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Shore Bancshares SHBI Q3 2025 earnings

Reported October 23, 2025 · Before market open

Revenue$56.4MMiss by $1.2M
EPS$0.48Beat by $0.03
Revenue estimate$57.6M
EPS estimate$0.45

Next report

Oct 22, 2026 (in 3 months)
Revenue estimate$61.3M
EPS estimate$0.52

Financials

Q3 2025

Income statement

See full
Revenue$56.4M+11.5%
Net income$14.3M+28.2%
EPS (diluted)$0.43+26.5%

Balance sheet

See full
Cash & equivalents$416.5M+127%
Total debt$11.4M-3.6%
Total equity$577.2M+8.2%
Total assets$6.3B+6.1%

Cash flow

See full
Operating cash flow$42.5M+369%
CapEx$586.0K-3.9%
Free cash flow$41.9M+396%

Valuation & ratios

Valuation

as of 09/30/25
See full
Market cap$548.38M+17.9%
Enterprise value$143.26M-51.1%
P/E9.6×-1.7×
P/S2.5×+0.2×

Profitability

See full
Net margin26%+5.2pp

Returns & leverage

See full
Return on equity10.2%+2.3pp
Debt / equity0×0.0×

Segments

By product

See full
Interchange income$1.9M+8.6%
Service charges on deposit accounts$1.6M+3.6%
Trust and investment fee income$898.0K+2.0%
Other noninterest income$777.0K+28.2%

Versus estimates

Revenue

Q2 2026$61.7MBeat by $1.3MQ1 2026$59.8MBeat by $1.4MQ4 2025$59.1MBeat by $1.3M
Q3 2025$56.4MMiss by $1.2M
Q2 2025$56.6MBeat by $870.0KQ1 2025$53.0MMiss by $768.0K

Diluted EPS

Q2 2026$0.60Beat by $0.10Q1 2026$0.55Beat by $0.10Q4 2025$0.53Beat by $0.04
Q3 2025$0.48Beat by $0.03
Q2 2025$0.51Beat by $0.10Q1 2025$0.45Beat by $0.10

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Questions, answered.

When did Shore Bancshares report Q3 2025 earnings?
Shore Bancshares (SHBI) reported Q3 2025 earnings on October 23, 2025 before market open.
What were Shore Bancshares's Q3 2025 revenue and EPS?
Shore Bancshares reported revenue of $56.4M and eps of $0.48 for Q3 2025.
Did Shore Bancshares beat estimates in Q3 2025?
Revenue missed the consensus estimate of $57.6M by $1.2M. EPS beat the consensus estimate of $0.45 by $0.03.
How did Shore Bancshares's Q3 2025 results compare year-over-year?
Compared to the same quarter a year prior, revenue grew 11.5% from $50.6M a year earlier and eps grew 41.2% from $0.34.
Where can I find Shore Bancshares's Q3 2025 SEC filings?
You can read the 10-Q periodic report (0001035092-25-000022) directly on SEC EDGAR. The filing index links above go to sec.gov.