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Shore Bancshares cash flow, quarter by quarter

Latest: Q3 2026 · from the cash-flow statements filed with the SEC

Free cash flow$35.4M in Q3 2026 · $80.7M over twelve months

Operating cash flow$36.0M
Capital spending−$590K
Free cash flow+$35.4M
Cash / net income2.1×

Analysis

In Q3 2026, Shore Bancshares generated $36.0M of operating cash flow and spent $590K on capital projects, leaving free cash flow of $35.4M. That is $6.5M less than in Q3 2025 ($41.9M).

Over the twelve months to Sep 30, 2026, operating cash flow was $83.6M; the largest uses were other investing ($151M), dividends ($17.5M), capital spending ($2.9M); besides operations, cash came from other financing ($126M), shares issued ($342K); the cash balance rose by $38.5M.

Operating cash flow was $36.0M against net income of $16.8M — 2.1× profit, cash ran ahead of reported earnings. The largest differences: prepaid and other assets −$3.3M, other liabilities +$1.3M, stock-based pay +$713K.

Free cash flow

Shore Bancshares: free cash flow by quarterShore Bancshares: free cash flow by quarter$31.2MQ4 2024$18.8MQ1 2025−$9.2MQ2 2025$41.9MQ3 2025$7.8MQ4 2025$30.5MQ1 2026$7.0MQ2 2026$35.4MQ3 2026
Operating cash flow less capital spending.
Shore Bancshares: operating cash flow against capital spendingShore Bancshares: operating cash flow against capital spendingOperating cash flowCapital spending$32.4M$1.3MQ4 2024$19.8M$1.0MQ1 2025−$8.3M$881KQ2 2025$42.5M$586KQ3 2025$8.5M$677KQ4 2025$31.6M$1.1MQ1 2026$7.6M$567KQ2 2026$36.0M$590KQ3 2026
Latest (Q3 2026): Operating cash flow $36.0M, Capital spending $590K.

Capital allocation, year by year

Shore Bancshares: where the cash came from (up) and went (down), by fiscal yearShore Bancshares: where the cash came from (up) and went (down), by fiscal yearOperating cash flowNet borrowingShares issuedAsset salesCapital spendingDividendsFY2021: Operating cash flow −$7.5MFY2021: Net borrowing $3.1MFY2021: Shares issued $6KFY2021: Capital spending −$3.5MFY2021: Dividends −$6.6M$3.1MFY2021FY2022: Operating cash flow $52.6MFY2022: Net borrowing $25.9MFY2022: Shares issued $386KFY2022: Asset sales $17KFY2022: Capital spending −$2.4MFY2022: Dividends −$9.5M$78.9MFY2022FY2023: Operating cash flow $22.7MFY2023: Net borrowing −$109MFY2023: Shares issued $770KFY2023: Capital spending −$6.0MFY2023: Dividends −$12.7M$23.5MFY2023FY2024: Operating cash flow $46.9MFY2024: Net borrowing $50.0MFY2024: Shares issued $752KFY2024: Asset sales $946KFY2024: Capital spending −$5.2MFY2024: Dividends −$16.0M$98.6MFY2024FY2025: Operating cash flow $62.4MFY2025: Net borrowing −$50.0MFY2025: Shares issued $224KFY2025: Asset sales $843KFY2025: Capital spending −$3.2MFY2025: Dividends −$16.1M$63.5MFY2025
Over these 5 years operating cash flow totalled $177M; the largest uses were net borrowing ($159M) and dividends ($61.0M). Cash-flow statements as filed.

Cash runway and the debt wall

Cash & investments$455M
Debt$89.3M
Net cash$366M

Shore Bancshares funds itself: free cash flow was $80.7M over the last twelve months, and $455M of cash and investments stands against $89.3M of debt.

Where the cash came from and went

Shore Bancshares: sources (+) and uses (−) of cash, Q3 2026Shore Bancshares: sources (+) and uses (−) of cash, Q3 2026Other financing$297MCash drawn (+) / kept (−)−$197MOther investing−$127MOperating cash flow$36.0MDividends−$4.7MBuybacks−$3.2MCapital spending−$590KShares issued$88KTaxes on employees’ shares−$76K
Shore Bancshares: sources (+) and uses (−) of cash, TTM to Q3 2026Shore Bancshares: sources (+) and uses (−) of cash, TTM to Q3 2026Other investing−$151MOther financing$126MOperating cash flow$83.6MCash drawn (+) / kept (−)−$38.5MDividends−$17.5MCapital spending−$2.9MShares issued$342K

From profit to cash

Shore Bancshares: net income to operating cash flow, Q3 2026Shore Bancshares: net income to operating cash flow, Q3 2026Net income$16.8MStock-based pay$713KPrepaid and other assets−$3.3MOther liabilities$1.3MOperating cash flow$36.0M
Non-cash charges are added back; money tied up in receivables or inventory is subtracted.

Every quarter

QuarterOperating cash flowCapital spendingBuybacksDividendsShares issuedCash drawn (+) / kept (−)Free cash flow
Q3 2026$36.0M−$590K−$3.2M−$4.7M$88K−$197M$35.4M
Q2 2026$7.6M−$567K—−$4.7M$82K$83.2M$7.0M
Q1 2026$31.6M−$1.1M—−$4.0M$90K$14.7M$30.5M
Q4 2025$8.5M−$677K—−$4.0M$82K$60.9M$7.8M
Q3 2025$42.5M−$586K—−$4.1M—−$232M$41.9M
Q2 2025−$8.3M−$881K—−$4.0M—$204M−$9.2M
Q1 2025$19.8M−$1.0M—−$4.0M—$70.8M$18.8M
Q4 2024$32.4M−$1.3M—−$4.0M$55K−$276M$31.2M

Shore Bancshares: income statement and cash flow

Shore Bancshares, Q3 2026: revenue $62.8M (+11% year over year), operating margin 35.5%. The chart follows the revenue to costs, profit and cash.

Shore Bancshares: every quarter, Q/Q and Y/Y → Open in the app

Read automatically from the company’s XBRL cash-flow statements; quarterly figures for the fourth quarter are the year less the first three. Errors are possible. Not investment advice.