Shore Bancshares Q4 net income $13.3M ($0.40 EPS) vs $0.34 in Q3; full-year EPS $1.32

SHORE BANCSHARES INC

2024-FY EPS reported $1.32 revenue$20,910,000

Q4 net income $13.3M, EPS $0.40; full-year 2024 net income $43.9M, EPS $1.32 (vs $11.2M, $0.42 in 2023).
Net interest income $44.0M (+$748K QoQ); NIM 3.03% (core NIM 2.85%, up 1bp).
Nonperforming assets rose to $24.8M (0.40% of assets) from $15.8M (0.27%) in Q3; ACL at 1.21% of loans.
Efficiency ratio improved to 64.21% from 67.49% in Q3; $4.7M credit card fraud event in 2024.
Total assets $6.23B, deposits $5.53B; CRE office portfolio $506M, 10.60% of loans.

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