Financial Analysis
Filing-based analysis. Market pricing is not included. Fundamentals from SEC filings; economic data from FRED and the BLS. About our data
Filing evidence summary
Mixed evidenceCoverage 3/5 core metricsFlagged areas: Dilution.
Backward-looking filed evidence under visible rules - not a rating, forecast or investment advice. Missing data is never scored.
Evidence signals
- 1 filing risk check flagged
Flagged areas: Dilution.
Why this surfaced
The full financial analysis shows each value, threshold, and sector limitation.
- Revenue was broadly stable
Latest reported annual revenue changed -0.3% from the prior reported annual observation.
Why this surfaced
Direction threshold: above +2% constructive; below -2% caution; otherwise monitor. This is not labeled one-year growth when filing periods have a gap. Period end 2025-12-31.
- Free cash flow was positive
Latest reported free cash flow was $59M.
Why this surfaced
Free cash flow = operating cash flow minus capital expenditures; positive is supporting evidence, not a valuation conclusion. Period end 2025-12-31.
Core trend metrics
Hover a tile for its exact definition; the Statements tab carries per-cell filing citations.
Where to look next
Risk checks
- Dilution
Financial movement
- Cash→ flat
- Long-term debt→ flat
- Inventory→ flat
- Receivables→ flat
- Current assets→ flat
Source & freshness
- Source
- SEC EDGAR XBRL
- Fetched
- 2026-09-06
- Latest period end
- 2025-12-31
- Filings
- EDGAR ↗
Reported segment mix
figures as filed · share of the filed sum · change vs the prior period in the same filing- Product And Service Interchange Income$7.08M34.0%+5.1% yoy
- Deposit Account$6.29M30.2%+2.4% yoy
- Product And Service Noninterest Income Other Operating Income$3.77M18.1%-19.0% yoy
- Product And Service Trust And Investment Management Fee Income$3.71M17.8%+10.0% yoy
Members sum to the consolidated $20.9M for this period.
- Product And Service Interchange Income$1.7M31.5%+7.7% yoy
- Deposit Account$1.6M29.6%+5.4% yoy
- Product And Service Trust And Investment Management Fee Income$1.14M21.1%+38.2% yoy
- Product And Service Noninterest Income Other Operating Income$958K17.8%+11.8% yoy
Change is against the same quarter a year earlier, as reported in the same 10-Q.
Source: SEC DERA Financial Statement and Notes data sets. Dimensional XBRL facts on the business-segment, product/service and geographic axes; the engine keeps the accession of every figure. Descriptive and educational, not advice.
Peer percentiles
latest fiscal year ending 2025-12-31 · among 4,058 US-listed filers · 868 in Financials| Metric | Value | vs all filers | vs sector |
|---|---|---|---|
Revenue latest fiscal-year revenue as filed | $21M | 15thof 3,301 bottom third | 19thof 540 bottom third |
Revenue growth latest fiscal-year revenue vs the prior fiscal year | -0.3% | 29thof 3,137 bottom third | 24thof 517 bottom third |
Net margin net income ÷ revenue | 285.4% | 98thof 3,263 top third | 89thof 533 top third |
Free-cash-flow margin (operating cash flow − |capex|) ÷ revenue | 284.0% | 98thof 2,679 top third | 86thof 306 top third |
Return on equity net income ÷ stockholders' equity (positive equity only) | 10.1% | 66thof 3,577 middle third | 59thof 773 middle third |
Stock comp ÷ revenue stock-based compensation ÷ revenue · lower is ranked higher | 9.1% | 26thof 2,895 bottom third | 31stof 421 bottom third |
Net debt ÷ operating cash flow net debt ÷ operating cash flow (OCF > 0) · lower is ranked higher | -4.3× | 98thof 1,547 top third | 94thof 296 top third |
Cash conversion operating cash flow ÷ net income (net income > 0) | 1.1× | 22ndof 1,954 bottom third | 36thof 574 middle third |
Cash-flow accrual ratio (net income − operating cash flow) ÷ average total assets · lower is ranked higher | -0.1% | 17thof 2,770 bottom third | 31stof 649 bottom third |
Balance-sheet accrual ratio change in net operating assets ÷ average net operating assets · lower is ranked higher | 70.4% | 11thof 2,345 bottom third | 12thof 604 bottom third |
Each filer's latest fiscal year as stored by the nightly crawl; fiscal year ends differ across the universe. A metric ranks only filers for which it is computable from filed facts. Ties split; a rank reads "better than N% of filers" in the metric's own direction. Descriptive and educational, not a rating.
Earnings quality
latest fiscal year ending 2025-12-31 · accruals and cash conversion as filedPer fiscal year from filed facts: cash conversion = operating cash flow / net income (net income > 0); cash-flow accrual ratio = (net income - operating cash flow) / average total assets; balance-sheet accrual ratio = change in net operating assets / average net operating assets, NOA = (assets - cash) - (liabilities - debt). Descriptive; a missing input yields a missing ratio. High accrual ratios and cash conversion well below one are the measures the accruals literature associates with less persistent earnings; they are screens to read the cash-flow statement with, not conclusions. The per-year series is part of Pro risk analysis.
Point-in-time ledger
first-reported vs latest filing · periods since 2020-01-01 · 16 changed periods| Line item | Period | First reported | Latest filing | Change | Filings |
|---|---|---|---|---|---|
| Diluted shares WeightedAverageNumberOfDilutedSharesOutstanding | quarter 2021-06-30 | 11,754 shares 10-Q 2021-08-13 | 11,754,000 shares 10-Q 2022-08-15 | +99900.0% | first · latest |
| Diluted shares WeightedAverageNumberOfDilutedSharesOutstanding | quarter 2023-03-31 | 19,886 shares 10-Q 2023-05-15 | 19,886,000 shares 10-Q 2024-05-09 | +99900.0% | first · latest |
| Diluted shares WeightedAverageNumberOfDilutedSharesOutstanding | quarter 2023-06-30 | 19,903 shares 10-Q 2023-08-14 | 19,903,000 shares 10-Q 2024-08-09 | +99900.0% | first · latest |
| Basic shares WeightedAverageNumberOfSharesOutstandingBasic | quarter 2021-06-30 | 11,752 shares 10-Q 2021-08-13 | 11,752,000 shares 10-Q 2022-08-15 | +99900.0% | first · latest |
| Basic shares WeightedAverageNumberOfSharesOutstandingBasic | quarter 2021-09-30 | 11,752 shares 10-Q 2021-11-15 | 11,752,000 shares 10-Q 2022-11-14 | +99900.0% | first · latest |
| Basic shares WeightedAverageNumberOfSharesOutstandingBasic | quarter 2023-03-31 | 19,886 shares 10-Q 2023-05-15 | 19,886,000 shares 10-Q 2024-05-09 | +99900.0% | first · latest |
| Basic shares WeightedAverageNumberOfSharesOutstandingBasic | quarter 2023-06-30 | 19,903 shares 10-Q 2023-08-14 | 19,903,000 shares 10-Q 2024-08-09 | +99900.0% | first · latest |
| Diluted shares WeightedAverageNumberOfDilutedSharesOutstanding | quarter 2020-03-31 | 12,518,000 shares 10-Q 2020-05-11 | 12,518 shares 10-Q 2021-05-14 | -99.9% | first · latest |
| Diluted shares WeightedAverageNumberOfDilutedSharesOutstanding | quarter 2022-06-30 | 19,847,000 shares 10-Q 2022-08-15 | 19,847 shares 10-Q 2023-08-14 | -99.9% | first · latest |
| Basic shares WeightedAverageNumberOfSharesOutstandingBasic | quarter 2020-03-31 | 12,513,000 shares 10-Q 2020-05-11 | 12,513 shares 10-Q 2021-05-14 | -99.9% | first · latest |
| Basic shares WeightedAverageNumberOfSharesOutstandingBasic | quarter 2022-06-30 | 19,847,000 shares 10-Q 2022-08-15 | 19,847 shares 10-Q 2023-08-14 | -99.9% | first · latest |
| Net income NetIncomeLoss | quarter 2023-09-30 | -$6.38M 10-Q 2023-11-14 | -$9.74M 10-Q 2024-11-07 | -52.5% | first · latest · 3 filings carry it |
| Revenue RevenueFromContractWithCustomerExcludingAssessedTax | quarter 2025-03-31 | $4.64M 10-Q 2025-05-08 | $4.77M 10-Q 2026-05-04 | +2.8% | first · latest |
| Revenue RevenueFromContractWithCustomerExcludingAssessedTax | quarter 2025-06-30 | $5.71M 10-Q 2025-08-07 | $5.8M 10-Q 2026-08-03 | +1.6% | first · latest |
| Stockholders' equity StockholdersEquity | balance at 2023-09-30 | $505M 10-Q 2023-11-14 | $502M 10-Q 2024-11-07 | -0.7% | first · latest · 3 filings carry it |
| Long-term debt LongTermDebt | balance at 2023-12-31 | $72.3M 10-K 2024-03-15 | $72.7M 10-K 2025-03-10 | +0.5% | first · latest · 5 filings carry it |
First filing reporting each period vs the latest filing carrying it (10-K and 10-Q only, periods since 2020, the extractor's winning tag per concept); a change under 0.5% is treated as rounding. A change can be a restatement, a reclassification or a re-tagging in a later comparative column; the two filings are linked so the reader can see which. Descriptive, not a verdict.
Notes by disclosure type
Not available for SHBI yet: no footnote text blocks on file for this filer in the ingested DERA files.
Fundamentals from SEC EDGAR. Scores, the DCF, and every model shown are educational analysis, not investment advice or price predictions.