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Shore Bancshares vs Peoples Financial Services: SHBI and PFIS compared
Shore Bancshares is the larger company: $62.8M of revenue in its latest quarter (Q3 2026) against $53.0M for Peoples Financial Services (Q3 2026). Peoples Financial Services is growing faster (+14% against +11% a year earlier). Peoples Financial Services is more profitable, with an operating margin of 42.3% against 35.5%.
Where the money goes: SHBI and PFIS
Shore Bancshares (SHBI) · Q3 2026
Shore Bancshares, Q3 2026: revenue $62.8M (+11% year over year), operating margin 35.5%, net earnings $16.8M, operating cash flow $36.0M. The chart follows the revenue to costs, profit and cash.
Peoples Financial Services (PFIS) · Q3 2026
Peoples Financial Services, Q3 2026: revenue $53.0M (+14% year over year), operating margin 42.3%, net earnings $19.1M, operating cash flow $14.8M. The chart follows the revenue to costs, profit and cash.
| Shore Bancshares (SHBI) | Peoples Financial Services (PFIS) | |
|---|---|---|
| Latest quarter | Q3 2026 | Q3 2026 |
| Revenue | $62.8M | $53.0M |
| Revenue growth, Y/Y | +11% | +14% |
| Operating margin | 35.5% | 42.3% |
| Net earnings | $16.8M | $19.1M |
| Net margin | 26.7% | 36.1% |
| Operating cash flow | $36.0M | $14.8M |
| Free cash flow | $35.4M | $13.6M |
Where the revenue comes from
Peoples Financial Services
- Net interest income: $47.3M (89%)
- Noninterest income: $5.7M (11%)
Questions
Which is bigger, Shore Bancshares or Peoples Financial Services?
Shore Bancshares is the larger company: $62.8M of revenue in its latest quarter (Q3 2026) against $53.0M for Peoples Financial Services (Q3 2026).
Is Shore Bancshares or Peoples Financial Services growing faster?
Peoples Financial Services is growing faster (+14% against +11% a year earlier).
Which is more profitable, Shore Bancshares or Peoples Financial Services?
Peoples Financial Services is more profitable, with an operating margin of 42.3% against 35.5%.
More: Shore Bancshares earnings · how Shore Bancshares makes money · Peoples Financial Services earnings · how Peoples Financial Services makes money
From the companies' latest 10-Q, 10-K or earnings release (10-Q filed Nov 2, 2026; 10-Q filed Nov 6, 2026). Fiscal quarters can end on different dates. Not investment advice.