{"schema_version":"secwatch.filing_event.v1","accession":"0001035092-26-000058","form_type":"8-K","ticker":"SHBI","cik":"0001035092","company_name":"SHORE BANCSHARES INC","filed_at":"2026-10-22T20:01:23+00:00","discovered_at":"2026-10-22T20:02:00.425430+00:00","generated_at":"2026-10-22T20:02:08.190167+00:00","sec_items":["2.02","9.01"],"event_type":"earnings","sentiment":"neutral","materiality_score":0.65,"calibrated_materiality_score":0.65,"confidence":"high","headline":"Shore Bancshares Q3 EPS $0.50 vs $0.56 in Q2; provision jumps to $5.3M on multifamily charge-off","bullets":["Net income $16.8M, or $0.50 per diluted share, vs $18.9M/$0.56 in Q2 2026 and $14.3M/$0.43 in Q3 2025.","Provision for credit losses $5.3M vs $896K in Q2; net charge-offs $4.8M vs $123K, driven by a partial multifamily loan write-off.","Nonperforming assets $81.8M, or 1.27% of total assets, up from 1.09% at June 30 and 0.45% a year earlier; includes three loans totaling $48.2M.","NIM 3.78%, up 8 bps QoQ; PTPP $27.5M, up 5.6%; efficiency ratio 56.15% vs 57.76% in Q2.","Declared $0.14 per share dividend and repurchased 148,006 shares for about $3.4M; book value per share $18.59 vs $18.44 at June 30."],"urls":{"canonical":"https://secwatch.observer/filing/0001035092-26-000058","json":"https://secwatch.observer/filing/0001035092-26-000058.json","markdown":"https://secwatch.observer/filing/0001035092-26-000058.md","text":"https://secwatch.observer/filing/0001035092-26-000058.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/1035092/000103509226000058/0001035092-26-000058-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/1035092/000103509226000058/shbi-20261022.htm"},"model":{"generated_by":"deepseek-v4.1-flash:cloud@v2","generated_at":"2026-10-22T20:02:08.190167+00:00"},"review":{"review_status":"machine_generated","human_reviewed":false,"corrected":false,"correction_note":null,"correction_timestamp":null,"superseded_by":null,"related_filings":[]},"source_grounded_claims":[],"license":"Source filings: public domain (SEC EDGAR). Summaries (headline + bullets): CC-BY-4.0; attribute https://secwatch.observer"}