NASDAQ$SHBI

Shore Bancshares Inc · Q4 2025 earnings

Q4 2025 earnings · · After market close · Investor relations

Briefing

Shore Bancshares reported Q4 2025, net income of $15.9M, diluted EPS of $0.48.

For Q4 2025, Shore Bancshares reported net income of $15.9M, diluted EPS was $0.48. The filing discusses segment trends, liquidity, and management's outlook for upcoming periods.

  • Net income $15.9M.
  • Diluted EPS $0.48.
  • Shore Bancshares updated capital allocation and operating priorities.

Headline financials

Total Revenue

$50.4M

Previous: $44M+14.6%
EPS (adj)

$0.48

Previous: $0.40+20.0%
Return on Avg Assets

1.0%

Previous: 0.9%+18.6%
Adj Return on Avg Assets

1.1%

Previous: 0.9%+18.1%
Return on Avg Equity

10.8%

Previous: 9.3%+15.4%
Return on Avg Tangible Equity

14.1%

Previous: 13.2%+7.2%
Efficiency Ratio (GAAP)

60.1%

Previous: 64.2%-6.5%
Efficiency Ratio (Non-GAAP)

56.6%

Previous: 60.3%-6.1%
Net Interest Margin

3.4%

Previous: 3.0%+13.2%
Net Charge-offs to Avg Loans

0.3%

Previous: 0.1%+163.6%
Nonaccrual Loans to Total Loans

0.8%

Previous: 0.4%+86.4%
NPA to Total Loans & OREO

0.9%

Previous: 0.5%+69.2%
Nonaccrual Loans to Total Assets

0.6%

Previous: 0.3%+88.2%
NPA to Total Assets

0.7%

Previous: 0.4%+72.5%
Classified Assets to Total Assets

1.0%

Previous: 0.5%+113.3%
Equity to Assets

9.4%

Previous: 8.7%+8.5%
Tangible Equity to Tangible Assets

8.1%

Previous: 7.2%+12.4%
Noninterest Income to Avg Assets

0.6%

No prior period
Noninterest Expense to Avg Assets

2.3%

No prior period
Net Op Exp to Avg Assets (GAAP)

1.7%

No prior period
Net Op Exp to Avg Assets (Non-GAAP)

1.6%

No prior period
Net Interest Income

$50.4M

No prior period
Net Income

$15.9M

Previous: $13.3M+19.7%
Operating Income

$23.6M

Previous: $18.1M+30.1%

Revenue & EPS history

Shore Bancshares · Revenue · Quarterly

$50.4M

Q4 2025+14.6%vs Q4 2024
Beat estimate in 9 of 15 quarters(60%)
ActualEstimate

Forward guidance

Management discusses Shore Bancshares's outlook, including capital deployment, operating priorities, and key risks, alongside any formal guidance in the earnings materials.

Tailwinds

  • Shore Bancshares cites execution on strategic priorities and demand in core markets.
  • Liquidity and balance sheet capacity support continued investment and returns.

Headwinds

  • Macro, rates, and input costs may pressure margins or volumes.
  • Segment mix and non-recurring items can affect sequential comparability.

Historical earnings impact

How earnings announcements have historically affected this stock's price.

Avg. return before/after earnings

Based on 20 quarterly earnings reports · overlaid with Q4 2025

Historical avgQ4 2025

-0.2%

Avg return

Earnings day

+0.3%

Avg return

5 days after

+1.6%

Avg return

30 days after

52%

34 / 66 earnings

Positive

+6.6%

Q3 2016

Best reaction

-13.1%

Q1 2020

Worst reaction

Earnings price reactions
QuarterReport dateReaction (Day 0)+5 days+30 days
Q1 2026+1.9%+2.0%+5.4%
Q4 2025+0.4%+7.5%+1.1%
Q3 2025-0.3%-1.1%+5.1%
Q2 2025-2.1%-0.9%+6.0%
Q1 2025+2.8%+3.5%+1.8%
Q4 2024+3.5%+3.0%-4.1%
Q3 2024-0.7%+1.2%+14.6%
Q2 2024+6.3%+6.2%+2.5%
Q1 2024+6.3%+5.2%+7.2%
Q4 2023-11.3%-18.9%-18.1%
Q3 2023+5.8%+12.0%+23.1%
Q2 2023-9.1%-10.6%-17.9%
Q1 2023+2.2%-10.0%-13.9%
Q4 2022-2.0%+0.6%-1.9%
Q3 2022+6.6%+7.7%+7.4%
Q2 2022+0.8%-0.4%+0.5%
Q1 2022+0.2%-0.9%-0.8%
Q4 2021+2.9%+7.8%+5.1%
Q3 2021+3.2%+6.0%+10.6%
Q2 2021+1.3%+1.6%+4.0%
Q1 2021+1.0%-0.1%+3.1%
Q4 2020-3.6%-0.9%+11.3%
Q3 2020-1.5%-7.6%+13.3%
Q2 2020+0.0%+1.2%+2.5%
Q1 2020-13.1%-20.7%-14.2%
Q4 2019+0.6%+0.5%-3.7%
Q3 2019+1.6%+0.9%+4.2%
Q2 2019+0.4%+1.4%-7.6%
Q1 2019+5.2%+4.8%+5.4%
Q4 2018+0.5%-2.3%+3.4%
Q3 2018-5.2%-7.1%-7.9%
Q2 2018-0.7%+1.7%-0.6%
Q1 2018+0.4%+1.1%-1.2%
Q4 2017-1.1%+2.5%-2.0%
Q3 2017+2.1%+0.5%+1.2%
Q2 2017-1.3%+0.7%-3.7%
Q1 2017-1.9%-0.8%-8.4%
Q4 2016+1.1%+0.1%+9.8%
Q3 2016+6.6%+8.9%+17.7%
Q2 2016+1.4%+4.3%+2.7%
Q1 2016-2.8%
Q4 2015-1.7%
Q3 2015+3.1%
Q2 2015-0.6%
Q1 2015+1.2%
Q4 2014-0.4%
Q3 2014-0.3%
Q2 2014+1.0%
Q1 2014-0.3%
Q4 2013+0.7%
Q3 2013-0.7%
Q2 2013+3.2%
Q1 2013+1.6%
Q4 2012-0.7%
Q3 2012-1.0%
Q2 2012-2.7%
Q1 2011+5.3%
Q1 2012+0.1%
Q4 2010-0.2%
Q4 2011-0.2%
Q4 2009-0.2%
Q3 2011-3.8%
Q3 2010-3.8%
Q2 2010-12.0%
Q2 2011-12.0%
Q1 2010+3.0%

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