Basis: Latest reported fiscal quarter. Source: stored company filings and market data; unavailable inputs remain N/A.
Is the debt to assets ratio high or low?
The debt to assets ratio of 1.62% is 16% below its 5-year average of 1.92%, near the low end of its 5-year range (1.42%–9.02%).
As of the fiscal period ended Tuesday, June 30, 2026. 14.17% below its 12-month average of 1.88%.
Reported quarterly debt to assets ratio; no daily interpolation. Q2 FY2026 (2026-06-30): 1.62%.
DEBT TO ASSETS RATIO
1.62%
DEBT TO ASSETS RATIO AVG TTM
1.88%
DEBT TO ASSETS RATIO AVG 3Y
1.94%
DEBT TO ASSETS RATIO AVG 5Y
1.92%
DEBT TO ASSETS RATIO AVG 10Y
1.62%
DEBT TO ASSETS RATIO AVG 15Y
1.38%
DEBT TO ASSETS RATIO AVG 20Y
1.74%
CURRENT VS TTM AVG
-14.17%
CURRENT VS 3Y AVG
-16.73%
CURRENT VS 5Y AVG
-15.84%
CURRENT VS 10Y AVG
-0.42%
CURRENT VS 15Y AVG
+17.06%
CURRENT VS 20Y AVG
-7.36%
SECTOR MEDIAN · FINANCIAL SERVICES
0.05%
median of 739 covered companies
CURRENT VS SECTOR MEDIAN
+3130.18%
vs the sector median at left
Shore Bancshares, Inc.
Market Cap
$757.78M
Debt to Assets Ratio
1.62%
TTM Avg
1.88%
3Y Avg
1.94%
5Y Avg
1.92%
Market Cap
$757.82M
Debt to Assets Ratio
0.00%
TTM Avg
N/A
3Y Avg
N/A
5Y Avg
N/A
Market Cap
$773.28M
Debt to Assets Ratio
0.05%
TTM Avg
N/A
3Y Avg
N/A
5Y Avg
N/A
Market Cap
$737.50M
Debt to Assets Ratio
0.03%
TTM Avg
N/A
3Y Avg
N/A
5Y Avg
N/A
Market Cap
$782.81M
Debt to Assets Ratio
0.01%
TTM Avg
N/A
3Y Avg
N/A
5Y Avg
N/A
Market Cap
$732.40M
Debt to Assets Ratio
N/A
TTM Avg
N/A
3Y Avg
N/A
5Y Avg
N/A
Market Cap
$729.72M
Debt to Assets Ratio
0.53%
TTM Avg
N/A
3Y Avg
N/A
5Y Avg
N/A
Market Cap
$728.69M
Debt to Assets Ratio
0.08%
TTM Avg
N/A
3Y Avg
N/A
5Y Avg
N/A
| NAME | MARKET CAP | DEBT TO ASSETS RATIO | TTM | 3Y | 5Y |
|---|---|---|---|---|---|
| Shore Bancshares, Inc. (SHBI) | $757.78M | 1.62% | 1.88% | 1.94% | 1.92% |
| Armada Acquisition Corp. II (XRPN)vs › | $757.82M | 0.00% | N/A | N/A | N/A |
| PRA Group, Inc. (PRAA)vs › | $764.34M | 0.01% | N/A | N/A | N/A |
| Financial Institutions, Inc. (FISI)vs › | $773.28M | 0.05% | N/A | N/A | N/A |
| Independent Bank Corporation (IBCP)vs › | $737.50M | 0.03% | N/A | N/A | N/A |
| Peapack-Gladstone Financial Corporation (PGC)vs › | $782.81M | 0.01% | N/A | N/A | N/A |
| OFS Credit Company, Inc. (OCCIM)vs › | $732.40M | N/A | N/A | N/A | N/A |
| Carlyle Secured Lending, Inc. (CGBD)vs › | $729.72M | 0.53% | N/A | N/A | N/A |
| Washington Trust Bancorp, Inc. (WASH)vs › | $728.69M | 0.08% | N/A | N/A | N/A |
| New Mountain Finance Corporation 8.250% Notes due 2028 (NMFCZ)vs › | $727.94M | 0.56% | N/A | N/A | N/A |
Debt/Assets
1.6%
Debt/Equity
0.16
Current ratio and interest coverage is unavailable for Shore Bancshares, Inc.: applicability has not been verified for this financial-services business. The current sector-based policy withholds this model until its treatment of debt, cash and cash flows is confirmed for the company.
Formula: Debt/Assets = Total Debt / Total Assets × 100
Debt/Assets vs Debt/Equity:
Industry context matters: Capital-intensive industries (utilities, real estate) typically have higher Debt/Assets ratios than tech companies.
Debt/Assets ratio shows what percentage of a company's assets are financed by debt. Compare the current value with the historical chart and peer group to understand leverage over time.
Expanded definitions: Investopedia, Wikipedia, Corporate Finance Institute
| DATE | DEBT TO ASSETS RATIO |
|---|---|
| 2026-06-30 | 1.62% |
| 2026-03-31 | 1.61% |
| 2025-12-31 | 1.78% |
| 2025-09-30 | 2.16% |
| 2025-06-30 | 2.25% |
| 2025-03-31 | 2.20% |
| 2024-12-31 | 2.18% |
| 2024-09-30 | 2.29% |
| 2024-06-30 | 2.83% |
| 2024-03-31 | 1.46% |
| 2023-12-31 | 1.42% |
| 2023-09-30 | 1.49% |
| 2023-06-30 | 9.02% |
| 2023-03-31 | 5.19% |
| 2022-12-31 | 2.67% |
| 2022-09-30 | 1.83% |
| 2022-06-30 | 1.84% |
| 2022-03-31 | 1.81% |
| 2021-12-31 | 1.98% |
| 2021-09-30 | 1.49% |
| 2021-06-30 | 1.56% |
| 2021-03-31 | 1.73% |
| 2020-12-31 | 1.57% |
| 2020-09-30 | 1.66% |
| 2020-06-30 | 0.35% |
| 2020-03-31 | 1.41% |
| 2019-12-31 | 1.43% |
| 2019-09-30 | 2.38% |
| 2019-06-30 | 2.97% |
| 2019-03-31 | 3.33% |
| 2018-12-31 | 5.11% |
| 2018-09-30 | 7.74% |
| 2018-06-30 | 7.08% |
| 2018-03-31 | 5.13% |
| 2017-12-31 | 1.56% |
| 2017-09-30 | 0.11% |
| 2017-06-30 | 0.24% |
| 2017-03-31 | 0.25% |
| 2016-12-31 | 0.28% |
| 2016-09-30 | 0.43% |
| 2016-06-30 | 0.61% |
| 2016-03-31 | 0.52% |
| 2015-12-31 | 0.59% |
| 2015-09-30 | 0.58% |
| 2015-06-30 | 0.61% |
| 2015-03-31 | 0.47% |
| 2014-12-31 | 0.44% |
| 2014-09-30 | 0.98% |
| 2014-06-30 | 0.73% |
| 2014-03-31 | 0.77% |
| 2013-12-31 | 0.96% |
| 2013-09-30 | 1.09% |
| 2013-06-30 | 0.96% |
| 2013-03-31 | 1.00% |
| 2012-12-31 | 1.16% |
| 2012-09-30 | 1.15% |
| 2012-06-30 | 1.22% |
| 2012-03-31 | 1.21% |
| 2011-12-31 | 1.58% |
| 2011-09-30 | 1.40% |
| 2011-06-30 | 1.71% |
| 2011-03-31 | 1.15% |
| 2010-12-31 | 1.50% |
| 2010-09-30 | 1.69% |
| 2010-06-30 | 1.71% |
| 2010-03-31 | 1.35% |
| 2009-12-31 | 1.89% |
| 2009-09-30 | 1.69% |
| 2009-06-30 | 3.11% |
| 2009-03-31 | 3.62% |
| 2008-12-31 | 5.83% |
| 2008-09-30 | 5.94% |
| 2008-06-30 | 6.55% |
| 2008-03-31 | 5.80% |
| 2007-12-31 | 6.29% |
| 2007-09-30 | 5.89% |
| 2007-06-30 | 5.80% |
| 2007-03-31 | 6.23% |
| 2006-12-31 | 5.66% |
| 2006-09-30 | 5.60% |
| 2006-06-30 | 6.81% |
| 2006-03-31 | 4.24% |
| 2005-12-31 | 4.68% |
| 2005-09-30 | 4.14% |
| 2005-06-30 | 4.12% |
| 2005-03-31 | 4.10% |
| 2004-12-31 | 4.06% |
| 2004-09-30 | 4.59% |
| 2004-06-30 | 4.32% |
| 2004-03-31 | 4.53% |
| 2003-12-31 | 3.68% |
| 2003-09-30 | 4.75% |
| 2003-06-30 | 4.43% |
| 2003-03-31 | 4.38% |
| 2002-12-31 | 4.13% |
| 2002-09-30 | 4.61% |
