Shore Bancshares Q4 net income $15.9M ($0.48 EPS); NIM expands to 3.43%, but NPAs rise to 0.69%

SHORE BANCSHARES INC

2025-FY EPS reported $1.78 revenue$20,853,000

Q4 net income $15.9M ($0.48 diluted EPS) vs $14.3M ($0.43) in Q3 2025 and $13.3M ($0.40) in Q4 2024.
Full-year 2025 net income $59.5M, up 36% from $43.9M in 2024; net interest margin improved to 3.36% from 3.10%.
Nonperforming assets 0.69% of total assets at Dec 31, 2025, up from 0.45% at Sep 30, 2025 and 0.40% at Dec 31, 2024.
Q4 provision for credit losses $2.8M; net charge-offs $3.6M driven by a large CRE loan write-down.
Board revises dividend schedule to consider declarations in Feb/May/Aug/Nov with payment the following month.

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