Shore Bancshares Inc (SHBI)
Shore Bancshares Inc brought in $22.2M of revenue over the twelve months to September 30, 2026, up 0.1% from a year earlier. Net income was $68.6M, a net margin of 309.4%. Operating cash flow minus capital spending left $59.2M of free cash flow in fiscal 2025. At September 30, 2026 it held $455.1M in cash against $89.3M of debt. Its latest periodic report to the SEC is the quarterly report (10-Q) filed on November 2, 2026.
Key facts about Shore Bancshares Inc
- Net worth
- Shore Bancshares Inc has a market value (market cap) of $763.9M at the latest share price, and shareholders' equity of $619.3M on its balance sheet at September 30, 2026. A company's "net worth" usually means one of these: what the market pays for all its shares, or its assets minus its liabilities.
- Cash flow
- In fiscal 2025 operations brought in $62.4M of cash; after $3.2M of capital spending, free cash flow was $59.2M.
- Latest report
- The latest periodic report (quarterly report, 10-Q) was filed with the SEC on November 2, 2026 and covers the period to September 30, 2026. Open on SEC EDGAR
- Next earnings report
- Shore Bancshares Inc's next report is expected around January 27, 2027. That is an estimate from its filing rhythm, not a date the company has announced.
- Dividend
- Shore Bancshares Inc paid dividends of $0.48 per share in fiscal 2025, a yield of 2.10% at the current price.
What Shore Bancshares Inc does
Shore Bancshares Inc is registered with the SEC under industry code SIC 6021 (National Commercial Banks). Its shares trade on NASDAQ under the ticker SHBI.
Revenue and profit by year
Key figures
| Fiscal year | Revenue | Net income | Diluted EPS | Free cash flow |
|---|---|---|---|---|
| 2025 | $20.9M | $59.5M | $1.78 | $59.2M |
| 2024 | $20.9M | $43.9M | $1.32 | $41.7M |
| 2023 | $18.3M | $11.2M | $0.42 | $16.8M |
| 2022 | $15.3M | $31.2M | $1.57 | $50.2M |
| 2021 | $11M | $15.4M | $1.17 | -$11M |
| 2020 | $9.2M | $15.7M | $1.27 | $16.1M |
Earnings: every quarter and the next report date
Full financial statements: income, balance sheet and cash flow
Where SHBI ranks in Finance
Dividends
Shore Bancshares Inc paid $0.48 per share in fiscal 2025. At the current price that is a yield of 2.10%. It paid out $16.1M in cash dividends, 27% of its net income.
| Fiscal year | Per share | Paid out | Of profit |
|---|---|---|---|
| 2025 | $0.48 | $16.1M | 27% |
| 2024 | $0.48 | $16M | 36% |
| 2023 | $0.48 | $12.7M | 113% |
| 2022 | $0.48 | $9.5M | 31% |
| 2021 | $0.48 | $6.6M | 43% |
| 2020 | $0.48 | $0 | 0% |
Latest SEC filings
What Shore Bancshares Inc has filed recently, newest first. Each links to the original document on SEC EDGAR.
- November 2, 2026Quarterly report 10-Q · period to September 30, 2026Revenue rose 9.3% to $5.9M versus the same quarter last year; diluted EPS $0.50 versus $0.43.
- October 23, 2026
- October 22, 2026
- October 1, 2026Executive or director change8-KShore Bancshares adopted a new deferred compensation plan for non-employee directors and amended its existing plan.
- August 25, 2026
- August 3, 2026Quarterly report 10-Q · period to June 30, 2026Revenue rose 3.5% to $6M versus the same quarter last year; diluted EPS $0.56 versus $0.46.
- July 24, 2026
- July 23, 2026
- July 23, 2026
- June 16, 2026
What is SHBI worth? A DCF from its reported cash flow
Insider trades
What the people running Shore Bancshares Inc did with its shares, from the Form 4 filings they must send the SEC within two business days.
Insiders bought $7.8K worth of shares on the open market in the last 90 days and sold none.
| Date | Insider | What | Shares | Value |
|---|---|---|---|---|
| October 27, 2026 | Lamon JohnDirector | Bought | 338 | $7.8K |
| August 21, 2026 | Cullum Charles SEVP, Chief Financial Officer | Exercised options | 1,581 | - |
| August 21, 2026 | Cullum Charles SEVP, Chief Financial Officer | Shares withheld for tax | 533 | - |
| August 21, 2026 | Stayton Noah EdwardEVP, Chief Information Officer | Exercised options | 3,692 | - |
| August 21, 2026 | Stayton Noah EdwardEVP, Chief Information Officer | Shares withheld for tax | 1,251 | - |
| August 3, 2026 | Lamon JohnDirector | Bought | 300 | $7.4K |
| July 29, 2026 | Hyatt Alan JDirector | Exercised options | 2,310 | - |
| July 29, 2026 | Jenkins Louis P JrDirector | Exercised options | 2,310 | - |
Who owns SHBI
Three views from three kinds of SEC filings, each with its own date. They overlap and are not added up.
5% holders
| Holder | Of class | Filed |
|---|---|---|
| Dimensional Fund Advisors LP13G, passive | 5% | April 9, 2026 |
Largest institutional holders
Positions that investment managers reported on Form 13F for the quarter ended June 30, 2026, largest first, with the change on the quarter ended March 31, 2026. Managers file 13F up to 45 days after a quarter ends. 177 managers reported a position.
| Holder | Shares | Change on quarter |
|---|---|---|
| BlackRock, Inc. | 3,215,010 | +191,443 |
| Dimensional Fund Advisors LP | 1,774,718 | +91,315 |
| Vanguard Capital Management LLC | 1,345,267 | -31,267 |
| American Century Companies Inc | 1,095,951 | +135,343 |
| State Street Corp | 1,029,202 | +104,039 |
| Manufacturers Life Insurance Company, The | 885,021 | -5,063 |
| Geode Capital Management, LLC | 816,475 | +47,534 |
| Wellington Management Group Llp | 768,354 | -245,321 |
| Jupiter Topco LLC | 745,516 | new |
| Ameriprise Financial Inc | 523,562 | +79,403 |
| Atlantic Union Bankshares Corp | 486,930 | 0 |
| Nuveen, LLC | 483,359 | +138,548 |
| Goldman Sachs Group Inc | 481,073 | -68,764 |
| Aqr Capital Management LLC | 476,221 | +40,914 |
| Hotchkis & Wiley Capital Management LLC | 337,669 | +34,370 |
| Arrowstreet Capital, Limited Partnership | 336,589 | -75,622 |
| Northern Trust Corp | 316,028 | +13,140 |
| Vanguard Portfolio Management LLC | 299,794 | +51,020 |
| Basswood Capital Management, L.L.C. | 299,231 | new |
| Renaissance Technologies LLC | 279,515 | -68,100 |
Insiders
23 insiders reported holding 1,629,747 shares in total, about $37.3M at the last price.
| Holder | Shares |
|---|---|
| Hyatt Alan JDirector | 939,004 |
| Burke James MPresident & CEO, Director | 90,107 |
| Sanders Edward Lawrence IIIDirector | 72,856 |
| Slater A Joseph JrDirector | 66,634 |
| Lamon JohnDirector | 65,514 |
| Jenkins Louis P JrDirector | 64,510 |
| Lombardi ChristyEVP, Chief Human Resources Ofc | 57,900 |
| Adams Michael BrianDirector | 48,416 |
| Pierce Lacey AmandaChief Strategy&ProjectOfficer | 38,709 |
| Clemmer R. MichaelDirector | 32,466 |
Questions about SHBI
What does Shore Bancshares Inc do?
Shore Bancshares Inc is a company in the Finance sector, listed on NASDAQ as SHBI. Its shares trade on NASDAQ under the ticker SHBI.
What is Shore Bancshares Inc's net worth?
Shore Bancshares Inc has a market value (market cap) of $763.9M at the latest share price, and shareholders' equity of $619.3M on its balance sheet at September 30, 2026. A company's "net worth" usually means one of these: what the market pays for all its shares, or its assets minus its liabilities.
Is Shore Bancshares Inc profitable?
Yes. Over the twelve months to September 30, 2026 it reported net income of $68.6M on revenue of $22.2M, a net margin of 309.4%.
How much revenue does Shore Bancshares Inc make?
Over the twelve months to September 30, 2026 Shore Bancshares Inc reported revenue of $22.2M. That is 0.1% more than a year earlier.
When did Shore Bancshares Inc last report?
Its most recent periodic report is the quarterly report (10-Q) filed on November 2, 2026. It covers the period to September 30, 2026.
When is Shore Bancshares Inc's next earnings report?
Shore Bancshares Inc's next report is expected around January 27, 2027. That is an estimate from its filing rhythm, not a date the company has announced.
Does Shore Bancshares Inc pay a dividend?
Yes. Shore Bancshares Inc paid dividends of $0.48 per share in fiscal 2025, a yield of 2.10% at the current price.
Similar companies
Compare SHBI with
Follow SHBI
Get an email when Shore Bancshares Inc files with the SEC: results, executive changes, material agreements and annual reports.
Where the numbers come from
Financial figures are the values Shore Bancshares Inc tagged in its own SEC filings (XBRL), taken from the latest filing for each period, so restatements replace older figures. Revenue, profit and cash flow are for full fiscal years unless marked as the last twelve months, which is the sum of the four most recent quarters. Where a company reports only the full year, the fourth quarter is the year minus the first three.
Prices are delayed end-of-day market data in the listing currency, and market cap moves with the price. P/E is shown only when earnings per share are positive. Nothing here is investment advice.