Shore Bancshares Inc is classed by the SEC under National Commercial Banks (industry code 6021), based in Easton, MD. In its latest annual figures on file, for the fiscal year ended 2025-12-31, it reported revenue of $21 million and a profit of $60 million (its filed statements).
Lending businessNational Commercial BanksEaston, MDfilings since 19978 of 9 filed, 1 estimated
Three tenses, nine metrics. Unseen metrics stay unseen; the grade never fakes a number. Proxy era: provisional values, marked. Weighed as a lending business: prior from its industry code (SEC 6021, National Commercial Banks); the filing read can change it. All three tenses have at least two readings, so the archetype blend applies as printed.
The grade, in three tenses
Headline 4.4 out of ten, 8 of 9 metrics filed and 1 estimated: past 2.6 out of ten, present 5.4 out of ten, future 5.8 out of ten. The past asks what it actually did, the present what it is doing right now, the future what it is set up to do next.
The nine metrics
Surviving crises (past): 0.3 out of ten. 4 warning events since 2017; the latest 2026-07-23. 3rd percentile among 83 sector filers. A production reading, recomputed from the filings on every data build (read from EDGAR 2026-10-12).
Track record (past): 7.5 out of ten. +25.3% a year over 10 filed years; profitable in 10 of 10. 75th percentile among 79 sector filers. A production reading, recomputed from the filings on every data build (read from EDGAR 2026-10-12).
Shareholder treatment (past): 2.4 out of ten. Share count grew 18.9% a year. 34% of cash flow returned. Insiders: 1 sales, 7 purchases. 24th percentile among 81 sector filers. A production reading, recomputed from the filings on every data build (read from EDGAR 2026-10-12).
Financial health (present): 4.2 out of ten. ROE 10%: 10¢ of profit per shareholder dollar. Leverage 91%: owes 91¢ per asset dollar. 42nd percentile among 83 sector filers. A production reading, recomputed from the filings on every data build (read from EDGAR 2026-10-12).
Industry position (present): 5.2 out of ten. top 48% of 79 in its family; net margin 19.2%. 52nd percentile among 79 sector filers. A production reading, recomputed from the filings on every data build (read from EDGAR 2026-10-12).
Leadership (present): 8.3 out of ten. CrossAssetData estimate 8.3/10, confidence 35 of 100 (one part). 83rd percentile among 79 sector filers. A CrossAssetData estimate, not a filed reading: one part, confidence 35 of 100; a filing that carries the missing parts replaces this estimate with the filed reading.
Room to expand (future): 5.0 out of ten. bottom 50% of 71 in its family for room to expand. 50th percentile among 71 sector filers. A production reading, recomputed from the filings on every data build (read from EDGAR 2026-10-12).
Growth drivers (future): 6.5 out of ten. top 34% of 79 in its family for growth drivers. 66th percentile among 79 sector filers. A production reading, recomputed from the filings on every data build (read from EDGAR 2026-10-12).
Expectations vs reality (future): 5.8 out of ten. top 42% of 76 in its family for expectations against reality. 58th percentile among 76 sector filers. A production reading, recomputed from the filings on every data build (read from EDGAR 2026-10-12).
The filing record
Newest annual report: Form 10-K filed 2026-03-02 for the period ended 2025-12-31 (on EDGAR). Newest quarterly report: Form 10-Q filed 2026-08-03 for the period ended 2026-06-30 (on EDGAR). Newest results release: Form 8-K filed 2026-07-23 (on EDGAR). Newest filing: Form 8-K, 2026-10-01. Filings on record since 1997. Read from EDGAR 2026-10-12.
Who runs it
Burke, James M (President & CEO); Capitani, Todd L (EVP, Special Advisor to CEO); Cullum, Charles S (EVP, Chief Financial Officer); Stevens, Donna J. (EVP, Chief Operating Officer); Stayton, Noah Edward (EVP, Chief Information Officer); Anderson, Virginia Marie (EVP Chief Internal Audit Off.); Ebron, Brian Scot (EVP, Chief Banking Officer); Lombardi, Christy (EVP, Chief Human Resources Ofc); Pierce, Lacey Amanda (Chief Strategy&ProjectOfficer); Ruch,, Jr. Charles E. (EVP, Chief Credit Officer); and 17 more. 27 officers and directors have filed their own trades in the last fifteen months, names and titles as filed with the SEC, through 2026-09-30.
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