Skip to main content
SHBI logo

SHBI · Shore Bancshares Inc · Financials

Track SHBI — free
$22.85 -0.08 (-0.35%) At close · Oct 21 Earnings today
Market Cap
$765.23M
Shares
33.37M
Volume · Oct 21 139.83K Avg daily vol (3M) 206.17K

Income-statement, balance-sheet and cash-flow figures from SEC filings, plus a debt profile anchored in the latest 10-K and updated by each 10-Q and debt exhibit.

Revenue
$225.07M +11.6%
FY2025 Revenue FY2009–FY2025
Net Income
$59.51M +35.6%
FY2025 Net Income FY2009–FY2025
Diluted EPS
$1.78 +34.8%
FY2025 Diluted EPS FY2009–FY2025
Operating Cash Flow
$62.39M +33.1%
FY2025 Operating Cash Flow FY2009–FY2025

Chart any reported metric, KPI or segment over time — the full statement history lives here

Line Item TTM FY2025 FY2024 FY2023 FY2022 FY2021 FY2020 FY2019 FY2018 FY2017 FY2016 FY2015 FY2014 FY2013 FY2012 FY2011 FY2010 FY2009
$237.01M $225.07M $201.7M $168.47M $124.39M $77.63M $63.35M $60.15M $59.65M $53.89M $54.89M $50.94M $50.82M $52.34M $51.1M $57.08M $60.68M $60.92M
$313.41M $310.03M $295.34M $214.08M $113.85M $70.17M $59.68M $59.77M $55.91M $47.96M $40.65M $38.87M $38.29M $41.35M $45.9M $50.85M $55.46M $58.79M
$204.79M $192.38M $170.55M $135.31M $101.3M $64.13M $52.6M $50.13M $50.64M $45.69M $38.25M $35.53M $34.04M $34.88M $35.34M $39.76M $42.64M $41.38M
$32.22M $32.69M $31.15M $33.16M $23.09M $13.5M $10.75M $10.02M $9.01M $8.2M $16.65M $15.42M $16.78M $17.46M $15.76M $17.32M $18.04M $19.54M
$1.07M $1.1M $1.1M $1.2M $1.3M — — — — — — — — — — — — —
$7.99M $8.59M $9.78M $6.11M $1.99M $734K $533K $605K $866K $231K $131K $133K $201K $296K $392K $512K $515K $515K
— — — — — — — — $353K $272K $505K $291K $658K $1.32M $1.33M — — —
$108.62M $117.65M $124.79M $78.77M $12.54M $6.04M $7.08M $9.64M $5.27M $2.27M $2.4M $3.35M $4.25M $6.48M $10.56M $11.09M $12.82M $17.41M
— — — -$2.17M $0 $2000 $347K — — $5000 $30K $0 $23K $913K $278K — — —
$87.61M $78.66M $58.7M $14.18M $42.14M $21.18M $21.05M $21.89M $21.14M $17.96M $15.9M $11.52M $8.11M -$16.14M -$16.2M -$1.56M -$2.16M $11.69M
$21.42M $19.15M $14.82M $2.96M $10.96M $5.81M $5.32M $5.61M $5.38M $8.73M $6.26M $4.41M $3.06M -$6.5M -$6.57M -$658K -$492K $4.41M
$66.19M $59.51M $43.89M $11.23M $31.18M $15.37M $15.73M $16.2M $25M $11.26M $9.64M $7.11M $5.05M -$9.63M -$9.64M -$897K -$1.67M $7.27M
— 26.44% 21.76% 6.66% 25.06% 19.8% 24.83% 26.93% 41.91% 20.9% 17.56% 13.95% 9.94% -18.41% -18.86% -1.57% -2.75% 11.94%
— — — — — — — — — — — — — — — -$897K -$1.67M $5.4M
$65.7M $62.46M $43.84M $12.76M $22.1M $13.9M $17.05M $19.36M $23.35M $11.17M $8.72M $6.72M $5.8M -$10.78M -$7.24M -$772K -$3.64M $6.04M
USD/shares $1.98 $1.78 $1.32 $0.42 $1.57 $1.17 $1.27 $1.27 $1.96 $0.89 $0.76 $0.56 $0.46 -$1.14 -$1.14 -$0.11 -$0.20 $0.64
USD/shares $1.98 $1.78 $1.32 $0.42 $1.57 $1.17 $1.27 $1.27 $1.96 $0.89 $0.76 $0.56 $0.46 -$1.14 -$1.14 -$0.11 -$0.20 $0.64
shares — 33.39M 33.27M 26.57M 19.85M 13.12M 12.38M 12.73M 12.74M 12.68M 12.65M 12.63M 10.95M 8.46M 8457 8.45M 8442 —
shares — 33.41M 33.29M 26.57M 19.85M 13.12M 12.38M 12.73M 12.75M 12.72M 12.67M 12.64M 10.95M 8.46M 8457 8.45M 8442 —
Italic rows are computed from reported lines — open a row's info icon for its formula. Values reflect the latest filing (restatements included); per-share figures on today's split basis. Click a value for its source filing. TTM: trailing twelve months through the latest reported quarter — flows sum the last four quarters, balances take the latest. 3Y/5Y/10Y columns are trailing CAGR from the newest fiscal year; blank where an endpoint is missing or negative.

Capital Returned to Shareholders

Cash spent on share repurchases and dividends per fiscal year, as reported on the cash-flow statement. Across FY2009–FY2025: $89.68M in dividends.

Debt Profile

Reported borrowing balances, repayment dates and agreement terms, with links to the underlying filings.

Reported debt balances

Each amount keeps its reported scope. Related balance-sheet measures appear under the borrowing they describe.

Reported balanceAs ofAmountSource
Long-term debt, including current maturities 2026-06-30 USD 89,152,000 10-Q filed 2026-08-03
Operating lease liabilities 2026-06-30 USD 10,199,000 10-Q filed 2026-08-03
Instrument and agreement coverage is incomplete. Additional filings are awaiting review.
1 filing has incomplete source or extraction coverage. Verified observations are shown; missing observations do not establish that debt was unchanged.

Covenants

Some sections could not be verified in 1 agreement document. Other restrictions or tests may apply.

Covenant terms have not yet been verified for this profile.

The balance figures do not establish whether covenants apply or whether the company complies with them.

Loans, facilities and notes

6.25% Fixed-to-Floating Rate Subordinated Notes due 2035

Note · Shore Bancshares, Inc.

Reference: 6.25% Fixed-to-Floating Rate Subordinated Notes due 2035

Active
Original principal
USD 60,000,000
Outstanding
—
Commitment
—
Availability
—
Maturity
—

Last reported interest terms: 6.25% Reported 2025-11-13 Later filings may not restate these terms; this does not confirm they still apply.

Covenant terms for this agreement are not yet verified.

Documents and filing history
  1. Issuance · 2025-11-13 Original principal USD 60,000,000 Exact source document Parent 8-K filing · 2025-11-13
    “*Initial Notes*” means the $60,000,000 in aggregate principal amount of the Company’s 6.25% Fixed-to-Floating Rate Subordinated Notes due 2035 issued under this Indenture on the date hereof.
    Issuer evidence: This INDENTURE dated as of November 13, 2025 is between Shore Bancshares, Inc., a Maryland corporation (the “Company”), and UMB Bank, N.A., a national association, as trustee (the “Trustee”).
    Supporting evidence: “*Initial Notes*” means the $60,000,000 in aggregate principal amount of the Company’s 6.25% Fixed-to-Floating Rate Subordinated Notes due 2035 issued under this Indenture on the date hereof.

Price & Valuation

Multiples computed on the strict TTM/EV methodology — today's snapshot against peers, and each ratio recomputed as of past filing dates.

Valuation

EV/Revenue
27.53×
Peer median 14.16×
EV/EBIT
—
P/E (TTM)
11.58×
Peer median 12.07×

Peer medians compare against the 259 similar-size Banks - Regional companies (of 304 listed).

Valuation over time computed as of each quarter's filing date

Revenue Breakdown

Annual revenue as the company disaggregates it in its own XBRL filings. Years a component wasn't reported show a dash.

Share mode is each component's slice of the reported components that year — issuers rarely tag every revenue dollar, so slices need not sum to total revenue.

By Product & Service (USD)

Component FY2025 FY2024 FY2023 FY2022
Product and Service Interchange Income $7,085,000 $6,741,000 $5,714,000 $4,812,000
Deposit Account $6,295,000 $6,149,000 $5,501,000 $5,652,000
Product And Service Noninterest Income Other Operating Income $3,768,000 $4,653,000 $3,512,000 $1,752,000
Product And Service Trust And Investment Management Fee Income $3,705,000 $3,367,000 $3,608,000 $1,784,000
Product and Service Title Company Revenue — — — $1,340,000
Key facts CIK 1035092 CUSIP 825107105 13F (30d) 28 filings 28 filers Visit website Investor relations