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Shore Bancshares
Shore Bancshares (SHBI) investor relations material
Shore Bancshares Q4 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q4 2025 earnings summary28 Jan, 2026
Executive summary
Net income for Q4 2025 was $15.9M ($0.48/diluted share), up from $14.3M in Q3 2025 and $13.3M in Q4 2024; full-year 2025 net income was $59.5M, up from $43.9M in 2024.
Growth in net interest income and a one-time insurance gain drove quarterly and annual profit increases, partially offset by higher noninterest expenses and loan loss provisions.
Asset quality remains solid despite increases in nonperforming and classified assets, supported by strong collateral and reserves.
Financial highlights
Net interest income for Q4 2025 rose to $50.4M from $48.7M in Q3 2025 and $44.0M in Q4 2024; full-year net interest income was $192.4M, up 12.8% year-over-year.
Noninterest income for Q4 2025 was $8.7M, up $1.0M sequentially due to a one-time insurance receipt; full-year noninterest income increased 4.9% year-over-year.
Noninterest expense for Q4 2025 was $35.5M, up $1.1M from Q3 2025 and $1.6M from Q4 2024; full-year noninterest expense decreased 0.2% year-over-year.
Book value per share increased to $17.65 at year-end 2025 from $16.23 a year earlier.
Outlook and guidance
Management expects continued improvements in operating leverage through expense management and technology investments.
Confidence expressed in strengthening core profitability and delivering sustainable long-term shareholder value as 2026 begins.
Identify key drivers of rising nonperforming assets
Future impact of FHLB repayment on funding costs
Assess specific risks in the office CRE portfolio
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Next Shore Bancshares earnings date
Q1 202623 Apr, 2026
Shore Bancshares
Next Shore Bancshares earnings date
Q1 202623 Apr, 2026
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Frequently asked questions
Shore Bancshares Inc. is a financial holding company that operates primarily through its two subsidiaries, Shore United Bank, N.A. and Mid-Maryland Title Company, Inc. Shore United Bank offers a comprehensive range of consumer and commercial banking products and services, including mortgage lending, trust services, wealth management, and financial planning. The bank serves individuals, businesses, and organizations through its network of over 40 branches, ATMs, and loan production offices across several counties in Maryland and neighboring regions. The Mid-Maryland Title Company provides title services related to real estate transactions. The company is headquartered in Easton, Maryland, and its shares are listed on the NASDAQ.
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