Financial insights of SHBI

MyFinsight

For the quarter ending 2025-09-30, SHBI made $147,799K in revenue. $14,348K in net income. Net profit margin of 9.71%.

Income Overview

Revenue
$147,799K
Net Income
$14,348K
Net Profit Margin
9.71%
EPS
$0.43
Unit: Thousand (K) dollars
Revenue Breakdown
Interest and fees on loans
Interest on deposits
Salaries and employee benefits
Others

Unit: Thousand (K) dollars (except for numbers of shares and EPS)

Income Statement	2025-09-30	2025-06-30
Interest and fees on loans	70,930	69,695
Interest and dividends on taxable investment securities	5,036	5,331
Interest and dividends on tax-exempt investment securities	6	6
Interest on deposits with other banks	1,215	1,588
Total interest income	77,187	76,620
Interest on deposits	26,474	27,369
Interest on short-term borrowings	640	605
Interest on long-term borrowings	1,418	1,394
Total interest expense	28,532	29,368
Net interest income	48,655	47,252
Provision for credit losses	2,992	1,528
Net interest income after provision for credit losses	45,663	45,724
Service charges on deposit accounts	1,599	1,519
Gain on sale of loans held for sale	-	1,325
Trust and investment fee income	898	942
Mortgage banking revenue	1,278	1,054
Interchange credits	1,858	1,788
Other noninterest income	2,068	2,690
Total noninterest income	7,701	9,318
Salaries and employee benefits	18,642	17,742
Occupancy expense	2,406	2,472
Furniture and equipment expense	892	796
Software and data processing	5,155	4,819
Directors fees	318	219
Amortization of other intangible assets	2,039	2,272
Fdic insurance premium expense	794	1,023
Legal and professional fees	989	1,225
Fraud losses	45	83
Other noninterest expense	3,099	3,759
Total noninterest expense	34,379	34,410
Income before income taxes	18,985	20,632
Income tax expense	4,637	5,125
Net income	14,348	15,507

Average number of common shares outstanding - basic (in shares)	33,419,291	33,374,265
Average number of common shares used to calculate diluted eps (in shares)	33,435,862	33,388,013
Basic net income per common share (in dollars per share)	0.43	0.46
Diluted net income per common share (in dollars per share)	0.43	0.46

MyFinsight

Income Overview

Revenue
$147,799K
Net Income
$14,348K
Net Profit Margin
9.71%
EPS
$0.43
Unit: Thousand (K) dollars
Revenue Breakdown
Interest and fees on loans
Interest on deposits
Salaries and employee benefits
Others

Time Plot

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

Income Statement

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Income Overview

Revenue
$147,799K
Net Income
$14,348K
Net Profit Margin
9.71%
EPS
$0.43
Unit: Thousand (K) dollars
Revenue Breakdown
Interest and fees on loans
Interest on deposits
Salaries and employee benefits
Others

Time Plot

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

Income Statement

DownloadDownload image

Income Overview

Revenue$147,799KNet Income$14,348KNet Profit Margin9.71%EPS$0.43Unit: Thousand (K) dollarsRevenue BreakdownInterest and fees on loansInterest on depositsSalaries and employee benefitsOthers

Time Plot

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

Income Statement

Income Overview

Revenue$147,799KNet Income$14,348KNet Profit Margin9.71%EPS$0.43Unit: Thousand (K) dollarsRevenue BreakdownInterest and fees on loansInterest on depositsSalaries and employee benefitsOthers

Time Plot

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

Income Statement

Revenue
$147,799K
Net Income
$14,348K
Net Profit Margin
9.71%
EPS
$0.43
Unit: Thousand (K) dollars
Revenue Breakdown
Interest and fees on loans
Interest on deposits
Salaries and employee benefits
Others

Revenue
$147,799K
Net Income
$14,348K
Net Profit Margin
9.71%
EPS
$0.43
Unit: Thousand (K) dollars
Revenue Breakdown
Interest and fees on loans
Interest on deposits
Salaries and employee benefits
Others