Shore Bancshares Cash Flow Statement

Financials in millions USD. Fiscal year is January - December.

Millions USD. Fiscal year is Jan - Dec.

Fiscal Year	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021
Net Income	43.89	11.23	31.18	15.37
Depreciation & Amortization	16.04	10.94	5.86	3.09
Other Amortization	0.12	0.12	0.12	0.12
Gain (Loss) on Sale of Assets	-0.44	0.27	0.23	0.01
Gain (Loss) on Sale of Investments	-0.49	2.95	1.57	1.62
Provision for Credit Losses	5	30.92	1.93	-0.36
Net Decrease (Increase) in Loans Originated / Sold - Operating	-6.21	-1.64	29.14	-26.64
Accrued Interest Receivable	-0.35	-0.72	-2.67	2.15
Change in Other Net Operating Assets	2.32	-14.53	-7.29	-1.12
Other Operating Activities	-8.16	-16.61	-4.44	-1.19
Operating Cash Flow	46.89	22.71	52.65	-7.5
Operating Cash Flow Growth	106.43%	-56.86%	-	-
Capital Expenditures	-5.22	-5.95	-2.42	-3.45
Sale of Property, Plant and Equipment	0.95	0.72	0.02	-
Cash Acquisitions	-	25.37	-	305.78
Investment in Securities	-6.38	463.47	-135.39	-174.6
Net Decrease (Increase) in Loans Originated / Sold - Investing	-123.28	-308.67	-426.97	-79.77
Other Investing Activities	-0.61	-2.64	-17.18	-9.77
Investing Cash Flow	-134.54	172.31	-581.57	38.19
Short-Term Debt Issued	-	-	35.86	3.09
Long-Term Debt Issued	50	-	-	-
Total Debt Issued	50	-	35.86	3.09
Short-Term Debt Repaid	-	-109	-	-
Long-Term Debt Repaid	-	-	-10	-
Total Debt Repaid	-	-109	-10	-
Net Debt Issued (Repaid)	50	-109	25.86	3.09
Issuance of Common Stock	0.38	0.39	0.39	0.01
Repurchase of Common Stock	-	-	-	-0.82
Common Dividends Paid	-16.01	-12.73	-9.53	-6.61
Net Increase (Decrease) in Deposit Accounts	140.73	243.24	-15.9	370.33
Financing Cash Flow	175.09	121.89	0.81	366.01
Net Cash Flow	87.44	316.91	-528.11	396.7
Free Cash Flow	41.66	16.76	50.23	-10.95
Free Cash Flow Growth	148.60%	-66.64%	-	-
Free Cash Flow Margin	21.15%	13.02%	41.02%	-14.04%
Free Cash Flow Per Share	1.25	0.63	2.53	-0.83
Cash Interest Paid	123.57	74.04	12.62	6.01
Cash Income Tax Paid	-	7.29	11.85	6.25

Updated Dec 31, 2025. Source: S&P Global Market Intelligence. Banks template. Financial Sources.

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