Compared to Estimates, Shore Bancshares (SHBI) Q3 Earnings: A Look at Key Metrics

Core Insights - Shore Bancshares reported revenue of $56.36 million for the quarter ended September 2025, reflecting an 11.5% increase year-over-year, although it was a slight miss of 0.4% compared to the Zacks Consensus Estimate of $56.58 million [1] - The earnings per share (EPS) for the quarter was $0.48, up from $0.40 in the same quarter last year, resulting in a positive surprise of 6.67% against the consensus estimate of $0.45 [1] Financial Performance Metrics - Net Interest Margin stood at 3.4%, matching the two-analyst average estimate of 3.4% [4] - Efficiency Ratio was reported at 61%, slightly better than the two-analyst average estimate of 61.1% [4] - Total Non-Interest Income was $7.7 million, below the two-analyst average estimate of $7.95 million [4] - Net Interest Income reached $48.66 million, exceeding the two-analyst average estimate of $48.22 million [4] Stock Performance - Over the past month, shares of Shore Bancshares have returned -6.2%, contrasting with the Zacks S&P 500 composite's increase of +0.2% [3] - The stock currently holds a Zacks Rank 3 (Hold), indicating expected performance in line with the broader market in the near term [3]