SHBI FINANCIAL STATEMENTS

Shore Bancshares Inc — balance sheet, income statement and cash flow trends

SHBIShore Bancshares Inc

🇺🇸 USA · NASDAQ · Financial Services · Banks - Regional

Value it Duel

Income Statement

Quarterly progression — trailing-twelve-month values

RevenueNet Income

Profit Funnel

Q1 2026 · TTM

Percentages are relative to revenue.

Key Figures

YoY change

Revenue345.3 M $+4.1%

Gross Profit224.4 M $+11.3%

Operating Income83.1 M $+25.2%

EBITDA97.9 M $+18.8%

Net Income62.8 M $+27.0%

Peer Comparison· Banks - Regional

Company	Rev. Growth	Gross Margin	EBITDA Margin	Net Margin
SHBI	—	—	—	18.2%
NWG	—	—	—	20.1%
TSKB	—	—	—	54.9%
LLOY	—	—	—	25.9%
SKBNK	—	—	—	14.2%
LB	—	—	—	1.4%
Industry median	—	67.2%	20.4%	20.6%

Balance Sheet

Quarterly period-end values

Total AssetsTotal LiabilitiesEquity

Capital Structure

Q1 2026

Equity602.7 M $10%
Current Liabilities1.5 M $0%
Long-term Liabilities5.6 B $90%

Key Figures

YoY change

Total Assets6.2 B $+0.5%

Total Liabilities5.6 B $-0.4%

Total Equity602.7 M $+9.1%

Cash & ST Investments44.1 M $-92.2%

Total Debt99.6 M $-26.8%

Net Debt55.6 M $—

Peer Comparison· Banks - Regional

Company	Current Ratio	Debt/Equity	NetDebt/EBITDA	Equity/Assets
SHBI	42.84	16.5%	0.57	9.7%
NWG	0.25	17.0%	-14.68	5.2%
TSKB	—	0.0%	-0.47	13.4%
LLOY	0.12	209.8%	5.39	5.0%
SKBNK	—	0.0%	-13.41	5.9%
LB	0.01	744.5%	280.57	5.3%
Industry median	0.31	38.0%	-0.58	11.0%

Company	Current Ratio	Debt/Equity	NetDebt/EBITDA	Equity/Assets
SHBI	42.84	16.5%	0.57	9.7%
FISI	0.04	35.6%	0.39	10.0%
ALRS	0.75	52.5%	3.17	10.9%
IBCP	61.78	14.5%	0.28	9.2%
ORRF	52.80	43.6%	-6.07	10.8%
SMBK	1.03	18.1%	-11.24	9.5%
Industry median	0.31	38.0%	-0.58	11.0%

Cash Flow Statement

Quarterly progression — trailing-twelve-month values

Operating Cash FlowCapital ExpendituresFree Cash Flow

Cash Flow Bridge

Q1 2026 · TTM

Key Figures

YoY change

Operating Cash Flow74.2 M $+15.4%

Capital Expenditures3.2 M $-27.8%

Free Cash Flow71 M $+18.6%

Dividends Paid-16.1 M $-200.2%

Peer Comparison· Banks - Regional

Company	CF Margin	FCF Margin	CapEx Ratio	CF/Net Income
SHBI	21.5%	20.5%	0.9%	118.1%
NWG	—	—	0.0%	—
TSKB	54.9%	71.9%	17.0%	100.0%
LLOY	—	—	0.0%	—
SKBNK	14.2%	31.2%	17.0%	100.0%
LB	-1.8%	-3.5%	1.7%	-134.2%
Industry median	23.6%	22.1%	1.5%	111.4%

Company	CF Margin	FCF Margin	CapEx Ratio	CF/Net Income
SHBI	21.5%	20.5%	0.9%	118.1%
FISI	8.6%	7.2%	2.7%	41.1%
ALRS	26.5%	26.2%	3.4%	323.4%
IBCP	11.6%	8.3%	3.2%	51.3%
ORRF	25.0%	24.3%	0.7%	105.6%
SMBK	19.7%	16.6%	3.1%	120.9%
Industry median	23.6%	22.1%	1.5%	111.4%

Amounts are in the company’s reporting currency. Peer comparison tables use ratio-based metrics so currency differences do not distort the picture.

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Data on this page refreshes once per day. Price data as of Jul 2, 26. This content is for informational purposes only and is not investment advice.