SHBI - NASDAQ

Shore Bancshares, Inc.

SHBI·NASDAQ

$19.99

-4.1%

Financial ServicesBanks - Regional

Shore Bancshares, Inc. operates as a bank holding company for the Shore United Bank that provides various commercial and consumer banking products and services to individuals, businesses, and other organizations. It offers checking, savings, overnight investment sweep, and money market accounts; and regular and IRA certificates of deposit, as well as CDARS programs and cash management services. The company also provides commercial loans, such as secured and unsecured loans, working capital loans, lines of credit, term loans, accounts receivable financing, real estate acquisition and development loans, construction loans, and letters of credit; residential real estate construction loans; residential mortgage loans; and loans to consumers, including home equity, automobile, installment, home improvement, and personal lines of credit, as well as other consumer financing products. In addition, it offers non-deposit products, such as mutual funds and annuities, and discount brokerage services; and trust, asset management, and financial planning services. Further, the company provides merchant credit card clearing, as well as telephone, mobile, and Internet banking services; safe deposit boxes; debit and credit cards; direct deposit of payroll; and automatic teller machine (ATM) services. It operates 29 full service branches, 30 ATMs, and 5 loan production offices in Baltimore City, Baltimore County, Howard County, Kent County, Queen Anne's County, Caroline County, Talbot County, Dorchester County, Anne Arundel County, and Worcester County in Maryland; Kent County, Delaware; and Accomack County, Virginia. The company was founded in 1876 and is headquartered in Easton, Maryland.

Statements Value Model

At a Glance

Live Snapshot

Market Cap$668.78M

EPS1.7800

P/E Ratio11.23

Earnings Date07/23/2026

6.26B

Assets

3Y+80.0%

5Y+224.0%

10Y+439.0%

5.67B

Total Liabilities

3Y+82.0%

5Y+226.0%

10Y+464.0%

589.87M

Total Equity

3Y+62.0%

5Y+202.0%

10Y+282.0%

Shore Bancshares, Inc. Funding & Solvency Profile

SHBI · NASDAQ

Current Assets

Cash & Cash Equivalents50.16M

Net Receivables18.55M

Inventory0.00

Other Current Assets0.00

Total Current Assets69 M

Non-Current Assets

Property, Plant & Equipment90.69M

Goodwill & Intangible Assets92.99M

Long-Term Investments5.84B

Other Non-Current Assets-5.84B

Total Non-Current Assets91 M

Total Assets

6.26B

Financial Health Analysis

Current Ratio

6.23x

Excellent liquidity position. The company can easily cover its short-term obligations with substantial cushion.

Debt-to-Equity Ratio

9.61x

High financial leverage. Heavy reliance on debt may indicate increased financial risk and potential solvency concerns.

Working Capital

58 M

Strong working capital position provides significant operational flexibility and financial cushion.

Asset Composition

1% Current

Capital-intensive business with significant long-term investments in property, equipment, or intangibles.

Financial Health Insight

Mixed signals: Strong short-term liquidity provides comfort, but high overall leverage requires careful monitoring of debt servicing capabilities and refinancing risk.

Shore Bancshares, Inc. Balance Sheet

SHBI • NASDAQ

Shore Bancshares, Inc. Balance Sheet	Dec 2025	Dec 2024	Dec 2023	Dec 2022	Dec 2021	Dec 2020	Dec 2019	Dec 2018	Dec 2017	Dec 2016	Dec 2015	Dec 2014	Dec 2013	Dec 2012	Dec 2011	Dec 2010	Dec 2009	Dec 2008	Dec 2007	Dec 2006
ASSETS
CURRENT ASSETS
Cash and Cash Equivalents	50.2M	459.9M	372.4M	55.5M	583.6M	186.9M	95M	67.2M	31.8M	75.9M	69.3M	92.7M	130.6M	191.4M	122.8M	41.3M	15M	17.3M	20.2M	60.1M
Short-Term Investments	0.0	149.2M	110.5M	83.6M	117M	139.6M	122.8M	154.4M	197M	163.9M	212.2M	236.1M	147.1M	145.5M	129.8M	0.0	0.0	0.0	0.0	0.0
Cash & Short-Term Investments	50.2M	609.1M	482.9M	139.1M	700.6M	326.5M	217.8M	221.7M	228.8M	239.8M	281.5M	328.8M	277.7M	337M	252.5M	41.3M	15M	17.3M	20.2M	60.1M
Net Receivables	18.6M	19.6M	19.2M	9.4M	7.3M	6.8M	3.6M	3.3M	3.5M	2.7M	2.5M	2.7M	2.6M	6M	5.5M	0.0	0.0	6M	6.1M	5.5M
Accounts Receivables	18.6M	19.6M	19.2M	9.4M	6.7M	6.6M	3.5M	3.3M	3.5M	2.7M	2.5M	2.7M	2.6M	3.9M	4.8M	0.0	0.0	4.6M	5M	4.9M
Other Receivables	0.0	0.0	0.0	0.0	616K	156K	175K	0.0	0.0	0.0	0.0	0.0	0.0	2.2M	719K	0.0	0.0	1.3M	1.1M	573K
Prepaids	0.0	0.0	0.0	2.7M	2.9M	1.5M	1.2M	1.1M	1.3M	1.1M	1M	750K	700K	2.2M	3.6M	0.0	0.0	0.0	0.0	0.0
Total Current Assets	68.7M	628.6M	502.2M	151.2M	710.8M	334.7M	222.5M	226.1M	233.6M	243.7M	285M	332.2M	281M	345.2M	261.7M	41.3M	15M	23.2M	26.3M	65.5M
NON-CURRENT ASSETS
Property, Plant, and Equipment (Net)	90.7M	93.2M	94.9M	61.1M	63M	29.7M	28.6M	22.7M	22.6M	16.6M	16.9M	16.3M	15.2M	15.6M	14.7M	14.5M	14.3M	13.9M	15.6M	16M
Goodwill	63.3M	63.3M	63.3M	63.3M	63.4M	17.5M	17.5M	17.5M	17.5M	11.9M	11.9M	11.9M	12.5M	12.5M	12.5M	13.7M	16M	16M	16M	0.0
Intangible Assets	29.7M	44.2M	54M	10.8M	11.6M	1.7M	2.3M	2.9M	3.7M	1.1M	1.2M	1.3M	3.5M	3.8M	4.2M	4.8M	5.4M	5.9M	6.4M	5.5M
Goodwill & Intangible Assets	93M	107.5M	117.3M	74.1M	75M	19.2M	19.8M	20.4M	21.2M	13M	13.1M	13.3M	16M	16.3M	16.7M	18.5M	21.4M	21.9M	22.4M	13.5M
Long-Term Investments	5.8B	5.2B	5.1B	3.1B	2.5B	1.5B	1.2B	1.2B	1.1B	869.5M	792.6M	709.3M	712M	774.5M	836.4M	987M	1B	968.7M	878.8M	823.7M
Tax Assets	29.8M	31.9M	40.7M	7.4M	2.9M	4.4M	2.8M	4.2M	4.1M	7M	12.1M	15.7M	19.1M	12.2M	9M	0.0	0.0	0.0	0.0	0.0
Other Non-Current Assets	-5.8B	149.1M	144.6M	79.2M	59M	37.7M	37.3M	16.8M	11.1M	10.5M	15.4M	13.7M	10.9M	22M	19.8M	69.1M	93.6M	17M	13.7M	27M
Total Non-Current Assets	213.5M	5.6B	5.5B	3.3B	2.7B	1.6B	1.3B	1.3B	1.2B	916.6M	850.2M	768.2M	773.1M	840.6M	896.5M	1.1B	1.1B	1B	930.6M	880.1M
Other Assets	6B	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0
Total Assets	6.3B	6.2B	6B	3.5B	3.5B	1.9B	1.6B	1.5B	1.4B	1.2B	1.1B	1.1B	1.1B	1.2B	1.2B	1.1B	1.2B	1B	956.9M	943.6M
LIABILITIES
CURRENT LIABILITIES
Total Payables	0.0	0.0	0.0	1.3M	3.4M	1.7M	330K	4.1M	3.3M	3.4M	2.9M	2.6M	3.8M	4M	569K	0.0	0.0	2.4M	2.8M	2.2M
Accounts Payable	0.0	0.0	0.0	1.3M	3.4M	1.7M	330K	604K	65K	74K	106K	172K	225K	339K	569K	0.0	0.0	2.4M	2.8M	2.2M
Other Payables	0.0	0.0	0.0	0.0	0.0	0.0	0.0	3.2M	3.2M	3.3M	2.8M	2.4M	3.5M	3.7M	0.0	0.0	0.0	0.0	0.0	0.0
Accrued Expenses	0.0	0.0	0.0	1.4M	3.4M	646K	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	11.3M	15.9M	0.0	0.0	0.0
Short Term Debt	11M	0.0	0.0	40M	4.1M	1.1M	2.5M	60.8M	21.7M	3.2M	6.7M	4.8M	10.1M	13.8M	17.8M	16M	20.4M	53M	47.7M	28.5M
Tax Payables	0.0	0.0	0.0	0.0	0.0	0.0	0.0	3.5M	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0
Other Current Liabilities	0.0	5.5B	5.4B	3B	3B	1.7B	1.3B	1.2B	1.2B	997.5M	975.5M	949M	933.5M	1B	1B	979.5M	990.9M	845.4M	765.9M	774.2M
Total Current Liabilities	11M	5.5B	5.4B	3.1B	3B	1.7B	1.3B	1.3B	1.2B	1B	985M	956.4M	947.4M	1.1B	1B	1B	1B	900.7M	816.4M	804.9M
NON-CURRENT LIABILITIES
Long Term Debt	89.1M	123.7M	72.3M	43.1M	52.9M	24.4M	15M	15M	0.0	0.0	0.0	0.0	0.0	0.0	455K	932K	1.4M	7.9M	12.5M	25M
Other Non-Current Liabilities	5.6B	25.8M	28.1M	7.5M	7.7M	4.9M	2.5M	7.7M	2.3M	1.9M	3.2M	3.5M	3.4M	4.8M	8.2M	0.0	0.0	8.6M	7.8M	4.4M
Total Non-Current Liabilities	5.7B	161.4M	113.7M	60.5M	72.2M	34.2M	22.3M	22.7M	2.3M	1.9M	3.2M	3.5M	3.4M	4.8M	8.6M	932K	1.4M	16.6M	20.3M	29.4M
Capital Lease Obligations	11M	11.8M	12.9M	9.9M	11.6M	4.9M	4.8M	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0
Total Liabilities	5.7B	5.7B	5.5B	3.1B	3.1B	1.7B	1.4B	1.3B	1.2B	1B	988.2M	959.9M	950.8M	1.1B	1B	1B	1B	917.3M	836.7M	832.2M
SHAREHOLDERS' EQUITY
Common Stock	334K	333K	332K	199K	198K	118K	125K	127K	127K	127K	126K	126K	85K	85K	85K	84K	84K	84K	84K	84K
Additional Paid-In Capital	360.6M	358.1M	356M	201.5M	200.5M	52.2M	61M	65.4M	65.3M	64.2M	63.8M	63.5M	32.2M	32.2M	32.1M	30.2M	29.9M	29.8M	29.5M	29.7M
Retained Earnings	233.6M	190.2M	162.3M	171.6M	150M	141.2M	131.4M	120.6M	99.7M	91M	83.1M	76.5M	71.4M	81.1M	90.8M	92.5M	96.2M	96.1M	90.4M	82.3M
Accumulated Other Comprehensive Income/Loss	-4.6M	-7.5M	-7.5M	-9M	56K	1.5M	207K	-3M	-1.3M	-993K	-71K	316K	-437K	708K	-1.7M	-1.8M	160K	1.4M	247K	-723K
Other Total Stockholders' Equity	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	1.5M	1.5M	0.0	0.0	0.0
Total Stockholders' Equity	589.9M	541.1M	511.1M	364.3M	350.7M	195M	192.8M	183.2M	163.7M	154.3M	147M	140.5M	103.3M	114M	121.2M	122.5M	127.8M	127.4M	120.2M	111.3M
Total Equity	589.9M	541.1M	511.1M	364.3M	350.7M	195M	192.8M	183.2M	163.7M	154.3M	147M	140.5M	103.3M	114M	121.2M	122.5M	127.8M	127.4M	120.2M	111.3M
SUMMARY
Total Liabilities & Equity	6.3B	6.2B	6B	3.5B	3.5B	1.9B	1.6B	1.5B	1.4B	1.2B	1.1B	1.1B	1.1B	1.2B	1.2B	1.1B	1.2B	1B	956.9M	945.6M
Total Investments	5.8B	5.4B	5.2B	3.2B	2.7B	1.6B	1.4B	1.3B	1.3B	1B	1B	945.4M	859.1M	920M	966.1M	987M	1B	968.7M	878.8M	823.7M
Total Debt	111.1M	135.6M	85.2M	93M	68.6M	30.4M	22.2M	75.8M	21.7M	3.2M	6.7M	4.8M	10.1M	13.8M	18.3M	17M	21.8M	60.9M	60.2M	53.5M
Net Debt	61M	-324.3M	-287.3M	37.5M	-515M	-156.6M	-72.7M	8.6M	-10.1M	-72.7M	-62.6M	-87.9M	-120.5M	-177.7M	-104.5M	-24.3M	6.8M	43.6M	39.9M	-6.5M
Shares Outstanding	33,426,756	33,426,756	33,426,756	33,426,756	33,426,756	33,426,756	33,426,756	33,426,756	33,426,756	33,426,756	33,426,756	33,426,756	33,426,756	33,426,756	33,426,756	33,426,756	33,426,756	33,426,756	33,426,756	33,426,756

SEC Filings

SHBI - Filing history and reports

Filing Type	Filing Date	Period Ending	Fiscal Year	Actions
8-K 8-K 2026 N/A	May 22, 2026	May 21, 2026	2026	View Filing
8-K 8-K 2026 N/A	May 20, 2026	May 20, 2026	2026	View Filing
10-Q 10-Q 2026 Q1 Q1	May 04, 2026	March 31, 2026	2026	View Filing
8-K 8-K 2026 N/A	May 04, 2026	May 04, 2026	2026	View Filing
8-K 8-K 2026 N/A	April 23, 2026	April 23, 2026	2026	View Filing
DEF 14A DEF 14A 2026 N/A	April 08, 2026	May 20, 2026	2026	View Filing
10-K 10-K 2025 FY FY	March 02, 2026	December 31, 2025	2025	View Filing
8-K 8-K 2026 N/A	February 02, 2026	February 02, 2026	2026	View Filing
8-K 8-K 2026 N/A	January 28, 2026	January 28, 2026	2026	View Filing
8-K 8-K 2026 N/A	January 28, 2026	January 28, 2026	2026	View Filing

Showing 1 to 10 of 485 filings

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