Shore Bancshares, Inc. (SHBI)

Shore Bancshares Cash Flow Statement

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

Operating Activities

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Jun 30, 2026	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Net Income	66.19	59.51	43.89	11.23	31.18	15.37
Depreciation & Amortization	14.47	15.33	16.04	10.94	5.86	3.09
Other Amortization	0.2	0.12	0.12	0.12	0.12	0.12
Gain (Loss) on Sale of Assets	1.78	1.34	-0.44	0.27	0.23	0.01
Gain (Loss) on Sale of Investments	-0.2	-0.1	-0.49	2.95	1.57	1.62
Provision for Credit Losses	6.8	8.38	4.74	30.95	1.93	-0.36
Net Decrease (Increase) in Loans Originated / Sold - Operating	8.58	-7.83	-6.21	-1.64	29.14	-26.64
Accrued Interest Receivable	-0.2	1.02	-0.35	-0.72	-2.67	2.15
Change in Other Net Operating Assets	11.57	3	2.58	-14.56	-7.29	-1.12
Other Operating Activities	-15.84	-14.17	-8.16	-16.61	-4.44	-1.19
Operating Cash Flow	90.09	62.39	46.89	22.71	52.65	-7.5
Operating Cash Flow Growth	70.26%	33.07%	106.43%	-56.86%	-	-

Investing Activities

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Jun 30, 2026	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Capital Expenditures	-2.92	-3.17	-5.22	-5.95	-2.42	-3.45
Sale of Property, Plant and Equipment	-	0.84	0.95	0.72	0.02	-
Cash Acquisitions	-	-	-	25.37	-	305.78
Investment in Securities	-7.21	-1	-6.38	463.47	-135.39	-174.6
Net Decrease (Increase) in Loans Originated / Sold - Investing	-44.55	-122.58	-123.28	-308.67	-426.97	-79.77
Other Investing Activities	6.67	7.59	-0.61	-2.64	-17.18	-9.77
Investing Cash Flow	-47.94	-118.32	-134.54	172.31	-581.57	38.19

Financing Activities

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Jun 30, 2026	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Short-Term Debt Issued	-	-	-	-	35.86	3.09
Long-Term Debt Issued	-	58.86	50	-	-	-
Total Debt Issued	58.86	58.86	50	-	35.86	3.09
Short-Term Debt Repaid	-	-50	-	-109	-	-
Long-Term Debt Repaid	-	-44.5	-	-	-10	-
Total Debt Repaid	-94.5	-94.5	-	-109	-10	-
Net Debt Issued (Repaid)	-35.64	-35.64	50	-109	25.86	3.09
Issuance of Common Stock	0.25	0.08	0.38	0.39	0.39	0.01
Repurchase of Common Stock	-1.6	-	-	-	-	-0.82
Common Dividends Paid	-16.81	-16.09	-16.01	-12.73	-9.53	-6.61
Net Increase (Decrease) in Deposit Accounts	84.33	3.3	140.73	243.24	-15.9	370.33
Financing Cash Flow	30.54	-48.35	175.09	121.89	0.81	366.01

Net Cash Flow

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Jun 30, 2026	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Net Cash Flow	72.69	-104.29	87.44	316.91	-528.11	396.7

Free Cash Flow

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Jun 30, 2026	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Free Cash Flow	87.17	59.22	41.66	16.76	50.23	-10.95
Free Cash Flow Growth	77.38%	42.15%	148.60%	-66.64%	-	-
Free Cash Flow Margin	37.87%	27.33%	21.15%	13.02%	41.02%	-14.04%
Free Cash Flow Per Share	2.61	1.77	1.25	0.63	2.53	-0.83

Additional Metrics

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Jun 30, 2026	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Cash Interest Paid	107.31	114.86	123.57	74.04	12.62	6.01
Cash Income Tax Paid	19.92	15.07	-	7.29	11.85	6.25

SEC Filings: 10-K · 10-Q

Data Source: S&P Global Market Intelligence Last updated: Jun 30, 2026

Financial data is provided by S&P Global Market Intelligence and updates within hours after each earnings release, which is every three months for this company.

Update frequency:

Quarterly

Last checked:

Sep 8, 2026

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