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Side-by-side financial comparison of Proficient Auto Logistics, Inc (PAL) and SHORE BANCSHARES INC (SHBI). Click either name above to swap in a different company.

Proficient Auto Logistics, Inc is the larger business by last-quarter revenue ($91.5M vs $59.1M, roughly 1.5× SHORE BANCSHARES INC).

Proficient Auto Logistics, Inc. is a specialized automotive sector logistics provider. It offers tailored solutions including finished vehicle transport, auto parts storage and distribution, and supply chain support for automotive industry stakeholders, prioritizing reliable, efficient service delivery.

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.

PAL vs SHBI — Head-to-Head

Bigger by revenue
PAL
PAL
1.5× larger
PAL
$91.5M
$59.1M
SHBI

Income Statement — Q3 FY2024 vs Q4 FY2025

Metric
PAL
PAL
SHBI
SHBI
Revenue
$91.5M
$59.1M
Net Profit
$-1.4M
Gross Margin
Operating Margin
-2.4%
35.2%
Net Margin
-1.5%
Revenue YoY
11.8%
Net Profit YoY
EPS (diluted)
$-0.05
$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.

Revenue
PAL
PAL
SHBI
SHBI
Q4 25
$59.1M
Q3 25
$56.4M
Q2 25
$56.6M
Q1 25
$53.0M
Q4 24
$52.9M
Q3 24
$91.5M
$50.5M
Q2 24
$50.6M
Q1 24
$47.7M
Net Profit
PAL
PAL
SHBI
SHBI
Q4 25
Q3 25
$14.3M
Q2 25
$15.5M
Q1 25
$13.8M
Q4 24
Q3 24
$-1.4M
$11.2M
Q2 24
$11.2M
Q1 24
$8.2M
Operating Margin
PAL
PAL
SHBI
SHBI
Q4 25
35.2%
Q3 25
33.7%
Q2 25
36.5%
Q1 25
34.4%
Q4 24
34.3%
Q3 24
-2.4%
29.6%
Q2 24
29.7%
Q1 24
22.2%
Net Margin
PAL
PAL
SHBI
SHBI
Q4 25
Q3 25
25.5%
Q2 25
27.4%
Q1 25
26.0%
Q4 24
Q3 24
-1.5%
22.1%
Q2 24
22.2%
Q1 24
17.2%
EPS (diluted)
PAL
PAL
SHBI
SHBI
Q4 25
$0.48
Q3 25
$0.43
Q2 25
$0.46
Q1 25
$0.41
Q4 24
$0.39
Q3 24
$-0.05
$0.34
Q2 24
$0.34
Q1 24
$0.25

Balance Sheet & Financial Strength

Snapshot of each company's liquidity, leverage and book value from the latest quarter.

Metric
PAL
PAL
SHBI
SHBI
Cash + ST InvestmentsLiquidity on hand
$16.8M
$355.6M
Total DebtLower is stronger
$64.0M
$89.1M
Stockholders' EquityBook value
$338.5M
$589.9M
Total Assets
$498.2M
$6.3B
Debt / EquityLower = less leverage
0.19×
0.15×

8-quarter trend — quarters aligned by calendar period.

Cash + ST Investments
PAL
PAL
SHBI
SHBI
Q4 25
$355.6M
Q3 25
$416.5M
Q2 25
$185.0M
Q1 25
$389.0M
Q4 24
$459.9M
Q3 24
$16.8M
$183.6M
Q2 24
$138.9M
Q1 24
$114.6M
Total Debt
PAL
PAL
SHBI
SHBI
Q4 25
$89.1M
Q3 25
$74.5M
Q2 25
$74.2M
Q1 25
$74.0M
Q4 24
$73.7M
Q3 24
$64.0M
$123.5M
Q2 24
$122.8M
Q1 24
$72.6M
Stockholders' Equity
PAL
PAL
SHBI
SHBI
Q4 25
$589.9M
Q3 25
$577.2M
Q2 25
$565.2M
Q1 25
$552.5M
Q4 24
$541.1M
Q3 24
$338.5M
$533.3M
Q2 24
$522.8M
Q1 24
$515.2M
Total Assets
PAL
PAL
SHBI
SHBI
Q4 25
$6.3B
Q3 25
$6.3B
Q2 25
$6.0B
Q1 25
$6.2B
Q4 24
$6.2B
Q3 24
$498.2M
$5.9B
Q2 24
$5.9B
Q1 24
$5.8B
Debt / Equity
PAL
PAL
SHBI
SHBI
Q4 25
0.15×
Q3 25
0.13×
Q2 25
0.13×
Q1 25
0.13×
Q4 24
0.14×
Q3 24
0.19×
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
PAL
PAL
SHBI
SHBI
Operating Cash FlowLast quarter
$62.4M
Free Cash FlowOCF − Capex
$59.2M
FCF MarginFCF / Revenue
100.2%
Capex IntensityCapex / Revenue
5.4%
Cash ConversionOCF / Net Profit
TTM Free Cash FlowTrailing 4 quarters
$110.6M

8-quarter trend — quarters aligned by calendar period.

Operating Cash Flow
PAL
PAL
SHBI
SHBI
Q4 25
$62.4M
Q3 25
$42.5M
Q2 25
$-8.3M
Q1 25
$19.8M
Q4 24
$46.9M
Q3 24
$9.1M
Q2 24
$3.0M
Q1 24
$2.4M
Free Cash Flow
PAL
PAL
SHBI
SHBI
Q4 25
$59.2M
Q3 25
$41.9M
Q2 25
$-9.2M
Q1 25
$18.8M
Q4 24
$41.7M
Q3 24
$8.4M
Q2 24
$1.4M
Q1 24
$614.0K
FCF Margin
PAL
PAL
SHBI
SHBI
Q4 25
100.2%
Q3 25
74.3%
Q2 25
-16.3%
Q1 25
35.4%
Q4 24
78.8%
Q3 24
16.7%
Q2 24
2.9%
Q1 24
1.3%
Capex Intensity
PAL
PAL
SHBI
SHBI
Q4 25
5.4%
Q3 25
1.0%
Q2 25
1.6%
Q1 25
1.9%
Q4 24
9.9%
Q3 24
1.2%
Q2 24
3.1%
Q1 24
3.7%
Cash Conversion
PAL
PAL
SHBI
SHBI
Q4 25
Q3 25
2.96×
Q2 25
-0.54×
Q1 25
1.44×
Q4 24
Q3 24
0.81×
Q2 24
0.27×
Q1 24
0.29×

Financial Flow Comparison

Revenue → gross profit → operating profit → net profit for each company.

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