Shore Bancshares, Inc.
NASDAQ•SHBI
CEO: Mr. James M. Burke
セクター: Financial Services
業種: Banks - Regional
上場日: 2001-04-09
Shore Bancshares, Inc. operates as a bank holding company for the Shore United Bank, N.A. that provides various commercial and consumer banking products and services to individuals, businesses, and other organizations. It offers checking, savings, overnight investment sweep, and money market accounts; and regular and IRA certificates of deposit, as well as CDARS programs and cash management services. The company also provides commercial loans, such as secured and unsecured loans, working capital loans, lines of credit, term loans, accounts receivable financing, real estate acquisition and development loans, construction loans, and letters of credit; residential real estate construction loans; residential mortgage loans; and loans to consumers, including home equity, automobile, installment, home improvement, and personal lines of credit, as well as other consumer financing products. In addition, it offers trust, asset management, and financial planning services; treasury management services, such as merchant card processing, remote deposit capture, and ACH origination, as well as telephone, mobile, and Internet banking services; safe deposit boxes; debit and credit cards; and automatic teller machine services. Shore Bancshares, Inc. was founded in 1876 and is headquartered in Easton, Maryland.
連絡先情報
時価総額
$661.52M
PER (TTM)
11.1
15
配当利回り
2.4%
52週高値
$20.68
52週安値
$11.47
52週レンジ
順位42Top 47.5%
3.9
F-Score
改良版 Piotroski 分析
10年ファンダメンタル
弱い • 3.9 / 9 ポイント
スコアレンジ (0-9)
8-9: 価値が優れている
6-7: 基礎体質が強い
4-5: 全体的に堅調
0-3: パフォーマンスが弱い
データ期間: 2016-2025
財務ダッシュボード
Q4 2025 データ
売上高
$88.82M+4.18%
直近4四半期の推移
EPS
$0.48+20.00%
直近4四半期の推移
フリーCF
$0.00+0.00%
直近4四半期の推移
2025 Q3 決算ハイライト
主なハイライト
Strong Nine-Month Net Income Net income for nine months reached $43.6M, a 42.5% increase from $30.6M last year, primarily driven by higher net interest income.
Net Interest Margin Expansion Q3 NIM improved 25 basis points year-over-year to 3.42%, resulting from favorable loan repricing and a lower overall cost of deposits.
Loan Portfolio Growth Total net loans increased $111.0M sequentially to $4.82B by September 30, 2025, reflecting modest overall loan portfolio expansion.
Robust Capital Ratios Company CET1 ratio was 10.21% and Leverage ratio was 8.86%, demonstrating strong capital adequacy well above regulatory minimums.
リスク要因
Deteriorating Asset Quality Classified assets to total assets ratio significantly increased to 0.83% from 0.45% since year-end, indicating higher credit risk concentration.
Higher Credit Loss Provision Provision for credit losses for the quarter was $3.0M, more than double the prior year's $1.5M, due to a large marine loan write-off.
Interest Rate Shock Exposure Economic Value of Equity sensitivity exceeded internal policy limits under the -200 basis point interest rate shock scenario.
Reduced Fee Income Noninterest income decreased $1.6M sequentially, primarily due to reduced mortgage banking activity following Title Company cessation.
見通し
Focus on Operating Leverage Management anticipates continued improvements in operating leverage through ongoing expense management of professional services and technology investments.
Credit Quality Management Management remains focused on disposing of problem loans and prudently charging off nonperforming assets to maintain overall credit quality.
Capital Compliance Maintained The Bank was classified as 'well-capitalized' and satisfied all capital conservation buffer requirements as of September 30, 2025.
Deposit Funding Monitoring The Company monitors large deposit relationships and concentration risks, noting seasonal runoff in interest-bearing checking deposits.
同業比較
売上高 (TTM)
$455.97M
$366.95M
$342.72M
粗利益率 (最新四半期)
83.9%
82.9%
ACNB77.1%
主要指標
銘柄コード | 時価総額 | PER (TTM) | ROE (TTM) | 負債比率 |
|---|---|---|---|---|
| SMBC | $717.15M | 11.0 | 11.8% | 2.9% |
| SHBI | $661.52M | 11.1 | 10.4% | 1.8% |
| ALRS | $641.28M | 36.8 | 3.2% | 8.4% |
長期トレンド
直近4四半期
売上高
純利益
営業キャッシュフロー
4四半期売上高CAGR
2.3%
緩やかな成長
4四半期純利益CAGR
4.9%
収益性の緩やかな改善
キャッシュフロー安定性
50%
キャッシュフローに注意が必要
深度リサーチ
次回決算:2026年4月27日
EPS:-
|売上高:-
財務レポート
財務データ
全年度
Form 10-Q - Q3 2025
会計期末: 2025年9月30日|提出日: 2025年11月4日|売上高: $84.89M+3.6%|EPS: $0.43+26.5%予想を下回るForm 10-Q - Q2 2025
会計期末: 2025年6月30日|提出日: 2025年8月7日|売上高: $85.94M+5.4%|EPS: $0.46+35.3%予想を上回るForm 10-Q - Q1 2025
会計期末: 2025年3月31日|提出日: 2025年5月8日|売上高: $83.07M+6.9%|EPS: $0.41+64.0%予想を上回るForm 10-K - FY 2024
会計期末: 2024年12月31日|提出日: 2025年3月10日|売上高: $326.49M+36.9%|EPS: $1.32+214.3%予想を上回るForm 10-Q - Q3 2024
会計期末: 2024年9月30日|提出日: 2024年11月7日|売上高: $81.98M+5.9%|EPS: $0.34-217.2%予想を下回るForm 10-Q - Q2 2024
会計期末: 2024年6月30日|提出日: 2024年8月9日|売上高: $81.55M+94.5%|EPS: $0.34+70.0%予想を上回るForm 10-Q - Q1 2024
会計期末: 2024年3月31日|提出日: 2024年5月9日|売上高: $77.71M+92.4%|EPS: $0.25-21.9%予想を下回るForm 10-K - FY 2023
会計期末: 2023年12月31日|提出日: 2024年3月15日|売上高: $238.42M+74.1%|EPS: $0.42-73.2%予想を下回る