Shore Bancshares reports Q2 2026 EPS of $0.56, up 10.4% with margin expansion to 3.70%

Filed July 24, 2026 · Period ending July 24, 2026 · ~1 min read

Key Changes

• high

  Q2 2026 net income rose 10.4% to $18.9M ($0.56/share) with ROAA of 1.24% and ROATCE of 15.66%, driven by margin expansion and lower deposit costs.

  Exhibit 99.1 view on EDGAR →
• high

  Net interest margin expanded 6 basis points to 3.70% from 3.64% in Q1 2026, with core NIM (excluding accretion) rising to 3.45% as deposit costs fell from 1.81% to 1.73%.

  Exhibit 99.1 view on EDGAR →
• high

  Management guides 2026 NIM to 3.60%-3.70%, low-single-digit loan growth, mid-single-digit deposit growth, and efficiency ratio in the mid-50% area with 4% expense growth over 2025.

  Exhibit 99.1 view on EDGAR →