---
schema_version: "secwatch.filing_event.v1"
accession: "0001035092-25-000007"
form_type: "8-K"
ticker: "SHBI"
cik: "0001035092"
company_name: "SHORE BANCSHARES INC"
filed_at: "2025-07-24T23:59:59+00:00"
generated_at: "2026-05-18T01:53:01.046829+00:00"
event_type: "earnings"
sentiment: "positive"
materiality_score: 0.65
confidence: "high"
source: SEC EDGAR
---

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

## Summary
- 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.

## SEC filing metadata
- accession: 0001035092-25-000007
- form_type: 8-K
- ticker: SHBI
- cik: 0001035092
- company_name: SHORE BANCSHARES INC
- filed_at: 2025-07-24T23:59:59+00:00
- event_type: earnings
- sentiment: positive
- materiality_score: 0.65
- confidence: high
- sec_items: 2.02, 9.01
- EDGAR index: https://www.sec.gov/Archives/edgar/data/1035092/000103509225000007/0001035092-25-000007-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/1035092/000103509225000007/shbi-20250724.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001035092-25-000007
- JSON: https://secwatch.observer/filing/0001035092-25-000007.json
- Plain text: https://secwatch.observer/filing/0001035092-25-000007.txt

This AI-assisted summary is a reading aid. Review the linked SEC EDGAR filing before relying on any specific claim.