Shore Bancshares Inc
Shore Bancshares, Inc. operates as a bank holding company for the Shore United Bank, N.A. that provides various consumer and commercial banking products and services to individuals, businesses, and other organizations in the United States. The company offers checking, savings, overnight investment sweep, and money market accounts; and regular and IRA certificates of deposit, as well as certificat… Read more
Shore Bancshares Inc (SHBI) - Net Assets
Latest net assets as of December 2025: $589.87 Million USD
Based on the latest financial reports, Shore Bancshares Inc (SHBI) has net assets worth $589.87 Million USD as of December 2025.
Net assets (also known as shareholders' equity or book value) represent the difference between a company's total assets ($6.26 Billion) and total liabilities ($5.67 Billion). This figure indicates the residual interest in the assets after deducting liabilities, essentially showing what would remain for shareholders if all assets were liquidated and all debts paid off.
Key Net Assets Metrics
| Metric | Value |
|---|---|
| Current Net Assets | $589.87 Million |
| % of Total Assets | 9.42% |
| Annual Growth Rate | 12.2% |
| 5-Year Change | 68.2% |
| 10-Year Change | 282.29% |
| Growth Volatility | 33.76 |
Shore Bancshares Inc - Net Assets Trend (1997–2025)
This chart illustrates how Shore Bancshares Inc's net assets have evolved over time, based on quarterly financial data. Explore and compare other companies by net assets.
Annual Net Assets for Shore Bancshares Inc (1997–2025)
The table below shows the annual net assets of Shore Bancshares Inc from 1997 to 2025.
| Year | Net Assets | Change |
|---|---|---|
| 2025-12-31 | $589.87 Million | +9.02% |
| 2024-12-31 | $541.07 Million | +5.86% |
| 2023-12-31 | $511.13 Million | +40.31% |
| 2022-12-31 | $364.29 Million | +3.88% |
| 2021-12-31 | $350.69 Million | +79.83% |
| 2020-12-31 | $195.02 Million | +1.15% |
| 2019-12-31 | $192.80 Million | +5.25% |
| 2018-12-31 | $183.19 Million | +11.88% |
| 2017-12-31 | $163.74 Million | +6.12% |
| 2016-12-31 | $154.30 Million | +4.99% |
| 2015-12-31 | $146.97 Million | +4.63% |
| 2014-12-31 | $140.47 Million | +35.98% |
| 2013-12-31 | $103.30 Million | -9.41% |
| 2012-12-31 | $114.03 Million | -5.96% |
| 2011-12-31 | $121.25 Million | -1.03% |
| 2010-12-31 | $122.51 Million | -4.14% |
| 2009-12-31 | $127.81 Million | +0.33% |
| 2008-12-31 | $127.39 Million | +5.95% |
| 2007-12-31 | $120.23 Million | +8.00% |
| 2006-12-31 | $111.33 Million | +9.74% |
| 2005-12-31 | $101.45 Million | +9.11% |
| 2004-12-31 | $92.98 Million | +11.31% |
| 2003-12-31 | $83.53 Million | +7.05% |
| 2002-12-31 | $78.03 Million | +9.94% |
| 2001-12-31 | $70.97 Million | +9.15% |
| 2000-12-31 | $65.02 Million | +11.18% |
| 1999-12-31 | $58.49 Million | +167.00% |
| 1998-12-31 | $21.90 Million | -6.85% |
| 1997-12-31 | $23.51 Million | -- |
Equity Component Analysis
This analysis shows how different components contribute to Shore Bancshares Inc's total equity over time. Equity components include common stock, retained earnings, additional paid-in capital, and other elements.
Equity Composition Insights
- Retained earnings have grown by 1632.7% over the analyzed period, indicating profitable operations and earnings retention.
Current Equity Component Breakdown (December 2025)
| Component | Amount | Percentage |
|---|---|---|
| Retained Earnings | $233.58 Million | 39.60% |
| Common Stock | $334.00K | 0.06% |
| Other Comprehensive Income | $-4.59 Million | -0.78% |
| Other Components | $360.55 Million | 61.12% |
| Total Equity | $589.87 Million | 100.00% |
Shore Bancshares Inc Competitors by Market Cap
The table below lists competitors of Shore Bancshares Inc ranked by their market capitalization.
| Company | Market Cap |
|---|---|
|
Ramkrishna Forgings Limited
NSE:RKFORGE
|
$542.11 Million |
|
Shenzhen Ecobeauty Co Ltd
SHE:000010
|
$542.14 Million |
|
Schneider Electric Infrastructure Limited
NSE:SCHNEIDER
|
$542.16 Million |
|
PREFORMED LINE PROD. DL 2
F:P4L
|
$542.33 Million |
|
Beyond, Inc.
NASDAQ:BYON
|
$541.91 Million |
|
BELRISE INDUSTRIES LTD
NSE:BELRISE
|
$541.77 Million |
|
Hunan Er Kang Pharmaceutical
SHE:300267
|
$541.65 Million |
|
Taiyuan Heavy Industry Co Ltd
SHG:600169
|
$541.60 Million |
Equity Growth Attribution
This analysis shows how different factors contributed to changes in Shore Bancshares Inc's equity between the two most recent reporting periods.
Equity Growth Insights
- From 2024 to 2025, total equity changed from 541,066,000 to 589,873,000, a change of 48,807,000 (9.0%).
- Net income of 59,506,000 contributed positively to equity growth.
- Other comprehensive income increased equity by 2,952,000.
- Other factors decreased equity by 13,651,000.
Equity Change Factors (2024 to 2025)
| Factor | Impact | Contribution |
|---|---|---|
| Net Income | $59.51 Million | +10.09% |
| Other Comprehensive Income | $2.95 Million | +0.5% |
| Other Changes | $-13.65 Million | -2.31% |
| Total Change | $- | 9.02% |
Book Value vs Market Value Analysis
This analysis compares Shore Bancshares Inc's book value (net assets) with its market value over time. The relationship between these values can provide insights into investor sentiment and company valuation.
Valuation Insights
- Current price-to-book ratio: 1.01x
- The company is trading above its book value, indicating the market recognizes value beyond its reported assets.
- The price-to-book ratio has decreased from 2.28x to 1.01x over the analyzed period, indicating reduced market premium.
Historical Price-to-Book Ratios
| Date | Book Value per Share | Market Price | P/B Ratio |
|---|---|---|---|
| 1997-12-31 | $7.80 | $17.80 | x |
| 1998-12-31 | $7.37 | $17.80 | x |
| 1999-12-31 | $20.37 | $17.80 | x |
| 2000-12-31 | $8.06 | $17.80 | x |
| 2001-12-31 | $8.82 | $17.80 | x |
| 2002-12-31 | $9.59 | $17.80 | x |
| 2003-12-31 | $10.20 | $17.80 | x |
| 2004-12-31 | $11.18 | $17.80 | x |
| 2005-12-31 | $12.16 | $17.80 | x |
| 2006-12-31 | $13.26 | $17.80 | x |
| 2007-12-31 | $14.32 | $17.80 | x |
| 2008-12-31 | $15.15 | $17.80 | x |
| 2009-12-31 | $15.18 | $17.80 | x |
| 2010-12-31 | $14.51 | $17.80 | x |
| 2011-12-31 | $14.35 | $17.80 | x |
| 2012-12-31 | $13.48 | $17.80 | x |
| 2013-12-31 | $12.21 | $17.80 | x |
| 2014-12-31 | $12.82 | $17.80 | x |
| 2015-12-31 | $11.63 | $17.80 | x |
| 2016-12-31 | $12.18 | $17.80 | x |
| 2017-12-31 | $12.87 | $17.80 | x |
| 2018-12-31 | $14.36 | $17.80 | x |
| 2019-12-31 | $15.15 | $17.80 | x |
| 2020-12-31 | $15.75 | $17.80 | x |
| 2021-12-31 | $26.73 | $17.80 | x |
| 2022-12-31 | $18.35 | $17.80 | x |
| 2023-12-31 | $19.23 | $17.80 | x |
| 2024-12-31 | $16.23 | $17.80 | x |
| 2025-12-31 | $17.66 | $17.80 | x |
Capital Efficiency Dashboard
This dashboard shows how efficiently Shore Bancshares Inc utilizes its equity to generate returns, including Return on Equity (ROE) and its components based on the DuPont analysis framework.
Capital Efficiency Insights
- Current Return on Equity (ROE): 10.09%
- The company shows good efficiency in utilizing shareholder equity.
- DuPont Analysis Breakdown:
- • Net Profit Margin: 17.36%
- • Asset Turnover: 0.05x
- • Equity Multiplier: 10.61x
- Recent ROE (10.09%) is above the historical average (7.06%), indicating improving capital efficiency.
Historical Capital Efficiency Metrics
| Year | Return on Equity | Net Profit Margin | Asset Turnover | Equity Multiplier | Economic Value Added |
|---|---|---|---|---|---|
| 1997 | 10.08% | 37.29% | 0.04x | 7.45x | $18.72K |
| 1998 | 10.13% | 32.65% | 0.04x | 8.27x | $28.52K |
| 1999 | 11.63% | 36.95% | 0.04x | 8.86x | $956.15K |
| 2000 | 12.24% | 19.03% | 0.08x | 8.51x | $1.46 Million |
| 2001 | 11.26% | 19.22% | 0.07x | 8.21x | $896.90K |
| 2002 | 11.27% | 20.79% | 0.06x | 8.38x | $987.35K |
| 2003 | 11.37% | 21.49% | 0.06x | 8.44x | $1.14 Million |
| 2004 | 10.97% | 21.02% | 0.06x | 8.49x | $900.64K |
| 2005 | 12.70% | 21.89% | 0.07x | 8.38x | $2.74 Million |
| 2006 | 12.17% | 19.14% | 0.08x | 8.48x | $2.42 Million |
| 2007 | 11.19% | 16.85% | 0.08x | 7.96x | $1.43 Million |
| 2008 | 9.00% | 13.95% | 0.08x | 8.20x | $-1.27 Million |
| 2009 | 5.69% | 9.29% | 0.07x | 9.05x | $-5.51 Million |
| 2010 | -1.36% | -2.32% | 0.06x | 9.23x | $-13.92 Million |
| 2011 | -0.74% | -1.34% | 0.06x | 9.55x | $-13.02 Million |
| 2012 | -8.45% | -16.14% | 0.05x | 10.40x | $-21.04 Million |
| 2013 | -9.33% | -17.08% | 0.05x | 10.20x | $-19.96 Million |
| 2014 | 3.60% | 9.45% | 0.05x | 7.83x | $-9.00 Million |
| 2015 | 4.84% | 13.25% | 0.05x | 7.72x | $-7.59 Million |
| 2016 | 6.25% | 16.98% | 0.05x | 7.52x | $-5.79 Million |
| 2017 | 6.88% | 20.24% | 0.04x | 8.51x | $-5.11 Million |
| 2018 | 13.65% | 38.81% | 0.04x | 8.10x | $6.68 Million |
| 2019 | 8.40% | 23.21% | 0.04x | 8.09x | $-3.08 Million |
| 2020 | 8.07% | 22.34% | 0.04x | 9.91x | $-3.77 Million |
| 2021 | 4.38% | 18.37% | 0.02x | 9.87x | $-19.70 Million |
| 2022 | 8.56% | 22.77% | 0.04x | 9.55x | $-5.25 Million |
| 2023 | 2.20% | 4.71% | 0.04x | 11.76x | $-39.89 Million |
| 2024 | 8.11% | 13.44% | 0.05x | 11.52x | $-10.22 Million |
| 2025 | 10.09% | 17.36% | 0.05x | 10.61x | $518.70K |
Industry Comparison
This section compares Shore Bancshares Inc's net assets metrics with peer companies in the Banks - Regional industry.
Industry Context
- Industry: Banks - Regional
- Average net assets among peers: $25,670,820,700
- Average return on equity (ROE) among peers: 9.44%
Peer Company Comparison
| Company | Net Assets | Return on Equity | Debt-to-Equity | Market Cap |
|---|---|---|---|---|
| Shore Bancshares Inc (SHBI) | $589.87 Million | 10.08% | 9.61x | $542.03 Million |
| Ameris Bancorp (ABCB) | $120.94 Million | 10.83% | 9.48x | $4.91 Billion |
| ACNB Corporation (ACNB) | $2.75 Billion | 1.01% | 0.01x | $462.57 Million |
| Addiko Bank AG (ADBKF) | $839.50 Million | 5.41% | 6.63x | $210.07 Million |
| Affinity Bancshares Inc (AFBI) | $120.97 Million | 6.26% | 5.51x | $79.94 Million |
| Absa Group Limited (AGRPF) | $19.52 Billion | 23.08% | 14.72x | $6.72 Billion |
| AIB Group plc (AIBGY) | $14.46 Billion | -16.17% | 8.45x | $21.72 Billion |
| Akbank Turk Anonim Sirketi (AKBTY) | $211.22 Billion | 31.48% | 8.02x | $8.60 Billion |
| Alpha Bank SA (ALBKY) | $7.32 Billion | 8.44% | 8.89x | $1.12 Billion |
| Community Capital Bancshares Inc (ALBY) | $9.19 Million | 7.09% | 8.66x | $19.76 Million |
| Alpine Banks of Colorado (ALPIB) | $342.89 Million | 16.92% | 10.27x | $248.47 Million |