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Shore Bancshares (SHBI) investor relations material
Shore Bancshares Q3 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q3 2025 earnings summary23 Oct, 2025
Executive summary
Net income for Q3 2025 was $14.3M ($0.43 per share), up 28% year-over-year but down from $15.5M in Q2 2025, reflecting lower noninterest income and higher loan loss provisions, partially offset by higher net interest income.
Net income for the nine months ended September 30, 2025 was $43.6M, a 42.5% increase from $30.6M in the same period of 2024, driven by higher net interest income and lower deposit costs.
Book value per share rose to $17.27 at September 30, 2025, from $16.00 a year earlier and $16.94 at June 30, 2025.
Total assets reached $6.28B, up 0.8% from December 31, 2024, and 6.1% year-over-year, driven by loan portfolio growth.
Financial highlights
Net interest income for Q3 2025 was $48.7M, up 12.5% year-over-year and 3.0% sequentially; net interest margin increased to 3.42% from 3.17% a year ago.
Provision for credit losses in Q3 2025 was $3.0M, up from $1.5M in Q3 2024 and nearly double the prior quarter, due to a large marine loan write-off.
Noninterest income for Q3 2025 was $7.7M, up 5.7% year-over-year but down 17.4% sequentially.
Noninterest expense for Q3 2025 was $34.4M, up 0.8% year-over-year and stable sequentially.
Efficiency ratio improved to 61.00% (GAAP) in Q3 2025 from 67.49% a year ago; non-GAAP ratio was 57.30%.
Outlook and guidance
Management expects continued improvements in operating leverage through expense management and technology investments.
Ongoing focus on asset quality, prudent credit risk management, and sustainable long-term value.
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Next Shore Bancshares earnings date
Q4 202529 Jan, 2026
Next Shore Bancshares earnings date
Q4 202529 Jan, 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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