SHBI

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Shore Bancshares, Inc.

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Key Metrics

Previous Close: $23.04
52-Week Range: $14.93 – $24.89
Market Cap: $772.23M
P/E (TTM): 11.75
EPS (TTM): 1.97
Dividend Yield: 2.43%

Advanced Metrics

Price/Book: 1.26
PEG Ratio: 1.17
Return on Equity: 11.21%
Return on Assets: 1.09%
Gross Margin: 0.00%
Operating Margin: 46.46%
Profit Margin: 28.75%
Current Ratio: —
Debt/Equity: —
Total Debt: $99.47M
Free Cash Flow: —
Revenue Growth: 10.60%
Earnings Growth: 21.70%
Enterprise Value: $610.43M

SHBI Income statement, annual periods, in USD
USD	FY2022	FY2023	FY2024	FY2025
Revenue	$124.39M	$159.65M	$201.70M	$225.06M
Selling, General & Admin	$48.10M	$61.57M	$72.31M	$76.48M
Pretax Income	$42.14M	$14.18M	$58.70M	$78.66M
Income Tax	$10.96M	$2.96M	$14.81M	$19.15M
Net Income	$31.18M	$11.23M	$43.89M	$59.51M
Diluted EPS	1.57	0.42	1.32	1.78
Diluted Shares	19.85M	26.66M	33.28M	33.41M

SHBI Balance Sheet statement, annual periods, in USD
USD	FY2022	FY2023	FY2024	FY2025
Cash & Equivalents	$55.50M	$372.41M	$459.85M	$355.57M
Receivables	$9.38M	$19.22M	$19.57M	$18.55M
Total Assets	$3.48B	$6.01B	$6.23B	$6.26B
Long-Term Debt	$43.07M	$72.67M	$123.72M	$89.06M
Total Debt	$92.98M	$85.53M	$135.56M	$100.09M
Total Liabilities	$3.11B	$5.50B	$5.69B	$5.67B
Retained Earnings	$171.61M	$162.29M	$190.17M	$233.58M
Shareholders' Equity	$364.29M	$511.13M	$541.07M	$589.87M
Net Debt	$27.57M	—	—	—

SHBI Cash Flow statement, annual periods, in USD
USD	FY2022	FY2023	FY2024	FY2025
Operating Cash Flow	$52.65M	$22.71M	$46.89M	$62.39M
Capital Expenditure	-$2.42M	-$5.95M	-$5.22M	-$3.17M
Free Cash Flow	$50.23M	$16.76M	$41.66M	$59.22M
Depreciation & Amortisation	$5.86M	$10.94M	$16.04M	$15.33M
Stock-Based Compensation	$636.00K	$1.17M	$1.73M	$1.89M
Investing Cash Flow	-$581.57M	$172.31M	-$134.54M	-$118.32M
Financing Cash Flow	$811.00K	$121.89M	$175.09M	-$48.35M
Dividends Paid	-$9.53M	-$12.73M	-$16.01M	-$16.09M
Share Repurchases	$0.00	—	—	—
Net Change in Cash	-$528.11M	$316.91M	$87.44M	-$104.28M

SHBI Income statement, quarterly periods, in USD
USD	Q2 2025	Q3 2025	Q4 2025	Q1 2026	Q2 2026
Revenue	$56.57M	$56.36M	$59.11M	$59.80M	—
Selling, General & Admin	$18.98M	$19.75M	$19.86M	$20.95M	—
Pretax Income	$20.63M	$18.98M	$20.78M	$22.66M	—
Income Tax	$5.13M	$4.64M	$4.89M	$5.57M	—
Net Income	$15.51M	$14.35M	$15.89M	$17.09M	—
Diluted EPS	0.46	0.43	0.48	0.51	0.56
Diluted Shares	33.39M	33.44M	33.45M	33.45M	33.48M

SHBI Balance Sheet statement, quarterly periods, in USD
USD	Q2 2025	Q3 2025	Q4 2025	Q1 2026	Q2 2026
Cash & Equivalents	$389.01M	$184.98M	$416.51M	$355.57M	$340.82M
Receivables	$20.55M	$19.82M	$20.41M	$18.55M	$20.68M
Total Assets	$6.18B	$6.04B	$6.28B	$6.26B	$6.21B
Long-Term Debt	$123.98M	$124.24M	$124.49M	$89.06M	$89.03M
Total Debt	$136.16M	$135.78M	$135.89M	$100.09M	$99.64M
Total Liabilities	$5.62B	$5.47B	$5.70B	$5.67B	$5.60B
Retained Earnings	$199.90M	$211.40M	$221.69M	$233.58M	$246.64M
Shareholders' Equity	$552.47M	$565.19M	$577.21M	$589.87M	$602.71M

SHBI Cash Flow statement, quarterly periods, in USD
USD	Q2 2025	Q3 2025	Q4 2025	Q1 2026	Q2 2026
Operating Cash Flow	$19.78M	-$8.34M	$42.47M	$8.48M	$31.57M
Capital Expenditure	-$1.02M	-$881.00K	-$586.00K	-$677.00K	-$1.09M
Free Cash Flow	$18.76M	-$9.22M	$41.88M	$7.80M	$30.49M
Depreciation & Amortisation	$4.08M	$4.05M	$3.62M	$3.59M	$3.58M
Stock-Based Compensation	$511.00K	$459.00K	$387.00K	$533.00K	$913.00K
Investing Cash Flow	-$18.27M	-$44.86M	-$20.81M	-$34.38M	$30.41M
Financing Cash Flow	-$72.36M	-$150.83M	$209.87M	-$35.04M	-$76.73M
Dividends Paid	-$4.03M	-$4.00M	-$4.05M	-$4.00M	-$4.03M
Net Change in Cash	-$70.84M	-$204.02M	$231.53M	-$60.95M	-$14.74M

Market Snapshot

About

Shore Bancshares, Inc. is the bank holding company for Shore United Bank, serving customers on the Eastern Shore of Maryland and Virginia. The company provides commercial and retail banking services including loans, deposits, and wealth management. Shore Bancshares focuses on community banking with a strong regional presence.