OakChart

Shore Bancshares Inc

SHBIFinancial·Banks - Regional·USA·Small·NASD·Nov 11 • 3:59 PM ET

22.82-0.03 (-0.13%)
2026-11-12 00:07 CET
Market cap
759.72 USD m
Revenue, TTM
- USD m
Net income, TTM
68.61 USD m
Free cash flow, TTM
75.25 USD m
EPS diluted, TTM
2.05
P/E
11.13
Compare

Price

SHBI against its 20, 50 and 200-day averages
2050200beatmiss
18.0020.0022.0024.00530K1.1MVolumeMay 26Jun 26Jul 26Aug 26Sep 26Oct 26Nov 26SHBIclose 22.8220-day 22.7550-day 22.87200-day 21.3122.8252w high

8.3% under the 52-week high of 24.89 on 3 Aug 2026. 52-week low 15.48 on 18 Nov 2025. Last 15 sessions, 10.8% high to low

Volume 0.44× normal · the line is the 50-bar volume average

Profile

SHBI
52-week range, 78% of the way up
15.4824.89

Shore Bancshares, Inc. is a financial holding company, which engages in the provision of commercial banking products and services to individuals and businesses. Its services include checking accounts, various savings programs, mortgage loans, home improvement loans, installment and other personal loans, credit cards, personal lines of credit, automobile and other consumer financing, safe deposit boxes, debit cards, 24-hour telephone banking, internet banking, mobile banking, and 24-hour automatic teller machine services. It also offers commercial checking, savings, certificates of deposit, and overnight investment sweep accounts. The company was founded on March 15, 1996 and is headquartered in Easton, MD.

IndexRUT
Employees608
IPOApr 09, 2001
Beta0.83
ATR, 14d0.72
Rel volume0.44
Short float3.56%
Insider own9.22%
Inst own69.56%

Snapshot

6 groups

Valuation

IndexRUT
Market Cap758.72M
Enterprise Value-
Income68.61M
Sales348.46M
Book/sh18.59
Cash/sh-
Dividend Est.0.54 (2.37%)
Dividend TTM0.52 (2.28%)
Dividend Ex-DateSep 02, 2026
Dividend Gr. 3/5Y0.00% 0.00%
Payout26.95%
Employees608
IPOApr 09, 2001

Ratios

P/E11.13
Forward P/E10.08
PEG1.05
P/S2.18
P/B1.23
P/C-
P/FCF10.08
EV/EBITDA-
EV/Sales-
Quick Ratio-
Current Ratio0.13
Debt/Eq0.16
LT Debt/Eq0.16
Option/ShortYes / Yes

Earnings

EPS (ttm)2.05
EPS next Y2.26
EPS next Q0.58
EPS this Y20.95%
EPS next Y5.14%
EPS next 5Y9.64%
EPS past 3/5Y4.28% 6.99%
Sales past 3/5Y35.79% 37.25%
EPS Y/Y TTM20.38%
Sales Y/Y TTM2.75%
EPS Q/Q16.97%
Sales Q/Q3.34%
EarningsOct 22 AMC
EPS/Sales Surpr.-6.72% 2.43%

Ownership

Insider Own9.22%
Insider Trans0.03%
Inst Own69.56%
Inst Trans3.06%
ROA1.08%
ROE11.47%
ROIC9.56%
Gross Margin-
Oper. Margin25.41%
Profit Margin19.69%
SMA200.30%
SMA50-0.20%
SMA2007.08%
Trades-

Technical

Shs Outstand33.31M
Shs Float30.18M
Short Float3.56%
Short Ratio5.11
Short Interest1.07M
52W High24.89 -8.32%
52W Low15.48 47.42%
Volatility4.93% 3.12%
ATR (14)0.72
RSI (14)50.85
Beta0.83
Rel Volume0.44
Avg Volume210.33K
Volume93,317

Performance

Perf Week-1.34%
Perf Month1.56%
Perf Quarter-4.68%
Perf Half Y18.73%
Perf YTD29.07%
Perf Year39.06%
Perf 3Y104.30%
Perf 5Y15.60%
Perf 10Y58.47%
Recom2.20
Target Price25.70
Prev Close22.85
Price22.82
Change %-0.13%

Analyst ratings

latest 10 of 20
DateActionAnalystRating changeTargetImplied
Sep 29, 2026InitiatedDDA DavidsonNeutral$25+9.6%
Jul 27, 2026ReiteratedHHovde GroupOutperform$23.50 → $26.50+16.1%
Apr 09, 2026DowngradeKKeefe BruyetteOutperform → Mkt Perform$20-12.4%
Feb 03, 2026ReiteratedHHovde GroupOutperform$19 → $22-3.6%
Nov 19, 2025InitiatedHHovde GroupOutperform$19-16.7%
Feb 06, 2025InitiatedPPiper SandlerOverweight$20-12.4%
Dec 04, 2024UpgradeKKeefe BruyetteMkt Perform → Outperform$16 → $20-12.4%
Jul 30, 2024DowngradeJJanneyBuy → Neutral
Aug 15, 2023UpgradeJJanneyNeutral → Buy
Dec 13, 2022DowngradeKKeefe BruyetteOutperform → Mkt Perform$22-3.6%

Peers

Mkt cap
TickerCompanyMkt cap
EGBNEagle Bancorp Inc (MD)1.05B
BHRBBurke & Herbert Financial Services Corp1.43B
ORRFOrrstown Financial Services Inc867.47M
ACNBACNB Corp678.37M
CBNKCapital Bancorp Inc686.58M
MPBMid Penn Bancorp Inc885.48M
WSFSWSFS Financial Corp4.04B
FRSTPrimis Financial Corp365.29M
FVCBFVCBankcorp Inc293.42M
JMSBJohn Marshall Bancorp Inc326.41M

Insider trading

7 filings
InsiderRelationshipDateTransactionCostSharesValueTotal heldForm
LAMON JOHNDirectorOct 27 '26Buy22.943387,75465,514Oct 29 11:24 AM
LAMON JOHNDirectorAug 03 '26Buy24.573007,37165,122Aug 05 04:41 PM
Adams Michael BrianDirectorMay 26 '26Buy20.291753,55145,818May 26 05:20 PM
SLATER A JOSEPH JRDirectorMar 02 '26Sale18.781,80233,84266,634Mar 03 04:29 PM
Esham William E. IIIDirectorFeb 05 '26Buy19.995,00099,9505,510Feb 09 12:37 PM
Willey Dawn M.DirectorNov 26 '25Buy17.671,00017,67012,000Dec 01 05:23 PM
Kaslow Aaron MichaelEVP, Chief Legal OfficerNov 18 '25Buy15.566,500101,1406,500Nov 20 11:33 AM

Held by

AUM
TickerCompanyAUM
AVUVAvantis U.S. Small Cap Value ETFAUM: 32.39B
VTIVanguard Morningstar Total Stock Market ETFAUM: 687.42B
IWMiShares Russell 2000 Index FundAUM: 77.38B
DFSVUS Small Cap Value Portfolio ETF Class SharesAUM: 8.52B
DFATU.S. Targeted Value Portfolio-ETF Class SharesAUM: 14.47B
VXFVanguard Extended Market Index ETFAUM: 30.47B
KREState Street SPDR S&P Regional Banking ETFAUM: 4.43B
IWNiShares Russell 2000 Value ETFAUM: 14.10B
DFASU.S. Small Cap Portfolio-ETF Class SharesAUM: 15.51B
BSVOEA Bridgeway Omni Small-Cap Value ETFAUM: 2.44B

News

latest 14 of 200
  • Shore Bancshares: Q3 Earnings Snapshot (Associated Press)
  • Shore Bancshares, Inc. Reports 2026 Third Quarter Results (PR Newswire)
  • Shore Bancshares, Inc. Reports Quarterly Dividend of $0.14 Per Share (PR Newswire)
  • Shore Bancshares: Q2 Earnings Snapshot (Associated Press)
  • Shore Bancshares, Inc. Reports 2026 Second Quarter Results (PR Newswire)
  • Shore Bancshares, Inc. Announces Appointment of B. Scot Ebron as Bank President (PR Newswire)
  • Shore Bancshares, Inc. Announces Increased Dividend and $30 Million Stock Repurchase Program (PR Newswire)
  • Shore Bancshares: Q1 Earnings Snapshot (Associated Press)
  • Shore Bancshares, Inc. Reports 2026 First Quarter Results (PR Newswire)
  • Shore Bancshares, Inc. Announces Extension of Exchange Offer for its 6.25% Fixed-to-Floating Rate Subordinated Notes Due 2035 (PR Newswire)
  • Shore Bancshares, Inc. Reports Quarterly Dividend of $0.12 Per Share (PR Newswire)
  • Shore Bancshares Inc (SHBI) Hits Fresh High: Is There Still Room to Run? (Zacks)
  • Shore Bancshares (SHBI) Upgraded to Buy: Here's What You Should Know (Zacks)
  • Shore Bancshares (SHBI) Surpasses Q4 Earnings and Revenue Estimates (Zacks)

Quarterly earnings

actual against estimate
PeriodReportedEPS actEPS estEPS repSales actSales estAnalysts
2026Q32026-10-220.5000.5360.50062.8061.315
2026Q22026-07-230.5600.5010.56461.7560.424
2026Q12026-04-230.5100.4530.51159.8058.354
2025Q42026-01-280.4800.4680.47559.1157.814
2025Q32025-10-230.4300.4530.42956.3657.133
2025Q22025-07-240.4600.4100.46456.5754.183
2025Q12025-04-290.4100.3530.41253.0350.683
2024Q42025-01-300.4000.3550.39852.8651.602
2024Q32024-10-240.3400.3550.33650.5551.402
2024Q22024-07-250.3400.3300.33850.5848.702
2024Q12024-05-020.2500.3230.24747.7049.343
2023Q42024-01-310.3200.3470.31549.0751.053
2023Q32023-11-01-0.1900.343-0.19363.9651.343
2023Q22023-07-270.2000.3070.20241.9329.613
2023Q12023-04-270.3200.3800.32531.0031.002
2022Q42023-01-260.4200.4930.42332.8133.573

Annual earnings

PeriodEPS actEPS estEPS repSales actSales est
2017FY0.9500.9600.88663.2863.49
2018FY1.9601.8051.96081.7269.90
2019FY1.2701.2851.27260.1560.19
2020FY1.2701.1801.27163.3562.14
2021FY1.1701.4401.17177.6376.99
2022FY1.5701.6431.571124.39125.27
2023FY0.4200.6100.423168.47162.86
2024FY1.3201.2801.319201.7200.7
2025FY1.7801.7711.780225.07223.68
2026FY-2.153--248.12
2027FY-2.264--256.56
2028FY-2.346--265.83

Estimate revisions

last 14 periods
PeriodTypeDateEstimatesUpDownMeanLowHigh
2026Q4S2026-10-2643063.5662.7064.90
2026Q4S2026-10-2342063.3962.4064.90
2026Q4S2026-10-2240062.8661.9064.05
2026Q4S2026-09-3040062.8661.9064.05
2026Q4S2026-09-2540062.8761.9064.05
2026Q4S2026-09-2440062.8661.9064.05
2026Q4S2026-07-2430062.7861.9064.05
2026Q4S2026-07-1430062.8461.8064.31
2026Q4S2026-07-0831062.8461.8064.31
2026Q4S2026-04-3032062.8461.8064.31
2026Q4S2026-04-2731062.5661.8063.47
2026Q4S2026-04-2431162.5261.7063.47
2026Q4S2026-04-0730162.0961.1063.47
2026Q4S2026-01-3030062.3261.1063.47

Estimate history

EPS, annual0.8861.961.2721.2711.1711.5710.4231.3191.7812.0512
Period201720182019202020212022202320242025TTM
EPS, quarterly0.3360.3980.4120.4640.4290.4750.5110.5640.502
PeriodQ3 '24Q4 '24Q1 '25Q2 '25Q3 '25Q4 '25Q1 '26Q2 '26Q3 '26
Sales, annual55.89164.56769.36270.3783.663136.866238.421326.485342.716348.46
Period201720182019202020212022202320242025TTM
Sales, quarterly81.97685.25783.06685.93884.88888.82485.63686.27987.722
PeriodQ3 '24Q4 '24Q1 '25Q2 '25Q3 '25Q4 '25Q1 '26Q2 '26Q3 '26
Shares, annual12.68812.74912.511.78319.80819.8533.16233.33233.41433.305
Period201720182019202020212022202320242025MRQ
Shares, quarterly33.32733.33233.37433.37433.42233.41433.45133.41633.305
PeriodQ3 '24Q4 '24Q1 '25Q2 '25Q3 '25Q4 '25Q1 '26Q2 '26Q3 '26

Income statement, annual

Currency USD, millions
MetricTTM2025FY2024FY2023FY2022FY2021FY2020FY2019FY2018FY
Interest Income316.05310.03295.34214.08113.8470.1759.6859.7755.91
Total Interest Expense105.00117.65124.7978.7712.546.047.089.645.27
Net Interest Income211.04192.38170.55135.31101.3064.1352.6050.1350.63
Loan Loss Provision9.088.384.7430.951.93-0.363.900.701.67
Net Interest Income After Loan Loss Provision201.97184.00165.81104.3599.3864.4948.7049.4348.96
Non-Interest Income32.4232.6931.1524.3423.0213.4910.699.598.66
Non-Interest Expense145.83137.57133.26105.9778.1648.2738.3437.1336.48
Operating Income88.5579.1163.7022.7244.2429.7121.0521.8921.14
Unusual Expense0.000.465.0017.362.108.530.000.000.00
Net Income Before Taxes90.9078.6658.7014.1842.1421.1821.0521.8921.14
Income Taxes22.2919.1514.812.9610.965.815.325.615.38
Consolidated Net Income68.6159.5143.8911.2331.1815.3715.7316.2815.76
Net Income From Continuing Operations68.6159.5143.8911.2331.1815.3715.7316.2815.76
Net Income68.6159.5143.8911.2331.1815.3715.7316.2025.00
EPS (Recurring)2.051.791.420.881.641.631.271.271.96
EPS (Basic, Before Extraordinaries)2.051.781.320.421.571.171.271.271.96
EPS (Diluted)2.051.781.320.421.571.171.271.271.96
Non-Operating Income (Expense)0.000.000.008.820.000.000.000.000.00
Other After Tax Adjustments0.000.000.000.000.000.000.000.000.00
Stock Option Compensation Expense2.511.491.370.930.680.390.270.160.48
Price To Earnings Ratio11.1411.1412.8318.8213.3516.8911.4913.647.42
Price To Sales Ratio2.151.721.621.592.533.272.573.192.87
Operating Margin25.4123.0819.519.5332.3235.5129.9131.5632.75
Net Margin19.6917.3613.444.7122.7818.3722.3523.3538.71
Shares Outstanding33.3133.4133.3333.1619.8519.8111.7812.5012.75
Market Capitalization759.72759.72528.23472.33346.12412.95175.73220.26185.37

Income statement, quarterly

Currency USD, millions
Metric2026Q32026Q22026Q12025Q42025Q32025Q22025Q12024Q4
Interest Income80.0577.4578.3980.1677.1976.6276.0676.40
Total Interest Expense24.9224.5325.8429.7228.5329.3730.0332.39
Net Interest Income55.1352.9252.5550.4448.6647.2546.0344.01
Loan Loss Provision5.270.900.092.832.991.531.030.78
Net Interest Income After Loan Loss Provision49.8652.0252.4747.6145.6645.7245.0043.23
Non-Interest Income7.678.837.248.677.709.327.008.85
Non-Interest Expense35.2635.6737.0637.8434.3834.4133.7533.84
Operating Income22.2725.1822.6618.4418.9820.6318.2618.24
Unusual Expense0.000.000.000.000.000.000.000.10
Net Income Before Taxes22.2725.1822.6620.7818.9820.6318.2618.14
Income Taxes5.506.325.574.894.645.124.494.86
Consolidated Net Income16.7718.8617.0915.8914.3515.5113.7613.28
Net Income From Continuing Operations16.7718.8617.0915.8914.3515.5113.7613.28
Net Income16.7718.8617.0915.8914.3515.5113.7613.28
EPS (Recurring)0.500.560.510.480.430.460.410.40
EPS (Basic, Before Extraordinaries)0.500.560.510.480.430.460.410.40
EPS (Diluted)0.500.560.510.470.430.460.410.40
Non-Operating Income (Expense)0.000.000.000.000.000.000.000.00
Other After Tax Adjustments0.000.000.000.000.000.000.000.00
Stock Option Compensation Expense0.560.800.720.420.310.360.400.38
Price To Earnings Ratio11.1412.2110.4910.3710.1910.5910.2712.83
Price To Sales Ratio2.152.221.811.731.621.561.361.62
Operating Margin25.3929.1926.4620.7622.3624.0121.9821.39
Net Margin19.1221.8719.9517.8916.9018.0416.5715.58
Shares Outstanding33.3133.4233.4533.4133.4233.3733.3733.33
Market Capitalization759.72767.81624.25590.99548.38524.64451.59528.23

Balance sheet, annual

Currency USD, millions
Metric2025FY2024FY2023FY2022FY2021FY2020FY2019FY2018FY2017FY
Cash & Due from Banks50.1644.0163.1737.6616.9216.6718.4616.2921.53
Investments997.401,092.08965.34677.531,131.98380.55213.62219.15217.22
Net Loans4,841.474,714.084,583.662,539.462,105.231,440.371,238.151,185.011,083.73
Investment in Unconsolidated Affiliates0.000.000.000.000.000.000.000.000.00
Customer Liability on Acceptances0.000.000.000.000.000.000.000.000.00
Real Estate Assets2.993.490.180.200.530.000.071.221.79
Net Property, Plant & Equipment90.6993.1994.8761.1262.9929.7228.5922.7122.63
Interest Receivables18.5519.5719.229.386.726.623.463.353.51
Deferred Tax Assets29.8231.8640.7114.269.426.083.895.054.87
Other Intangible Assets227.72232.48243.78144.57132.8354.9654.1331.1639.34
Total Assets6,258.826,230.766,010.923,484.183,466.631,934.961,560.371,483.951,394.63
Total Deposits5,533.865,528.345,386.123,009.783,026.241,700.701,341.331,212.341,202.78
Total Debt100.09135.5685.1592.9868.6130.3521.0275.8121.73
Long Term Debt98.07133.8583.3551.7563.2428.8819.1315.000.00
Provision for Risks Charges0.910.100.440.000.000.000.000.000.00
Deferred Tax Liabilities---6.906.491.641.130.872.93
Other Liabilities34.0925.7028.0710.2314.607.244.0811.745.61
Total Liabilities5,668.945,689.705,499.783,119.893,115.941,739.941,367.571,300.761,233.06
Preferred Stock - Carrying Value0.000.000.000.000.000.000.000.000.00
Common Equity589.87541.07511.13364.29350.69195.02192.80183.19163.74
Total Shareholders Equity589.87541.07511.13364.29350.69195.02192.80183.19163.74
Accumulated Minority Interest0.000.000.000.000.000.000.000.000.00
Total Equity589.87541.07511.13364.29350.69195.02192.80183.19163.74
Total Liabilities & Stockholders Equity6,258.826,230.766,010.923,484.183,466.631,934.961,560.371,483.951,396.79
Book Value Per Share17.6516.2315.4118.3517.7116.5515.4214.3712.90
Tangible Book Value Per Share14.8713.1912.0614.8914.1214.9213.8412.7711.23
Tier 1 Capital540.90488.11437.48322.89279.68180.70163.21140.26132.37
Tier 2 Capital119.55103.12101.7241.5357.0214.1910.8110.6410.08
Full-Time Employees608597630481446295294292346
Price to Book Ratio1.230.990.940.971.180.881.131.011.30
Return on Assets0.950.720.240.900.570.901.071.090.72
Return on Equity10.528.342.578.725.638.118.669.095.80
Return on Invested Capital8.656.501.897.493.717.037.6412.616.88
Current Ratio0.100.130.080.030.250.160.110.080.05

Cash flow, annual

Currency USD, millions
MetricTTM2025FY2024FY2023FY2022FY2021FY2020FY2019FY2018FY
Funds from Operations81.1472.2957.68-85.8662.30-8.5319.2119.6626.77
Extraordinary Item0.000.000.000.000.000.000.000.00-12.74
Changes in Working Capital-2.963.600.66-13.16-9.661.02-0.78-5.912.96
Cash from Operating Activities78.1875.8958.34-99.0252.65-7.5018.4313.7417.00
Capital Expenditures-4.11-3.49-5.43-6.20-12.58-13.65-2.69-27.86-1.13
Net Assets From Acquisitions0.000.000.000.000.00305.780.000.000.00
Sale of Fixed Assets and Businesses-0.840.000.0026.090.020.000.000.0025.16
Purchase or Sale of Investments-126.842.67-3.63472.10-135.03-174.60-72.0533.4338.90
Purchase of Investments-256.95-96.21-126.23-33.30-208.19-255.53-130.66-4.03-0.62
Sale Or Maturity of Investments130.1198.88122.61505.4073.1680.9358.6137.4639.52
Other Uses0.000.000.000.000.000.000.000.000.00
Other Sources2.352.810.150.000.000.000.000.000.00
Cash from Investing Activities-148.95-131.82-145.99294.05-581.5738.19-280.08-45.68-42.45
Cash Dividends Paid-17.45-16.09-16.01-12.73-9.53-6.61-5.95-5.35-4.08
Change in Capital Stock-3.950.080.380.390.39-0.81-9.11-4.450.00
Repurchase of Common Pref Stock-4.300.000.000.000.00-0.82-9.11-4.450.00
Sale of Common Pref Stock0.340.080.380.390.390.010.000.000.00
Proceedsfrom Stock Options0.340.080.380.390.390.000.000.000.00
Issuance or Reduction of Debt, Net-35.64-35.6450.00-109.0025.863.099.21-59.5954.08
Change in Long Term Debt14.3614.3650.000.00-10.000.009.390.0015.00
Issuance of Long Term Debt58.8658.8650.000.000.000.0024.390.0015.00
Reduction of Long Term Debt-44.50-44.500.000.00-10.000.00-15.000.000.00
Net Financing Active Other Cash Flow-0.620.000.000.000.000.00-0.04-0.09-0.27
Other Financing Activities Uses---0.000.000.00-0.04-0.09-0.27
Cash from Financing Activities109.31-48.35175.09121.890.81366.01353.6059.6859.56
Net Change in Cash38.54-104.2887.44316.91-528.11396.7091.9527.7535.41
Free Cash Flow75.2572.7253.11-104.9750.23-10.9516.0511.5015.87
Preferred Dividends (Cash Flow)-0.000.000.000.000.000.000.000.00
Price to Free Cash Flow12.9410.4314.22-8.50-17.8935.9215.73
Federal Home Loan Advances Increase (Decrease)-2.26-2.35-2.39-7.010.440.562.29-2.74

Balance sheet, quarterly

Currency USD, millions
Metric2026Q32026Q22026Q12025Q42025Q32025Q2
Cash & Due from Banks58.2353.3444.0550.1662.2954.51
Investments1,173.33913.231,003.10997.401,017.36838.14
Net Loans4,843.114,819.014,789.554,841.474,823.414,769.15
Investment in Unconsolidated Affiliates0.000.000.000.000.000.00
Net Property, Plant & Equipment88.3789.2790.2490.6991.7192.48
Interest Receivables20.8920.0220.6818.5520.4119.82
Deferred Tax Assets32.5930.6629.7529.8230.3330.97
Other Intangible Assets224.36223.55225.28227.72229.42230.17
Total Assets6,454.366,151.436,206.066,258.826,278.486,037.87
Total Deposits5,696.335,399.755,461.625,533.865,528.165,313.96
Total Debt99.1399.3599.64100.09135.89135.78
Long Term Debt98.6398.3598.1398.07135.38134.82
Provision for Risks Charges0.000.000.000.910.000.00
Other Liabilities39.6136.2642.0934.0937.2222.94
Total Liabilities5,835.065,535.365,603.355,668.945,701.275,472.68
Preferred Stock - Carrying Value0.000.000.000.000.000.00
Common Equity619.30616.08602.71589.87577.21565.19
Total Shareholders Equity619.30616.08602.71589.87577.21565.19
Accumulated Minority Interest0.000.000.000.000.000.00
Total Equity619.30616.08602.71589.87577.21565.19
Total Liabilities & Stockholders Equity6,454.366,151.436,206.066,258.826,278.486,037.87
Book Value Per Share18.5918.4418.0217.6517.2716.94
Tangible Book Value Per Share15.9715.7715.3014.8714.4314.03
Tier 1 Capital581.59571.90556.10540.90526.79513.95
Tier 2 Capital119.19119.82118.72119.55100.26104.84
Full-Time Employees---608--
Price to Book Ratio1.231.271.061.020.970.95
Return on Assets1.081.091.010.950.930.90
Return on Equity11.4711.2110.8810.5210.259.88
Return on Invested Capital2.342.642.442.312.012.22
Current Ratio0.130.080.100.100.120.06

Cash flow, quarterly

Currency USD, millions
Metric2026Q32026Q22026Q12025Q42025Q32025Q2
Funds from Operations17.0213.1926.2224.7117.1815.49
Extraordinary Item0.000.000.000.000.000.00
Changes in Working Capital-1.99-5.615.35-0.7111.22-7.40
Cash from Operating Activities15.047.5731.5723.9928.398.10
Capital Expenditures-1.27-0.66-1.40-0.78-0.66-0.94
Net Assets From Acquisitions0.000.000.000.000.000.00
Sale of Fixed Assets and Businesses0.000.000.00-0.840.000.00
Purchase or Sale of Investments-89.293.73-23.27-18.0233.283.00
Purchase of Investments-115.91-45.52-49.97-45.55-0.07-18.68
Sale Or Maturity of Investments26.6149.2626.7127.5333.3521.68
Other Uses0.000.000.000.000.000.00
Other Sources1.250.000.001.101.710.00
Cash from Investing Activities-106.31-23.1630.41-49.90-6.74-61.29
Cash Dividends Paid-4.70-4.72-4.03-4.00-4.05-4.00
Preferred Dividends (Cash Flow)0.000.000.000.000.000.00
Change in Capital Stock-3.15-0.980.090.080.000.00
Repurchase of Common Pref Stock-3.24-1.060.000.000.000.00
Sale of Common Pref Stock0.090.080.090.080.000.00
Proceedsfrom Stock Options0.090.080.090.080.000.00
Issuance or Reduction of Debt, Net0.000.000.00-35.640.000.00
Change in Long Term Debt0.000.000.0014.360.000.00
Issuance of Long Term Debt0.000.000.0058.860.000.00
Reduction of Long Term Debt0.000.000.00-44.500.000.00
Net Financing Active Other Cash Flow-0.080.00-0.540.000.000.00
Other Financing Activities Uses-0.080.00-0.54-0.000.00
Cash from Financing Activities288.65-67.57-76.73-35.04209.87-150.83
Net Change in Cash197.38-83.15-14.74-60.95231.53-204.02
Free Cash Flow14.457.0130.4923.3227.817.21
Price to Free Cash Flow12.9410.708.5910.448.9513.31

Revenue breakdown

Deposit Account2024: 6.15M 2025: 6.30M
Product and Service, Interchange Income2024: 6.74M 2025: 7.09M
Product and Service, Noninterest Income, Other Operating Income2024: 4.65M 2025: 3.77M
Product and Service, Trust and Investment Management Fee Income2024: 3.37M 2025: 3.71M
United States2024: 20.91M 2025: 20.85M

Short interest

shares short against float, oldest to newest
SettlementOf floatShares shortFloatAvg volume
2026-10-303.56%1.1M30.2M210.79K
2026-10-153.46%1.0M30.3M205.78K
2026-09-303.55%1.1M30.3M197.08K
2026-09-153.37%1.0M30.3M208.78K
2026-08-313.08%0.9M30.3M219.42K
2026-08-142.78%0.8M30.3M222.28K
2026-07-312.68%0.8M30.3M212.88K
2026-07-152.57%0.8M30.4M218.23K
2026-06-302.37%0.7M30.4M231.61K
2026-06-152.70%0.8M30.4M227.77K
2026-05-292.38%0.7M30.4M228.61K
2026-05-152.20%0.7M30.4M233.91K
2026-04-302.18%0.7M30.3M263.16K
2026-04-151.93%0.6M30.3M256.07K
2026-03-312.48%0.7M30.3M236.55K
2026-03-131.84%0.6M30.3M221.55K
2026-02-271.69%0.5M30.3M212.17K
2026-02-131.74%0.5M30.3M220.56K
2026-01-301.79%0.5M30.2M184.69K
2026-01-151.96%0.6M30.2M172.90K

Option chain

expiry 2026-11-20
TypeStrikeBidAskLastIVOpen intVolumeDeltaThetaVega
call12.508.0012.500.005.8110.000.000.954-0.0490.003
call15.005.5010.000.004.5730.000.000.939-0.0460.004
call17.503.007.500.003.5250.000.000.836-0.1040.009
call20.000.504.903.402.5010.000.000.765-0.0850.011
call22.500.003.301.202.24160.000.000.594-0.2050.014
call25.000.000.750.951.0862.000.000.332-0.0820.013
call30.000.000.750.001.9120.000.000.221-0.1140.011
call35.000.000.750.002.5030.000.000.183-0.1340.009
put12.500.000.750.002.5940.000.00-0.045-0.0490.003
put15.000.000.200.001.8310.000.00-0.060-0.0420.004
put17.500.000.750.002.0890.000.00-0.163-0.1030.009
put20.000.000.750.001.3800.000.00-0.234-0.0850.011
put22.500.003.900.002.9160.000.00-0.405-0.2040.014
put25.000.504.900.002.5240.000.00-0.667-0.0810.013
put30.005.009.500.003.1930.000.00-0.779-0.1120.011
put35.0010.1014.500.003.8790.000.00-0.816-0.1310.009

Latest SEC filings

30
FiledFormDescriptionPeriodLink
2026-11-0210-QQuarterly report pursuant to Section 13 or 15(d)2026-09-30SEC
2026-10-294Statement of changes in beneficial ownership of securities2026-10-27SEC
2026-10-238-KCurrent report2026-10-23SEC
2026-10-228-KCurrent report2026-10-22SEC
2026-10-018-KCurrent report2026-09-30SEC
2026-08-254Statement of changes in beneficial ownership of securities2026-08-21SEC
2026-08-254Statement of changes in beneficial ownership of securities2026-08-21SEC
2026-08-258-KCurrent report2026-08-20SEC
2026-08-054Statement of changes in beneficial ownership of securities2026-08-03SEC
2026-08-0310-QQuarterly report pursuant to Section 13 or 15(d)2026-06-30SEC
2026-07-314Statement of changes in beneficial ownership of securities2026-07-29SEC
2026-07-314Statement of changes in beneficial ownership of securities2026-07-29SEC
2026-07-314Statement of changes in beneficial ownership of securities2026-07-29SEC
2026-07-314Statement of changes in beneficial ownership of securities2026-07-29SEC
2026-07-314Statement of changes in beneficial ownership of securities2026-07-29SEC
2026-07-314Statement of changes in beneficial ownership of securities2026-07-29SEC
2026-07-314Statement of changes in beneficial ownership of securities2026-07-29SEC
2026-07-314Statement of changes in beneficial ownership of securities2026-07-29SEC
2026-07-314Statement of changes in beneficial ownership of securities2026-07-29SEC
2026-07-314Statement of changes in beneficial ownership of securities2026-07-29SEC
2026-07-248-KCurrent report2026-07-24SEC
2026-07-238-KCurrent report2026-07-17SEC
2026-07-238-KCurrent report2026-07-23SEC
2026-06-168-KCurrent report2026-06-15SEC
2026-05-264Statement of changes in beneficial ownership of securities2026-05-21SEC
2026-05-264Statement of changes in beneficial ownership of securities2026-05-21SEC
2026-05-264Statement of changes in beneficial ownership of securities2026-05-21SEC
2026-05-264Statement of changes in beneficial ownership of securities2026-05-21SEC
2026-05-264Statement of changes in beneficial ownership of securities2026-05-21SEC
2026-05-264Statement of changes in beneficial ownership of securities2026-05-21SEC

Insider activity by month

MonthBoughtBuysSoldSells
2026-110000
2026-107.75K100
2026-090000
2026-087.37K100
2026-070000
2026-060000
2026-053.55K100
2026-040000
2026-030033.84K1
2026-0299.95K100
2026-010000
2025-120000
2025-11121.99K300

Institutional holders

Manager% owned
BlackRock, Inc.9.61%
DIMENSIONAL FUND ADVISORS LP5.49%
VANGUARD CAPITAL MANAGEMENT LLC4.02%
AMERICAN CENTURY COMPANIES INC3.28%
STATE STREET CORP3.08%
GEODE CAPITAL MANAGEMENT, LLC2.66%
MANUFACTURERS LIFE INSURANCE COMPANY, THE2.65%
WELLINGTON MANAGEMENT GROUP LLP2.30%
Jupiter Topco LLC2.23%
AMERIPRISE FINANCIAL INC1.56%

Funds

Fund% owned
Thompson Bond Fund8.99%
Angel Oak Financial Strategies Income Term Trust6.28%
Avantis U.S. Small Cap Value ETF2.96%
VANGUARD TOTAL STOCK MARKET INDEX FUND2.86%
iShares Russell 2000 ETF2.65%
Janus Henderson Small Cap Value Fund2.23%
U.S. SMALL CAP VALUE PORTFOLIO1.10%
VANGUARD EXTENDED MARKET INDEX FUND1.06%
Fidelity Small Cap Index Fund1.03%
iShares Russell 2000 Value ETF0.94%

OakChart. SHBI. Cached 15 minutes.