Shore Bancshares Q3 net income $14.3M ($0.43 EPS) down from Q2; NIM expands to 3.42%

SHORE BANCSHARES INC

2025-Q3 EPS reported $1.31 revenue$15,479,000

Net income of $14.3M ($0.43 diluted EPS) vs $15.5M ($0.46) in Q2 2025 and $11.2M ($0.34) in Q3 2024.
Net interest income rose $1.4M QoQ to $48.7M; net interest margin expanded 7 bps to 3.42%.
Provision for credit losses doubled to $3.0M in Q3 2025 from $1.5M in Q2, driven by a large marine loan write-off.
Nonperforming assets increased to 0.45% of total assets from 0.33% in Q2; classified assets rose to 0.83% from 0.37%.
Book value per share increased to $17.27 from $16.94 in Q2; tangible common equity ratio improved to 7.80%.

item 2.02 item 9.01

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accession 0001035092-25-000017

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