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Shore Bancshares SHBI Cash surrender value of life insurance policies

Cash surrender value of life insurance policies at other companies

HOM
Home BancSharesHOMB
$221.83M+0.1%
International Bancshares logo
International BancsharesIBOC
$311.73M+2.2%

Other financials

Income statement

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Revenue$59.8M+12.8%
Net income$17.1M+24.1%
EPS (diluted)$0.51+24.4%

Balance sheet

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Cash & equivalents$340.8M-12.4%
Total debt$10.6M-12.9%
Total equity$602.7M+9.1%
Total assets$6.2B+0.5%

Cash flow

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Operating cash flow$31.6M+59.6%
CapEx$1.1M+6.2%
Free cash flow$30.5M+62.5%

Valuation

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Market cap$758.78M+56.3%
Enterprise value$428.57M+289%
P/E12.1×+2.3×
P/S3.3×+0.9×

Profitability

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Net margin27.1%+3.2pp
FCF margin28.9%—

Returns & leverage

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Return on equity10.9%+1.6pp
Debt / equity0×0.0×

Where this comes from

Reported directly by Shore Bancshares in its filing.

Tagged under the XBRL concept us-gaap:CashSurrenderValueOfLifeInsurance.

The official record: Shore Bancshares’s 10-Q, filed May 4, 2026, on SEC EDGAR. View the filing →

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Questions, answered.

What is Shore Bancshares's cash surrender value of life insurance policies?
Shore Bancshares (SHBI) reported cash surrender value of life insurance policies of $106.68M in Q1 2026.
How has Shore Bancshares's cash surrender value of life insurance policies changed year-over-year?
Shore Bancshares's cash surrender value of life insurance policies increased by 1.6% year-over-year, from $105.04M to $106.68M.
What is the long-term trend for Shore Bancshares's cash surrender value of life insurance policies?
Over 4 years (2021 to 2025), Shore Bancshares's cash surrender value of life insurance policies has grown at a 21.9% compound annual growth rate (CAGR), from $47.94M to $105.84M.
What does cash surrender value of life insurance policies mean?
This reflects the accumulated cash value of bank-owned life insurance policies covering key employees or executives. It represents a long-term asset that provides tax-advantaged growth and serves as a stable component of the bank's non-interest income strategy.