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Shore Bancshares SHBI Interchange income — Noninterest income (in-scope of Topic 606)

Other product segments

Service charges on deposit accounts
$1.6M+5.4%
Trust and investment fee income
$1.14M+38.2%
Other noninterest income
$958K+11.8%

Similar metrics at other companies

German American Bancorp logo
GABCInterchange Fee Income — Non-interest Income (in-scope of Topic 606)
$4.78M+8.0%
Independent Bank Corporation logo
IBCPInterchange income — Revenue from contracts with customers
$3.23M+3.4%
First Commonwealth Financial logo
FCFNon Interest Income Interchange
$3.9M-28.7%
Independent Bank Corporation logo
IBCPInterchange income
$3.23M+3.4%
Trustco Bank Corp logo
TRSTInterchange Income — Revenue
$1.1M-26.1%
SBC
SBCFInterchange income
$2.07M+14.4%

Other financials

Income statement

See full
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

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

Returns & leverage

See full
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:RevenueFromContractWithCustomerExcludingAssessedTax.

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 income — noninterest income (in-scope of topic 606)?
Shore Bancshares (SHBI) reported interchange income — noninterest income (in-scope of topic 606) of $1.7M in Q1 2026.
How has Shore Bancshares's interchange income — noninterest income (in-scope of topic 606) changed year-over-year?
Shore Bancshares's interchange income — noninterest income (in-scope of topic 606) increased by 7.7% year-over-year, from $1.58M to $1.7M.
What is the long-term trend for Shore Bancshares's interchange income — noninterest income (in-scope of topic 606)?
Over 2 years (2023 to 2025), Shore Bancshares's interchange income — noninterest income (in-scope of topic 606) has grown at a 11.4% compound annual growth rate (CAGR), from $5.71M to $7.09M.
What does interchange income — noninterest income (in-scope of topic 606) mean?
This metric represents the revenue generated from interchange fees earned on debit and credit card transactions processed through the bank's payment services. It reflects the noninterest income derived from facilitating electronic payment processing for customers, recognized in accordance with revenue recognition standards for contracts with customers. This income stream is a key indicator of the bank's transaction volume and its ability to monetize payment processing services within its community banking segment.