Shore Bancshares Q2 net income $15.5M ($0.46 EPS), up 35% YoY; NIM expands to 3.35%

SHORE BANCSHARES INC

2025-Q2 EPS reported $0.88 revenue$10,347,000

Net income $15.5M ($0.46 diluted EPS) vs Q1 $13.8M ($0.41) and Q2 2024 $11.2M ($0.34).
Net interest margin expanded 11 bps to 3.35% from 3.24% Q1; net interest income $47.3M.
ROAA 1.03% vs 0.91% Q1; efficiency ratio improved to 60.83% from 63.64%.
Book value per share $16.94, up from $15.74 a year ago; tangible equity ratio 7.88%.
Provision for credit losses $1.5M in Q2 vs $1.0M Q1; net charge-offs $649K.

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