Shore Bancshares Balance Sheet Health
Financial Health criteria checks 6/6
Shore Bancshares has total assets of $5.9B and total equity of $533.3M. Total deposits are $5.2B, and total loans are $4.7B. It earns a Net Interest Margin of 3.1%. It has sufficient allowance for bad loans, which are currently at 0.3% of total loans. Cash and short-term investments are $183.9M.
Key information
11.1x
Asset to equity ratio
3.1%
Net interest margin
| Total deposits | US$5.23b |
| Loan to deposit ratio | Appropriate |
| Bad loans | 0.3% |
| Allowance for bad loans | Sufficient |
| Current ratio | Low |
| Cash & equivalents | US$183.89m |
Recent financial health updates
No updates
Recent updates
Shore Bancshares (NASDAQ:SHBI) Is Paying Out A Dividend Of $0.12
May 07
Shore Bancshares' (NASDAQ:SHBI) Dividend Will Be $0.12
Nov 12With EPS Growth And More, Shore Bancshares (NASDAQ:SHBI) Makes An Interesting Case
Mar 14Shore Bancshares to commence up to $5.0M share repurchase program
Jul 06Analysts Are Betting On Shore Bancshares, Inc. (NASDAQ:SHBI) With A Big Upgrade This Week
Feb 18Shore Bancshares (NASDAQ:SHBI) Will Pay A Dividend Of US$0.12
Nov 06Shore Bancshares (NASDAQ:SHBI) Is Due To Pay A Dividend Of US$0.12
Aug 08Here's Why We Think Shore Bancshares (NASDAQ:SHBI) Is Well Worth Watching
Jun 14We Think Some Shareholders May Hesitate To Increase Shore Bancshares, Inc.'s (NASDAQ:SHBI) CEO Compensation
May 06What Is The Ownership Structure Like For Shore Bancshares, Inc. (NASDAQ:SHBI)?
Mar 15Shore Bancshares, Inc. (NASDAQ:SHBI) Passed Our Checks, And It's About To Pay A US$0.12 Dividend
Feb 07Financial Position Analysis
Debt to Equity History and Analysis
Balance Sheet
Financial Institutions Analysis
Asset Level: SHBI's Assets to Equity ratio (11.1x) is moderate.
Allowance for Bad Loans: SHBI has a sufficient allowance for bad loans (384%).
Low Risk Liabilities: 97% of SHBI's liabilities are made up of primarily low risk sources of funding.
Loan Level: SHBI has an appropriate level of Loans to Assets ratio (79%).
Low Risk Deposits: SHBI's Loans to Deposits ratio (89%) is appropriate.
Level of Bad Loans: SHBI has an appropriate level of bad loans (0.3%).
Discover healthy companies
Company Analysis and Financial Data Status
| Data | Last Updated (UTC time) |
|---|---|
| Company Analysis | 2025/01/05 02:44 |
| End of Day Share Price | 2025/01/03 00:00 |
| Earnings | 2024/09/30 |
| Annual Earnings | 2023/12/31 |
Data Sources
The data used in our company analysis is from S&P Global Market Intelligence LLC. The following data is used in our analysis model to generate this report. Data is normalised which can introduce a delay from the source being available.
| Package | Data | Timeframe | Example US Source * |
|---|---|---|---|
| Company Financials | 10 years |
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| Analyst Consensus Estimates | +3 years |
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| Market Prices | 30 years |
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| Ownership | 10 years |
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| Management | 10 years |
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| Key Developments | 10 years |
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* example for US securities, for non-US equivalent regulatory forms and sources are used.
Unless specified all financial data is based on a yearly period but updated quarterly. This is known as Trailing Twelve Month (TTM) or Last Twelve Month (LTM) Data. Learn more here.
Analysis Model and Snowflake
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Industry and Sector Metrics
Our industry and section metrics are calculated every 6 hours by Simply Wall St, details of our process are available on .
Analyst Sources
Shore Bancshares, Inc. is covered by 6 analysts. 2 of those analysts submitted the estimates of revenue or earnings used as inputs to our report. Analysts submissions are updated throughout the day.
| Analyst | Institution |
|---|---|
| Cary Morris | BB&T Capital Markets |
| Matthew Schultheis | Boenning & Scattergood, Inc. |
| John Rodis | Janney Montgomery Scott LLC |