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
$604.02M
PER (TTM)
10.2
13.9
配当利回り
2.7%
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
-$38.98M+0.00%
直近4四半期の推移
2025 Annual 決算ハイライト
主なハイライト
Strong Net Income Growth Net income reached $59.5 million in 2025, up from $43.9 million in 2024, driven by higher NII from loan growth and favorable repricing.
Net Interest Income Rises Tax-equivalent NII increased $21.8 million to $192.7 million; Net Interest Margin improved to 3.36% from 3.10% year-over-year.
Loan Portfolio Expansion Total net loans grew 2.70% to $4.84 billion by year-end 2025, supported by growth in CRE and residential real estate portfolios.
Robust Capital Adequacy Company CET1 ratio stood at 10.52% and Tier 1 Leverage ratio at 8.82%, maintaining well-capitalized regulatory status.
リスク要因
Nonperforming Assets Surge Nonperforming assets increased 74.25% to $43.2 million, primarily due to increases in commercial real estate and consumer nonaccrual loans.
Higher Credit Loss Provision Provision for credit losses rose to $8.375 million, reflecting loan growth and increased net charge-offs of $6.6 million during 2025.
Title Services Ceased Operations Wholly-owned Title Company ceased real estate closings effective March 31, 2025, impacting historical noninterest income streams.
Interest Rate Shock Exposure Management models show potential NII decline up to 10.1% under a 400 basis point parallel rate shock scenario.
見通し
Community Banking Strategy Focus Strategy remains focused on organic and strategic growth to establish a leading community banking franchise footprint in existing and contiguous areas.
Monitoring CRE Concentration Bank maintains heightened risk management for CRE portfolio, which represents 53.95% of total loans, despite regulatory scrutiny thresholds.
Funding Sources Stability Liquidity relies on core deposits, which funded 93.54% of earning assets in 2025; FHLB advances were zero at year-end 2025.
Enhanced Cybersecurity Governance Enterprise Risk Management Program emphasizes cross-functional approach to identify, prevent, and mitigate cybersecurity threats and incidents.
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%
77.1%
主要指標
銘柄コード | 時価総額 | PER (TTM) | ROE (TTM) | 負債比率 |
|---|---|---|---|---|
| SMBC | $693.49M | 10.7 | 11.8% | 2.9% |
| ALRS | $614.61M | 35.2 | 3.2% | 8.4% |
| SHBI | $604.02M | 10.2 | 10.4% | 1.8% |
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23日
EPS:$0.45
|売上高:$58.32M
財務データ
決算説明会
財務レポート
ニュース
損益計算書
バランスシート
キャッシュフロー計算書
財務比率
変化率
損益計算書 | 直近12ヶ月 |
|---|
データなし