Shore Bancshares Retained Earnings | SHBI

Retained earnings — this is the portion of a company’s net profit that has not been distributed to shareholders as dividends but remains at the company’s disposal for future use. It is also referred to as retained income or accumulated earnings.

Possible uses include

reinvestment in development (R&D, equipment, marketing)
debt repayment
acquisition of other companies
creation of reserves for the future

A high level of retained earnings indicates that the company is in a growth phase, accumulating capital and prioritizing reinvestment over dividend payouts. Conversely, low or negative retained earnings may suggest either a generous dividend policy, in which all profits are distributed to shareholders, or ongoing losses that reduce the overall financial result.

The presence of retained earnings does not indicate that the company has available cash — it is solely an accounting figure reflecting the accumulated portion of net profit remaining after dividends have been paid. Therefore, it is important for investors to analyze not only the amount of retained earnings, but also how effectively it is used to develop the business, reduce debt, or build financial stability.

Annual Retained Earnings Shore Bancshares

2025	2024	2023	2022	2021	2020	2019	2018	2017	2016	2015	2014	2013	2012	2011	2010	2009	2008
234 M	190 M	162 M	172 M	150 M	141 M	131 M	121 M	99.7 M	91 M	83.1 M	76.5 M	71.4 M	81.1 M	90.8 M	92.5 M	-	-

All numbers in USD currency

Indicator range from annual reports

Maximum	Minimum	Average
234 M	71.4 M	124 M

Quarterly Retained Earnings Shore Bancshares

2026-Q2	2026-Q1	2025-Q3	2025-Q2	2025-Q1	2024-Q4	2024-Q3	2024-Q2	2024-Q1	2023-Q4	2023-Q3	2023-Q2	2023-Q1	2022-Q4	2022-Q3	2022-Q2	2022-Q1	2021-Q4	2021-Q3	2021-Q2	2021-Q1	2020-Q4	2020-Q3	2020-Q2	2020-Q1	2019-Q4	2019-Q3	2019-Q2	2019-Q1	2018-Q4	2018-Q3	2018-Q2	2018-Q1	2017-Q4	2017-Q3	2017-Q2	2017-Q1	2016-Q4	2016-Q3	2016-Q2	2016-Q1	2015-Q4	2015-Q3	2015-Q2	2015-Q1	2014-Q4	2014-Q3	2014-Q2	2014-Q1	2013-Q4	2013-Q3	2013-Q2	2013-Q1	2012-Q4	2012-Q3	2012-Q2	2012-Q1	2011-Q4	2011-Q3	2011-Q2	2011-Q1
261 M	247 M	222 M	211 M	200 M	190 M	181 M	174 M	166 M	162 M	159 M	169 M	168 M	172 M	166 M	158 M	153 M	150 M	150 M	146 M	144 M	141 M	141 M	141 M	141 M	131 M	131 M	131 M	131 M	121 M	121 M	121 M	121 M	99.7 M	99.7 M	99.7 M	99.7 M	91 M	91 M	91 M	91 M	83.1 M	83.1 M	83.1 M	83.1 M	76.5 M	76.5 M	76.5 M	76.5 M	71.4 M	71.4 M	71.4 M	71.4 M	81.1 M	81.1 M	81.1 M	81.1 M	90.8 M	90.8 M	90.8 M	90.8 M

All numbers in USD currency

Indicator range from quarterly reporting

Maximum	Minimum	Average
261 M	71.4 M	126 M

Retained Earnings of other stocks in the Banks regional industry

Issuer	Retained Earnings	Price	% 24h	Market Cap	Country
Sound Financial Bancorp SFBC	81.5 M	$ 43.05	3.38 %	$ 110 M	USA
ServisFirst Bancshares SFBS	1.61 B	$ 39.51	1.01 %	$ 2.16 B	USA
Simmons First National Corporation SFNC	864 M	$ 22.71	0.75 %	$ 3.05 B	USA
Southern First Bancshares SFST	251 M	$ 60.67	0.12 %	$ 491 M	USA
Shinhan Financial Group Co., Ltd. SHG	39 T	$ 78.46	0.55 %	$ 39.7 B	South-korea
Southern Missouri Bancorp SMBC	120 M	$ 71.9	1.72 %	$ 798 M	USA
South Plains Financial SPFI	434 M	$ 42.73	0.14 %	$ 696 M	USA
1st Source Corporation SRCE	1.02 B	$ 86.26	0.04 %	$ 2.11 B	USA
Summit State Bank SSBI	37.5 M	$ 12.21	0.21 %	$ 74.1 M	USA
S&T Bancorp STBA	1.12 B	$ 49.23	1.29 %	$ 1.88 B	USA
Grupo Supervielle S.A. SUPV	-14.4 B	$ 7.36	7.29 %	$ 3.24 B	-
Stock Yards Bancorp SYBT	675 M	$ 77.61	1.58 %	$ 2.28 B	USA
The Bancorp TBBK	1.01 B	$ 48.33	0.25 %	$ 2.21 B	USA
Texas Capital Bancshares TCBI	2.81 B	$ 93.69	0.46 %	$ 4.28 B	USA
TriCo Bancshares TCBK	740 M	$ 52.27	1.53 %	$ 1.71 B	USA
Truist Financial Corporation TFC	26.1 B	$ 46.33	0.18 %	$ 59.6 B	USA
TFS Financial Corporation TFSL	947 M	$ 16.77	0.09 %	$ 4.67 B	USA
First Financial Corporation THFF	742 M	$ 74.71	1.35 %	$ 885 M	USA
Tompkins Financial Corporation TMP	662 M	$ 97.93	0.11 %	$ 1.4 B	USA
TowneBank TOWN	558 M	$ 35.84	0.45 %	$ 2.58 B	USA
Timberland Bancorp TSBK	237 M	$ 45.17	0.57 %	$ 358 M	USA
United Bancorp UBCP	48.6 M	$ 14.06	3.43 %	$ 77.2 M	USA
United Bankshares UBSI	2.17 B	$ 46.43	1.38 %	$ 6.52 B	USA
UMB Financial Corporation UMBF	3.74 B	$ 129.8	0.89 %	$ 9.51 B	USA
Union Bankshares UNB	96.2 M	$ 22.93	3.23 %	$ 105 M	USA
Unity Bancorp UNTY	244 M	$ 54.67	1.26 %	$ 549 M	USA
U.S. Bancorp USB	80.9 B	$ 57.27	0.15 %	$ 89.2 B	USA
Univest Financial Corporation UVSP	591 M	$ 41.65	1.43 %	$ 1.17 B	USA
Valley National Bancorp VLY	1.91 B	$ 12.76	0.16 %	$ 7.14 B	USA
Westamerica Bancorporation WABC	585 M	$ 59.06	0.81 %	$ 1.52 B	USA
Washington Federal WAFD	2.11 B	$ 30.17	2.74 %	$ 2.42 B	USA
Western Alliance Bancorporation WAL	5.61 B	$ 76.02	0.26 %	$ 8.27 B	USA
Woori Financial Group WF	27 T	$ 75.68	0.4 %	$ 56.1 B	South-korea
Western New England Bancorp WNEB	152 M	$ 13.84	0.18 %	$ 279 M	USA
WesBanco WSBC	1.25 B	$ 37.75	1.3 %	$ 3.43 B	USA
West Bancorporation WTBA	294 M	$ 29.45	4.16 %	$ 498 M	USA
Waterstone Financial WSBF	293 M	$ 19.9	0.25 %	$ 355 M	USA
WSFS Financial Corporation WSFS	2.12 B	$ 77.34	1.84 %	$ 4.35 B	USA
Zions Bancorporation, National Association ZION	7.33 B	$ 63.28	0.17 %	$ 9.31 B	USA
FNCB Bancorp FNCB	71.8 M	-	-	$ 133 M	USA
Evans Bancorp EVBN	143 M	-	2.41 %	$ 218 M	USA
Mid-Southern Bancorp MSVB	24.9 M	-	1.55 %	$ 30.4 M	USA
Oconee Federal Financial Corp. OFED	82.8 M	-	-	$ 75.8 M	USA
Heartland Financial USA HTLF	1.14 B	-	-2.16 %	$ 2.77 B	USA
Old Point Financial Corporation OPOF	88.5 M	-	-	$ 213 M	USA
PCSB Financial Corporation PCSB	162 M	-	-0.62 %	$ 295 M	USA
Professional Holding Corp. PFHD	36.1 M	-	-0.52 %	$ 404 M	USA
Randolph Bancorp RNDB	60.5 M	-	-	$ 140 M	USA
Sandy Spring Bancorp SASR	857 M	-	1.27 %	$ 1.26 B	USA