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 (SHBI) Financials

SHBI

Trailing 12 months to June 30, 2026

Revenue $237.0M +11.3% YoY

Net Income $66.2M +23.2% YoY

EPS (Diluted) $1.97 +22.4% YoY

Free Cash Flow $87.2M +77.4% YoY

Market Cap $767.6M as of Oct 3, 2026

Price / Sales 3.2x on $237.0M revenue, trailing 12 months to June 30, 2026

Price / Earnings 11.6x on $66.2M net income, trailing 12 months to June 30, 2026

Price / Book 1.2x on $616.1M equity, Q2 FY2026

A multiple compares the market's price with a filed figure; it says what the market pays, not how the business is doing. The market capitalization is the vendor's as of Oct 3, 2026; every other figure is from the SEC filings on this page. Not financial advice.

Source SEC Filings (10-K/10-Q) Latest period Q2 FY2026, ended Jun 30, 2026 Reported Aug 3, 2026 Currency USD FYE December

Newest figures come from the 10-Q for Q2 FY2026, filed Aug 3, 2026. Each column of the statement tables below links to the filing it was taken from, and every filing is listed on the SHBI SEC filings page.

Shore Bancshares Inc (SHBI) reported $237.0M in revenue over the twelve months to Jun 30, 2026, up 11.3% from the prior twelve months. This page shows its income statement, balance sheet, cash flow statement, and key financial ratios. View 15 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).

Rhea AI SHBI FY2025 2026-10-04

Shore Bancshares is converting a larger revenue base into cash while modest asset growth improves returns.

Over FY2023-FY2025, margin recovery accelerated as net margin moved from 6.7% to 26.4%, while overhead grew more slowly than revenue. In FY2025, earnings quality was high: operating cash flow exceeded net income and free cash flow stayed close to it, indicating that profit was not merely accounting accrual.

The bank's balance-sheet expansion was restrained: assets were nearly flat from FY2024 to FY2025 while equity increased. ROA rose from 0.7% to 1.0%, showing improved earnings productivity without a similarly large asset build.

Cash generation now provides more internal funding: after negative operating cash flow in FY2021, it remained positive through FY2025, and free cash flow nearly matched it. That pattern, alongside low capital expenditures relative to cash generation, points to a capital-light operating model in the reported figures rather than heavy reinvestment needs.

Financial Health Signals

Financial Health Score 34/100

Scored as: Banks peer group

Scored against banks for FY2025. Each of the six dimensions is a percentile rank within that peer group; the overall is their average, with missing dimensions counted as zero out of six. A high score means strong standing among peers, not absolute cross-industry strength. How this score is calculated →

Health score ≠ stock price. This rates the quality of Shore Bancshares Inc's business: profitability, growth, balance sheet strength. It doesn't tell you whether the stock is a good buy at today's price. Not financial advice. Use it alongside valuation analysis and your own research.

Earnings

Shore Bancshares Inc earned a return on assets of 0.9% in fiscal year 2025, which is the profit it made on every dollar of assets on its books. This is up from 0.7% the prior year. Earnings ranks banks on that return over three years, and Shore Bancshares Inc scores 36/100 among other banks.

Growth

Shore Bancshares Inc reported revenue of $225.1M in fiscal year 2025, against $201.7M in fiscal year 2024. Growth ranks banks on the three-year path of their net revenue, which is interest income and fee income less the interest they pay out, and Shore Bancshares Inc scores 73/100 among other banks.

Capital

Shore Bancshares Inc funded 9.4% of its assets with shareholders' equity at the end of fiscal year 2025, holding $589.9M of equity against $6.3B of assets. Capital ranks banks on that cushion, and Shore Bancshares Inc scores 23/100 among other banks.

Efficiency

Efficiency measures what a bank spends running itself against the revenue that spending brings in, so a lower ratio is the better one. Shore Bancshares Inc scores 43/100 on it among other banks.

Credit Quality

Not available for Shore Bancshares Inc, and counted as zero in the overall score.

Stability

Shore Bancshares Inc reported net income of $59.5M in fiscal year 2025, against $43.9M in fiscal year 2024. Stability ranks banks on how steady net income has been across five years, and Shore Bancshares Inc scores 31/100 among other banks.

Piotroski F-Score Partial

5/7

Shore Bancshares Inc passes 5 of 7 computable financial strength tests (2 of the nine could not be computed from available data). All 4 profitability signals pass (positive income, cash flow, and earnings quality), no leverage/liquidity signals pass (rising debt, declining liquidity, or share dilution), both operating efficiency signals pass.

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

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Earnings & Revenue

Revenue

$61.7M

YoY+9.2%

QoQ+3.3%

5Y CAGR+29.4%

10Y CAGR+16.5%

Shore Bancshares Inc generated $61.7M in revenue in Q2 2026. This represents an increase of 9.2% from the same quarter a year earlier. Against the prior quarter it is up 3.3%.

Net Income

$18.9M

YoY+21.7%

QoQ+10.4%

5Y CAGR+36.2%

10Y CAGR+23.6%

Shore Bancshares Inc reported $18.9M in net income in Q2 2026. This represents an increase of 21.7% from the same quarter a year earlier. Against the prior quarter it is up 10.4%.

EPS (Diluted)

$0.56

YoY+21.7%

QoQ+9.8%

5Y CAGR+10.5%

Shore Bancshares Inc earned $0.56 per diluted share (EPS) in Q2 2026. This represents an increase of 21.7% from the same quarter a year earlier. Against the prior quarter it is up 9.8%.

EBITDA

Not reported for Q2 2026.

Cash & Balance Sheet

Free Cash Flow

$7.0M

YoY+176.0%

QoQ-77.0%

5Y CAGR+2.1%

10Y CAGR+3.5%

Shore Bancshares Inc generated $7.0M in free cash flow in Q2 2026, representing cash available after capex. This represents an increase of 176.0% from the same quarter a year earlier. Against the prior quarter it is down 77.0%.

Cash & Debt

$257.7M

YoY+39.3%

QoQ-24.4%

5Y CAGR+1.7%

10Y CAGR+15.5%

Shore Bancshares Inc held $257.7M in cash against $89.2M in long-term debt as of Q2 2026.

Dividends Per Share

$0.14

YoY+16.7%

QoQ+16.7%

5Y CAGR+3.1%

10Y CAGR+16.7%

Shore Bancshares Inc paid $0.14 per share in dividends in Q2 2026. This represents an increase of 16.7% from the same quarter a year earlier. Against the prior quarter it is up 16.7%.

Shares Outstanding

33M

YoY-0.1%

QoQ-0.3%

5Y CAGR+23.2%

10Y CAGR+10.2%

Shore Bancshares Inc had 33M shares outstanding in Q2 2026. This represents a decrease of 0.1% from the same quarter a year earlier. Against the prior quarter it is down 0.3%.

Margins & Returns

Net Margin

30.6%

YoY+3.1pp

QoQ+2.0pp

5Y change+6.9pp

10Y change+13.6pp

Shore Bancshares Inc's net profit margin was 30.6% in Q2 2026, showing the share of revenue converted to profit. This is up 3.1 percentage points from the same quarter a year earlier. Against the prior quarter it is up 2.0 percentage points.

Return on Equity

3.1%

YoY+0.3pp

QoQ+0.2pp

5Y change+1.0pp

10Y change+1.6pp

Shore Bancshares Inc's ROE was 3.1% in Q2 2026, measuring profit generated per dollar of shareholder equity. This is up 0.3 percentage points from the same quarter a year earlier. Against the prior quarter it is up 0.2 percentage points.

Gross Margin

Not reported for Q2 2026.

Operating Margin

Not reported for Q2 2026.

Capital Allocation

Capital Expenditures

$567K

YoY-35.6%

QoQ-47.8%

5Y CAGR+11.0%

10Y CAGR+15.5%

Shore Bancshares Inc invested $567K in capex in Q2 2026, funding long-term assets and infrastructure. This represents a decrease of 35.6% from the same quarter a year earlier. Against the prior quarter it is down 47.8%.

R&D Spending

Not reported for Q2 2026.

Share Buybacks

Not reported for Q2 2026.

SHBI Income Statement

Figures in USD, abbreviated K (thousand), M (million), B (billion), T (trillion). Negative values carry a minus sign and red type. Each change compares the year with the year before it, and each quarter with the same quarter a year earlier.

SHBI quarterly income statement

Metric	TTM	FY2510-K	FY2410-K	FY2310-K	FY2210-K	FY2110-K	FY2010-K	FY1910-K	FY1810-K	FY1710-K	FY1610-K	FY1510-K	FY1410-K	FY1310-K	FY1210-K	FY1110-K
Revenue	$237.0M	$225.1M+11.6%	$201.7M+19.7%	$168.5M+35.4%	$124.4M+60.2%	$77.6M+22.5%	$63.3M+5.3%	$60.2M+0.8%	$59.6M+10.7%	$53.9M-1.8%	$54.9M+7.8%	$50.9M+0.2%	$50.8M-2.9%	$52.3M+2.4%	$51.1M-10.5%	$57.1M
SG&A Expenses	$142.6M	$138.0M-0.2%	$138.3M+12.1%	$123.3M+53.5%	$80.3M+41.4%	$56.8M+47.9%	$38.4M+2.2%	$37.6M+2.0%	$36.8M+9.5%	$33.6M-9.4%	$37.1M-0.5%	$37.4M-5.1%	$39.4M-3.3%	$40.7M+2.9%	$39.6M+1.0%	$39.2M
Interest Expense	$108.6M	$117.7M-5.7%	$124.8M+58.4%	$78.8M+528.0%	$12.5M+107.7%	$6.0M-14.7%	$7.1M-26.5%	$9.6M+82.8%	$5.3M+131.9%	$2.3M-5.4%	$2.4M-28.2%	$3.3M-21.2%	$4.2M-34.4%	$6.5M-38.7%	$10.6M-4.7%	$11.1M
Income Tax	$21.4M	$19.1M+29.3%	$14.8M+401.2%	$3.0M-73.0%	$11.0M+88.6%	$5.8M+9.3%	$5.3M-5.2%	$5.6M+4.3%	$5.4M-38.4%	$8.7M+39.5%	$6.3M+42.0%	$4.4M+44.0%	$3.1M+147.1%	-$6.5M+1.0%	-$6.6M-897.7%	-$658K
Net Income	$66.2M	$59.5M+35.6%	$43.9M+290.9%	$11.2M-64.0%	$31.2M+102.9%	$15.4M-2.3%	$15.7M-2.9%	$16.2M-35.2%	$25.0M+122.0%	$11.3M+16.8%	$9.6M+35.6%	$7.1M+40.7%	$5.1M+152.4%	-$9.6M0.0%	-$9.6M-974.5%	-$897K
EPS (Basic)	N/A	$1.78+34.8%	$1.32+214.3%	$0.42-73.2%	$1.57+34.2%	$1.17-7.9%	$1.270.0%	$1.27-35.2%	$1.96+120.2%	$0.89+17.1%	$0.76+35.7%	$0.56+21.7%	$0.46+140.4%	-$1.140.0%	-$1.14-936.4%	-$0.11
EPS (Diluted)	$1.97	$1.78+34.8%	$1.32+214.3%	$0.42-73.2%	$1.57	$1.17-7.9%	$1.270.0%	$1.27-35.2%	$1.96+120.2%	$0.89+17.1%	$0.76+35.7%	$0.56+21.7%	$0.46+140.4%	-$1.140.0%	-$1.14-936.4%	-$0.11
Diluted Shares (Avg)	N/A	33M+0.4%	33M+25.3%	27M+33.9%	20M	13M+6.0%	12M-2.7%	13M-0.2%	13M+0.3%	13M+0.4%	13M+0.2%	13M+15.4%	11M+29.5%	8M+99947.3%	8,457-99.9%	8M

Metric	Q2'2610-Q	Q1'2610-Q	Q4'2510-Q	Q3'2510-Q	Q2'2510-Q	Q1'2510-Q	Q4'2410-K	Q3'2410-Q
Revenue	$61.7M+9.2%	$59.8M+12.8%	$59.1M+11.8%	$56.4M+11.5%	$56.6M+11.8%	$53.0M+11.2%	$52.9M+7.7%	$50.5M-16.6%
SG&A Expenses	$35.7M+3.7%	$37.1M+9.8%	$35.5M+4.6%	$34.4M+0.8%	$34.4M+2.7%	$33.7M-8.0%	$33.9M+0.8%	$34.1M-27.7%
Interest Expense	$24.5M-16.5%	$25.8M-14.0%	$29.7M-8.3%	$28.5M-9.2%	$29.4M-5.2%	$30.0M+0.1%	$32.4M+9.4%	$31.4M+22.6%
Income Tax	$6.3M+23.3%	$5.6M+24.0%	$4.9M+0.7%	$4.6M+22.8%	$5.1M+36.1%	$4.5M+86.2%	$4.9M+21.0%	$3.8M+175.7%
Net Income	$18.9M+21.7%	$17.1M+24.1%	$15.9M+19.6%	$14.3M+28.2%	$15.5M+38.0%	$13.8M+68.2%	$13.3M+26.6%	$11.2M+214.9%
EPS (Basic)	$0.56+21.7%	$0.51+24.4%	$0.47+17.5%	$0.43+26.5%	$0.46+35.3%	$0.41+64.0%	$0.40+2.6%	$0.34+217.2%
EPS (Diluted)	$0.56+21.7%	$0.51+24.4%	$0.47+17.5%	$0.43+26.5%	$0.46+35.3%	$0.41+64.0%	$0.40+2.6%	$0.34+217.2%
Diluted Shares (Avg)	33M+0.3%	33M+0.2%	N/A	33M+0.3%	33M+0.5%	33M+0.6%	N/A	33M+0.6%

Not reported in any period shown, so not listed: Cost of Revenue, Gross Profit, R&D Expenses, Operating Income, EBITDA.

SHBI Balance Sheet

SHBI quarterly balance sheet

Metric	FY2510-K	FY2410-K	FY2310-K	FY2210-K	FY2110-K	FY2010-K	FY1910-K	FY1810-K	FY1710-K	FY1610-K	FY1510-K	FY1410-K	FY1310-K	FY1210-K	FY1110-K
Total Assets	$6.3B+0.5%	$6.2B+3.7%	$6.0B+72.9%	$3.5B+0.5%	$3.5B+79.0%	$1.9B+24.0%	$1.6B+5.1%	$1.5B+6.4%	$1.4B+20.1%	$1.2B+2.2%	$1.1B+3.2%	$1.1B+4.4%	$1.1B-11.1%	$1.2B+2.4%	$1.2B
Cash & Equivalents	$355.6M-22.7%	$459.9M+23.5%	$372.4M+571.0%	$55.5M-90.5%	$583.6M+212.2%	$186.9M+96.8%	$95.0M+41.3%	$67.2M+111.3%	$31.8M-58.1%	$75.9M+2.9%	$73.8M-23.3%	$96.2M-26.6%	$131.1M-34.5%	$200.2M+56.7%	$127.7M
Short-Term Investments	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0
Long-Term Investments	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0
Goodwill	$63.3M0.0%	$63.3M0.0%	$63.3M0.0%	$63.3M-0.2%	$63.4M+262.0%	$17.5M0.0%	$17.5M0.0%	$17.5M0.0%	$17.5M+46.8%	$11.9M0.0%	$11.9M0.0%	$11.9M-4.2%	$12.5M0.0%	$12.5M0.0%	$12.5M
Total Liabilities	$5.7B-0.4%	$5.7B+3.5%	$5.5B+76.7%	$3.1B+0.1%	$3.1B+78.9%	$1.7B+27.2%	$1.4B+5.1%	$1.3B+5.7%	$1.2B+22.3%	$1.0B+1.8%	$988.2M+2.9%	$959.9M+1.0%	$950.8M-11.3%	$1.1B+3.4%	$1.0B
Long-Term Debt	$89.1M+20.8%	$73.7M+1.4%	$72.7M+68.7%	$43.1M	N/A	N/A	$15.0M0.0%	$15.0M	N/A	N/A	N/A	N/A	N/A	$0-100.0%	$455K
Total Equity	$589.9M+9.0%	$541.1M+5.9%	$511.1M+40.3%	$364.3M+3.9%	$350.7M+79.8%	$195.0M+1.1%	$192.8M+5.2%	$183.2M+11.9%	$163.7M+6.1%	$154.3M+5.0%	$147.0M+4.6%	$140.5M+36.0%	$103.3M-9.4%	$114.0M-6.0%	$121.2M
Retained Earnings	$233.6M+22.8%	$190.2M+17.2%	$162.3M-5.4%	$171.6M+14.4%	$150.0M+6.2%	$141.2M+7.4%	$131.4M+9.0%	$120.6M+21.0%	$99.7M+9.6%	$91.0M+9.5%	$83.1M+8.6%	$76.5M+7.1%	$71.4M-11.9%	$81.1M-10.7%	$90.8M

Metric	Q2'2610-Q	Q1'2610-Q	Q4'2510-Q	Q3'2510-Q	Q2'2510-Q	Q1'2510-Q	Q4'2410-K	Q3'2410-Q
Total Assets	$6.2B+1.9%	$6.2B+0.5%	$6.3B+0.5%	$6.3B+6.1%	$6.0B+3.0%	$6.2B+6.0%	$6.2B+3.7%	$5.9B+3.7%
Cash & Equivalents	$257.7M+39.3%	$340.8M-12.4%	$355.6M-22.7%	$416.5M+126.8%	$185.0M+33.2%	$389.0M+239.6%	$459.9M+23.5%	$183.6M+68.9%
Short-Term Investments	$0	$0	$0	$0	$0	$0	$0	$0
Long-Term Investments	$0	$0	$0	$0	$0	$0	$0	$0
Goodwill	$63.3M0.0%	$63.3M0.0%	$63.3M0.0%	$63.3M0.0%	$63.3M0.0%	$63.3M0.0%	$63.3M0.0%	$63.3M0.0%
Total Liabilities	$5.5B+1.1%	$5.6B-0.4%	$5.7B-0.4%	$5.7B+5.9%	$5.5B+2.5%	$5.6B+5.9%	$5.7B+3.5%	$5.4B+3.5%
Long-Term Debt	$89.2M+20.1%	$89.0M+20.3%	$89.1M+20.8%	$74.5M-39.7%	$74.2M-39.6%	$74.0M+2.0%	$73.7M+1.4%	$123.5M+71.4%
Total Equity	$616.1M+9.0%	$602.7M+9.1%	$589.9M+9.0%	$577.2M+8.2%	$565.2M+8.1%	$552.5M+7.2%	$541.1M+5.9%	$533.3M+6.3%
Retained Earnings	$260.8M+23.4%	$246.6M+23.4%	$233.6M+22.8%	$221.7M+22.6%	$211.4M+21.7%	$199.9M+20.1%	$190.2M+17.2%	$180.9M+16.1%

Not reported in any period shown, so not listed: Current Assets, Inventory, Accounts Receivable, Current Liabilities, Non-Current Liabilities.

SHBI Cash Flow Statement

SHBI quarterly cash flow statement

Metric	TTM	FY2510-K	FY2410-K	FY2310-K	FY2210-K	FY2110-K	FY2010-K	FY1910-K	FY1810-K	FY1710-K	FY1610-K	FY1510-K	FY1410-K	FY1310-K	FY1210-K	FY1110-K
Operating Cash Flow	$90.1M	$62.4M+33.1%	$46.9M+106.4%	$22.7M-56.9%	$52.6M+801.7%	-$7.5M-140.7%	$18.4M+34.1%	$13.7M-24.9%	$18.3M-6.3%	$19.5M+2.6%	$19.0M+25.8%	$15.1M+14.7%	$13.2M-33.6%	$19.8M-7.2%	$21.4M-2.5%	$21.9M
Depreciation & Amortization	N/A	$13.0M-8.4%	$14.2M+50.8%	$9.4M+114.3%	$4.4M+96.4%	$2.2M+28.9%	$1.7M+1.6%	$1.7M-8.6%	$1.9M+51.6%	$1.2M+8.8%	$1.1M+8.2%	$1.0M-2.2%	$1.1M-13.3%	$1.2M-17.4%	$1.5M-1.1%	$1.5M
Stock-Based Compensation	N/A	$1.9M+9.2%	$1.7M+47.4%	$1.2M+84.6%	$636K+68.3%	$378K+43.7%	$263K+76.5%	$149K-66.7%	$447K-57.6%	$1.1M+215.9%	$334K+18.0%	$283K+225.3%	$87K+11.5%	$78K-62.7%	$209K-38.2%	$338K
Capital Expenditures	$2.9M	$3.2M-39.4%	$5.2M-12.3%	$6.0M+146.5%	$2.4M-30.0%	$3.5M+45.3%	$2.4M+5.8%	$2.2M+98.1%	$1.1M-10.0%	$1.3M+80.1%	$699K-54.0%	$1.5M-26.9%	$2.1M+281.1%	$545K-75.2%	$2.2M+81.1%	$1.2M
Free Cash Flow	$87.2M	$59.2M+42.1%	$41.7M+148.6%	$16.8M-66.6%	$50.2M+558.6%	-$11.0M-168.2%	$16.1M+39.6%	$11.5M-33.0%	$17.2M-6.0%	$18.3M-0.3%	$18.3M+34.7%	$13.6M+22.5%	$11.1M-42.5%	$19.3M+0.6%	$19.2M-7.4%	$20.7M
Investing Cash Flow	-$47.9M	-$118.3M+12.1%	-$134.5M-178.1%	$172.3M+129.6%	-$581.6M-1622.7%	$38.2M+113.6%	-$280.1M-513.2%	-$45.7M-7.6%	-$42.5M+41.3%	-$72.3M-114.3%	-$33.7M+48.4%	-$65.3M	N/A	N/A	$16.2M+621.3%	-$3.1M
Financing Cash Flow	$30.5M	-$48.4M-127.6%	$175.1M+43.6%	$121.9M+14929.3%	$811K-99.8%	$366.0M+3.5%	$353.6M+492.5%	$59.7M+0.2%	$59.6M+587.6%	$8.7M-48.6%	$16.8M-39.5%	$27.8M	N/A	N/A	$34.9M+12.6%	$31.0M
Dividends Paid	$16.8M	$16.1M+0.5%	$16.0M+25.8%	$12.7M+33.6%	$9.5M+44.2%	$6.6M+11.0%	$6.0M+11.3%	$5.3M+31.1%	$4.1M+46.2%	$2.8M+57.5%	$1.8M+250.0%	$506K	$0	$0-100.0%	$85K-88.8%	$760K

Metric	Q2'2610-Q	Q1'2610-Q	Q4'2510-Q	Q3'2510-Q	Q2'2510-Q	Q1'2510-Q	Q4'2410-K	Q3'2410-Q
Operating Cash Flow	$7.6M+190.8%	$31.6M+59.6%	$8.5M-73.8%	$42.5M+369.2%	-$8.3M-375.1%	$19.8M+728.8%	$32.4M-10.1%	$9.1M+137.7%
Stock-Based Compensation	N/A	$913K+78.7%	N/A	N/A	N/A	$511K+44.4%	N/A	N/A
Capital Expenditures	$567K-35.6%	$1.1M+6.2%	$677K-46.1%	$586K-3.9%	$881K-44.5%	$1.0M-42.2%	$1.3M-45.4%	$610K-67.7%
Free Cash Flow	$7.0M+176.0%	$30.5M+62.5%	$7.8M-75.0%	$41.9M+396.2%	-$9.2M-737.9%	$18.8M+2955.2%	$31.2M-7.7%	$8.4M+132.6%
Investing Cash Flow	-$23.2M+48.4%	$30.4M+266.4%	-$34.4M+36.9%	-$20.8M-250.4%	-$44.9M-124.2%	-$18.3M+66.3%	-$54.4M-23.1%	-$5.9M-101.5%
Financing Cash Flow	-$67.6M+55.2%	-$76.7M-6.0%	-$35.0M-111.7%	$209.9M+404.2%	-$150.8M-465.2%	-$72.4M+64.9%	$298.3M+9.7%	$41.6M+113.5%
Dividends Paid	$4.7M+17.8%	$4.0M0.0%	$4.0M+0.1%	$4.1M+0.8%	$4.0M-0.1%	$4.0M+1.2%	$4.0M+0.5%	$4.0M+1.1%

Not reported in any period shown, so not listed: Depreciation & Amortization, Share Buybacks.

SHBI Financial Ratios

Margins and returns are percentages; the remaining ratios are unitless multiples. Each change compares the year with the year before it, and each quarter with the same quarter a year earlier.

SHBI quarterly financial ratios

Metric	FY2510-K	FY2410-K	FY2310-K	FY2210-K	FY2110-K	FY2010-K	FY1910-K	FY1810-K	FY1710-K	FY1610-K	FY1510-K	FY1410-K	FY1310-K	FY1210-K	FY1110-K
Net Margin	26.4%+4.7pp	21.8%+15.1pp	6.7%-18.4pp	25.1%+5.3pp	19.8%-5.0pp	24.8%-2.1pp	26.9%-15.0pp	41.9%+21.0pp	20.9%+3.3pp	17.6%+3.6pp	14.0%+4.0pp	9.9%+28.4pp	-18.4%+0.4pp	-18.9%-17.3pp	-1.6%
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%-0.3pp	8.4%-5.3pp	13.7%+6.8pp	6.9%+0.6pp	6.3%+1.4pp	4.8%+1.2pp	3.6%+12.9pp	-9.3%-0.9pp	-8.5%-7.7pp	-0.7%
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%-0.2pp	1.0%-0.6pp	1.7%+0.9pp	0.8%0.0pp	0.8%+0.2pp	0.6%+0.2pp	0.5%+1.4pp	-0.9%-0.1pp	-0.8%-0.7pp	-0.1%
Debt-to-Equity	0.150.0x	0.140.0x	0.140.0x	0.12-8.7x	8.870.0x	8.91+8.8x	0.080.0x	0.08-7.4x	7.51+1.0x	6.52-0.2x	6.72-0.1x	6.83-2.4x	9.20+9.2x	0.000.0x	0.00
Asset Turnover	0.040.0x	0.030.0x	0.030.0x	0.040.0x	0.020.0x	0.030.0x	0.040.0x	0.040.0x	0.040.0x	0.050.0x	0.040.0x	0.050.0x	0.050.0x	0.040.0x	0.05
FCF Margin	26.3%+5.6pp	20.7%+10.7pp	10.0%-30.4pp	40.4%+54.5pp	-14.1%-39.5pp	25.3%+6.2pp	19.1%-9.7pp	28.8%-5.1pp	33.9%+0.5pp	33.4%+6.7pp	26.7%+4.9pp	21.8%-15.0pp	36.9%-0.7pp	37.5%+1.3pp	36.3%

Metric	Q2'2610-Q	Q1'2610-Q	Q4'2510-Q	Q3'2510-Q	Q2'2510-Q	Q1'2510-Q	Q4'2410-K	Q3'2410-Q
Net Margin	30.6%+3.1pp	28.6%+2.6pp	26.9%+1.8pp	25.5%+3.3pp	27.4%+5.2pp	25.9%+8.8pp	25.1%+3.7pp	22.1%+38.2pp
Return on Equity	3.1%+0.3pp	2.8%+0.4pp	2.7%+0.2pp	2.5%+0.4pp	2.7%+0.6pp	2.5%+0.9pp	2.5%+0.4pp	2.1%+4.0pp
Return on Assets	0.3%+0.1pp	0.3%+0.1pp	0.3%0.0pp	0.2%0.0pp	0.3%+0.1pp	0.2%+0.1pp	0.2%0.0pp	0.2%+0.4pp
Debt-to-Equity	0.140.0x	0.150.0x	0.150.0x	0.13-0.1x	0.13-0.1x	0.130.0x	0.140.0x	0.23+0.1x
Asset Turnover	0.010.0x	0.010.0x	0.010.0x	0.010.0x	0.010.0x	0.010.0x	0.010.0x	0.010.0x
FCF Margin	11.3%+27.7pp	51.0%+15.6pp	13.2%-45.8pp	74.3%+57.6pp	-16.3%-19.2pp	35.4%+34.1pp	59.0%-9.9pp	16.7%+59.4pp

Not reported in any period shown, so not listed: Gross Margin, Operating Margin, Current Ratio.

Similar Companies

Newest fiscal year on record for each company. The health score is the peer-relative Financial Health Score for that year; a dash means no score is published for it.

Company	Fiscal year	Revenue	Net income	Net margin	Market cap	Health score
Shore Bancshares Inc SHBI	FY2025	$225.1M	$59.5M	26.4%	$767.6M	34/100
Washington Trust Bancorp Inc WASH	FY2025	$229.0M	$52.2M	22.8%	$733.6M	30/100
Farmers National Banc Corp FMNB	FY2025	$279.9M	$54.6M	19.5%	$908.9M	50/100
HarborOne Bancorp, Inc. HONE	FY2024	$172.6M	$27.4M	15.9%	$522.2M	30/100
Bar Harbor Bankshares BHB	FY2025	$168.9M	$36.9M	21.9%	$661.4M	47/100
Guaranty Bancshares, Inc. GNTY	FY2024	$118.6M	$31.5M	26.6%	$553.2M	37/100

Where Shore Bancshares Inc Ranks

Frequently Asked Questions

What is Shore Bancshares Inc's annual revenue?

Shore Bancshares Inc (SHBI) reported $225.1M in total revenue for fiscal year 2025. This represents a 11.6% 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 grew by 11.6% year-over-year, from $201.7M to $225.1M 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 26.4%.

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 26.4% 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 P/E ratio?

Shore Bancshares Inc (SHBI) trades at 11.6x earnings, its market capitalization divided by net income of $66.2M net income, trailing 12 months to June 30, 2026. The market capitalization is $767.6M as of Oct 3, 2026; a multiple compares that price with a filed figure and says nothing about the quality of the business.

What is Shore Bancshares Inc's price-to-sales ratio?

Shore Bancshares Inc (SHBI) trades at 3.2x sales, its market capitalization divided by revenue of $237.0M revenue, trailing 12 months to June 30, 2026. The market capitalization is $767.6M as of Oct 3, 2026; a multiple compares that price with a filed figure and says nothing about the quality of the business.

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

Shore Bancshares Inc (SHBI) has a Piotroski F-Score of 5 out of 7 computable signals; 2 of the nine could not be computed from available data, so the full-scale strength rating is not shown. 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 to 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 34 out of 100 on our Financial Health Score, indicating weak standing within its banks peer group. The score is a 0-100 composite of six dimensions (Earnings, Growth, Capital, Efficiency, Credit Quality, Stability), each ranked as a percentile relative to companies in the same scoring family (banks against banks, REITs against REITs, and so on) rather than across all industries. It rates the quality of the business, not whether the stock is fairly priced, and is not financial advice. Learn more in our complete guide to financial health indicators.