Shore Bancshares, Inc. (SHBI) Earnings History
Steady Earner29 years of earnings data (1997–2025) · Positive but moderate multi-year EPS trajectory
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Shore Bancshares, Inc. (SHBI) Earnings Overview
As of June 28, 2026, Shore Bancshares, Inc. (SHBI) reported trailing twelve-month net income of $63M, reflecting +34.8% year-over-year growth. The company earned $1.88 per diluted share over the past four quarters, with a net profit margin of 17.4%.
Looking at the long-term picture, SHBI's 5-year EPS compound annual growth rate (CAGR) stands at +7.0%, showing solid earnings momentum. The company achieved its highest annual net income of $60M in fiscal 2025, representing a new all-time high.
Shore Bancshares, Inc. maintains industry-leading profitability with a gross margin of 63.2%, operating margin of 23.0%, and net margin of 17.4%. This margin structure demonstrates strong pricing power and operational efficiency. View revenue history →
Compared to peers including NBTB ($184M net income, 19.5% margin), FUNC ($25M net income, 20.6% margin), CZWI ($15M net income, 16.0% margin), SHBI has room to improve margins relative to the peer group. Compare SHBI vs NBTB →
SHBI Earnings vs Peers
Earnings metrics vs comparable public companies
SHBI Historical Earnings Data (1997–2025)
29 years| Fiscal Year | Net Income | YoY % | Operating Income | EPS (Diluted) | Net Margin | Op. Margin |
|---|---|---|---|---|---|---|
| 2025 | $60M | +35.6% | $79M | $1.78 | 17.4% | 23.0% |
| 2024 | $44M | +290.9% | $59M | $1.32 | 13.4% | 18.0% |
| 2023 | $11M | -64.0% | $14M | $0.42 | 4.7% | 5.9% |
| 2022 | $31M | +102.9% | $42M | $1.57 | 22.8% | 30.8% |
| 2021 | $15M | -2.3% | $21M | $1.17 | 18.4% | 25.3% |
| 2020 | $16M | -2.9% | $21M | $1.27 | 22.3% | 29.9% |
| 2019 | $16M | -35.2% | $22M | $1.27 | 23.2% | 31.4% |
| 2018 | $25M | +122.0% | $21M | $1.96 | 38.8% | 32.8% |
| 2017 | $11M | +16.8% | $18M | $0.89 | 20.2% | 32.3% |
| 2016 | $10M | +35.6% | $16M | $0.76 | 17.0% | 28.0% |
| 2015 | $7M | +40.7% | $12M | $0.56 | 13.2% | 21.5% |
| 2014 | $5M | +152.4% | $8M | $0.46 | 9.4% | 15.2% |
| 2013 | -$10M | +0.0% | -$16M | $-1.14 | -17.1% | -28.6% |
| 2012 | -$10M | -974.5% | -$16M | $-1.14 | -16.1% | -27.1% |
| 2011 | $-897,000 | +46.2% | -$2M | $-0.11 | -1.3% | -2.3% |
| 2010 | -$2M | -122.9% | -$2M | $-0.20 | -2.3% | -3.0% |
| 2009 | $7M | -36.6% | $12M | $0.64 | 9.3% | 14.9% |
| 2008 | $11M | -14.7% | $19M | $1.37 | 14.0% | 22.6% |
| 2007 | $13M | -0.8% | $21M | $1.60 | 16.9% | 26.9% |
| 2006 | $14M | +5.2% | $22M | $1.61 | 19.1% | 30.7% |
| 2005 | $13M | +26.4% | $21M | $1.55 | 21.9% | 35.2% |
| 2004 | $10M | +7.4% | $16M | $1.23 | 21.0% | 33.1% |
| 2003 | $9M | +8.0% | $15M | $1.16 | 21.5% | 33.4% |
| 2002 | $9M | +10.0% | $14M | $1.08 | 20.8% | 32.0% |
| 2001 | $8M | +0.4% | $12M | $0.99 | 19.2% | 29.5% |
| 2000 | $8M | +17.0% | $12M | $0.99 | 19.0% | 29.5% |
| 1999 | $7M | +206.7% | $10M | $0.85 | 36.9% | 56.1% |
| 1998 | $2M | -6.4% | $3M | $0.75 | 32.7% | 48.5% |
| 1997 | $2M | - | $4M | $0.79 | 37.3% | 55.1% |
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SHBI — Frequently Asked Questions
Quick answers to the most common questions about buying SHBI stock.
What is SHBI earnings per share (EPS)?
SHBI trailing twelve-month (TTM) diluted EPS is $1.88, reflecting +34.8% year-over-year growth. The 5-year EPS CAGR is +7.0%. Complete EPS history from 1997 to 2025 is available in the table on this page.
What is Shore Bancshares, Inc.'s net income?
Shore Bancshares, Inc. (SHBI) trailing twelve-month net income is $63M as of 2025. Earnings grew +34.8% year-over-year. Shore Bancshares, Inc. has been profitable for 12 consecutive years.
Is SHBI profitable?
Yes, SHBI is profitable with a TTM net income of $63M and a net profit margin of +17.4%. Shore Bancshares, Inc. has generated profits for 12 consecutive years.
What is SHBI's earnings growth rate?
SHBI compound annual EPS growth rates (CAGR): 1-Year: +34.8%, 3-Year: +4.3%, 5-Year: +7.0%, 10-Year: +12.3%. These figures measure the annualised rate of diluted EPS growth over each period, based on data from 1997 to 2025.
What are SHBI's profit margins?
Shore Bancshares, Inc. net profit margin is +17.4%, operating margin is +23.0%, and gross margin is +63.2%. Above-average net margins reflect strong pricing power and competitive moat. Return on Equity is +10.5%.
Is SHBI growing earnings?
Yes, SHBI earnings are accelerating — EPS growth of +34.8% exceeds the 5-year CAGR of +7.0%. TTM net income reached $63M. Earnings momentum is strengthening.
What was SHBI's best earnings year?
Shore Bancshares, Inc.'s highest annual net income on record is $60M, achieved in fiscal year 2025. Earnings history on this page spans 1997 to 2025 and includes all annual and quarterly figures.
What were SHBI's earnings last quarter?
SHBI's most recent reported quarter was Q1 2026. Net income was $17M with diluted EPS of $0.51. For a full breakdown of all quarters, see the quarterly earnings table on this page.