SHORE BANCSHARES INC

SHBI

SHORE BANCSHARES INC

SHBI

Insider Sentiment (TTM):

Last Purchase:2026-05-26Last Sale:2026-03-02Shares Purchased (TTM):12,875Shares Sold (TTM):1,802

Institutional Sentiment:

As of:2026-03-31Institutional Shares Owned:21,548,701Shares Outstanding:33,428,444Institutional Ownership Pct.:64.46%

Earnings Market Reaction:

Filing Date:2026-08-03Price on Filing Date:N/APrevious Close:N/A% Change:N/A

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Financial Statements

10‑Q10‑K

Values in Millions ($)	2026-06-30	2026-03-31	2025-12-31	2025-09-30	2025-06-30	2025-03-31	2024-12-31	2024-09-30	2024-06-30	2024-03-31	2023-12-31	2023-09-30
Cash And Due From Banks	53	44	50	62	55	47	44	52	50	43	63	68
Interest Bearing Deposits In Banks	204	297	305	354	130	342	416	131	89	71	309	41
Cash And Cash Equivalents At Carrying Value	258	341	356	417	185	389	460	184	139	115	372	109
Marketable Securities
Debt Securities Available For Sale Excluding Accru…	287	264	220	182	188	179	149	133	132	179	111	79
Debt Securities Held To Maturity Excluding Accrued…	366	394	415	433	459	470	481	485	499	504	513	523
Equity Securities Fv Ni	-	-	-	-	-	6	6	6	6	6	6	5
Equity Securities Fv Ni Current And Noncurrent	6	6	6	6	6	-	6	-	-	-	-	-
Debt Securities Available For Sale Restricted	18	18	18	20	20	20	20	20	22	18	18	13
Loans Held For Sale Fair Value Disclosure	31	24	33	22	34	16	20	27	28	14	9	15
Assets
Assets	6,151	6,206	6,259	6,278	6,038	6,177	6,231	5,918	5,864	5,826	6,011	5,705
Financing Receivable Excluding Accrued Interest Be…	-	4,848	4,900	4,883	4,828	4,777	4,772	4,734	4,706	-	4,641	-
Financing Receivable Allowance For Credit Loss Exc…	-	-58	-59	-60	-58	-58	-58	-59	-58	-57	-57	-57
Financing Receivable Excluding Accrued Interest Af…	-	4,790	4,841	4,823	4,769	4,719	4,714	4,675	4,647	4,591	4,584	4,561
Property Plant And Equipment Net	80	80	80	81	81	82	82	82	82	83	82	81
Goodwill	63	63	63	63	63	63	63	63	63	63	63	63
Finite Lived Intangible Assets Net	26	28	30	32	34	36	38	41	43	46	48	51
Other Real Estate And Foreclosed Assets	-	-	-	-	-	-	-	-	-	-	0	0
Other Real Estate	-	-	-	-	-	-	-	0	0	0	-	-
Foreclosed Assets	-	-	-	-	-	-	-	0	2	2	-	-
Assets Held For Sale Not Part Of Disposal Group	-	-	-	-	-	-	-	1	1	-	-	-
Servicing Asset	-	-	-	5	5	6	6	5	6	6	6	6
Operating Lease Right Of Use Asset	10	10	11	11	11	12	11	11	12	12	12	13
Cash Surrender Value Of Life Insurance	108	107	106	105	106	105	104	104	103	102	102	101
Interest Receivable	20	21	19	20	20	21	20	20	20	20	19	16
Deferred Income Tax Assets Net	31	30	30	30	31	31	32	32	36	39	41	45
Other Assets	29	31	32	28	25	22	30	28	24	26	25	24
Liabilities
Liabilities And Stockhold…
Noninterest Bearing Deposit Liabilities	1,607	1,567	1,588	1,594	1,575	1,565	1,563	1,571	1,587	1,201	1,258	1,211
Interest Bearing Deposit Liabilities	-	-	-	-	-	-	-	3,654	3,562	3,984	4,128	3,897
Deposits
Deposits	5,400	5,462	5,534	5,528	5,314	5,460	5,528	5,226	5,149	5,184	5,386	5,109
Interest Bearing Domestic Deposit Checking	834	813	853	852	763	852	978	-	-	-	1,166	-
Interest Bearing Domestic Deposit Money Market	1,711	1,796	1,815	1,790	1,691	1,801	1,806	-	-	-	1,778	-
Interest Bearing Domestic Deposit Time Deposits	1,248	1,275	1,267	1,281	1,273	1,242	1,182	-	-	-	1,185	-
Interest Bearing Domestic Deposit Brokered	1	11	11	11	11	-	0	-	-	-	-	-
Federal Home Loan Bank Advances Maturities Summary…	-	-	-	-	-	-	-	-	31	-	0	0
Federal Home Loan Bank Advances Long Term	-	-	0	50	50	50	50	50	50	-	0	-
Junior Subordinated Debenture Owed To Unconsolidat…	30	30	30	30	30	30	30	30	29	29	30	29
Subordinated Debt	59	59	59	44	44	44	44	44	44	43	43	43
Operating Lease Liability	10	11	11	11	12	12	12	12	12	13	13	13
Other Liabilities	36	42	35	37	23	28	26	23	26	41	28	10
Liabilities	5,535	5,603	5,669	5,701	5,473	5,624	5,690	5,384	5,341	5,310	5,500	5,204
Common Stock Value	0	0	0	0	0	0	0	0	0	0	0	0
Additional Paid In Capital Common Stock	361	361	361	360	359	359	358	358	357	356	356	356
Stockholders Equity
Stockholders Equity	616	603	590	577	565	552	541	533	523	515	511	502
Retained Earnings Accumulated Deficit	261	247	234	222	211	200	190	181	174	166	162	156
Accumulated Other Comprehensive Income Loss Net Of…	-6	-5	-5	-5	-6	-6	-8	-6	-8	-8	-7	-10
Liabilities And Stockholders Equity	6,151	6,206	6,259	6,278	6,038	6,177	6,231	5,918	5,864	5,826	6,011	5,705
Debt Securities Available For Sale Amortized Cost …	296	271	227	188	195	188	160	141	143	191	121	93
Debt Securities Held To Maturity Allowance For Cre…	0	0	0	0	0	0	0	0	0	0	0	0
Held To Maturity Securities Fair Value	329	356	378	394	415	421	425	440	440	444	458	446
Common Stock Par Or Stated Value Per Share	0.01	0.01	0.01	0.01	0.01	0.01	0.01	0.01	0.01	0.01	0.01	0.01
Loans Receivable Fair Value Disclosure	-	-	-	-	-	-	9	10	10	10	10	9
Common Stock Shares Authorized	50	50	50	50	50	50	50	50	50	50	50	35
Common Stock Shares Issued	33	33	33	33	33	33	33	33	33	33	33	33
Shares Outstanding	33	33	33	33	33	33	33	33	33	33	33	33

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Earnings Market Reaction

10‑Q10‑K

Fiscal Year	Q1 1 Month	Q1 2 Month	Q1 3 Month	Q2 1 Month	Q2 2 Month	Q2 3 Month	Q3 1 Month	Q3 2 Month	Q3 3 Month	Q4 1 Month	Q4 2 Month	Q4 3 Month
2026	7.16%	21.62%	23.29%	-	-	-	-	-	-	-	-	-
2025	-0.20%	7.37%	9.03%	14.13%	12.47%	4.57%	11.60%	14.60%	17.09%	-3.05%	2.31%	8.31%
2024	2.36%	3.63%	32.50%	11.46%	8.01%	12.56%	4.15%	0.35%	-1.42%	-10.07%	7.24%	9.03%
2023	-	-	-	-4.39%	-7.81%	3.78%	8.25%	13.76%	-3.59%	1.11%	3.99%	6.07%
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Performance and Valuation Metrics

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Metrics	2026-06-30	2026-03-31	2025-12-31	2025-09-30	2025-06-30	2025-03-31	2024-12-31	2024-09-30	2024-06-30	2024-03-31	2023-12-31	2023-09-30
Leverage & Debt
Interest Coverage TTM	13.99	13.65	13.37	13.24	11.48	10.13	2.63	1.87	1.29	1.16	1.18	1.20
Per Share Metrics
Diluted EPS TTM	1.98	1.88	1.78	1.70	1.61	1.48	1.32	1.23	0.61	0.39	0.42	0.28
Free Cash Flow Per Share TTM	2.61	2.12	1.77	2.47	1.47	1.79	1.25	1.33	0.30	0.20	0.63	-0.44
Dividend Per Share TTM	0.50	0.48	0.48	0.48	0.48	0.48	0.48	0.36	0.36	0.31	0.33	0.34
Margin Metrics
Gross Profit Margin TTM	65.34%	63.69%	62.05%	60.68%	59.41%	58.41%	57.75%	54.70%	56.18%	56.52%	58.81%	68.90%
Operating Profit Margin TTM	27.95%	26.58%	25.37%	24.84%	23.72%	22.11%	19.88%	18.99%	8.85%	6.35%	6.63%	6.30%
Net Profit Margin TTM	21.12%	20.11%	19.19%	18.59%	17.70%	16.48%	14.86%	14.17%	7.04%	5.18%	5.24%	5.22%
Growth Metrics
Net Revenue Growth (1Y)	3.24%	4.12%	4.97%	5.51%	5.91%	19.98%	37.96%	65.55%	113.03%	100.79%	88.04%	68.54%
Net Income Growth (1Y)	23.16%	27.01%	35.58%	38.46%	166.43%	281.85%	290.89%	349.39%	-29.32%	-59.54%	-63.99%	-64.13%
EPS Growth (1Y)	22.87%	26.71%	35.07%	38.03%	165.31%	280.00%	212.22%	346.85%	-57.67%	-75.76%	-73.10%	-78.50%
Valuation Metrics
P/E TTM	11.60	9.87	9.79	9.44	9.49	8.80	11.50	10.77	17.75	27.43	31.05	34.75
P/B TTM	1.25	1.03	0.99	0.93	0.90	0.79	0.93	0.83	0.69	0.69	0.68	0.63
P/S TTM	2.45	1.98	1.88	1.76	1.68	1.45	1.71	1.53	1.25	1.42	1.63	1.81
Market Cap	767.71M	620.25M	582.64M	537.25M	509.95M	435.30M	504.60M	442.82M	358.13M	355.32M	348.68M	317.76M
Enterprise Value	510.04M	279.43M	227.07M	120.73M	324.97M	46.30M	481.81M	259.20M	219.25M	240.76M	168.51M	209.05M
Calculated Values
Free Cash Flow TTM	87.17M	70.95M	59.22M	82.59M	49.15M	59.81M	41.66M	44.27M	9.94M	6.77M	16.76M	-14.56M
Net Debt	-257.67M	-340.82M	-355.57M	-416.51M	-184.98M	-389.01M	-22.79M	-183.62M	-138.88M	-114.56M	-180.17M	-108.71M
Per-Share and Margin
EPS TTM
Adjusted EPS TTM
Cash Flow Per Share TTM
Pretax Margin TTM
Stock Comp to Revenue TTM
Turnover Ratios and Averages
Average Assets
Average Equity
Average Inventory
Average Receivables
Average Accounts Payables
Inventory Turnover TTM
Payables Turnover TTM
Days Inventory Outstanding TTM
Days Payables Outstanding TTM
Cash Conversion Cycle TTM
Working Capital to Revenue
Deferred Revenue to Revenue
Growth Rates
Total Assets Growth (1Y)
Total Assets Growth (3Y)
Total Assets Growth (5Y)
Dividends Paid Growth (1Y)
Dividends Paid Growth (3Y)
Dividends Paid Growth (5Y)
EPS Growth (3Y)
EPS Growth (5Y)
Net Income Growth (3Y)
Net Income Growth (5Y)
Net Profit Margin Growth (1Y)
Net Profit Margin Growth (3Y)
Net Profit Margin Growth (5Y)
Net Revenue Growth (3Y)
Net Revenue Growth (5Y)
Deferred Revenue Growth (1Y)
Retained Earnings Growth (1Y)
Credit, Liquidity, Returns, Payout
Cash Ratio
Net Working Capital
Debt to EBITDA TTM
Net Debt to EBITDA TTM
Net Debt to Equity
Altman A
Altman B
Altman C
Altman D
Altman E
Altman Z-Score
ROA TTM
ROE TTM
NOPAT TTM
ROIC TTM
Effective Tax Rate TTM
Payout Ratio TTM
Dilution Ratio
Retained Earnings to Equity
Treasury Stock to Equity
Treasury Stock Change (1Y)
Accrued to Current Liabilities
NCAV
NCAV Per Share TTM
Valuation Ratios
P/CF TTM
PEG Ratio
Dividend Yield TTM
Free Cash Flow Yield TTM
EV EBITDA TTM
EV EBIT TTM
EV Revenue TTM
EV FCF TTM
Stock Compensation TTM
Adjusted Net Income TTM
Billings TTM
Total Debt
Invested Capital

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Insider Transactions

2026-05-26Purchase

Owner: Adams, Michael Brian

Title: -

Shares: 175

Price/Share: $20.29

Value: $3,550.75

Shares Owned: 45,818

Relationship: Director

Ownership: Direct

2026-03-02Sale

Owner: Slater, A Joseph Jr

Title: -

Shares: 1,802

Price/Share: $18.78

Value: $33,841.56

Shares Owned: 66,634

Relationship: Director

Ownership: Direct

2026-02-05Purchase

Owner: Esham, William E. Iii

Title: -

Shares: 5,000

Price/Share: $19.99

Value: $99,950.00

Shares Owned: 5,510

Relationship: Director

Ownership: Indirect

2025-11-26Purchase

Owner: Willey, Dawn M.

Title: -

Shares: 1,000

Price/Share: $17.66

Value: $17,660.00

Shares Owned: 12,000

Relationship: Director

Ownership: Indirect

2025-11-18Purchase

Owner: Kaslow, Aaron Michael

Title: EVP, Chief Legal Officer

Shares: 6,500

Price/Share: $15.56

Value: $101,140.00

Shares Owned: 6,500

Relationship: Officer

Ownership: Direct

Filed Date	Owner	Relationship	Title	Ownership	Purchase/Sale	No. Shares	Price Per Share	Value	Shares Owned	Document Type
2026-05-26	Adams, Michael Brian	Director	-	Direct	Purchase	175	20.29	$3,550.75	45,818	4
2026-03-02	Slater, A Joseph Jr	Director	-	Direct	Sale	1,802	18.78	$33,841.56	66,634	4
2026-02-05	Esham, William E. Iii	Director	-	Indirect	Purchase	5,000	19.99	$99,950.00	5,510	4
2025-11-26	Willey, Dawn M.	Director	-	Indirect	Purchase	1,000	17.66	$17,660.00	12,000	4
2025-11-18	Kaslow, Aaron Michael	Officer	EVP, Chief Legal Officer	Direct	Purchase	6,500	15.56	$101,140.00	6,500	4
2025-11-07	Lamon, John	Director	-	Direct	Purchase	200	15.92	$3,184.00	62,378	4
2025-08-13	Wayson, Konrad	Director	-	Indirect	Purchase	1,000	16.02	$16,020.00	60,731	4
2025-08-01	Adams, Michael Brian	Director	-	Direct	Purchase	10,000	15.00	$150,000.00	44,912	4
2025-05-30	Willey, Dawn M.	Director	-	Direct	Purchase	1,000	14.58	$14,580.00	17,591	4
2025-05-30	Streete, Esther A.	Director	-	Direct	Purchase	30	14.58	$437.40	657	4
2025-05-30	Lamon, John	Director	-	Direct	Purchase	250	14.55	$3,637.50	62,132	4
2025-05-02	Adams, Michael Brian	Director	-	Indirect	Purchase	560	14.15	$7,924.00	9,758	4
2025-05-02	Wayson, Konrad	Director	-	Indirect	Purchase	5,000	14.25	$71,250.00	59,328	4
2025-02-20	Stevens, Donna J.	Officer	EVP, Chief Operating Officer	Indirect	Purchase	315	15.85	$4,992.75	1,815	4
2025-02-04	Adams, Michael Brian	Director	-	Indirect	Purchase	965	15.92	$15,362.80	9,126	4
2024-11-25	Wayson, Konrad	Director	-	Indirect	Purchase	3,000	16.94	$50,820.00	53,266	4
2024-06-04	Lamon, John	Director	-	Direct	Purchase	605	10.88	$6,582.40	61,675	4
2024-05-09	Kelly, Clyde V. Iii	Director	-	Direct	Purchase	5,000	11.20	$56,000.00	23,888	4
2024-03-04	Lamon, John	Director	-	Direct	Purchase	578	11.27	$6,514.06	57,732	4
2024-02-20	Adams, Michael Brian	Director	-	Indirect	Purchase	500	11.60	$5,800.00	7,874	4
2024-02-13	Willey, Dawn M.	Director	-	Indirect	Purchase	10,000	11.02	$110,200.00	17,500	4
2024-02-09	Jones, David S.	Director	-	Indirect	Purchase	1,957	10.96	$21,448.72	37,192	4
2024-02-05	Lamon, John	Director	-	Direct	Purchase	579	11.00	$6,369.00	57,123	4
2023-11-30	Willey, Dawn M.	Director	-	Direct	Purchase	7,500	12.25	$91,875.00	28,122	4
2023-11-30	Lamon, John	Director	-	Direct	Purchase	519	12.24	$6,352.56	55,976	4
2023-11-28	Kelly, Clyde V. Iii	Director	-	Direct	Purchase	3,500	11.84	$41,440.00	18,546	4
2023-11-06	Lamon, John	Director	-	Direct	Purchase	539	11.62	$6,263.18	55,376	4
2023-08-22	Wayson, Konrad	Director	-	Direct	Purchase	2,000	11.13	$22,260.00	62,928	4
2023-08-07	Lamon, John	Director	-	Direct	Purchase	550	11.35	$6,242.50	54,792	4
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Institutional Ownership

No data available for chart

2026-03-31

64.46%

Inst. Shares: 21,548,701

Shares Outstanding: 33,428,444

2025-12-31

63.05%

Inst. Shares: 21,054,051

Shares Outstanding: 33,392,817

2025-09-30

61.24%

Inst. Shares: 20,467,469

Shares Outstanding: 33,419,291

2025-06-30

59.26%

Inst. Shares: 19,776,516

Shares Outstanding: 33,374,265

2025-03-31

57.03%

Inst. Shares: 19,021,165

Shares Outstanding: 33,350,869

Date	Institutional Shares Owned	Shares Outstanding	Institutional Ownership %
2026-03-31	21,548,701	33,428,444	64.46%
2025-12-31	21,054,051	33,392,817	63.05%
2025-09-30	20,467,469	33,419,291	61.24%
2025-06-30	19,776,516	33,374,265	59.26%
2025-03-31	19,021,165	33,350,869	57.03%
2024-12-31	18,949,899	33,267,328	56.96%
2024-09-30	18,767,568	33,317,739	56.33%
2024-06-30	18,592,209	33,233,870	55.94%
2024-03-31	16,748,119	33,189,000	50.46%
2023-12-31	16,728,465	26,572,217	62.95%
2023-09-30	16,267,903	33,129,000	49.10%
2023-06-30	11,731,119	19,903,000	58.94%
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SHORE BANCSHARES INC (SHBI) — SEC Financial Statements & Analysis

SHORE BANCSHARES INC (SHBI) is a national commercial banks company, incorporated in MD. SHORE BANCSHARES INC trades on Nasdaq as: SHBI. Based on its latest SEC filing (Form 10-Q, period ending 2026-06-30), SHORE BANCSHARES INC reported a 3.24% year-over-year revenue growth, a Gross Profit Margin of 65.34% (TTM), a Price-to-Sales (P/S) ratio of 2.45x (TTM), a Price-to-Book (P/B) ratio of 1.25x (TTM), at a market cap of $767.71M. Figures below are sourced from SEC EDGAR, as-filed.

Net Revenue TTM Growth 1Y: 3.24%
Gross Profit Margin TTM: 65.34%
P/S TTM: 2.45x
P/B TTM: 1.25x
Market Cap: $767.71M

Data as of 2026-06-30 · Source: SEC EDGAR

Frequently Asked Questions

What industry is SHORE BANCSHARES INC in?

SHORE BANCSHARES INC (SHBI) operates in the National Commercial Banks industry.

What is SHBI's market cap?

SHORE BANCSHARES INC (SHBI) has a market capitalization of $767.71M as of 2026-06-30.

What is SHBI's P/E ratio?

SHORE BANCSHARES INC (SHBI)'s trailing twelve month P/E ratio is 11.60x as of 2026-06-30.

What exchange does SHBI trade on?

SHORE BANCSHARES INC (SHBI) trades on the Nasdaq.

Where is SHORE BANCSHARES INC incorporated?

SHORE BANCSHARES INC is incorporated in MD.