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Apr 27, 2026·SEC
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Capital Bancorp, Inc.(CBNK)Earnings, Financials & Key Ratios
CBNK•NASDAQ•Banking & Credit
9.8× P/E·Price updated Jun 17, 2026
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$196M+26.7%
- Total Revenue$304M+25.3%
- Net Income$57M+84.6%
- Return on Equity15.1%+48.7%
- Net Interest Margin5.43%+12.6%
- Efficiency Ratio50.39%-1.4%
- ROA1.68%+47.2%
- Equity / Assets11.15%+0.7%
- Book Value per Share24.37+0.5%
CBNK Key Insights
Capital Bancorp, Inc. (CBNK) fundamental analysis — strengths, weaknesses & financial health based on data analysis
✓Strengths
- ✓Strong 5Y profit CAGR of 17.2%
- ✓Strong Piotroski F-Score: 7/9
- ✓Strong NIM of 5.4%
- ✓Efficient operations: 50.4% efficiency ratio
- ✓Well capitalized: 11.1% equity/assets
- ✓Trading at only 1.4x book value
✗Weaknesses
- ✗Shares diluted 12.7% in last year
* These insights are generated automatically based on available financial data. Please conduct your own research before making investment decisions.
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CBNK Price & Volume
Capital Bancorp, Inc. (CBNK) stock price & volume — 10-year historical chart
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CBNK Growth Metrics
Capital Bancorp, Inc. (CBNK) revenue, earnings & EPS growth — 3, 5 & 10-year CAGR
Revenue CAGR
10 Years19.02%
5 Years15.55%
3 Years19.04%
TTM-
Profit CAGR
10 Years22.53%
5 Years17.23%
3 Years11%
TTM84.59%
EPS CAGR
10 Years19.55%
5 Years12.7%
3 Years5.32%
TTM59.62%
Return on Capital
10 Years14.77%
5 Years14.78%
3 Years10.83%
Last Year7.88%
CBNK Recent Earnings
Capital Bancorp, Inc. (CBNK) EPS & revenue vs analyst estimates — last 4 quarters
●Beat EPS 3/12 qtrs (33%)●Beat Revenue 6/12 qtrs (67%)
Q2 2026Latest
Apr 27, 2026Metric
Actual
Est
EPS
$0.73-6.4%
$0.78
Rev
$63M+0.6%
$62M
Q2 2026
Mar 16, 2026Metric
Actual
Est
EPS
$0.91
—
Rev
$77M
—
Q1 2026
Jan 26, 2026Metric
Actual
Est
EPS
$0.91+15.5%
$0.79
Rev
$63M+2.7%
$61M
Q4 2025
Oct 27, 2025Metric
Actual
Est
EPS
$0.72-18.2%
$0.88
Rev
$62M+1.5%
$61M
| Quarter | Date | EPS (Act vs Est) | Revenue (Act vs Est) |
|---|---|---|---|
| Q2 2026Latest | Apr 27, 2026 | $0.73vs $0.78-6.4% | $63Mvs $62M+0.6% |
| Q2 2026 | Mar 16, 2026 | $0.91 | $77M |
| Q1 2026 | Jan 26, 2026 | $0.91vs $0.79+15.5% | $63Mvs $61M+2.7% |
| Q4 2025 | Oct 27, 2025 | $0.72vs $0.88-18.2% | $62Mvs $61M+1.5% |
Based on last 12 quarters of dataView full earnings history →
CBNK Peer Comparison
Capital Bancorp, Inc. (CBNK) competitors in Specialty finance and niche lenders — business model, growth, and fundamentals comparison
| Company | Market Cap | Stock Price | P/E Ratio (TTM) | Revenue Growth 1Y | Net Margin | Return on Equity (ROE) | FCF Yield | Debt / Equity |
|---|---|---|---|---|---|---|---|---|
 FUNC | 265.65M | 40.86 | 10.84 | 6.6% | 20.51% | 12.61% | 0.56 | |
 NBTB | 2.42B | 46.35 | 13.92 | 10.36% | 18.76% | 9.51% | 0.17 | |
 MNSB | 173.77M | 23.59 | 13.40 | -1.44% | 11.53% | 7.26% | 0.32 | |
 CZWI | 204.61M | 21.25 | 14.55 | -9.41% | 16.01% | 7.81% | 0.28 | |
 BWFG | 436.45M | 54.74 | 12.30 | 6.13% | 16.95% | 12.21% | 0.60 | |
 NECB | 352.35M | 25.47 | 7.84 | -1.55% | 28.41% | 13.07% | 0.21 | |
 OPBK | 211.15M | 14.18 | 8.24 | 8.19% | 15.39% | 11.75% | 0.54 | |
 CHMG | 337.97M | 70.25 | 22.44 | -6.46% | 10.79% | 6.27% | 0.02 |
Compare CBNK vs Peers
Capital Bancorp, Inc. (CBNK) vs competitors — business, growth, and fundamentals comparison against the closest industry rivals.
CBNK Income Statement
Capital Bancorp, Inc. (CBNK) annual income statement — 10-year revenue, gross profit & net income history
10Y historyFree accessUpdated daily
| Metric | Dec'17 | Dec'18 | Dec'19 | Dec'20 | Dec'21 | Dec'22 | Dec'23 | Dec'24 | Dec'25 |
|---|---|---|---|---|---|---|---|---|---|
Net Interest Income | 48.91M | 57.89M | 66.34M | 84.07M | 116.69M | 140.61M | 141.53M | 154.75M | 195.99M |
NII Growth % | 14.39% | 18.35% | 14.6% | 26.73% | 38.81% | 20.49% | 0.65% | 9.34% | 26.65% |
Net Interest Margin % | 4.77% | 5.24% | 4.65% | 4.48% | 5.68% | 6.62% | 6.36% | 4.83% | 5.43% |
Interest Income | 56.67M | 69.13M | 82.18M | 97.25M | 123.24M | 150.65M | 183.21M | 213.3M | 260.87M |
Interest Expense | 7.75M | 11.24M | 15.84M | 13.18M | 6.55M | 10.04M | 41.68M | 58.55M | 64.88M |
Loan Loss Provision | 2.65M | 2.14M | 2.79M | 11.24M | 3.36M | 6.63M | 9.51M | 18.11M | 15.18M |
Non-Interest Income | 15.23M | 16.4M | 25.69M | 50.14M | 50.64M | 29.37M | 23.34M | 28.98M | 42.76M |
Non-Interest Income % | 21.18% | 19.18% | 23.82% | 34.02% | 29.12% | 16.32% | 11.3% | 11.96% | 14.08% |
Total Revenue | 71.89M▲ 0% | 85.53M▲ 19.0% | 107.87M▲ 26.1% | 147.4M▲ 36.6% | 173.88M▲ 18.0% | 180.02M▲ 3.5% | 206.55M▲ 14.7% | 242.28M▲ 17.3% | 303.63M▲ 25.3% |
Revenue Growth % | 3.12% | 18.97% | 26.13% | 36.64% | 17.97% | 3.53% | 14.74% | 17.3% | 25.32% |
Non-Interest Expense | 47.38M | 54.4M | 66.53M | 87.83M | 110.09M | 109.11M | 109.13M | 123.79M | 152.99M |
Efficiency Ratio | 65.91% | 63.6% | 61.67% | 59.59% | 63.32% | 60.61% | 52.84% | 51.09% | 50.39% |
Operating Income | 14.1M▲ 0% | 17.75M▲ 25.9% | 22.71M▲ 28.0% | 35.14M▲ 54.7% | 53.88M▲ 53.3% | 54.23M▲ 0.7% | 46.23M▼ 14.8% | 41.83M▼ 9.5% | 70.61M▲ 68.8% |
Operating Margin % | 19.61% | 20.75% | 21.06% | 23.84% | 30.98% | 30.13% | 22.38% | 17.27% | 23.26% |
Operating Income Growth % | -9.4% | 25.89% | 27.97% | 54.69% | 53.33% | 0.66% | -14.77% | -9.5% | 68.8% |
Pretax Income | 14.1M▲ 0% | 17.75M▲ 25.9% | 22.71M▲ 28.0% | 35.14M▲ 54.7% | 53.88M▲ 53.3% | 54.23M▲ 0.7% | 46.23M▼ 14.8% | 41.83M▼ 9.5% | 74.94M▲ 79.2% |
Pretax Margin % | 19.61% | 20.75% | 21.06% | 23.84% | 30.98% | 30.13% | 22.38% | 17.27% | 24.68% |
Income Tax | 6.99M | 4.98M | 5.82M | 9.31M | 13.9M | 12.43M | 10.35M | 10.86M | 17.77M |
Effective Tax Rate % | 49.58% | 28.07% | 25.62% | 26.51% | 25.8% | 22.92% | 22.4% | 25.96% | 23.72% |
Net Income | 7.11M▲ 0% | 12.77M▲ 79.6% | 16.89M▲ 32.3% | 25.82M▲ 52.8% | 39.98M▲ 54.8% | 41.8M▲ 4.6% | 35.87M▼ 14.2% | 30.97M▼ 13.7% | 57.17M▲ 84.6% |
Net Margin % | 9.89% | 14.93% | 15.66% | 17.52% | 22.99% | 23.22% | 17.37% | 12.78% | 18.83% |
Net Income Growth % | -24.7% | 79.59% | 32.33% | 52.84% | 54.82% | 4.57% | -14.19% | -13.66% | 84.59% |
Net Income (Continuing) | 7.11M | 12.77M | 16.89M | 25.82M | 39.98M | 41.8M | 35.87M | 30.97M | 57.17M |
EPS (Diluted) | 0.54▲ 0% | 1.02▲ 88.9% | 1.21▲ 18.6% | 1.87▲ 54.5% | 2.84▲ 51.9% | 2.91▲ 2.5% | 2.55▼ 12.4% | 2.12▼ 16.9% | 3.40▲ 60.4% |
EPS Growth % | -25% | 88.89% | 18.63% | 54.55% | 51.87% | 2.46% | -12.37% | -16.86% | 60.38% |
EPS (Basic) | 0.54 | 1.05 | 1.23 | 1.87 | 2.90 | 2.98 | 2.56 | 2.12 | 3.45 |
Diluted Shares Outstanding | 13.16M | 12.46M | 13.97M | 13.8M | 14.08M | 14.36M | 14.08M | 14.64M | 16.49M |
CBNK Balance Sheet
Capital Bancorp, Inc. (CBNK) balance sheet — assets, liabilities & shareholders' equity
| Metric | Dec'17 | Dec'18 | Dec'19 | Dec'20 | Dec'21 | Dec'22 | Dec'23 | Dec'24 | Dec'25 |
|---|---|---|---|---|---|---|---|---|---|
Cash & Short Term Investments | 102.57M | 79.37M | 173.81M | 244.32M | 364.19M | 312.21M | 138.17M | 307.96M | 260.98M |
Cash & Due from Banks | 48.55M | 32.44M | 112.98M | 144.54M | 179.74M | 59.73M | 53.56M | 205.27M | 30.89M |
Short Term Investments | 54.03M | 46.93M | 60.83M | 99.79M | 184.46M | 252.48M | 84.61M | 102.68M | 230.08M |
Total Investments | 957.76M | 1.05B | 1.29B | 1.7B | 1.81B | 1.96B | 2.09B | 2.83B | 3.19B |
Investments Growth % | 12.42% | 10.09% | 22.23% | 31.93% | 6.32% | 8.66% | 6.43% | 35.2% | 12.85% |
Long-Term Investments | 903.73M | 1.01B | 1.23B | 1.6B | 1.62B | 1.71B | 2.01B | 2.72B | 2.96B |
Accounts Receivables | 3.87M | 4.46M | 4.77M | 8.13M | 7.9M | 9.49M | 11.49M | 16.66M | 25.83M |
Goodwill & Intangibles | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 36.94M | 39.22M |
Goodwill | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 21.13M | 25.97M |
Intangible Assets | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 15.82M | 13.25M |
PP&E (Net) | 2.6M | 2.98M | 6.09M | 4.46M | 3.28M | 3.39M | 5.07M | 15.53M | 15.07M |
Other Assets | 8.32M | 7.02M | 10.71M | 12.37M | 46.81M | 73.01M | 53.32M | 89.42M | 290.67M |
Total Current Assets | 107.97M | 83.92M | 178.57M | 252.46M | 372.09M | 321.7M | 149.66M | 324.62M | 286.81M |
Total Non-Current Assets | 918.04M | 1.02B | 1.25B | 1.62B | 1.68B | 1.8B | 2.08B | 2.88B | 3.32B |
Total Assets | 1.03B▲ 0% | 1.11B▲ 7.7% | 1.43B▲ 29.2% | 1.88B▲ 31.5% | 2.06B▲ 9.5% | 2.12B▲ 3.3% | 2.23B▲ 4.8% | 3.21B▲ 44.1% | 3.61B▲ 12.5% |
Asset Growth % | 13.3% | 7.7% | 29.19% | 31.45% | 9.52% | 3.33% | 4.83% | 44.05% | 12.45% |
Return on Assets (ROA) | 0.74% | 1.2% | 1.33% | 1.56% | 2.03% | 2% | 1.65% | 1.14% | 1.68% |
Accounts Payable | 1.08M | 1.56M | 1.8M | 1.13M | 473K | 1.03M | 5.58M | 9.39M | 8.74M |
Total Debt | 30.62M | 22.56M | 47.65M | 36.02M | 34.06M | 129.06M | 49.06M | 34.06M | 52.06M |
Net Debt | -17.92M | -9.88M | -65.33M | -108.52M | -145.68M | 69.33M | -4.5M | -171.21M | 21.17M |
Long-Term Debt | 17.56M | 17.39M | 47.65M | 26.02M | 24.06M | 119.06M | 49.06M | 34.06M | 52.06M |
Short-Term Debt | 13.06M | 5.16M | 0 | 10M | 10M | 10M | 0 | 0 | 0 |
Other Liabilities | 9.29M | 11.13M | 19.41M | 28M | 25.73M | 11.47M | 20.68M | 46.38M | 902.96M |
Total Current Liabilities | 919.04M | 961.97M | 1.23B | 1.66B | 1.81B | 1.77B | 1.9B | 2.77B | 2.25B |
Total Non-Current Liabilities | 26.85M | 28.53M | 67.06M | 54.02M | 49.79M | 130.54M | 69.74M | 80.44M | 955.02M |
Total Liabilities | 945.89M | 990.49M | 1.29B | 1.72B | 1.86B | 1.9B | 1.97B | 2.85B | 3.2B |
Total Equity | 80.12M▲ 0% | 114.56M▲ 43.0% | 133.33M▲ 16.4% | 159.31M▲ 19.5% | 197.9M▲ 24.2% | 224.01M▲ 13.2% | 254.86M▲ 13.8% | 355.14M▲ 39.3% | 401.98M▲ 13.2% |
Equity Growth % | 13.25% | 42.99% | 16.38% | 19.49% | 24.22% | 13.19% | 13.77% | 39.35% | 13.19% |
Equity / Assets (Capital Ratio) | 7.81% | 10.37% | 9.34% | 8.49% | 9.63% | 10.55% | 11.45% | 11.07% | 11.15% |
Return on Equity (ROE) | 9.42% | 13.12% | 13.63% | 17.65% | 22.38% | 19.82% | 14.98% | 10.15% | 15.1% |
Book Value per Share | 6.09 | 9.19 | 9.54 | 11.54 | 14.05 | 15.60 | 18.10 | 24.26 | 24.37 |
Tangible BV per Share | 6.09 | 9.19 | 9.54 | 11.54 | 14.05 | 15.60 | 18.10 | 21.73 | 21.99 |
Common Stock | 115K | 137K | 139K | 138K | 140K | 141K | 139K | 167K | 164K |
Additional Paid-in Capital | 27.05M | 49.32M | 51.56M | 50.6M | 54.31M | 58.19M | 54.47M | 128.6M | 0 |
Retained Earnings | 53.2M | 65.7M | 81.62M | 106.85M | 144.53M | 182.44M | 213.34M | 237.84M | 286.66M |
Accumulated OCI | -247K | -595K | 13K | 1.72M | -1.08M | -16.75M | -13.1M | -11.47M | -5.76M |
Treasury Stock | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
Preferred Stock | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
CBNK Cash Flow Statement
Capital Bancorp, Inc. (CBNK) cash flow — operating, investing & free cash flow history
| Metric | Dec'17 | Dec'18 | Dec'19 | Dec'20 | Dec'21 | Dec'22 | Dec'23 | Dec'24 | Dec'25 |
|---|---|---|---|---|---|---|---|---|---|
Cash from Operations | 34.81M | 28.3M | -27.21M | 5.46M | 132.08M | 51.39M | 47.42M | 34.93M | 69.72M |
Operating CF Growth % | 361.99% | -18.71% | -196.15% | 120.05% | 2320.3% | -61.09% | -7.73% | -26.34% | 99.62% |
Net Income | 7.11M | 12.77M | 16.89M | 25.82M | 39.98M | 41.8M | 35.87M | 30.97M | 57.17M |
Depreciation & Amortization | 983K | 1.08M | 2.35M | 1.89M | 1.21M | 1.43M | 473K | 2.21M | 0 |
Deferred Taxes | -239K | -141K | -839K | -3.17M | -1.93M | 1.24M | 142K | -1.81M | 0 |
Other Non-Cash Items | 27.12M | 11.27M | -48.89M | -23.09M | 96.33M | 15.44M | 8.96M | 70K | 13.46M |
Working Capital Changes | -663K | 2.75M | 2.48M | 3.02M | -4.86M | -10.19M | 215K | 1.59M | -2.51M |
Cash from Investing | -133.37M | -109.26M | -187.98M | -385.51M | -238.23M | -198.46M | -130.84M | -269.95M | -350.88M |
Purchase of Investments | -12.81M | 0 | -38.59M | -53.93M | -169.67M | -113.08M | -6.96M | -65.4M | 0 |
Sale/Maturity of Investments | 6.2M | 6.39M | 25.45M | 17.01M | 80.42M | 23.85M | 55.99M | 53.21M | 0 |
Net Investment Activity | -6.61M | 6.39M | -13.14M | -36.92M | -89.26M | -89.23M | 49.03M | -12.19M | 0 |
Acquisitions | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 65.17M | 0 |
Other Investing | -125.34M | -113.92M | -174.49M | -348.33M | -148.95M | -107.67M | -177.71M | -320.78M | -350.88M |
Cash from Financing | 112.73M | 63.37M | 295.29M | 412.14M | 142.64M | 44.09M | 56.97M | 386.39M | 331.39M |
Dividends Paid | 0 | 0 | 0 | 0 | -1.38M | -3.08M | -3.92M | -5.28M | -7.3M |
Share Repurchases | -512K | -45K | -371K | -3.72M | 0 | 0 | -8.83M | -1.4M | -11.73M |
Stock Issued | 0 | 19.96M | 0 | 0 | 967K | 0 | 0 | 0 | 1.16M |
Net Stock Activity | -512K | 19.92M | -371K | -3.72M | 967K | 0 | -8.83M | -1.4M | -10.57M |
Debt Issuance (Net) | -1000K | 0 | 1000K | -1000K | -1000K | 1000K | -1000K | -1000K | 1000K |
Other Financing | 117.24M | 43.46M | 265.44M | 427.63M | 145.01M | -37.83M | 139.72M | 408.07M | 331.26M |
Net Change in Cash | 14.18M▲ 0% | -17.59M▼ 224.1% | 80.1M▲ 555.4% | 32.09M▼ 59.9% | 36.48M▲ 13.7% | -102.98M▼ 382.3% | -26.45M▲ 74.3% | 151.37M▲ 672.3% | -2M▼ 101.3% |
Exchange Rate Effect | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
Cash at Beginning | 38.13M | 52.31M | 34.72M | 114.82M | 146.91M | 183.4M | 80.42M | 53.96M | 5.36M |
Cash at End | 52.31M | 34.72M | 114.82M | 146.91M | 183.4M | 80.42M | 53.96M | 205.33M | 3.36M |
Interest Paid | 7.45M | 10.76M | 15.61M | 13.85M | 7.21M | 9.48M | 37.13M | 54.74M | 65.53M |
Income Taxes Paid | 7.99M | 2.65M | 5.45M | 12M | 15.92M | 11.73M | 7.7M | 9.1M | 18.75M |
Free Cash Flow | 33.39M▲ 0% | 26.57M▼ 20.4% | -27.52M▼ 203.6% | 5.19M▲ 118.9% | 132.05M▲ 2444.4% | 49.84M▼ 62.3% | 45.26M▼ 9.2% | 32.77M▼ 27.6% | 67.35M▲ 105.5% |
FCF Growth % | 386.39% | -20.44% | -203.57% | 118.86% | 2444.35% | -62.26% | -9.19% | -27.6% | 105.52% |
CBNK Banking Ratios
Capital Bancorp, Inc. (CBNK) financial ratios — P/E, ROE, debt and 30+ core market and balance-sheet ratios
| Metric | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|---|---|---|---|---|---|
Return on Equity (ROE) | 14.48% | 9.42% | 13.12% | 13.63% | 17.65% | 22.38% | 19.82% | 14.98% | 10.15% | 15.1% |
Return on Assets (ROA) | 1.15% | 0.74% | 1.2% | 1.33% | 1.56% | 2.03% | 2% | 1.65% | 1.14% | 1.68% |
Net Interest Margin | 4.72% | 4.77% | 5.24% | 4.65% | 4.48% | 5.68% | 6.62% | 6.36% | 4.83% | 5.43% |
Efficiency Ratio | 62.22% | 65.91% | 63.6% | 61.67% | 59.59% | 63.32% | 60.61% | 52.84% | 51.09% | 50.39% |
Equity / Assets | 7.81% | 7.81% | 10.37% | 9.34% | 8.49% | 9.63% | 10.55% | 11.45% | 11.07% | 11.15% |
Book Value / Share | 5.38 | 6.09 | 9.19 | 9.54 | 11.54 | 14.05 | 15.6 | 18.1 | 24.26 | 24.37 |
NII Growth | 26.97% | 14.39% | 18.35% | 14.6% | 26.73% | 38.81% | 20.49% | 0.65% | 9.34% | 26.65% |
Dividend Payout | - | - | - | - | - | 3.46% | 7.38% | 10.93% | 17.03% | 12.76% |
Related:CBNK Dividend History·CBNK Revenue History·CBNK Price History·CBNK P/E History·CBNK Financial Ratios·CBNK Institutional Holders
CBNK SEC Filings & Documents
Capital Bancorp, Inc. (CBNK) SEC filings — annual & quarterly reports (10-K, 10-Q)
CBNK Frequently Asked Questions
Capital Bancorp, Inc. (CBNK) stock FAQ — growth, dividends, profitability & financials explained
Growth & Financials
Capital Bancorp, Inc. (CBNK) grew revenue by 25.3% over the past year. This is strong growth.
Yes, Capital Bancorp, Inc. (CBNK) is profitable, generating $57.2M in net income for fiscal year 2025 (18.8% net margin).
Dividend & Returns
Yes, Capital Bancorp, Inc. (CBNK) pays a dividend with a yield of 1.33%. This makes it attractive for income-focused investors.
Capital Bancorp, Inc. (CBNK) has a return on equity (ROE) of 15.1%. This is reasonable for most industries.
Industry Metrics
Capital Bancorp, Inc. (CBNK) has a net interest margin (NIM) of 5.4%. This indicates healthy earnings from lending activities.
Capital Bancorp, Inc. (CBNK) has an efficiency ratio of 50.4%. This is excellent, indicating strong cost control.