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Shore Bancshares, Inc. (SHBI)
Financial Services · Banks - Regional · NasdaqGS
Shore Bancshares, Inc. revenue & earnings — last 10 fiscal years
| Metric | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | $0 | $0 | $8.87M | $9.46M | $9.21M | $11.01M | $124.39M | $159.65M | $201.70M | $225.06M |
| Gross profit | — | — | — | — | — | — | — | — | — | — |
| Net income | $9.64M | $11.26M | $25.00M | $16.20M | $15.73M | $15.37M | $31.18M | $11.23M | $43.89M | $59.51M |
| Net margin | — | — | 281.9% | 171.2% | 170.9% | 139.6% | 25.1% | 7.0% | 21.8% | 26.4% |
Source: Shore Bancshares, Inc. SEC filings (10-K). 17 years of history available in the interactive view.
What growth is priced into SHBI stock?
At today's market cap of $738.37M, Shore Bancshares, Inc. is priced for free-cash-flow growth of about 1.2% per year for 10 years (assuming a 10% discount rate and 2.5% terminal growth, base FCF $59.22M from the FY ending 2025-12-31). For comparison, free cash flow actually grew 29.8%/yr over the last five fiscal years and revenue 89.5%/yr, computed from its SEC filings. This is a reverse DCF — a translation of the price into a growth assumption you can judge, not a fair value and not advice. Change the assumptions yourself in the interactive view →
Explore 17 years of Shore Bancshares, Inc. financials — interactive
Full income statement, balance sheet and cash flow with CAGR and trend on every row, 48 quarters, valuation ratios, plain-English health checks, and Ask — our SEC-grounded research assistant.
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Shore Bancshares, Inc. financial history by metric
About Shore Bancshares, Inc.
Shore Bancshares, Inc. operates as a bank holding company for Shore United Bank, N.A. that provides various consumer and commercial banking products and services to individuals, businesses, and other organizations in the United States. The company offers checking, savings, overnight investment sweep, and money market accounts; and regular and IRA certificates of deposit, as well as certificate of deposit account registry service programs and cash management services. It 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, the company offers trust, wealth management, and financial planning services; treasury management services, such as merchant card processing, remote deposit capture, and ACH origination, as well as telephone, mobile, and Internet banking services; safe deposit boxes; debit and credit cards; and automatic teller machine services. Shore Bancshares, Inc. was founded in 1876 and is headquartered in Easton, Maryland.
Shore Bancshares, Inc. — frequently asked questions
What is Shore Bancshares, Inc.'s revenue?
Shore Bancshares, Inc. (SHBI) reported revenue of $225.06M for fiscal year 2025, up 11.6% from the prior year, according to its SEC filings.
Is Shore Bancshares, Inc. profitable?
Yes. SHBI earned net income of $59.51M in fiscal 2025, a net margin of 26.4%.
What is SHBI's P/E ratio?
Shore Bancshares, Inc. trades at a price-to-earnings ratio of about 11.7 based on the latest data in our nightly-refreshed cache.
How fast is Shore Bancshares, Inc. growing?
SHBI's revenue grew at roughly 89.5% per year over the last five fiscal years (compound annual growth rate), computed from SEC-filed statements.
How much debt does Shore Bancshares, Inc. have?
As of fiscal year 2025, SHBI carried roughly $89.06M in total debt (short- plus long-term borrowings), per its filed balance sheet.
What is Shore Bancshares, Inc.'s market cap?
Shore Bancshares, Inc. (SHBI) has a market capitalization of about $738.37M, based on the latest data in our nightly-refreshed cache.
When does Shore Bancshares, Inc.'s fiscal year end?
SHBI's fiscal year ends in December. Its most recent annual filing covers the fiscal year ending 2025-12-31.
What growth is priced into SHBI stock?
At today's market cap of $738.37M, Shore Bancshares, Inc. is priced for free-cash-flow growth of about 1.2% per year for 10 years (assuming a 10% discount rate and 2.5% terminal growth, base FCF $59.22M from the FY ending 2025-12-31). For comparison, free cash flow actually grew 29.8%/yr over the last five fiscal years and revenue 89.5%/yr, computed from its SEC filings.
Where does this data come from?
All figures are computed from Shore Bancshares, Inc.'s official SEC filings (10-K and 10-Q), covering 17 years of history, refreshed nightly. stockportfolio.pro does not provide investment advice.