|
| Return on Equity (ROE) | 6.4% | 7.08% | 14.41% | 8.62% | 8.11% | 5.63% | 8.72% | 2.57% | 8.34% | 10.52% |
| Return on Assets (ROA) | 0.84% | 0.88% | 1.74% | 1.06% | 0.9% | 0.57% | 0.9% | 0.24% | 0.72% | 0.95% |
| Net Interest Margin | 3.3% | 3.28% | 3.41% | 3.22% | 2.72% | 1.85% | 2.91% | 2.25% | 2.74% | 3.07% |
| Efficiency Ratio | 64.5% | 59.52% | 56.38% | 53.82% | 54.52% | 67.9% | 58.66% | 48.03% | 42.35% | 40.28% |
| Equity / Assets | 13.3% | 11.75% | 12.35% | 12.37% | 10.09% | 10.14% | 10.48% | 8.5% | 8.68% | 9.42% |
| Book Value / Share | 12.18 | 12.87 | 14.36 | 15.15 | 15.75 | 26.73 | 18.35 | 19.23 | 16.23 | 17.66 |
| NII Growth | 7.67% | 19.45% | 10.82% | -1% | 4.92% | 21.93% | 57.96% | 33.57% | 26.05% | 12.8% |
| Dividend Payout | 18.38% | 24.77% | 16.32% | 33.01% | 37.83% | 42.99% | 30.57% | 113.4% | 36.49% | 27.05% |
SHBI SEC Filings & Documents
Shore Bancshares, Inc. (SHBI) SEC filings — annual & quarterly reports (10-K, 10-Q)
SHBI Frequently Asked Questions
Shore Bancshares, Inc. (SHBI) stock FAQ — growth, dividends, profitability & financials explained
Growth & Financials
Shore Bancshares, Inc. (SHBI) grew revenue by 5.0% over the past year. Growth has been modest.
Yes, Shore Bancshares, Inc. (SHBI) is profitable, generating $59.5M in net income for fiscal year 2025 (17.4% net margin).
Dividend & Returns
Yes, Shore Bancshares, Inc. (SHBI) pays a dividend with a yield of 2.44%. This makes it attractive for income-focused investors.
Shore Bancshares, Inc. (SHBI) has a return on equity (ROE) of 10.5%. This is reasonable for most industries.
Industry Metrics
Shore Bancshares, Inc. (SHBI) has a net interest margin (NIM) of 3.1%. This indicates healthy earnings from lending activities.
Shore Bancshares, Inc. (SHBI) has an efficiency ratio of 40.3%. This is excellent, indicating strong cost control.
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Shore Bancshares, Inc. (SHBI) financial analysis — history, returns, DCA and operating performance tools
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