What is Shore Bancshares Inc's earnings per share (EPS)?

Shore Bancshares Inc (SHBI) reported diluted earnings per share of $1.78 for fiscal year 2025. This represents a 34.8% change compared to the previous fiscal year. EPS represents the portion of a company's net income allocated to each outstanding share of common stock and is widely used to evaluate profitability on a per-share basis.

Shore Bancshares Inc Financials

SHBI

Source SEC Filings (10-K/10-Q) Updated Dec 31, 2025 Currency USD FYE December

This page shows Shore Bancshares Inc (SHBI) financial statements, including the income statement, balance sheet, cash flow statement, and key financial ratios. View 17 years of annual fundamentals and quarterly data, with year-over-year growth rates and compound annual growth rates (CAGR). All figures are derived from SEC filings (10-K and 10-Q reports).

Financial Health Signals

Financial Profile 66/100

Based on FY2025 annual data. Scores normalized against common benchmarks. How we calculate these scores

Growth

Shore Bancshares Inc's revenue declined 0.3% year-over-year, from $20.9M to $20.9M. This contraction results in a growth score of 33/100.

Leverage

Shore Bancshares Inc carries a low D/E ratio of 0.15, meaning only $0.15 of long-term debt for every $1 of shareholders' equity. This conservative leverage earns a score of 99/100, indicating a strong balance sheet with room for future borrowing.

Cash Flow

100

Shore Bancshares Inc converts 284.0% of revenue into free cash flow ($59.2M). This strong cash generation earns a score of 100/100.

Returns

Shore Bancshares Inc's ROE of 10.1% shows moderate profitability relative to equity, earning a score of 34/100. This is up from 8.1% the prior year.

Piotroski F-Score Neutral

4/9

Shore Bancshares Inc passes 4 of 9 financial strength tests. All 4 profitability signals pass (positive income, cash flow, and earnings quality), no leverage/liquidity signals pass (rising debt, declining liquidity, or share dilution), neither operating efficiency signal passes.

Earnings Quality Cash-Backed

1.05x

For every $1 of reported earnings, Shore Bancshares Inc generates $1.05 in operating cash flow ($62.4M OCF vs $59.5M net income). This indicates profits are well-supported by actual cash generation, not accounting adjustments.

Key Financial Metrics

Export CSV

Earnings & Revenue

Revenue

$20.9M

YoY-0.3%

5Y CAGR+17.8%

10Y CAGR-6.0%

Shore Bancshares Inc generated $20.9M in revenue in fiscal year 2025. This represents a decrease of 0.3% from the prior year.

EBITDA

N/A

Net Income

$59.5M

YoY+35.6%

5Y CAGR+30.5%

10Y CAGR+23.7%

Shore Bancshares Inc reported $59.5M in net income in fiscal year 2025. This represents an increase of 35.6% from the prior year.

EPS (Diluted)

$1.78

YoY+34.8%

5Y CAGR+7.0%

10Y CAGR+12.3%

Shore Bancshares Inc earned $1.78 per diluted share (EPS) in fiscal year 2025. This represents an increase of 34.8% from the prior year.

Cash & Balance Sheet

Free Cash Flow

$59.2M

YoY+42.1%

5Y CAGR+29.8%

10Y CAGR+15.8%

Shore Bancshares Inc generated $59.2M in free cash flow in fiscal year 2025, representing cash available after capex. This represents an increase of 42.1% from the prior year.

Cash & Debt

$355.6M

YoY-22.7%

5Y CAGR+13.7%

10Y CAGR+17.0%

Shore Bancshares Inc held $355.6M in cash against $89.1M in long-term debt as of fiscal year 2025.

Dividends Per Share

$0.48

YoY+0.0%

5Y CAGR+0.0%

10Y CAGR+28.2%

Shore Bancshares Inc paid $0.48 per share in dividends in fiscal year 2025. This represents an increase of 0.0% from the prior year.

Shares Outstanding

33M

YoY+0.2%

5Y CAGR+23.2%

10Y CAGR+10.2%

Shore Bancshares Inc had 33M shares outstanding in fiscal year 2025. This represents an increase of 0.2% from the prior year.

Margins & Returns

Gross Margin

N/A

Operating Margin

N/A

Net Margin

285.4%

YoY+75.5pp

5Y CAGR+114.5pp

10Y CAGR+267.1pp

Shore Bancshares Inc's net profit margin was 285.4% in fiscal year 2025, showing the share of revenue converted to profit. This is up 75.5 percentage points from the prior year.

Return on Equity

10.1%

YoY+2.0pp

5Y CAGR+2.0pp

10Y CAGR+5.3pp

Shore Bancshares Inc's ROE was 10.1% in fiscal year 2025, measuring profit generated per dollar of shareholder equity. This is up 2.0 percentage points from the prior year.

Capital Allocation

R&D Spending

N/A

Share Buybacks

N/A

Capital Expenditures

$3.2M

YoY-39.4%

5Y CAGR+5.9%

10Y CAGR+7.6%

Shore Bancshares Inc invested $3.2M in capex in fiscal year 2025, funding long-term assets and infrastructure. This represents a decrease of 39.4% from the prior year.

SHBI Income Statement

Metric	FY25	FY24	FY23	FY22	FY21	FY20
Revenue	$20.9M-0.3%	$20.9M+14.0%	$18.3M+19.5%	$15.3M+39.4%	$11.0M+19.6%	$9.2M
Cost of Revenue	N/A	N/A	N/A	N/A	N/A	N/A
Gross Profit	N/A	N/A	N/A	N/A	N/A	N/A
R&D Expenses	N/A	N/A	N/A	N/A	N/A	N/A
SG&A Expenses	N/A	N/A	N/A	N/A	N/A	N/A
Operating Income	N/A	N/A	N/A	N/A	N/A	N/A
Interest Expense	$117.7M-5.7%	$124.8M+58.4%	$78.8M+528.0%	$12.5M+107.7%	$6.0M-14.7%	$7.1M
Income Tax	$19.1M+29.3%	$14.8M+401.2%	$3.0M-73.0%	$11.0M+88.6%	$5.8M+9.3%	$5.3M
Net Income	$59.5M+35.6%	$43.9M+290.9%	$11.2M-64.0%	$31.2M+102.9%	$15.4M-2.3%	$15.7M
EPS (Diluted)	$1.78+34.8%	$1.32+214.3%	$0.42-73.2%	$1.57+34.2%	$1.17-7.9%	$1.27

Metric	Q4'25	Q3'25	Q2'25	Q1'25	Q4'24	Q3'24	Q2'24	Q1'24
Revenue	$5.4M+4.7%	$5.1M-10.1%	$5.7M+23.0%	$4.6M-25.3%	$6.2M+31.0%	$4.7M-9.7%	$5.3M+11.5%	$4.7M
Cost of Revenue	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Gross Profit	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
R&D Expenses	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
SG&A Expenses	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Operating Income	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Interest Expense	$29.7M+4.2%	$28.5M-2.8%	$29.4M-2.2%	$30.0M-7.3%	$32.4M+3.1%	$31.4M+1.5%	$31.0M+3.2%	$30.0M
Income Tax	$4.9M+5.5%	$4.6M-9.5%	$5.1M+14.1%	$4.5M-7.5%	$4.9M+28.6%	$3.8M+0.3%	$3.8M+56.1%	$2.4M
Net Income	$15.9M+10.7%	$14.3M-7.5%	$15.5M+12.7%	$13.8M+3.6%	$13.3M+18.7%	$11.2M-0.4%	$11.2M+37.3%	$8.2M
EPS (Diluted)	N/A	$0.43-6.5%	$0.46+12.2%	$0.41	N/A	$0.340.0%	$0.34+36.0%	$0.25

SHBI Balance Sheet

Metric	FY25	FY24	FY23	FY22	FY21	FY20
Total Assets	$6.3B+0.5%	$6.2B+3.7%	$6.0B+72.9%	$3.5B+0.5%	$3.5B+79.0%	$1.9B
Current Assets	N/A	N/A	N/A	N/A	N/A	N/A
Cash & Equivalents	$355.6M-22.7%	$459.9M+23.5%	$372.4M+571.0%	$55.5M-90.5%	$583.6M+212.2%	$186.9M
Inventory	N/A	N/A	N/A	N/A	N/A	N/A
Accounts Receivable	N/A	N/A	N/A	N/A	N/A	N/A
Goodwill	$63.3M0.0%	$63.3M0.0%	$63.3M0.0%	$63.3M-0.2%	$63.4M+262.0%	$17.5M
Total Liabilities	$5.7B-0.4%	$5.7B+3.5%	$5.5B+76.7%	$3.1B+0.1%	$3.1B+78.9%	$1.7B
Current Liabilities	N/A	N/A	N/A	N/A	N/A	N/A
Long-Term Debt	$89.1M+20.8%	$73.7M+1.4%	$72.7M+68.7%	$43.1M	N/A	N/A
Total Equity	$589.9M+9.0%	$541.1M+5.9%	$511.1M+40.3%	$364.3M+3.9%	$350.7M+79.8%	$195.0M
Retained Earnings	$233.6M+22.8%	$190.2M+17.2%	$162.3M-5.4%	$171.6M+14.4%	$150.0M+6.2%	$141.2M

Metric	Q4'25	Q3'25	Q2'25	Q1'25	Q4'24	Q3'24	Q2'24	Q1'24
Total Assets	$6.3B-0.3%	$6.3B+4.0%	$6.0B-2.2%	$6.2B-0.9%	$6.2B+5.3%	$5.9B+0.9%	$5.9B+0.7%	$5.8B
Current Assets	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Cash & Equivalents	$355.6M-14.6%	$416.5M+125.2%	$185.0M-52.4%	$389.0M-15.4%	$459.9M+150.4%	$183.6M+32.2%	$138.9M+21.2%	$114.6M
Inventory	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Accounts Receivable	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Goodwill	$63.3M0.0%	$63.3M0.0%	$63.3M0.0%	$63.3M0.0%	$63.3M0.0%	$63.3M0.0%	$63.3M0.0%	$63.3M
Total Liabilities	$5.7B-0.6%	$5.7B+4.2%	$5.5B-2.7%	$5.6B-1.2%	$5.7B+5.7%	$5.4B+0.8%	$5.3B+0.6%	$5.3B
Current Liabilities	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Long-Term Debt	$89.1M+19.6%	$74.5M+0.3%	$74.2M+0.4%	$74.0M+0.4%	$73.7M-40.3%	$123.5M+0.5%	$122.8M+69.3%	$72.6M
Total Equity	$589.9M+2.2%	$577.2M+2.1%	$565.2M+2.3%	$552.5M+2.1%	$541.1M+1.5%	$533.3M+2.0%	$522.8M+1.5%	$515.2M
Retained Earnings	$233.6M+5.4%	$221.7M+4.9%	$211.4M+5.8%	$199.9M+5.1%	$190.2M+5.1%	$180.9M+4.1%	$173.7M+4.3%	$166.5M

SHBI Cash Flow Statement

Metric	FY25	FY24	FY23	FY22	FY21	FY20
Operating Cash Flow	$62.4M+33.1%	$46.9M+106.4%	$22.7M-56.9%	$52.6M+801.7%	-$7.5M-140.7%	$18.4M
Capital Expenditures	$3.2M-39.4%	$5.2M-12.3%	$6.0M+146.5%	$2.4M-30.0%	$3.5M+45.3%	$2.4M
Free Cash Flow	$59.2M+42.1%	$41.7M+148.6%	$16.8M-66.6%	$50.2M+558.6%	-$11.0M-168.2%	$16.1M
Investing Cash Flow	-$118.3M+12.1%	-$134.5M-178.1%	$172.3M+129.6%	-$581.6M-1622.7%	$38.2M+113.6%	-$280.1M
Financing Cash Flow	-$48.4M-127.6%	$175.1M+43.6%	$121.9M+14929.3%	$811K-99.8%	$366.0M+3.5%	$353.6M
Dividends Paid	$16.1M+0.5%	$16.0M+25.8%	$12.7M+33.6%	$9.5M+44.2%	$6.6M+11.0%	$6.0M
Share Buybacks	N/A	N/A	N/A	N/A	N/A	N/A

Metric	Q4'25	Q3'25	Q2'25	Q1'25	Q4'24	Q3'24	Q2'24	Q1'24
Operating Cash Flow	$8.5M-80.0%	$42.5M+609.4%	-$8.3M-142.1%	$19.8M-39.0%	$32.4M+258.2%	$9.1M+198.6%	$3.0M+27.0%	$2.4M
Capital Expenditures	$677K+15.5%	$586K-33.5%	$881K-14.0%	$1.0M-18.4%	$1.3M+105.7%	$610K-61.5%	$1.6M-10.5%	$1.8M
Free Cash Flow	$7.8M-81.4%	$41.9M+554.3%	-$9.2M-149.1%	$18.8M-39.8%	$31.2M+269.2%	$8.4M+484.1%	$1.4M+135.3%	$614K
Investing Cash Flow	-$34.4M-65.2%	-$20.8M+53.6%	-$44.9M-145.5%	-$18.3M+66.4%	-$54.4M-816.7%	-$5.9M+70.3%	-$20.0M+63.1%	-$54.2M
Financing Cash Flow	-$35.0M-116.7%	$209.9M+239.1%	-$150.8M-108.4%	-$72.4M-124.3%	$298.3M+616.5%	$41.6M+0.8%	$41.3M+120.0%	-$206.1M
Dividends Paid	$4.0M-1.3%	$4.1M+1.2%	$4.0M-0.7%	$4.0M+0.8%	$4.0M-0.5%	$4.0M+0.3%	$4.0M+0.6%	$4.0M
Share Buybacks	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A

SHBI Financial Ratios

Metric	FY25	FY24	FY23	FY22	FY21	FY20
Gross Margin	N/A	N/A	N/A	N/A	N/A	N/A
Operating Margin	N/A	N/A	N/A	N/A	N/A	N/A
Net Margin	285.4%+75.5pp	209.9%+148.7pp	61.2%-142.0pp	203.2%+63.6pp	139.6%-31.3pp	170.9%
Return on Equity	10.1%+2.0pp	8.1%+5.9pp	2.2%-6.4pp	8.6%+4.2pp	4.4%-3.7pp	8.1%
Return on Assets	0.9%+0.2pp	0.7%+0.5pp	0.2%-0.7pp	0.9%+0.5pp	0.4%-0.4pp	0.8%
Current Ratio	N/A	N/A	N/A	N/A	N/A	N/A
Debt-to-Equity	0.15+0.0	0.140.0	0.14+0.0	0.12-8.7	8.87-0.0	8.91
FCF Margin	284.0%+84.7pp	199.3%+107.8pp	91.4%-236.1pp	327.5%+427.0pp	-99.5%-273.9pp	174.4%

Metric	Q4'25	Q3'25	Q2'25	Q1'25	Q4'24	Q3'24	Q2'24	Q1'24
Gross Margin	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Operating Margin	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Net Margin	295.6%+16.1pp	279.6%+7.9pp	271.7%-24.9pp	296.6%+82.7pp	213.9%-22.1pp	236.1%+22.2pp	213.9%+40.1pp	173.8%
Return on Equity	2.7%+0.2pp	2.5%-0.3pp	2.7%+0.3pp	2.5%+0.0pp	2.5%+0.3pp	2.1%-0.0pp	2.1%+0.6pp	1.6%
Return on Assets	0.3%+0.0pp	0.2%-0.0pp	0.3%+0.0pp	0.2%+0.0pp	0.2%+0.0pp	0.2%0.0pp	0.2%+0.1pp	0.1%
Current Ratio	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Debt-to-Equity	0.15+0.0	0.130.0	0.130.0	0.130.0	0.14-0.1	0.230.0	0.23+0.1	0.14
FCF Margin	145.2%-670.9pp	816.1%+977.6pp	-161.5%-565.8pp	404.3%-97.6pp	501.9%+323.9pp	178.1%+150.6pp	27.5%+14.5pp	13.0%

Similar Companies

Washington Tr Bancorp Inc WASH

$637.1M

Farmers National Banc Corp FMNB

$777.8M

Harborone Bancorp Inc HONE

$522.2M

Bar Harbor Bk BHB

$543.3M

Guaranty Bancshares Inc Tex GNTY

$553.2M

Frequently Asked Questions

What is Shore Bancshares Inc's annual revenue?

Shore Bancshares Inc (SHBI) reported $20.9M in total revenue for fiscal year 2025. This represents a -0.3% change compared to the previous fiscal year. Revenue measures the total income earned from the company's primary business operations before any expenses are deducted.

How fast is Shore Bancshares Inc's revenue growing?

Shore Bancshares Inc (SHBI) revenue declined by 0.3% year-over-year, from $20.9M to $20.9M in fiscal year 2025.

Is Shore Bancshares Inc profitable?

Yes, Shore Bancshares Inc (SHBI) reported a net income of $59.5M in fiscal year 2025, with a net profit margin of 285.4%.

How much debt does Shore Bancshares Inc have?

As of fiscal year 2025, Shore Bancshares Inc (SHBI) had $355.6M in cash and equivalents against $89.1M in long-term debt.

What is Shore Bancshares Inc's net profit margin?

Shore Bancshares Inc (SHBI) had a net profit margin of 285.4% in fiscal year 2025, representing the share of revenue converted into profit after all expenses.

Does Shore Bancshares Inc pay dividends?

Yes, Shore Bancshares Inc (SHBI) paid $0.48 per share in dividends during fiscal year 2025.

What is Shore Bancshares Inc's return on equity (ROE)?

Shore Bancshares Inc (SHBI) has a return on equity of 10.1% for fiscal year 2025, measuring how efficiently the company generates profit from shareholder equity.

What is Shore Bancshares Inc's free cash flow?

Shore Bancshares Inc (SHBI) generated $59.2M in free cash flow during fiscal year 2025. This represents a 42.1% change compared to the previous fiscal year. Free cash flow represents the cash a company generates after accounting for capital expenditures, and is widely used to assess financial flexibility and shareholder value.

What is Shore Bancshares Inc's operating cash flow?

Shore Bancshares Inc (SHBI) generated $62.4M in operating cash flow during fiscal year 2025, representing cash generated from core business activities.

What are Shore Bancshares Inc's total assets?

Shore Bancshares Inc (SHBI) had $6.3B in total assets as of fiscal year 2025, including both current and long-term assets.

What are Shore Bancshares Inc's capital expenditures?

Shore Bancshares Inc (SHBI) invested $3.2M in capital expenditures during fiscal year 2025, funding long-term assets and infrastructure.

How many shares does Shore Bancshares Inc have outstanding?

Shore Bancshares Inc (SHBI) had 33M shares outstanding as of fiscal year 2025.

What is Shore Bancshares Inc's debt-to-equity ratio?

Shore Bancshares Inc (SHBI) had a debt-to-equity ratio of 0.15 as of fiscal year 2025, measuring the company's financial leverage by comparing total debt to shareholder equity.

What is Shore Bancshares Inc's return on assets (ROA)?

Shore Bancshares Inc (SHBI) had a return on assets of 0.9% for fiscal year 2025, measuring how efficiently the company uses its assets to generate profit.

What is Shore Bancshares Inc's Piotroski F-Score?

Shore Bancshares Inc (SHBI) has a Piotroski F-Score of 4 out of 9, indicating neutral financial health. The F-Score evaluates nine binary signals across profitability (positive ROA, positive cash flow, improving ROA, earnings quality), leverage (decreasing debt, improving liquidity, no share dilution), and operating efficiency (improving gross margin, improving asset turnover). Scores of 7–9 indicate strong and improving fundamentals. Learn more in our complete guide to financial health indicators.

Are Shore Bancshares Inc's earnings high quality?

Shore Bancshares Inc (SHBI) has an earnings quality ratio of 1.05x, considered cash-backed (high quality). This ratio compares operating cash flow to net income. A ratio above 1.0x means the company generates more cash than its reported earnings, indicating sustainable, cash-backed profits. Ratios below 1.0x suggest earnings rely on accounting accruals rather than actual cash generation. Learn more in our complete guide to financial health indicators.

How financially healthy is Shore Bancshares Inc?

Shore Bancshares Inc (SHBI) scores 66 out of 100 on our Financial Profile, indicating strong overall financial health. This composite score evaluates six dimensions: profitability (operating margin), revenue growth, leverage (debt-to-equity), liquidity (current ratio), cash flow quality (free cash flow margin), and shareholder returns (return on equity). Each dimension is normalized against standard financial benchmarks. Learn more in our complete guide to financial health indicators.