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Shore Bancshares SHBI Interchange credits

Interchange credits at other companies

First Financial Corporation logo
First Financial CorporationTHFF
$186K-13.1%
Orrstown Financial Services logo
Orrstown Financial ServicesORRF
$1.51M+6.0%
Independent Bank Corporation logo
Independent Bank CorporationIBCP
$3.23M+3.4%
SBC
Seacoast Banking Corporation of FloridaSBCF
$2.07M+14.4%
F.N.B. Corporation logo
F.N.B. CorporationFNB
$13M+8.3%
Financial Institutions logo
Financial InstitutionsFISI
$1.89M+2.8%

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+55.5%
Enterprise value$428.57M+286%
P/E12.1×+2.2×
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 shbi:InterchangeCreditIncome.

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 interchange credits?
Shore Bancshares (SHBI) reported interchange credits of $1.7M in Q1 2026.
How has Shore Bancshares's interchange credits changed year-over-year?
Shore Bancshares's interchange credits increased by 7.7% year-over-year, from $1.58M to $1.7M.
What is the long-term trend for Shore Bancshares's interchange credits?
Over 4 years (2021 to 2025), Shore Bancshares's interchange credits has grown at a 15.6% compound annual growth rate (CAGR), from $3.96M to $7.09M.
What does interchange credits mean?
This represents the transaction fees earned by the bank when customers use debit or credit cards issued by the institution. It is a recurring, volume-driven non-interest income stream tied to consumer spending habits and card usage. Higher interchange income indicates strong customer engagement with the bank's payment products.