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Capital Bancorp, Inc. CBNK R2KFINANCIAL

Financial Services · Banks - Regional · United States
https://capitalbankmd.com
Company Profile ↓
$36.98
+13.36% 1Y
Mkt Cap$602.38M
P/E10.84
P/B1.46
Div. Yield1.32%
52W High$37.88
52W Low$26.31
Book Value$25.92
EPS (TTM)$3.41

Company Overview

Capital Bancorp, Inc. operates as the bank holding company for Capital Bank, N.A., provides various banking products and services to businesses, not-for-profit associations, and entrepreneurs in the United States. It operates through four divisions: Commercial Banking, Capital Bank Home Loans, OpenSky, Windsor Advantage. The company offers a range of deposit products, including checking and savings, time, interest bearing and noninterest-bearing demand, and money market accounts, as well as certificates of deposit; and secured, partially secured, and unsecured credit cards. It also originates residential mortgages; issues trust preferred securities; and provides residential and commercial real estate, construction, and commercial and industrial loans; servicing, processing, and packaging of Small Business Administration and U.S. Department of Agriculture loans; as well as other consumer loans, such as term loans, car loans, and boat loans to small to medium-sized businesses, professionals, real estate investors, small residential builders and individuals, and financial institution clients, including Capital Bank. Capital Bancorp, Inc. was founded in 1974 and is headquartered in Rockville, Maryland.

Why Investors Should Care

Consistent Profit Growth

Net profit has compounded at 29.8% per year over the last five years.

Reasonable Valuation

Trades at a P/E of 10.8, below the sector median of 14.5.

Healthy Margins

Maintains a net profit margin of 23.7%.

Conservative Balance Sheet

Carries low leverage with a debt-to-equity ratio of 0.13.

Positive Free Cash Flow

Generates positive free cash flow, funding growth and shareholder returns internally.

Recent Developments

  • Trailing 12 Months Year-on-year growth — revenue +8.8%, earnings +11.5%.
  • 5-Year Trend Long-term compounding — profit CAGR 29.8%.

Growth & Price Performance

Compounded Sales Growth

5 Years:-
1 Year:8.80%

Compounded Profit Growth

5 Years:29.77%
1 Year:11.50%

Stock Price Performance

1 Year:+13.36%
6 Months:+27.56%
3 Months:+13.65%
1 Month:-1.86%

Highlights auto-generated from reported financials and price data; not investment advice. Verify with official filings before acting.

Technical Snapshot Bullish
52-Week Range 92% of range
$26.31 $37.88
Trend Signals
  • Price vs 50-DMAAbove
  • Price vs 200-DMAAbove
  • RSI (14)55.45 · Neutral
Price Performance
1M-1.86%
3M+13.65%
6M+27.56%
1Y+13.36%
Valuation vs Sector

P/E of 10.84 is below the sector median of 14.52 — relatively cheaper than peers.

Auto-generated from price history and fundamentals; not investment advice.

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Price Chart

Robinhood TradingView

Fundamental Growth Charts

Interactive charts for Revenue, Net Income, EBITDA, Free Cash Flow, EPS, ROE, ROCE, Gross/Net/Operating Margin and more — switch metric and period using the dropdowns above. CAGR is computed across the displayed window (quarterly CAGR is annualised). Visual growth charts make it easy to spot multi-year compounding trends at a glance — far faster than reading raw numbers in a table.

PROS

  • Excellent profit margin of 23.7%.
  • Profit CAGR of 29.8% over 5 years.
  • Generates positive free cash flow.
  • In a confirmed uptrend (50-DMA above 200-DMA).

CONS

No notable concerns flagged.

* The pros and cons are auto-generated from financial metrics.

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Valuation

Stock P/E
10.84
Industry PE
14.52
Forward P/E
9.66
PEG Ratio
-
Book Value
$25.92
Price to Book
1.46
P/S
2.58
EV/EBITDA
-
Dividend Yield
1.32%

Growth (CAGR)

Revenue 5Y
-
Profit 5Y
29.77%
Revenue (YoY)
8.80%
Earnings (YoY)
11.50%

Profitability & Returns

ROCE
-
ROE
14.05%
ROA
1.55%
Profit Margin
23.66%
Op Margin
29.94%
Gross Margin
0.00%
EPS (Latest Qtr)
$0.87
EPS (TTM)
$3.41

Balance Sheet & Liquidity

Debt/Equity
0.13
Quick Ratio
-
Current Ratio
-
Debt
$52.06M
Total Assets
$3.89B
Current Assets
-
Working Capital
-

Ownership

Promoter Holding
32.38%
Chg in Prom Hold
-0.00%
FII / Inst Holding
47.70%
Chg in FII Hold
-0.00%

Financial Snapshot

Enterprise Value
$602.38M
Total Revenue (TTM)
$238.20M
EBITDA
-
Free Cash Flow
$67.35M
Operating Cash Flow
$69.72M
Shares Outstanding
16.29M
Gross Margin
0.00%
Payout Ratio
14.08%

Peer comparison

Peer companies in the same sector (Financial Services).

#NameCMP $P/E Mkt CapDiv Yld % ROCE %ROE % Rev CAGR 5Y %Profit CAGR 5Y %
1 CBNK Capital Bancorp, Inc. R2KFINANCIAL 36.98 10.84 $602.38M 1.32% - 14.05% - 29.77%
2 JPM JPMorgan Chase & Co. SPXR3KFINANCIAL 358.64 15.37 $953.34B 1.68% - 17.79% 12.50% 14.83%
3 BRK-B Berkshire Hathaway Inc. SPXFINANCIAL 506.03 15.07 $707.59B 0.00% - 10.50% 4.18% 9.44%
4 V Visa Inc. SPXR3KFINANCIAL 374.00 31.86 $637.34B 0.72% 37.15% 61.19% 14.33% 13.04%
5 MA Mastercard Incorporated SPXR3KFINANCIAL 579.21 31.82 $503.60B 0.60% 60.19% - 12.29% 19.21%
6 BAC Bank of America Corporation SPXR3KFINANCIAL 62.68 14.48 $438.31B 2.03% - 11.20% 3.14% 4.27%
7 BRK-A Berkshire Hathaway Inc. FINANCIAL 759,350.00 15.07 $384.00B 0.00% - 10.50% 7.60% 10.02%
8 HSBC HSBC Holdings plc FINANCIAL 107.11 15.30 $367.34B 3.62% - 13.10% 9.75% 12.72%
9 MS Morgan Stanley SPXR3KFINANCIAL 217.72 17.59 $342.26B 2.15% - 17.97% 3.76% 9.66%
Financial Statements Quarterly Results · Profit & Loss · Balance Sheet · Cash Flows · Ratios

Quarterly Results

Figures in USD.

Metric Mar 2017Jun 2017Sep 2017Dec 2017Mar 2018Jun 2018Sep 2018Dec 2018Mar 2019Jun 2019Sep 2019Dec 2019Mar 2020Jun 2020Sep 2020Dec 2020Mar 2021Jun 2021Sep 2021Mar 2022Jun 2022Sep 2022Mar 2023Jun 2023Sep 2023Mar 2024Jun 2024Sep 2024Mar 2025Jun 2025Sep 2025Mar 2026Jun 2026
Operating Income -----------------------964.00K-1.21M-953.00K-931.00K-782.00K-1.01M-903.00K-933.00K-923.00K--
Net Income 1.86M2.86M3.04M-646.00K2.99M3.14M3.15M3.49M3.32M4.02M4.48M5.07M2.93M4.76M8.44M9.69M8.98M9.65M11.18M10.21M11.51M11.10M9.73M7.32M9.79M6.56M8.21M8.67M13.93M13.14M15.06M12.02M14.25M
Diluted EPS 0.170.250.27-0.060.250.260.260.250.240.290.320.360.210.340.610.710.650.680.790.710.800.770.680.520.700.470.590.620.820.780.890.730.87

Profit & Loss (Annual)

Figures in USD.

Metric Dec 2017Dec 2018Dec 2019Dec 2020Dec 2021Dec 2022Dec 2023Dec 2024Dec 2025
Operating Income ------4.47M-4.61M-3.71M-
Net Income 7.11M12.77M16.89M25.82M39.98M41.80M35.87M30.97M57.17M
Diluted EPS 0.621.021.211.872.842.912.552.123.41

Balance Sheet (Annual)

Figures in USD.

Metric Dec 2016Dec 2017Dec 2018Dec 2019Dec 2020Dec 2021Dec 2022Dec 2023Dec 2024Dec 2025
Total Assets -1.03B1.11B1.43B1.88B2.06B2.12B2.23B3.21B3.61B
Total Equity 70.75M80.12M114.56M133.33M159.31M197.90M224.01M254.86M355.14M401.76M
Cash & Equivalents 38.13M52.31M34.72M-------
Total Liabilities -945.89M990.49M1.29B1.72B1.86B1.90B1.97B2.85B3.20B

Cash Flows (Annual)

Figures in USD.

Metric Dec 2017Dec 2018Dec 2019Dec 2020Dec 2021Dec 2022Dec 2023Dec 2024Dec 2025
Operating Cash Flow 34.81M28.30M-27.21M5.46M-51.39M47.42M34.93M69.72M
Investing Cash Flow -133.37M-109.26M-187.98M-385.51M--198.46M-130.84M-269.95M-350.88M
Financing Cash Flow 112.73M63.37M295.29M412.14M-44.09M56.97M386.39M331.39M
Capital Expenditure -1.42M-1.74M----1.55M-2.16M-2.16M-2.37M
Free Cash Flow 33.39M26.57M---49.84M45.26M32.77M67.35M
Net Change in Cash ------102.98M-26.45M151.37M50.23M
Share Buybacks 512.00K45.00K371.00K3.72M008.83M1.40M11.73M
Dividends Paid ---01.38M3.08M3.92M5.28M7.30M

Ratios (Annual)

Figures in %.

Metric Dec 2017Dec 2018Dec 2019Dec 2020Dec 2021Dec 2022Dec 2023Dec 2024Dec 2025
Gross Margin % ---------
Operating Margin % ---------
Net Margin % ---------
ROE % 8.9%11.1%12.7%16.2%20.2%18.7%14.1%8.7%14.2%
ROCE % ---------

Shareholding Pattern

Insiders
32.38%
Institutions
47.70%
Public Float
70.54%

Top Institutional Holders

#Holder% HeldSharesValue
1 Blackrock Inc. 4.83% 786.59K $28.74M
2 Vanguard Capital Management LLC 3.06% 497.91K $18.19M
3 Alliancebernstein L.P. 2.70% 439.43K $16.06M
4 Dimensional Fund Advisors LP 2.41% 392.75K $14.35M
5 Geode Capital Management, LLC 1.83% 298.50K $10.91M
6 American Century Companies Inc 1.82% 295.95K $10.81M
7 Wealthspire Advisors, LLC 1.79% 291.62K $10.66M
8 Pacific Ridge Capital Partners, LLC 1.76% 286.37K $10.46M
9 Kennedy Capital Management, LLC 1.62% 264.46K $9.66M
10 State Street Corporation 1.47% 239.81K $8.76M

Analyst View

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Latest News

Recent headlines for CBNK

Google News Mon, 07 Sep 2026

Are Investors Undervaluing Capital Bancorp (CBNK) Right Now? - Yahoo Finance

<a href="https://news.google.com/rss/articles/CBMirAFBVV95cUxQMDZrOFNaS2dYeng5NUNJRFNSNk80VlhMdHVOTHpFMGF5a1pJZnRHc2VjV0dCODFHYjZLOTlPajdHc052TGpVZmJNSXdxaU1rbzZzTHEwRUk1M1RHeHFZMUJKcEdxUEtOeEhwU1BUMzFtSTE3YmItZWNReERUVE9GYlJoci16WklTajZnQl…

Google News hu, 03 Sep 2026

Capital Bancorp, Inc. (NASDAQ:CBNK) Given Average Recommendation of "Moderate Buy" by Brokerages - marketbeat.com

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Google News Fri, 04 Sep 2026

CBNK Initiated Coverage by Raymond James -- Rating Set to Market Perform - GuruFocus

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Google News hu, 20 Aug 2026

Should Value Investors Buy Capital Bancorp (CBNK) Stock? - Eastern Progress

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Google News Wed, 26 Aug 2026

Are Investors Undervaluing Capital Bancorp (CBNK) Right Now? - qz.com

<a href="https://news.google.com/rss/articles/CBMifEFVX3lxTE5BVmpQcnpTeDJJTHBuR0V4SmtTRE5OdVBxTnVhamdURWtRX3pqX3FOUzRnNXlTcEtLYllNUUowNlNGZmQ2dXgtd19JZ2VzMW5ma2dyeDVTLVk3aTVLSVNZRG5LaEI4LXV6QzBRbW55Wm5ya1BVRkJnMkk2Zjc?oc=5" target="_blank">…

Google News Mon, 13 Jul 2026

CBNK ETF Profile: Dividends, Returns (TSX:CBNK) - TradingView

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CBNK — Frequently Asked Questions

What is the current share price of Capital Bancorp, Inc. (CBNK)?

As of 2026-09-07 16:24 PDT, Capital Bancorp, Inc. (CBNK) trades at $36.98 on NasdaqGS. Its 52-week range is $26.31 to $37.88.

What is the market capitalisation of CBNK?

Capital Bancorp, Inc. (CBNK) has a market capitalisation of $602.38M on NasdaqGS.

What is the P/E ratio of CBNK?

CBNK trades at a trailing price-to-earnings (P/E) ratio of 10.84. The industry average P/E is 14.52. Its price-to-book (P/B) ratio is 1.46.

Does CBNK pay a dividend?

Capital Bancorp, Inc. (CBNK) currently offers a dividend yield of 1.32%.

What is the return on equity (ROE) of CBNK?

CBNK has a return on equity (ROE) of 14.05%.

Is CBNK a good stock to buy?

This page provides a data-driven analysis of Capital Bancorp, Inc. (CBNK), including valuation ratios, profitability, growth trends, auto-generated pros and cons, peer comparison and AI exposure. Review these fundamentals alongside your own research and risk tolerance. This is informational content, not investment advice.

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