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Shore Bancshares vs Smartfinancial: SHBI and SMBK compared
Shore Bancshares is the larger company: $62.8M of revenue in its latest quarter (Q3 2026) against $57.5M for Smartfinancial (Q3 2026). Smartfinancial is growing faster (+13% against +11% a year earlier). Smartfinancial is more profitable, with an operating margin of 35.6% against 35.5%.
Where the money goes: SHBI and SMBK
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.
Smartfinancial (SMBK) · Q3 2026
Smartfinancial, Q3 2026: revenue $57.5M (+13% year over year), operating margin 35.6%, net earnings $18.6M, operating cash flow −$11.0M. The chart follows the revenue to costs, profit and cash.
| Shore Bancshares (SHBI) | Smartfinancial (SMBK) | |
|---|---|---|
| Latest quarter | Q3 2026 | Q3 2026 |
| Revenue | $62.8M | $57.5M |
| Revenue growth, Y/Y | +11% | +13% |
| Operating margin | 35.5% | 35.6% |
| Net earnings | $16.8M | $18.6M |
| Net margin | 26.7% | 32.4% |
| Operating cash flow | $36.0M | −$11.0M |
| Free cash flow | $35.4M | — |
Where the revenue comes from
Smartfinancial
- Net interest income: $49.4M (86%)
- Noninterest income: $8.1M (14%)
Questions
Which is bigger, Shore Bancshares or Smartfinancial?
Shore Bancshares is the larger company: $62.8M of revenue in its latest quarter (Q3 2026) against $57.5M for Smartfinancial (Q3 2026).
Is Shore Bancshares or Smartfinancial growing faster?
Smartfinancial is growing faster (+13% against +11% a year earlier).
Which is more profitable, Shore Bancshares or Smartfinancial?
Smartfinancial is more profitable, with an operating margin of 35.6% against 35.5%.
More: Shore Bancshares earnings · how Shore Bancshares makes money · Smartfinancial earnings · how Smartfinancial makes money
From the companies' latest 10-Q, 10-K or earnings release (10-Q filed Nov 2, 2026; 10-Q filed Nov 9, 2026). Fiscal quarters can end on different dates. Not investment advice.