Shore Bancshares, Inc.

Shore Bancshares, Inc.

SHBI
Shore Bancshares, Inc.US flagNASDAQ Global Select
19.99
USD
-0.86
- -
668.78MMarket Cap
2013 Y
2014 Y
2015 Y
2016 Y
2017 Y
2018 Y
2019 Y
2020 Y
2021 Y
2022 Y
2023 Y
2024 Y
2025 Y
TTM
Revenue per Share
5.9
4.5
3.98
4.3
4.21
4.64
4.73
5.12
5.92
6.27
5.99
6.06
6.74
6.94
Basic EPS, GAAP
-1.14
0.46
0.56
0.76
0.89
1.96
1.27
1.27
1.17
1.57
0.42
1.32
1.78
1.88
Free Cash Flow per Basic Share
2.28
1.01
1.08
1.45
1.44
1.35
0.9
1.3
-0.83
2.53
0.63
1.25
1.77
2.12
Dividend per Share
- -
- -
0.04
0.14
0.22
0.32
0.42
0.48
0.5
0.48
0.48
0.48
0.48
0.48
Book Value per Share
8.45
7
6.59
7.2
7.87
9.47
10.34
11.42
11.45
8.66
6.1
5.73
7
7.39
Tangible Book Value per Share
10.32
11.62
10.6
11.17
11.24
12.78
13.6
14.2
21.01
14.62
14.77
13.21
14.88
15.32
Basic Weighted Avg Shares
8
11
13
13
13
13
13
12
13
20
27
33
33
33
Sales/Revenue/Turnover
50
49
50
54
53
59
60
63
78
124
160
202
225
232
Operating Margin (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Depreciation Expense
2
2
2
2
2
2
2
2
3
6
11
16
15
15
Net Income, GAAP
-10
5
7
10
11
25
16
16
15
31
11
44
60
63
Effective Tax Rate (%)
- -
37.73
38.28
39.38
48.63
25.45
25.62
25.26
27.44
26.02
20.84
25.24
24.35
24.35
Profit Margin (%)
-19.3
10.26
14.13
17.73
21.11
42.27
26.93
24.83
19.8
25.06
7.03
21.76
26.44
27.1
Working Capital
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
LT Debt
- -
- -
- -
- -
- -
15
20
29
64
53
86
136
100
100
Total Equity
103
140
147
154
164
183
193
195
351
364
511
541
590
603
Return on Invested Capital (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Return on Capital (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Return on Common Equity (%)
-12.62
6.82
8.89
11.06
11.8
22.67
12.84
11.53
10.54
19.37
6.71
24.86
28.04
28.1

Capital Structure

FRC

in mil. unless spec.
Sep'25
Dec'25
Mar'26
ST Debt
- -
- -
- -
LT Borrowings
124
89
89
LT Finance Leases
11
11
11
Preferred Equity and Hybrid Capital
- -
- -
- -
Shares Outstanding
33
33
33
Market Capitalization
548
590
624

Working Capital

FRC

in mil. unless spec.
Sep'25
Dec'25
Mar'26
Total Current Assets
- -
- -
- -
Cash, Cash Equivalents & STI
531
576
533
Accounts Receivable, Net
20
19
21
Inventories
- -
- -
- -
Total Current Liabilities
- -
- -
- -
Payables & Accruals
- -
- -
- -
ST Debt
- -
- -
- -
Deferred Revenue
- -
- -
- -

Growth Rates

FRC

in mil. unless spec.

(avg. rate of change)

10 years
5 years
1 year
Total Equity
16.83%
27.78%
9.02%
Free Cash Flow
-56.77%
-120.54%
42.15%
Net Income, GAAP
49.94%
72.61%
35.58%
Sales/Revenue/Turnover
17.31%
29.81%
11.59%
Total Cash Common Dividend
51.13%
23.03%
0.51%

Quarterly Revenue

FRC

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
48
51
51
53
202
2025
53
57
56
59
225
2026
60
- -
- -
- -
- -

Quarterly Earnings Per Share

FRC

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
0.25
0.34
0.34
0.4
1.32
2025
0.41
0.46
0.43
0.48
1.78
2026
0.51
- -
- -
- -
- -

Quarterly Dividends Per Share

FRC

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
0.12
0.12
0.12
0.12
0.48
2025
0.12
0.12
0.12
0.12
0.48
2026
0.12
- -
- -
- -
- -

Company Description

APIChat
CEO
James Burke
Full Time Employees
584
Sector
Financial Services
Industry
Banks - Regional
Address
18 East Dover Street Easton MD United States of America 21601
IPO Date
Apr 9, 2001
Business
Shore Bancshares, Inc. operates as a financial holding company, serving as the parent entity for Shore United Bank, N.A.. The company delivers a comprehensive suite of commercial and consumer banking products and services to individuals, businesses, and various organizations across the Mid-Atlantic region. Its offerings encompass a variety of deposit accounts, including checking, savings, money market, and overnight investment sweep accounts, alongside regular and IRA certificates of deposit, and cash management solutions. Lending products are extensive, covering commercial loans such as secured and unsecured lines of credit, working capital, term loans, accounts receivable financing, real estate acquisition and development, and construction loans. The bank also provides residential real estate construction and mortgage loans, as well as a range of consumer financing options, including home equity, automobile, installment, home improvement, and personal lines of credit. Beyond traditional banking, Shore Bancshares, through its division Wye Financial Partners, provides non-deposit investment products like mutual funds and annuities, along with trust, asset management, and financial planning services. Digital convenience is a priority, with telephone, mobile, and online banking services, merchant credit card processing, remote deposit capture, and ACH origination available to clients. Additional services include safe deposit boxes, debit and credit cards, direct payroll deposit, and access to an extensive ATM network, including over 55,000 surcharge-free Allpoint ATMs worldwide. Headquartered in Easton, Maryland, Shore Bancshares and its subsidiary, Shore United Bank, currently operate 40 full-service branches. These locations span numerous counties in Maryland, including Baltimore, Howard, Kent, Queen Anne's, Caroline, Talbot, Dorchester, Anne Arundel, Worcester, Calvert, St. Mary's, and Charles. Their presence also extends to Kent and Sussex Counties in Delaware, and Fredericksburg City and Spotsylvania County in Virginia. The company, which was founded in 1876, recently completed a $60 million subordinated notes offering in November 2025.

Company News

APIChat
  • Shore Bancshares, Inc. Announces Increased Dividend and $30 Million Stock Repurchase Program

  • Best Value Stocks to Buy for May 13th

  • Shore Bancshares (SHBI) Upgraded to Strong Buy: Here's Why

  • Shore Bancshares (SHBI) Reports Q1 Earnings: What Key Metrics Have to Say

  • Shore Bancshares (SHBI) Q1 Earnings and Revenues Beat Estimates

  • Shore Bancshares, Inc. Reports 2026 First Quarter Results

  • Financial Analysis: Quaint Oak Bancorp (OTCMKTS:QNTO) & Shore Bancshares (NASDAQ:SHBI)

  • Shore Bancshares, Inc. Announces Extension of Exchange Offer for its 6.25% Fixed-to-Floating Rate Subordinated Notes Due 2035

  • Shore Bancshares, Inc. Reports Quarterly Dividend of $0.12 Per Share

  • Shore Bancshares (NASDAQ:SHBI) Hits New 1-Year High on Insider Buying Activity

  • Head to Head Survey: Orange County Bancorp (NASDAQ:OBT) & Shore Bancshares (NASDAQ:SHBI)

  • Shore Bancshares Inc (SHBI) Hits Fresh High: Is There Still Room to Run?

  • Shore Bancshares (SHBI) Upgraded to Buy: Here's What You Should Know

  • Contrasting Blue Foundry Bancorp (NASDAQ:BLFY) and Shore Bancshares (NASDAQ:SHBI)

  • Shore Bancshares (SHBI) Surpasses Q4 Earnings and Revenue Estimates

  • Shore Bancshares (SHBI) to Release Quarterly Earnings on Thursday

  • 58,195 Shares in Shore Bancshares Inc $SHBI Acquired by Assenagon Asset Management S.A.

  • Are Investors Undervaluing Shore Bancshares (SHBI) Right Now?

  • Shore Bancshares Inc (SHBI) Hit a 52 Week High, Can the Run Continue?

  • Shore Bancshares, Inc. Announces Completion of $60 Million Subordinated Notes Offering