Shore Bancshares, Inc. — Earnings Quality Grade A
SHBI · Financial Services
Strong financial health
Screening Summary
Management Signals
Source: SEC EDGAR 8-K Item 5.02, with exhibit links when available
Financial Trends
Revenue & Net Income ($B)
Margins (%)
18-Point Screening
Revenue Quality
DSO 30 days, change -5 days YoY
AR growth -5.2% vs revenue growth 11.6%
Revenue 11.6%, CFFO 33.1%. Cash follows revenue
Expense Quality
No material inventory
CapEx growth -39.4% vs revenue 11.6%. Normal
Insufficient data
Insufficient data
Cash Flow Quality
CFFO/NI = 1.05. Profits backed by cash
FCF $0.1B, FCF/NI = 1.00
Accruals ratio = -0.0%. Low accruals
Cash $0.4B covers debt $0.1B
Balance Sheet Health
Goodwill+Intangibles $0.1B = 16% of equity. Manageable
Insufficient data
Insufficient data
No write-off data
Acquisition Risk
FCF after acquisitions positive
Goodwill+Intangibles change -8% YoY. Normal
Manipulation Score
Insufficient data
Altman Z-Score — Not Applicable
Shore Bancshares, Inc. is a financial company. Z-Score is designed for non-financial companies.
Generated from public financial data using forensic accounting frameworks. Not investment advice. Data: Yahoo Finance · 2026-04-25