Shore Bancshares Inc
SHBI Nasdaq· National Commercial Banks
Last close · Oct 23, 2026
$22.94
KIRA · Stoqly’s AI analyst, in plain words
- Shore Bancshares Inc had $20.9M of revenue in fiscal 2025, down 0.3% on the year before. Over five years, revenue changed +17.8% a year on average.
- Shore Bancshares Inc made $59.5M of net profit in fiscal 2025. From fiscal 2016 to 2025, diluted EPS grew 9.9% a year.
- Shore Bancshares Inc returned $16.1M to shareholders in fiscal 2025, 27% of free cash flow. The diluted share count rose 0.4%.
- It earned 10.5% on shareholders’ money. Running costs took 661.9% of revenue (the efficiency ratio; lower is better).
Market cap
$768M
P/E
11.6x
Revenue
$20.9M
Net income
$59.5M
Return on equity
10.5%
Efficiency ratio
661.9%
Shore Bancshares Inc in 30 seconds · fiscal 2025
Are sales growing?
−0.3%
No. Sales fell 0.3% last year.
Does it make a profit?
285.4%
Yes. It keeps 285.4% of every sale as profit.
How lean are its costs?
661.9%
Costly. Running costs take 661.9% of revenue.
How much does it earn on its capital?
10.5%
Fair. It earns 10.5% a year on shareholders’ money.
How is the share priced?
11.6x
One share costs 11.6 times its yearly profit per share.
What Shore Bancshares Inc does
No business description yet.
- Fiscal year ends
- December 31, 2025
- Latest annual report
- 10-K · Mar 2, 2026
- Legal name
- SHORE BANCSHARES INC
- CIK
- 0001035092
Shore Bancshares Inc · SHBI
Results and finances
The last 5 fiscal years. Amounts in USD.
| Fiscal year | FY21 | FY22 | FY23 | FY24 | FY25 |
|---|---|---|---|---|---|
| Sales and profit | |||||
| Revenue | $11.0M | $15.3M | $18.3M | $20.9M | $20.9M |
| Revenue growth | 19.6% | 39.4% | 19.5% | 14.0% | −0.3% |
| Net interest income | $64.1M | $101M | $135M | $171M | $192M |
| Net income | $15.4M | $31.2M | $11.2M | $43.9M | $59.5M |
| Net margin | 139.6% | 203.2% | 61.2% | 209.9% | 285.4% |
| Diluted EPS | $1.17 | $1.57 | $0.42 | $1.32 | $1.78 |
| Cash | |||||
| Cash from operations | −$7.5M | $52.6M | $22.7M | $46.9M | $62.4M |
| Capital expenditure | $3.5M | $2.4M | $6.0M | $5.2M | $3.2M |
| Free cash flow | −$11.0M | $50.2M | $16.8M | $41.7M | $59.2M |
| FCF margin | −99.5% | 327.5% | 91.4% | 199.2% | 284.0% |
| Dividends paid | $6.6M | $9.5M | $12.7M | $16.0M | $16.1M |
| Share count change | 6.0% | 51.3% | 33.9% | 25.3% | 0.4% |
| Debt and strength | |||||
| Cash and short-term investments | $584M | $55.5M | $372M | $460M | $356M |
| Debt incl. finance leases | — | $43.1M | $72.7M | $73.7M | $89.1M |
| Loans, net | $2.1B | $2.5B | $4.6B | $4.7B | $4.8B |
| Deposits | $3.0B | $3.0B | $5.4B | $5.5B | $5.5B |
| Shareholders' equity | $351M | $364M | $511M | $541M | $590M |
| Returns and quality | |||||
| Return on equity | 5.6% | 8.7% | 2.6% | 8.3% | 10.5% |
| Return on tangible equity | 5.5% | 10.6% | 2.8% | 10.0% | 12.0% |
| Efficiency ratio | 516.1% | 523.6% | 672.6% | 661.2% | 661.9% |
| Piotroski F-score | — | — | 4 | 6 | 4 |
Insiders bought, 12 months
$0.2M
5 insiders
Insiders sold, 12 months
$0.0M
1 insider
Of sales under plans
0%
$0.0M
How to read these numbers
- Revenue:
- Total sales reported in the income statement.
- Net income:
- Profit after all expenses, interest and tax.
- Efficiency ratio:
- Noninterest expense as a share of revenue. Lower is better for banks.
- Return on equity:
- Net income as a share of average shareholders' equity.
- Return on tangible equity:
- Net income to common over equity minus goodwill and intangibles.
- Diluted EPS:
- Net income per diluted share.
Shore Bancshares Inc · SHBI
Charts and comparison
Ten years at a glance, and how it stacks up against similar companies.
Revenue
Net income
Return on equity and efficiency ratio
Loans and deposits
Dividends and buybacks
Diluted EPS
KIRA
At $22.94 a share, the company is worth $768M: 11.6 times its earnings of the last four quarters.
Source: SEC EDGAR XBRL filings (CIK 0001035092). Data updated October 24, 2026. For information only — not investment advice. Check the original filings before relying on any figure.