Capital Bancorp, Inc. (CBNK) 10-Year Financial Performance & Capital Metrics

CBNK • • Banking & Credit

Financial ServicesRegional BanksCommunity & Regional Retail BankingNortheast Community Banks

AboutCapital Bancorp, Inc. operates as the bank holding company for Capital Bank, N.A. that provides various banking products and services to businesses, not-for-profit associations, and entrepreneurs in the United States. It operates through Commercial Banking, Capital Bank Home Loans, and OpenSky segments. The company offers a range of deposit products and services, including checking and savings, time, interest bearing demand, and money market accounts, as well as certificates of deposit; and credit cards. It originates residential mortgages and offers residential and commercial real estate, construction, and commercial business 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, and small residential builders and individuals. It operates through four commercial bank branches, four mortgage offices, and one loan production office. The company was founded in 1974 and is headquartered in Rockville, Maryland.Show more

Net Interest Income $155M +9.3%
Total Revenue $242M +17.3%
Net Income $31M -13.7%
Return on Equity 10.15% -32.2%
Net Interest Margin 4.83% -24.1%
Efficiency Ratio 51.09% -3.3%
ROA 1.14% -30.9%
Equity / Assets 11.07% -3.3%
Book Value per Share 24.26 +34.0%
Tangible BV/Share 21.73 +20.1%
Debt/Equity 0.10 -50.2%

Technical Analysis

Key Insights

Based on financial data analysis

✓Strengths

✓Company is almost debt free
✓Strong NIM of 4.8%
✓Efficient operations: 51.1% efficiency ratio
✓Well capitalized: 11.1% equity/assets
✓Trading at only 1.2x book value

✗Weaknesses

No significant weaknesses identified

Price & Volume

Loading chart...

Growth Metrics

Revenue CAGR

10Y19.75%

5Y17.57%

3Y11.69%

TTM-

Profit (Net Income) CAGR

10Y22.17%

5Y12.89%

3Y-8.16%

TTM52.96%

EPS CAGR

10Y21.2%

5Y11.87%

3Y-9.29%

TTM26.18%

ROCE

10Y Avg52.95%

5Y Avg16.6%

3Y Avg14.21%

Latest11.01%

Peer Comparison

Northeast Community Banks

Name	Market Cap	Current Price	P/E Ratio	Revenue Growth 1Y	Net Margin	ROE	FCF Yield	Debt/Equity
DCOMDime Community Bancshares, Inc.	1.37B	31.13	56.60	0.1%	4.5%	4.02%	6.79%	0.70
EBCEastern Bankshares, Inc.	4.4B	19.56	29.64	91.64%	11.17%	1.3%	6.14%	0.01
LYGLloyds Banking Group plc	80.5B	5.48	21.92	10.79%	11.75%	9.93%		1.76
CFGCitizens Financial Group, Inc.	26.03B	60.61	20.00	1.31%	12.22%	6.6%	7.22%	0.51
PFSProvident Financial Services, Inc.	2.65B	20.29	19.32	63.91%	10.13%	7.51%	16.04%	0.93
CBUCommunity Bank System, Inc.	3.3B	62.73	18.24	24.44%	19.4%	10.34%	6.71%	0.57
VLYValley National Bancorp	6.7B	12.02	17.42	6.51%	10.65%	6.53%	8.18%	0.50
INDBIndependent Bank Corp.	3.8B	76.62	16.95	6.89%	19.72%	7.76%	5.51%	0.23

Profit & Loss

	Dec 2015	Dec 2016	Dec 2017	Dec 2018	Dec 2019	Dec 2020	Dec 2021	Dec 2022	Dec 2023	Dec 2024
Net Interest Income+	33.68M	42.76M	48.91M	57.89M	66.34M	84.07M	116.69M	140.61M	141.53M	154.75M
NII Growth %	11.78%	0.27%	0.14%	0.18%	0.15%	0.27%	0.39%	0.2%	0.01%	0.09%
Net Interest Margin %	-	-	-	-	-	-	-	-	-	-
Interest Income	38.25M	49.24M	56.67M	69.13M	82.18M	97.25M	123.24M	150.65M	183.21M	213.3M
Interest Expense	4.58M	6.48M	7.75M	11.24M	15.84M	13.18M	6.55M	10.04M	41.68M	58.55M
Loan Loss Provision	1.61M	4.29M	2.65M	2.14M	2.79M	11.24M	3.36M	6.63M	9.51M	18.11M
Non-Interest Income+	14.96M	20.47M	15.23M	16.4M	25.69M	50.14M	50.64M	29.37M	23.34M	28.98M
Non-Interest Income %	-	-	-	-	-	-	-	-	-	-
Total Revenue+	53.21M	69.72M	71.89M	85.53M	107.87M	147.4M	173.88M	180.02M	206.55M	242.28M
Revenue Growth %	0.33%	0.31%	0.03%	0.19%	0.26%	0.37%	0.18%	0.04%	0.15%	0.17%
Non-Interest Expense	34.85M	43.38M	47.38M	54.4M	66.53M	87.83M	110.09M	109.11M	109.13M	123.79M
Efficiency Ratio	-	-	-	-	-	-	-	-	-	-
Operating Income+	12.18M	15.56M	14.1M	17.75M	22.71M	35.14M	53.88M	54.23M	46.23M	41.83M
Operating Margin %	-	-	-	-	-	-	-	-	-	-
Operating Income Growth %	0.87%	0.28%	-0.09%	0.26%	0.28%	0.55%	0.53%	0.01%	-0.15%	-0.1%
Pretax Income+	12.18M	15.56M	14.1M	17.75M	22.71M	35.14M	53.88M	54.23M	46.23M	41.83M
Pretax Margin %	-	-	-	-	-	-	-	-	-	-
Income Tax+	4.69M	6.12M	6.99M	4.98M	5.82M	9.31M	13.9M	12.43M	10.35M	10.86M
Effective Tax Rate %	-	-	-	-	-	-	-	-	-	-
Net Income+	7.49M	9.44M	7.11M	12.77M	16.89M	25.82M	39.98M	41.8M	35.87M	30.97M
Net Margin %	-	-	-	-	-	-	-	-	-	-
Net Income Growth %	0.79%	0.26%	-0.25%	0.8%	0.32%	0.53%	0.55%	0.05%	-0.14%	-0.14%
Net Income (Continuing)	7.49M	9.44M	7.11M	12.77M	16.89M	25.82M	39.98M	41.8M	35.87M	30.97M
EPS (Diluted)+	0.57	0.72	0.54	1.02	1.21	1.87	2.84	2.91	2.55	2.12
EPS Growth %	0.84%	0.26%	-0.25%	0.89%	0.19%	0.55%	0.52%	0.02%	-0.12%	-0.17%
EPS (Basic)	0.57	0.72	0.54	1.05	1.23	1.87	2.90	2.98	2.56	2.12
Diluted Shares Outstanding	13.16M	13.16M	13.16M	12.46M	13.97M	13.8M	14.08M	14.36M	14.08M	14.64M

Balance Sheet

	Dec 2015	Dec 2016	Dec 2017	Dec 2018	Dec 2019	Dec 2020	Dec 2021	Dec 2022	Dec 2023	Dec 2024
Cash & Short Term Investments+	1000K	1000K	1000K	1000K	1000K	1000K	1000K	1000K	1000K	1000K
Cash & Due from Banks	19.91M	33.97M	48.55M	32.44M	112.98M	144.54M	179.74M	59.73M	53.56M	205.27M
Short Term Investments	1000K	1000K	1000K	1000K	1000K	1000K	1000K	1000K	1000K	1000K
Total Investments+	710.83M	851.98M	957.76M	1.05B	1.29B	1.7B	1.81B	1.96B	2.09B	2.83B
Investments Growth %	441.06%	0.2%	0.12%	0.1%	0.22%	0.32%	0.06%	0.09%	0.06%	0.35%
Long-Term Investments	671.66M	804M	903.73M	1.01B	1.23B	1.6B	1.62B	1.71B	2.01B	2.72B
Accounts Receivables	1000K	1000K	1000K	1000K	1000K	1000K	1000K	1000K	1000K	1000K
Goodwill & Intangibles+	-	-	-	-	-	-	-	-	-	-
Goodwill	0	0	0	0	0	0	0	0	0	21.13M
Intangible Assets	16.84K	0	0	0	0	0	0	0	0	15.82M
PP&E (Net)	2.57M	2.24M	2.6M	2.98M	6.09M	4.46M	3.28M	3.39M	5.07M	15.53M
Other Assets	4.39M	9.78M	8.32M	7.02M	10.71M	12.37M	46.81M	73.01M	53.32M	89.42M
Total Current Assets	61.89M	85.17M	107.97M	83.92M	178.57M	252.46M	372.09M	321.7M	149.66M	324.62M
Total Non-Current Assets	681.54M	820.43M	918.04M	1.02B	1.25B	1.62B	1.68B	1.8B	2.08B	2.88B
Total Assets+	743.43M	905.6M	1.03B	1.11B	1.43B	1.88B	2.06B	2.12B	2.23B	3.21B
Asset Growth %	0.32%	0.22%	0.13%	0.08%	0.29%	0.31%	0.1%	0.03%	0.05%	0.44%
Return on Assets (ROA)	0.01%	0.01%	0.01%	0.01%	0.01%	0.02%	0.02%	0.02%	0.02%	0.01%
Accounts Payable	611.76K	776.35K	1.08M	1.56M	1.8M	1.13M	473K	1.03M	5.58M	9.39M
Total Debt+	47.07M	32.99M	30.62M	22.56M	47.65M	36.02M	34.06M	129.06M	49.06M	34.06M
Net Debt	27.16M	-986.52K	-17.92M	-9.88M	-65.33M	-108.52M	-145.68M	69.33M	-4.5M	-171.21M
Long-Term Debt	26.56M	21.56M	17.56M	17.39M	47.65M	26.02M	24.06M	119.06M	49.06M	34.06M
Short-Term Debt	20.51M	11.42M	13.06M	5.16M	0	10M	10M	10M	0	0
Other Liabilities	6.27M	10.17M	9.29M	11.13M	19.41M	28M	25.73M	11.47M	20.68M	46.38M
Total Current Liabilities	650.94M	803.12M	919.04M	961.97M	1.23B	1.66B	1.81B	1.77B	1.9B	2.77B
Total Non-Current Liabilities	32.84M	31.73M	26.85M	28.53M	67.06M	54.02M	49.79M	130.54M	69.74M	80.44M
Total Liabilities	683.77M	834.85M	945.89M	990.49M	1.29B	1.72B	1.86B	1.9B	1.97B	2.85B
Total Equity+	59.66M	70.75M	80.12M	114.56M	133.33M	159.31M	197.9M	224.01M	254.86M	355.14M
Equity Growth %	0.71%	0.19%	0.13%	0.43%	0.16%	0.19%	0.24%	0.13%	0.14%	0.39%
Equity / Assets (Capital Ratio)	-	-	-	-	-	-	-	-	-	-
Return on Equity (ROE)	0.16%	0.14%	0.09%	0.13%	0.14%	0.18%	0.22%	0.2%	0.15%	0.1%
Book Value per Share	4.53	5.38	6.09	9.19	9.54	11.54	14.05	15.60	18.10	24.26
Tangible BV per Share	-	-	-	-	-	-	-	-	-	-
Common Stock	102.26K	111.45K	115K	137K	139K	138K	140K	141K	139K	167K
Additional Paid-in Capital	22.75M	24.62M	27.05M	49.32M	51.56M	50.6M	54.31M	58.19M	54.47M	128.6M
Retained Earnings	36.61M	46.05M	53.2M	65.7M	81.62M	106.85M	144.53M	182.44M	213.34M	237.84M
Accumulated OCI	195.8K	-31.26K	-247K	-595K	13K	1.72M	-1.08M	-16.75M	-13.1M	-11.47M
Treasury Stock	0	0	0	0	0	0	0	0	0	0
Preferred Stock	0	0	0	0	0	0	0	0	0	0

Cash Flow

	Dec 2015	Dec 2016	Dec 2017	Dec 2018	Dec 2019	Dec 2020	Dec 2021	Dec 2022	Dec 2023	Dec 2024
Cash from Operations+	16.67M	7.54M	34.81M	28.3M	-27.21M	5.46M	132.08M	51.39M	47.42M	34.93M
Operating CF Growth %	1.36%	-0.55%	3.62%	-0.19%	-1.96%	1.2%	23.2%	-0.61%	-0.08%	-0.26%
Net Income	7.49M	9.44M	7.11M	12.77M	16.89M	25.82M	39.98M	41.8M	35.87M	30.97M
Depreciation & Amortization	929.35K	966.08K	983K	1.08M	2.35M	1.89M	1.21M	1.43M	473K	2.21M
Deferred Taxes	-120.86K	-1.26M	-239K	-141K	-839K	-3.17M	-1.93M	1.24M	142K	-1.81M
Other Non-Cash Items	2.56M	5.32M	27.12M	11.27M	-48.89M	-23.09M	96.33M	15.44M	8.96M	70K
Working Capital Changes	5.45M	-7.57M	-663K	2.75M	2.48M	3.02M	-4.86M	-10.19M	215K	1.59M
Cash from Investing+	-131.71M	-137.15M	-133.37M	-109.26M	-187.98M	-385.51M	-238.23M	-198.46M	-130.84M	-269.95M
Purchase of Investments	-9.15M	-22.88M	-12.81M	0	-38.59M	-53.93M	-169.67M	-113.08M	-6.96M	-65.4M
Sale/Maturity of Investments	1000K	1000K	1000K	1000K	1000K	1000K	1000K	1000K	1000K	1000K
Net Investment Activity	-	-	-	-	-	-	-	-	-	-
Acquisitions	0	0	0	0	0	0	0	0	0	65.17M
Other Investing	-129.54M	-127.07M	-125.34M	-113.92M	-174.49M	-348.33M	-148.95M	-107.67M	-177.71M	-320.78M
Cash from Financing+	115.73M	147.61M	112.73M	63.37M	295.29M	412.14M	142.64M	44.09M	56.97M	386.39M
Dividends Paid	0	0	0	0	0	0	-1.38M	-3.08M	-3.92M	-5.28M
Share Repurchases	-1.38M	-3.42M	-512K	-45K	-371K	-3.72M	0	0	-8.83M	-1.4M
Stock Issued	0	0	0	19.96M	0	0	0	0	0	0
Net Stock Activity	-	-	-	-	-	-	-	-	-	-
Debt Issuance (Net)	-1000K	-1000K	-1000K	0	1000K	-1000K	-1000K	1000K	-1000K	-1000K
Other Financing	128.88M	159M	117.24M	43.46M	265.44M	427.63M	145.98M	-37.83M	139.72M	408.07M
Net Change in Cash+	694.61K	17.99M	14.18M	-17.59M	80.1M	32.09M	36.48M	-102.98M	-26.45M	151.37M
Exchange Rate Effect	0	0	0	0	0	0	0	0	0	0
Cash at Beginning	19.45M	20.15M	38.13M	52.31M	34.72M	114.82M	146.91M	183.4M	80.42M	53.96M
Cash at End	20.15M	38.13M	52.31M	34.72M	114.82M	146.91M	183.4M	80.42M	53.96M	205.33M
Interest Paid	0	0	7.45M	10.76M	15.61M	13.85M	7.21M	9.48M	37.13M	54.74M
Income Taxes Paid	0	0	7.99M	2.65M	5.45M	12M	15.92M	11.73M	7.7M	9.1M
Free Cash Flow+	14.71M	6.87M	33.39M	26.57M	-27.52M	5.19M	132.05M	49.84M	45.26M	32.77M
FCF Growth %	1.51%	-0.53%	3.86%	-0.2%	-2.04%	1.19%	24.44%	-0.62%	-0.09%	-0.28%

Banking Ratios

Metric	2015	2016	2017	2018	2019	2020	2021	2022	2023	2024
Return on Equity (ROE)	15.83%	14.48%	9.42%	13.12%	13.63%	17.65%	22.38%	19.82%	14.98%	10.15%
Return on Assets (ROA)	1.15%	1.15%	0.74%	1.2%	1.33%	1.56%	2.03%	2%	1.65%	1.14%
Net Interest Margin	4.53%	4.72%	4.77%	5.24%	4.65%	4.48%	5.68%	6.62%	6.36%	4.83%
Efficiency Ratio	65.49%	62.22%	65.91%	63.6%	61.67%	59.59%	63.32%	60.61%	52.84%	51.09%
Equity / Assets	8.02%	7.81%	7.81%	10.37%	9.34%	8.49%	9.63%	10.55%	11.45%	11.07%
Book Value / Share	4.53	5.38	6.09	9.19	9.54	11.54	14.05	15.6	18.1	24.26
NII Growth	1177.98%	26.97%	14.39%	18.35%	14.6%	26.73%	38.81%	20.49%	0.65%	9.34%
Dividend Payout	-	-	-	-	-	-	3.46%	7.38%	10.93%	17.03%

Revenue by Segment

	2018	2019	2020	2021	2022	2023	2024
Credit Card	6.05M	7.6M	16.97M	27.88M	21.97M	17.27M	16M
Credit Card Growth	-	25.69%	123.18%	64.35%	-21.20%	-21.39%	-7.38%
Mortgage Banking	9.48M	15.96M	40.65M	20.84M	4.87M	4.9M	7.15M
Mortgage Banking Growth	-	68.35%	154.77%	-48.72%	-76.65%	0.62%	45.96%
Bank Servicing	484K	542K	520K	609K	767K	964K	883K
Bank Servicing Growth	-	11.98%	-4.06%	17.12%	25.94%	25.68%	-8.40%

Frequently Asked Questions

Valuation & Price

Capital Bancorp, Inc. (CBNK) has a price-to-earnings (P/E) ratio of 14.1x. This may indicate the stock is undervalued or faces growth challenges.

Growth & Financials

Capital Bancorp, Inc. (CBNK) grew revenue by 17.3% over the past year. This is strong growth.

Yes, Capital Bancorp, Inc. (CBNK) is profitable, generating $49.7M in net income for fiscal year 2024 (12.8% net margin).

Dividend & Returns

Yes, Capital Bancorp, Inc. (CBNK) pays a dividend with a yield of 1.21%. This makes it attractive for income-focused investors.

Capital Bancorp, Inc. (CBNK) has a return on equity (ROE) of 10.2%. This is reasonable for most industries.

Industry Metrics

Capital Bancorp, Inc. (CBNK) has a net interest margin (NIM) of 4.8%. This indicates healthy earnings from lending activities.

Capital Bancorp, Inc. (CBNK) has an efficiency ratio of 51.1%. This is excellent, indicating strong cost control.

US Stock Screener

...