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Side-by-side financial comparison of Bank First Corp (BFC) and SHORE BANCSHARES INC (SHBI). Click either name above to swap in a different company.
SHORE BANCSHARES INC is the larger business by last-quarter revenue ($59.1M vs $44.9M, roughly 1.3× Bank First Corp). On growth, Bank First Corp posted the faster year-over-year revenue change (12.1% vs 11.8%). SHORE BANCSHARES INC produced more free cash flow last quarter ($59.2M vs $51.0M). Over the past eight quarters, SHORE BANCSHARES INC's revenue compounded faster (11.3% CAGR vs 9.1%).
First Horizon Corporation, formerly First Tennessee Bank, is a financial services company, founded in 1864, and based in Memphis, Tennessee. Through its banking subsidiary First Horizon Bank, it provides financial services through locations in 12 states across the Southeast, a region in which it is the fourth largest regional bank.
Shore Bancshares Inc. is a U.S. regional bank holding company headquartered in Maryland. It offers a full range of retail and commercial banking services, including deposit products, personal and commercial loans, and wealth management solutions, primarily serving local individual customers, small businesses and mid-sized enterprises in its operating regions.
BFC vs SHBI — Head-to-Head
Income Statement — Q4 FY2025 vs Q4 FY2025
| Metric | | |
|---|---|---|
| Revenue | $44.9M | $59.1M |
| Net Profit | $18.4M | — |
| Gross Margin | — | — |
| Operating Margin | 51.0% | 35.2% |
| Net Margin | 45.8% | — |
| Revenue YoY | 12.1% | 11.8% |
| Net Profit YoY | 4.8% | — |
| EPS (diluted) | $1.87 | $0.48 |
Green = leading value per metric. Periods may differ when fiscal calendars don't align.
8-Quarter Revenue & Profit Trend
Side-by-side quarterly history. Quarters aligned by calendar period so offset fiscal years line up.
| Q4 25 | $44.9M | $59.1M | ||
| Q3 25 | $44.2M | $56.4M | ||
| Q2 25 | $41.6M | $56.6M | ||
| Q1 25 | $43.1M | $53.0M | ||
| Q4 24 | $40.1M | $52.9M | ||
| Q3 24 | $40.8M | $50.5M | ||
| Q2 24 | $38.9M | $50.6M | ||
| Q1 24 | $37.7M | $47.7M |
| Q4 25 | $18.4M | — | ||
| Q3 25 | $18.0M | $14.3M | ||
| Q2 25 | $16.9M | $15.5M | ||
| Q1 25 | $18.2M | $13.8M | ||
| Q4 24 | $17.5M | — | ||
| Q3 24 | $16.6M | $11.2M | ||
| Q2 24 | $16.1M | $11.2M | ||
| Q1 24 | $15.4M | $8.2M |
| Q4 25 | 51.0% | 35.2% | ||
| Q3 25 | 50.8% | 33.7% | ||
| Q2 25 | 49.7% | 36.5% | ||
| Q1 25 | 51.3% | 34.4% | ||
| Q4 24 | 54.4% | 34.3% | ||
| Q3 24 | 50.7% | 29.6% | ||
| Q2 24 | 51.0% | 29.7% | ||
| Q1 24 | 45.6% | 22.2% |
| Q4 25 | 45.8% | — | ||
| Q3 25 | 40.7% | 25.5% | ||
| Q2 25 | 40.5% | 27.4% | ||
| Q1 25 | 42.3% | 26.0% | ||
| Q4 24 | 49.3% | — | ||
| Q3 24 | 40.6% | 22.1% | ||
| Q2 24 | 41.3% | 22.2% | ||
| Q1 24 | 40.8% | 17.2% |
| Q4 25 | $1.87 | $0.48 | ||
| Q3 25 | $1.83 | $0.43 | ||
| Q2 25 | $1.71 | $0.46 | ||
| Q1 25 | $1.82 | $0.41 | ||
| Q4 24 | $1.75 | $0.39 | ||
| Q3 24 | $1.65 | $0.34 | ||
| Q2 24 | $1.59 | $0.34 | ||
| Q1 24 | $1.51 | $0.25 |
Balance Sheet & Financial Strength
Snapshot of each company's liquidity, leverage and book value from the latest quarter.
| Metric | | |
|---|---|---|
| Cash + ST InvestmentsLiquidity on hand | $243.2M | $355.6M |
| Total DebtLower is stronger | — | $89.1M |
| Stockholders' EquityBook value | $643.8M | $589.9M |
| Total Assets | $4.5B | $6.3B |
| Debt / EquityLower = less leverage | — | 0.15× |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $243.2M | $355.6M | ||
| Q3 25 | $126.2M | $416.5M | ||
| Q2 25 | $120.3M | $185.0M | ||
| Q1 25 | $300.9M | $389.0M | ||
| Q4 24 | $261.3M | $459.9M | ||
| Q3 24 | $204.4M | $183.6M | ||
| Q2 24 | $99.0M | $138.9M | ||
| Q1 24 | $83.4M | $114.6M |
| Q4 25 | — | $89.1M | ||
| Q3 25 | — | $74.5M | ||
| Q2 25 | — | $74.2M | ||
| Q1 25 | — | $74.0M | ||
| Q4 24 | — | $73.7M | ||
| Q3 24 | — | $123.5M | ||
| Q2 24 | — | $122.8M | ||
| Q1 24 | — | $72.6M |
| Q4 25 | $643.8M | $589.9M | ||
| Q3 25 | $628.1M | $577.2M | ||
| Q2 25 | $612.3M | $565.2M | ||
| Q1 25 | $648.4M | $552.5M | ||
| Q4 24 | $639.7M | $541.1M | ||
| Q3 24 | $628.9M | $533.3M | ||
| Q2 24 | $614.6M | $522.8M | ||
| Q1 24 | $609.3M | $515.2M |
| Q4 25 | $4.5B | $6.3B | ||
| Q3 25 | $4.4B | $6.3B | ||
| Q2 25 | $4.4B | $6.0B | ||
| Q1 25 | $4.5B | $6.2B | ||
| Q4 24 | $4.5B | $6.2B | ||
| Q3 24 | $4.3B | $5.9B | ||
| Q2 24 | $4.1B | $5.9B | ||
| Q1 24 | $4.1B | $5.8B |
| Q4 25 | — | 0.15× | ||
| Q3 25 | — | 0.13× | ||
| Q2 25 | — | 0.13× | ||
| Q1 25 | — | 0.13× | ||
| Q4 24 | — | 0.14× | ||
| Q3 24 | — | 0.23× | ||
| Q2 24 | — | 0.23× | ||
| Q1 24 | — | 0.14× |
Cash Flow & Capital Efficiency
How much cash each business actually produces after reinvestment. Cash flow is harder to manipulate than net income.
| Metric | | |
|---|---|---|
| Operating Cash FlowLast quarter | $62.5M | $62.4M |
| Free Cash FlowOCF − Capex | $51.0M | $59.2M |
| FCF MarginFCF / Revenue | 113.6% | 100.2% |
| Capex IntensityCapex / Revenue | 25.5% | 5.4% |
| Cash ConversionOCF / Net Profit | 3.40× | — |
| TTM Free Cash FlowTrailing 4 quarters | $75.8M | $110.6M |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $62.5M | $62.4M | ||
| Q3 25 | $15.5M | $42.5M | ||
| Q2 25 | $11.9M | $-8.3M | ||
| Q1 25 | $6.2M | $19.8M | ||
| Q4 24 | $65.8M | $46.9M | ||
| Q3 24 | $18.8M | $9.1M | ||
| Q2 24 | $14.9M | $3.0M | ||
| Q1 24 | $1.3M | $2.4M |
| Q4 25 | $51.0M | $59.2M | ||
| Q3 25 | $12.5M | $41.9M | ||
| Q2 25 | $8.2M | $-9.2M | ||
| Q1 25 | $4.0M | $18.8M | ||
| Q4 24 | $58.6M | $41.7M | ||
| Q3 24 | $16.9M | $8.4M | ||
| Q2 24 | $13.7M | $1.4M | ||
| Q1 24 | $551.0K | $614.0K |
| Q4 25 | 113.6% | 100.2% | ||
| Q3 25 | 28.2% | 74.3% | ||
| Q2 25 | 19.8% | -16.3% | ||
| Q1 25 | 9.3% | 35.4% | ||
| Q4 24 | 146.3% | 78.8% | ||
| Q3 24 | 41.5% | 16.7% | ||
| Q2 24 | 35.3% | 2.9% | ||
| Q1 24 | 1.5% | 1.3% |
| Q4 25 | 25.5% | 5.4% | ||
| Q3 25 | 6.7% | 1.0% | ||
| Q2 25 | 8.7% | 1.6% | ||
| Q1 25 | 5.0% | 1.9% | ||
| Q4 24 | 18.0% | 9.9% | ||
| Q3 24 | 4.5% | 1.2% | ||
| Q2 24 | 3.1% | 3.1% | ||
| Q1 24 | 2.1% | 3.7% |
| Q4 25 | 3.40× | — | ||
| Q3 25 | 0.86× | 2.96× | ||
| Q2 25 | 0.70× | -0.54× | ||
| Q1 25 | 0.34× | 1.44× | ||
| Q4 24 | 3.75× | — | ||
| Q3 24 | 1.13× | 0.81× | ||
| Q2 24 | 0.93× | 0.27× | ||
| Q1 24 | 0.09× | 0.29× |
Financial Flow Comparison
Revenue → gross profit → operating profit → net profit for each company.
