SHBINasdaqNational Commercial BanksUS GAAP · USD

Shore Bancshares, Inc

Shore Bancshares Inc. is a Maryland-based bank holding company that operates primarily through Shore United Bank, N.A. The bank provides consumer and commercial banking, deposit products, secondary mortgage lending, trust and wealth management services across Maryland, Delaware, and Virginia.

Liikevaihto20,9milj. USD
−0,3 %v/v
Nettotulos59,5milj. USD
+35,6 %v/v
Vapaa kassavirta59,2milj. USD
+42,1 %v/v

Tilikausi 2025 · muutos edellisvuodesta

Kehitys 2020–2025

0510152025milj. USD2020: 9,2 milj. USD20202021: 11 milj. USD20212022: 15 milj. USD20222023: 18 milj. USD20232024: 21 milj. USD20242025: 21 milj. USD202521
LiikevaihtoLiikevoitto (EBIT)

Liiketoiminta

Osuus liikevaihdosta
Commercial and consumer banking55 %

Lending, deposit, and transaction banking services for individuals and businesses.

Deposit and treasury services20 %

Checking, savings, money market, CDs, CDARS, ICS, and cash management products.

Wealth management and trust15 %

Investment, insurance, financial planning, trustee, and trust administration services.

Mortgage and specialty lending7 %

Secondary mortgage lending and specialty consumer loan products such as home equity loans.

Title and settlement services3 %

Residential and commercial real estate settlement, title insurance, and related services.

Tuotteet

Raportoitu · osuus liikevaihdosta
34,0%30,2%18,1%17,8%FY2025100 %
  • Product and Service Interchange Income34,0 %
  • Deposit Account30,2 %
  • Product and Service Noninterest Income Other Operating Income18,1 %
  • Product and Service Trust and Investment Management Fee Income17,8 %

Lähde: 10-K FY2025, yhtiön tuotelinjoittain raportoima liikevaihto (SEC XBRL). Osuudet on laskettu näytetyistä riveistä ja ne summautuvat 100 %:iin.

Asiakkaat

The company serves retail customers, small and mid-sized businesses, and commercial clients in its branch markets. It also serves higher-balance depositors and customers seeking treasury, trust, insurance, and financial planning services. Wealth and trust offerings extend to customers within its market areas and nationwide.

Retail banking customers

Individuals and households buying deposit accounts, consumer loans, and payment services.

Small and middle-market businesses

Businesses using commercial loans, operating accounts, and cash management.

Wealth and trust clients

Customers buying investment, insurance, trustee, and financial planning services.

Real estate and mortgage customers

Borrowers and property buyers using mortgage-related and settlement services.

Strategia

The company’s strategy centers on maintaining capital strength, growing core banking relationships, and using its branch and employee network to deepen customer ties. It also emphasizes cross-selling deposits, lending, wealth, trust, and insurance services to increase relationship depth and fee income. Regulatory capital discipline and selective market investment are central to its operating model.

Deepen customer relationships across banking and wealth productsKeskipitkä aikaväli

Relationship banking supports deposit retention, loan growth, and fee generation.

Preserve capital and liquidity disciplineLyhyt aikaväli

A bank holding company must support lending growth while meeting regulatory requirements.

Compete on service quality and local market presenceKeskipitkä aikaväli

Community and regional banking depend on customer convenience and personal service.

Maantiede

Shore Bancshares is headquartered on Maryland’s Eastern Shore and operates mainly in Maryland, Delaware, and Virginia. Its branch network is concentrated in specific counties across those states, which makes local market conditions important to loan demand, deposit gathering, and credit quality. Wealth and trust services are offered both within the core footprint and nationwide.

Riskit

Shore Bancshares is exposed to local economic concentration, interest-rate sensitivity, credit losses, and deposit competition, which are typical for regional banks. It also faces cybersecurity, vendor, and operational risks because its business depends on transaction processing, customer data, and third-party systems. Goodwill and acquisition integration are additional risks because the company has grown through acquisitions and carries intangible assets.

Järjestetty vakavuuden mukaan
MatalaKohtalainenKorkeaMatalaKohtalainenKorkeaVaikutus →Todennäköisyys →Geographic concentration in a limited Mid-Atlantic footprint1Credit losses and allowance for credit losses volatility2Cybersecurity and information-system disruption3Interest-rate and liquidity risk4Goodwill and intangible asset impairment5
Vaikutus on riskin vakavuus ja todennäköisyys sen toteutumisen todennäköisyys lähivuosina, molemmat arvioitu yhtiön raporttien perusteella. Numerot vastaavat listaa.
  1. Geographic concentration in a limited Mid-Atlantic footprintVaikutus: KorkeaTodennäköisyys: Kohtalainen

    A regional slowdown can affect borrowers, deposits, and collateral values at the same time.

    KohdistuuMarylandDelawareVirginia markets
  2. Credit losses and allowance for credit losses volatilityVaikutus: KorkeaTodennäköisyys: Kohtalainen

    Loan performance depends on borrower health and management estimates of expected losses.

    KohdistuuCommercialConsumerSpecialty loan portfolios
  3. Cybersecurity and information-system disruptionVaikutus: KorkeaTodennäköisyys: Kohtalainen

    Banking relies on secure processing of sensitive customer and payment data.

    KohdistuuCore bankingCustomer dataThird-party vendors
  4. Interest-rate and liquidity riskVaikutus: KeskitasoTodennäköisyys: Kohtalainen

    Funding costs and asset yields can reprice at different speeds, affecting earnings and liquidity.

    KohdistuuDepositsLoansInvestment securities
  5. Goodwill and intangible asset impairmentVaikutus: KeskitasoTodennäköisyys: Matala

    Acquired businesses and customer relationships may lose value if performance weakens.

    Kohdistuu: Acquisition-related intangible assets

Kirjanpito

Harkinnanvaraiset erät
Allowance for credit losses on loans

This estimate drives the provision for credit losses and can materially change earnings.

Vaikutus: Loan loss reserve and provision expense

Goodwill and intangible asset impairment

Acquisition-related assets must be tested for recoverability and may be written down.

Vaikutus: Non-cash impairment charges

Fee income recognition

Trust, wealth, insurance, and title fees may be recognized when services are performed.

Vaikutus: Noninterest income timing

Interest income and deposit cost repricing

Asset and liability repricing affects net interest income and quarterly comparability.

Vaikutus: Net interest income and margin

Julkisesti listattuja yhtiöitä, joilla on samankaltainen liiketoiminta.

Päivitetty: 24.9.2026

Shore Bancshares, Inc (SHBI) liikevaihto, tulos ja tunnusluvut 2025 – Clarifo