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Cash Flow Overview

Change in Cash
-$83,152K
Free Cash flow
$7,006K
Unit: Thousand (K) dollars
Positive Cash Flow Breakdown
    • Proceeds from sale of mortgage l...
    • Noninterest-bearing deposits
    • Proceeds from maturities and pri...
    • Others
Negative Cash Flow Breakdown
    • Interest-bearing deposits
    • Originations of loans held for s...
    • Purchases of available for sale ...
    • Others
Cash Flow
2026-06-30
2026-03-31
2025-12-31
2025-09-30
Net income
18,865
17,088
15,887
14,348
Net accretion of acquisition accounting estimates
3,686
4,263
2,494
2,812
Provision for credit losses
896
85
2,827
2,992
Depreciation and amortization
3,572
3,578
3,590
3,615
Net amortization of securities
132
69
6
-28
Amortization of and valuation adjustments on mortgage servicing rights
-322
-
-
-
Amortization of debt issuance costs
67
72
38
21
Bargain purchase gain
-
-
0
-
Gain on mortgage loans held for sale
1,059
1,549
1,085
2,295
Gain on other mortgage loan activity
373
-238
-42
-902
Proceeds from sale of mortgage loans held for sale
44,985
50,845
37,732
63,644
Originations of loans held for sale
50,098
41,379
47,581
49,572
Stock-based compensation expense
1,012
913
533
387
Deferred income tax expense (benefit)
597
-327
-440
-326
Loss on sales and calls of securities
-
-
0
-
Loss on sales of repossessed assets
-
-
-
-41
Loss on sales and valuation adjustments of repossessed assets
-494
-127
-857
-
Loss on valuation adjustments on mortgage servicing rights
-
-159
-167
-361
Loss on disposal of fixed assets
0
0
-211
-99
Loss on disposal of premises held for sale
0
0
0
0
Valuation adjustments on premises transferred to held for sale
-
-
0
0
Loss on sales and valuation adjustments on other real estate owned
0
-44
-7
-59
Fair value adjustment on equity securities
26
39
-26
-57
Bank-owned life insurance income
948
33
1,783
840
Accrued interest receivable
-655
2,125
-1,857
585
Other assets
-583
-587
1
2,624
Accrued interest payable
-1,341
932
-426
-83
Other liabilities
-5,511
5,957
-2,144
14,512
Net cash provided by operating activities
7,573
31,573
8,478
42,467
Proceeds from maturities and principal payments of available for sale securities
21,305
5,518
7,230
7,267
Proceeds from the sale of acquired available for sale securities
-
-
0
-
Proceeds from maturities and principal payments of held to maturity securities
27,235
21,108
18,480
25,762
Proceeds from life insurance death benefits
-
-
1,100
1,714
Purchases of available for sale securities
45,471
49,926
45,504
27
Purchases of held to maturity securities
0
-
0
-1
Proceeds from sale of loans held for investment
-
-
0
-
Purchases of equity securities
49
48
47
46
Purchase of restricted securities
0
14
3,373
-47
Net change in loans
26,234
-55,093
18,215
55,195
Purchases of premises and equipment
567
1,087
677
586
Proceeds from sales of other real estate owned
69
-
0
-
Proceeds from sales of repossessed assets
646
82
977
321
Redemption of restricted securities
-
-
5,748
0
Purchases of bank-owned life insurance
92
316
101
69
Proceeds from disposal of premises held for sale
0
0
0
0
Cash acquired in the acquisition of tcfc, net of cash paid
-
-
0
-
Net cash provided by (used in) investing activities
-23,158
30,410
-34,382
-20,811
Noninterest-bearing deposits
39,384
-20,528
-6,259
19,083
Interest-bearing deposits
-101,254
-51,716
10,776
194,845
Short-term borrowings
-
-
-50,000
-
Long-term borrowings
-
-
0
0
Proceeds from issuance of subordinated debt, net of issuance costs
-
-
58,860
-
Redemption of subordinated debt
-
-
44,500
-
Shares withheld as tax payments associated with settlement of restricted stock units
0
543
-
-
Common stock dividends paid
4,719
4,030
4,002
4,055
Retirement of common stock
1,060
-
-
-
Issuance of common stock
82
90
82
0
Net cash used in financing activities
-67,567
-76,727
-35,043
209,873
Net decrease in cash and cash equivalents
-83,152
-14,744
-60,947
231,529
Cash and cash equivalents at beginning of period
340,822
355,566
416,513
459,851
Cash and cash equivalents at end of period
257,670
340,822
355,566
416,513
Unit: Thousand (K) dollars (except for numbers of shares and EPS). Numbers labeled with * are estimated quarterly values.

Time Plot

Show the time plot by selecting a row from the table.

Cash Flow

Proceeds from sale ofmortgage loans held for...$44,985K (-45.19%↓ Y/Y)Net income$18,865K (-35.55%↓ Y/Y)Depreciation andamortization$3,572K (-56.04%↓ Y/Y)Stock-based compensationexpense$1,012K (4.33%↑ Y/Y)Provision for creditlosses$896K (-64.95%↓ Y/Y)Accrued interestreceivable-$655K (-358.89%↓ Y/Y)Other assets-$583K (-139.13%↓ Y/Y)Loss on sales andvaluation adjustments of...-$494K Amortization of and valuationadjustments on mortgage...-$322K Net cash provided byoperating activities$7,573K (-33.84%↓ Y/Y)Canceled cashflow$63,745K Net decrease in cashand cash...-$83,152K (69.75%↑ Y/Y)Canceled cashflow$7,573K Noninterest-bearing deposits$39,384K (219.83%↑ Y/Y)Issuance of common stock$82K Proceeds from maturitiesand principal...$27,235K (13.96%↑ Y/Y)Proceeds from maturitiesand principal...$21,305K (69.45%↑ Y/Y)Proceeds from sales ofrepossessed assets$646K (-57.81%↓ Y/Y)Proceeds from sales ofother real estate...$69K Originations of loans held forsale$50,098K (-46.78%↓ Y/Y)Other liabilities-$5,511K (-4.95%↓ Y/Y)Net accretion ofacquisition accounting...$3,686K (-45.29%↓ Y/Y)Accrued interestpayable-$1,341K (-1623.86%↓ Y/Y)Gain on mortgageloans held for sale$1,059K (-53.78%↓ Y/Y)Bank-owned life insuranceincome$948K (-26.34%↓ Y/Y)Deferred income taxexpense (benefit)$597K (482.69%↑ Y/Y)Gain on othermortgage loan activity$373K (-60.23%↓ Y/Y)Net amortization ofsecurities$132K (306.25%↑ Y/Y)Net cash used infinancing activities-$67,567K (69.73%↑ Y/Y)Net cash provided by(used in) investing...-$23,158K (63.32%↑ Y/Y)Canceled cashflow$39,466K Canceled cashflow$49,255K Interest-bearing deposits-$101,254K (55.49%↑ Y/Y)Purchases of available forsale securities$45,471K (-5.61%↓ Y/Y)Common stock dividendspaid$4,719K (-41.28%↓ Y/Y)Retirement of common stock$1,060K Net change in loans$26,234K (-46.65%↓ Y/Y)Purchases of premises andequipment$567K (-70.24%↓ Y/Y)Purchases of bank-ownedlife insurance$92K (-39.47%↓ Y/Y)Purchases of equitysecurities$49K (-45.56%↓ Y/Y)

SHORE BANCSHARES INC (SHBI)

SHORE BANCSHARES INC (SHBI)