SHORE BANCSHARES INC
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Financials
SEC XBRL · annual| FY25 | FY24 | FY23 | FY22 | FY21 | FY20 | |
|---|---|---|---|---|---|---|
| Revenue | $20.9M | $20.9M | $18.3M | $15.3M | $11.0M | $9.2M |
| Operating income | — | — | — | — | — | — |
| Net income | $59.5M | $43.9M | $11.2M | $31.2M | $4.0M | $3.1M |
| Total assets | $6.26B | $6.23B | $6.01B | $3.48B | $3.46B | $1.93B |
| Total liabilities | $5.67B | $5.69B | $5.50B | $3.11B | $3.11B | $1.74B |
| Equity | $589.9M | $541.1M | $511.1M | $364.3M | $350.7M | $195.0M |
| EPS (diluted) | $1.78 | $1.32 | $0.42 | $1.57 | $1.17 | $1.27 |
| Shares out. | 33.4M | 33.2M | 19.9M | 19.8M | 11.8M | 12.5M |
Reported figures from the company's SEC filings (XBRL). Blank where a line item isn't cleanly tagged — never estimated.
Key ratios
from filings · FY2025- Operating margin
- —
- Net margin
- 285.4%
- Return on equity
- 10.1%
- Return on assets
- 1.0%
- Return on capital (ROCE)
- —
- Liabilities / assets
- 90.6%
- Debt / equity
- 9.61×
- Book value / share
- $17.69
- Revenue growth (YoY)
- −0.3%
- Net income growth (YoY)
- 35.6%
Computed from the company's own SEC figures — no market price, so these are facts, not a valuation. Book value per share is reported equity ÷ shares; it is not the stock price.
Financial health
forensic scores · FY2025- Accruals / assets
- −0.0%clean
- Piotroski F-Score
- 5/7mixed
Altman Z″is a textbook bankruptcy-distress score from book values only (>2.6 safe · 1.1–2.6 grey · <1.1 distress). Accruals = (net income − operating cash flow) ÷ assets; persistently high accruals are an earnings-quality red flag. Beneish M-Scoreis an eight-ratio screen comparing this year with last (M > −1.78 = elevated manipulation-risk screen, not proof). Piotroski F-Scorecounts how many of nine fundamental-health checks pass (shown as passed / applicable; we use operating margin and total liabilities as documented proxies where the exact input isn't XBRL-tagged). Computed from SEC filings — descriptive factors, not advice or a forecast.
Quality score
EDS ScoreOur own multi-factor score from free SEC data — profitability, growth, financial strength, earnings quality, and event/ownership catalysts. No market price and no licensed model: each axis is the share of source-backed checks it passes. Descriptive factors, not advice or a forecast.
Signs
● 2 warning● 2 good- Revenue declined year-over-year
- High leverage (liabilities > 70% of assets)
- Positive operating cash flow
- Clean earnings (low accruals)
Derived from the company's own SEC figures (fundamentals, forensic scores, filing discipline) — descriptive factors, not advice or a forecast.
5%+ owners
SEC Schedule 13D / 13G · last 3 yrs- Dimensional Fund Advisors LpPassive (13G)Apr 9, 2026
- Vanguard Group IncPassive (13G)Mar 27, 2026
- Blackrock, Inc.Passive (13G)Feb 6, 2026
- Fourthstone LlcPassive (13G)May 13, 2025
Holders who disclosed a 5%+ stake. 13D signals intent to influence or control; 13G is a passive holding. Latest filing per holder — open it for the exact stake.
Material events
SEC Form 8-K · most recent- Item 5.05May 22, 2026
- Shareholder voteMay 20, 2026
- Regulation FD disclosureMay 4, 2026
- Results of operationsApr 23, 2026
- Regulation FD disclosureFeb 2, 2026
- Other material eventJan 28, 2026
- Results of operationsJan 28, 2026
- Director / officer changeDec 17, 2025
Events the company reported on Form 8-K, labelled by the SEC item code it filed under — its own classification, not our interpretation.
Recent SEC filings
All filings ↗Event-driven situations (2)
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