Shore Bancshares Inc (SHBI) — Defensive Interval Ratio
Shore Bancshares Inc (SHBI) has a Defensive Interval Ratio of 2 days as of December 2025. Defensive assets of $18.55 Million (cash $-, short-term investments $-, receivables $18.55 Million) cover 2 days of daily cash needs of $11.66 Million/day.
Defensive Interval Ratio
Defensive Assets
Daily Cash Need
Current Liabilities
Shore Bancshares Inc Defensive Interval Ratio (1997–2025)
This chart shows how Shore Bancshares Inc's Defensive Interval Ratio has evolved across 29 annual periods from 1997 to 2025. As of December 2025, the ratio stands at 2 days, meaning defensive assets of $18.55 Million can fund 2 days of operations without new revenue. For the complete balance sheet picture, see balance sheet size of Shore Bancshares Inc.
Annual Defensive Interval Ratio for Shore Bancshares Inc (1997–2025)
The table below presents the year-by-year Defensive Interval Ratio for Shore Bancshares Inc from 1997 to 2025, covering 29 annual filings. Each row shows defensive assets, daily cash need, the DIR in days, and the change in days compared to the prior year. See Shore Bancshares Inc short-term liquidity ratio to evaluate short-term liquidity relative to the company's equity base.
| Year | DIR (days) | Defensive Assets (USD) | Daily Cash Need | Cash | ST Investments | Change (days) |
|---|---|---|---|---|---|---|
| 2025 | 2 days | $18.55 Million | $11.66 Million/day | $- | $- | ▼ -10 days |
| 2024 | 11 days | $168.78 Million | $15.15 Million/day | $- | $149.21 Million | ▲ +2 days |
| 2023 | 9 days | $129.74 Million | $14.76 Million/day | $- | $110.52 Million | ▼ -2 days |
| 2022 | 11 days | $92.97 Million | $8.36 Million/day | $- | $83.59 Million | ▼ -4 days |
| 2021 | 15 days | $124.32 Million | $8.32 Million/day | $- | $116.98 Million | ▼ -16 days |
| 2020 | 31 days | $146.34 Million | $4.67 Million/day | $- | $139.57 Million | ▼ -3 days |
| 2019 | 34 days | $126.42 Million | $3.68 Million/day | $- | $122.79 Million | ▼ -11 days |
| 2018 | 45 days | $157.78 Million | $3.50 Million/day | $- | $154.43 Million | ▼ -15 days |
| 2017 | 60 days | $200.46 Million | $3.36 Million/day | $- | $196.96 Million | ▼ -1 days |
| 2016 | 61 days | $166.58 Million | $2.75 Million/day | $- | $163.90 Million | ▼ -19 days |
| 2015 | 80 days | $214.62 Million | $2.70 Million/day | $- | $212.16 Million | ▼ -12 days |
| 2014 | 91 days | $238.77 Million | $2.62 Million/day | $- | $236.11 Million | ▲ +33 days |
| 2013 | 58 days | $149.66 Million | $2.60 Million/day | $- | $147.10 Million | ▲ +6 days |
| 2012 | 52 days | $151.55 Million | $2.92 Million/day | $- | $145.51 Million | ▲ +4 days |
| 2011 | 48 days | $135.31 Million | $2.82 Million/day | $- | $129.78 Million | ▲ +63 days |
| 2010 | -14 days | $-39.93 Million | $2.76 Million/day | $- | $-39.93 Million | ▼ -16 days |
| 2009 | 1 days | $4.21 Million | $2.81 Million/day | $- | $-598.00K | ▲ +5 days |
| 2008 | -4 days | $-9.39 Million | $2.47 Million/day | $- | $-15.35 Million | ▼ -54 days |
| 2007 | 50 days | $112.15 Million | $2.24 Million/day | $- | $106.06 Million | ▼ -2171 days |
| 2006 | 2221 days | $4.90 Billion | $2.21 Million/day | $- | $4.89 Billion | ▲ +302 days |
| 2005 | 1919 days | $3.90 Billion | $2.03 Million/day | $- | $3.90 Billion | ▲ +184 days |
| 2004 | 1735 days | $3.28 Billion | $1.89 Million/day | $- | $3.28 Billion | ▼ -76 days |
| 2003 | 1811 days | $3.05 Billion | $1.68 Million/day | $- | $3.04 Billion | ▲ +1779 days |
| 2002 | 32 days | $50.11 Million | $1.56 Million/day | $- | $47.15 Million | ▲ +5 days |
| 2001 | 27 days | $37.53 Million | $1.38 Million/day | $- | $34.21 Million | ▲ +24 days |
| 2000 | 3 days | $4.33 Million | $1.32 Million/day | $- | $249.00 | ▼ -58 days |
| 1999 | 62 days | $76.77 Million | $1.24 Million/day | $- | $73.19 Million | ▲ +59 days |
| 1998 | 3 days | $1.35 Million | $420.59K/day | $- | $- | ▼ 0 days |
| 1997 | 4 days | $1.48 Million | $400.01K/day | $- | $- | — |