8-K ·Filed Apr 23, 2026
8-K Item 2.02: Earnings release
Actionable Insight ▲ Bullish
Monitor next quarter for sustainability of margin expansion and asset quality trends, as rising nonperforming assets could pressure future provisions despite current strength.
Final — all horizons settled through T+60d
SHBI ▲ +21.05% at T+60d
LONG call ✓ call won +21.05% · α vs SPY +15.97% · entry $19.10 → $23.12
T+1d
+0.47%
call +0.47% · α +0.31%
$19.19
settled 6mo ago
T+5d
+1.05%
call +1.05% · α +0.14%
$19.30
settled 6mo ago
T+20d
+4.45%
call +4.45% · α +0.42%
$19.95
settled 5mo ago
T+60d
+21.05%
call +21.05% · α +15.97%
$23.12
settled 3mo ago
Price Chart
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Executive Summary
Shore Bancshares reported record Q1 2026 earnings of $0.51 per share, beating consensus by 13.6% on higher net interest income and a sharply lower provision for credit losses. Net interest margin expanded 21 bps to 3.64% due to lower funding costs, though nonperforming assets rose to 1.10% of total assets.
Key Financial Metrics
EPS
$0.51
est $0.45 · +13.3%
Revenue
$59.9M
est $58.3M · +2.7% · +24.1% YoY
Rating
beat
Key Facts
- EPS of $0.51 beat consensus of $0.45 by 13.6%
- Net interest margin increased 21 bps to 3.64% due to lower funding costs
- Provision for credit losses dropped to $85k from $2.8M in Q4 2025
- Nonperforming assets rose to 1.10% of total assets from 0.69% in Q4 2025
Financial Impact
EPS beat of $0.06, net interest income up $2.4M QoQ
epsnet_interest_incomeprovision_for_credit_lossesnonperforming_assets
Risk Factors
- Rising nonperforming assets (up to 1.10% from 0.69%) signal potential future credit stress
- Net interest margin expansion may not be sustainable if funding costs stabilize
Market Snapshot
Exchange
Nasdaq
Sector
National Commercial Banks
Investment Themes
Traditional Finance
Documents Analyzed
This report is based on 6 SEC documents filed with EDGAR.
| Document | Accession Number |
|---|---|
| 8-K Filing (Primary) | 0001035092-26-000023 |
| Document: shbi-20260423.htm | 0001035092-26-000023 |
| Document: 0001035092-26-000023-index-headers.html | 0001035092-26-000023 |
| Document: 0001035092-26-000023-index.html | 0001035092-26-000023 |
| Document: 0001035092-26-000023.txt | 0001035092-26-000023 |
| 8-K Data (Synthetic) | 0001035092-26-000023 |
11 reports for SHBI
100% Hit rate @ T+1 Went positive at some point 6 of 6 best @ T+5▲ +3.56%
Filters
Rows
| Type | Now | ||||
|---|---|---|---|---|---|
Oct 23, 2026 4d ago | 8-K | $22.94 $22.75 | ▲ +0.83% | ▲ +1.54% | $22.69 (+1.09%) |
Oct 22, 2026 5d ago | 8-K | $22.94 $22.75 | ▲ +0.83% | ▲ +1.54% | $22.69 (+1.09%) |
Oct 22, 2026 5d ago | Press Release | $22.94 $22.75 | ▲ +0.83% | ▲ +1.54% | $22.69 (+1.09%) |
Oct 1, 2026 26d ago | 8-K | $22.70 $23.00 | ▲ +1.32% | ▲ +0.58% | $22.69 (−0.04%) |
Aug 20, 2026 9w ago | Press Release | $23.34 $23.23 | ▼ −0.47% | ▼ −0.18% | $22.69 (−2.78%) |
Jul 24, 2026 13w ago | 8-K | $23.90 $24.44 | ▲ +2.26% | ▲ +2.02% | $22.69 (−5.06%) |
Jul 23, 2026 13w ago | 8-K | $23.61 $23.90 | ▲ +1.23% | ▲ +1.21% | $22.69 (−3.90%) |
Jul 23, 2026 13w ago | Press Release | $23.61 $23.90 | ▲ +1.23% | ▲ +1.21% | $22.69 (−3.90%) |
Jun 16, 2026 19w ago | 8-K | $22.17 $21.74 | ▼ −1.94% | ▼ −0.69% | $22.69 (+2.35%) |
Apr 23, 2026 26w ago | 8-K | $19.10 $19.19 | ▲ +0.47% | ▲ +0.31% | $22.69 (+18.80%) |
Showing 10 of 11
US Market Status
Market Closed — Opens Thu (11h 19m)
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