---
schema_version: "secwatch.filing_event.v1"
accession: "0001035092-26-000006"
form_type: "8-K"
ticker: "SHBI"
cik: "0001035092"
company_name: "SHORE BANCSHARES INC"
filed_at: "2026-01-28T23:59:59+00:00"
generated_at: "2026-05-16T06:50:35.705942+00:00"
event_type: "earnings"
sentiment: "neutral"
materiality_score: 0.75
confidence: "high"
source: SEC EDGAR
---

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

## Summary
- 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.

## SEC filing metadata
- accession: 0001035092-26-000006
- form_type: 8-K
- ticker: SHBI
- cik: 0001035092
- company_name: SHORE BANCSHARES INC
- filed_at: 2026-01-28T23:59:59+00:00
- event_type: earnings
- sentiment: neutral
- materiality_score: 0.75
- confidence: high
- sec_items: 2.02, 9.01
- EDGAR index: https://www.sec.gov/Archives/edgar/data/1035092/000103509226000006/0001035092-26-000006-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/1035092/000103509226000006/shbi-20260128.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001035092-26-000006
- JSON: https://secwatch.observer/filing/0001035092-26-000006.json
- Plain text: https://secwatch.observer/filing/0001035092-26-000006.txt

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