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CBNK logoCapital Bancorp, Inc.(CBNK)Earnings, Financials & Key Ratios

CBNK•NASDAQ•Banking & Credit
$31.61
$516M mkt cap·9.3× P/E·Price updated May 6, 2026
SectorFinancial ServicesIndustryRegional BanksSub-IndustrySpecialty finance and niche lenders
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%
  • Tangible BV/Share21.99+1.2%
  • Debt/Equity0.13+35.0%
Technical→

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 1.3x 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.

CBNK Price & Volume

Capital Bancorp, Inc. (CBNK) stock price & volume — 10-year historical chart

Loading chart...

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

Full history →
●Beat EPS 3/12 qtrs (33%)●Beat Revenue 6/12 qtrs (67%)
Q2 2026Latest
Apr 27, 2026
EPS
$0.73
Est $0.78
-6.4%
Revenue
$63M
Est $62M
+0.6%
Q2 2026
Mar 16, 2026
EPS
$0.91
Revenue
$77M
Q1 2026
Jan 26, 2026
EPS
$0.91
Est $0.79
+15.5%
Revenue
$63M
Est $61M
+2.7%
Q4 2025
Oct 27, 2025
EPS
$0.72
Est $0.88
-18.2%
Revenue
$62M
Est $61M
+1.5%
QuarterDateEPS (Act vs Est)Revenue (Act vs Est)
Q2 2026LatestApr 27, 2026
$0.73vs $0.78-6.4%
$63Mvs $62M+0.6%
Q2 2026Mar 16, 2026
$0.91
$77M
Q1 2026Jan 26, 2026
$0.91vs $0.79+15.5%
$63Mvs $61M+2.7%
Q4 2025Oct 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

Select Columns
Stock Universe
Valuation
Growth
Profitability
Financial Health
Dividends & Buybacks
Price Performance
Technical
Fundamentals ($)
Sector-Specific
CompanyMarket CapStock PriceP/E Ratio (TTM)Revenue Growth 1YNet MarginReturn on Equity (ROE)FCF YieldDebt / Equity
FUNC logoFUNCFirst United CorporationDirect Competitor243.7M37.5111.9116.94%12.52%1.05
NBTB logoNBTBNBT Bancorp Inc.Direct Competitor2.36B45.2013.5710.36%9.51%0.17
MNSB logoMNSBMainStreet Bancshares, Inc.Direct Competitor175.12M23.3613.27-1.44%7.26%0.32
CZWI logoCZWICitizens Community Bancorp, Inc.Direct Competitor202.59M21.0414.41-9.41%7.81%0.28
BWFG logoBWFGBankwell Financial Group, Inc.Direct Competitor417.32M52.3411.766.13%12.21%0.60
NECB logoNECBNortheast Community Bancorp, Inc.Direct Competitor337.14M24.377.50-1.55%13.07%0.21
OPBK logoOPBKOP BancorpProduct Competitor218.45M14.678.538.19%11.75%0.54
CHMG logoCHMGChemung Financial CorporationProduct Competitor322.44M67.0521.42-6.46%6.27%0.02

Compare CBNK vs Peers

Capital Bancorp, Inc. (CBNK) vs competitors — business, growth, and fundamentals comparison against the closest industry rivals.

Closest Rival

vs FUNC

Most directly comparable listed peer for CBNK.

Scale Benchmark

vs V

Larger-name benchmark to compare CBNK against a more recognizable public peer.

Peer Set

Compare Top 5

vs FUNC, NBTB, MNSB, CZWI

CBNK Income Statement

Capital Bancorp, Inc. (CBNK) annual income statement — 10-year revenue, gross profit & net income history

10Y historyFree accessUpdated daily
Line itemDec'17Dec'18Dec'19Dec'20Dec'21Dec'22Dec'23Dec'24Dec'25
Net Interest Income48.91M57.89M66.34M84.07M116.69M140.61M141.53M154.75M195.99M
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 Income56.67M69.13M82.18M97.25M123.24M150.65M183.21M213.3M260.87M
Interest Expense7.75M11.24M15.84M13.18M6.55M10.04M41.68M58.55M64.88M
Loan Loss Provision2.65M2.14M2.79M11.24M3.36M6.63M9.51M18.11M15.18M
Non-Interest Income15.23M16.4M25.69M50.14M50.64M29.37M23.34M28.98M42.76M
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 Expense47.38M54.4M66.53M87.83M110.09M109.11M109.13M123.79M152.99M
Efficiency Ratio65.91%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 Tax6.99M4.98M5.82M9.31M13.9M12.43M10.35M10.86M17.77M
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)7.11M12.77M16.89M25.82M39.98M41.8M35.87M30.97M57.17M
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)0.541.051.231.872.902.982.562.123.45
Diluted Shares Outstanding13.16M12.46M13.97M13.8M14.08M14.36M14.08M14.64M16.49M

CBNK Balance Sheet

Capital Bancorp, Inc. (CBNK) balance sheet — assets, liabilities & shareholders' equity

Line itemDec'17Dec'18Dec'19Dec'20Dec'21Dec'22Dec'23Dec'24Dec'25
Cash & Short Term Investments102.57M79.37M173.81M244.32M364.19M312.21M138.17M307.96M260.98M
Cash & Due from Banks48.55M32.44M112.98M144.54M179.74M59.73M53.56M205.27M30.89M
Short Term Investments54.03M46.93M60.83M99.79M184.46M252.48M84.61M102.68M230.08M
Total Investments957.76M1.05B1.29B1.7B1.81B1.96B2.09B2.83B3.19B
Investments Growth %12.42%10.09%22.23%31.93%6.32%8.66%6.43%35.2%12.85%
Long-Term Investments903.73M1.01B1.23B1.6B1.62B1.71B2.01B2.72B2.96B
Accounts Receivables3.87M4.46M4.77M8.13M7.9M9.49M11.49M16.66M25.83M
Goodwill & Intangibles000000036.94M39.22M
Goodwill000000021.13M25.97M
Intangible Assets000000015.82M13.25M
PP&E (Net)2.6M2.98M6.09M4.46M3.28M3.39M5.07M15.53M15.07M
Other Assets8.32M7.02M10.71M12.37M46.81M73.01M53.32M89.42M290.67M
Total Current Assets107.97M83.92M178.57M252.46M372.09M321.7M149.66M324.62M286.81M
Total Non-Current Assets918.04M1.02B1.25B1.62B1.68B1.8B2.08B2.88B3.32B
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 Payable1.08M1.56M1.8M1.13M473K1.03M5.58M9.39M8.74M
Total Debt30.62M22.56M47.65M36.02M34.06M129.06M49.06M34.06M52.06M
Net Debt-17.92M-9.88M-65.33M-108.52M-145.68M69.33M-4.5M-171.21M21.17M
Long-Term Debt17.56M17.39M47.65M26.02M24.06M119.06M49.06M34.06M52.06M
Short-Term Debt13.06M5.16M010M10M10M000
Other Liabilities9.29M11.13M19.41M28M25.73M11.47M20.68M46.38M902.96M
Total Current Liabilities919.04M961.97M1.23B1.66B1.81B1.77B1.9B2.77B2.25B
Total Non-Current Liabilities26.85M28.53M67.06M54.02M49.79M130.54M69.74M80.44M955.02M
Total Liabilities945.89M990.49M1.29B1.72B1.86B1.9B1.97B2.85B3.2B
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 Share6.099.199.5411.5414.0515.6018.1024.2624.37
Tangible BV per Share6.099.199.5411.5414.0515.6018.1021.7321.99
Common Stock115K137K139K138K140K141K139K167K164K
Additional Paid-in Capital27.05M49.32M51.56M50.6M54.31M58.19M54.47M128.6M0
Retained Earnings53.2M65.7M81.62M106.85M144.53M182.44M213.34M237.84M286.66M
Accumulated OCI-247K-595K13K1.72M-1.08M-16.75M-13.1M-11.47M-5.76M
Treasury Stock000000000
Preferred Stock000000000

CBNK Cash Flow Statement

Capital Bancorp, Inc. (CBNK) cash flow — operating, investing & free cash flow history

Line itemDec'17Dec'18Dec'19Dec'20Dec'21Dec'22Dec'23Dec'24Dec'25
Cash from Operations34.81M28.3M-27.21M5.46M132.08M51.39M47.42M34.93M69.72M
Operating CF Growth %361.99%-18.71%-196.15%120.05%2320.3%-61.09%-7.73%-26.34%99.62%
Net Income7.11M12.77M16.89M25.82M39.98M41.8M35.87M30.97M57.17M
Depreciation & Amortization983K1.08M2.35M1.89M1.21M1.43M473K2.21M0
Deferred Taxes-239K-141K-839K-3.17M-1.93M1.24M142K-1.81M0
Other Non-Cash Items27.12M11.27M-48.89M-23.09M96.33M15.44M8.96M70K13.46M
Working Capital Changes-663K2.75M2.48M3.02M-4.86M-10.19M215K1.59M-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-12.81M0-38.59M-53.93M-169.67M-113.08M-6.96M-65.4M0
Sale/Maturity of Investments6.2M6.39M25.45M17.01M80.42M23.85M55.99M53.21M0
Net Investment Activity-6.61M6.39M-13.14M-36.92M-89.26M-89.23M49.03M-12.19M0
Acquisitions000000065.17M0
Other Investing-125.34M-113.92M-174.49M-348.33M-148.95M-107.67M-177.71M-320.78M-350.88M
Cash from Financing112.73M63.37M295.29M412.14M142.64M44.09M56.97M386.39M331.39M
Dividends Paid0000-1.38M-3.08M-3.92M-5.28M-7.3M
Share Repurchases-512K-45K-371K-3.72M00-8.83M-1.4M-11.73M
Stock Issued019.96M00967K0001.16M
Net Stock Activity-512K19.92M-371K-3.72M967K0-8.83M-1.4M-10.57M
Debt Issuance (Net)-1000K01000K-1000K-1000K1000K-1000K-1000K1000K
Other Financing117.24M43.46M265.44M427.63M145.01M-37.83M139.72M408.07M331.26M
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 Effect000000000
Cash at Beginning38.13M52.31M34.72M114.82M146.91M183.4M80.42M53.96M5.36M
Cash at End52.31M34.72M114.82M146.91M183.4M80.42M53.96M205.33M3.36M
Interest Paid7.45M10.76M15.61M13.85M7.21M9.48M37.13M54.74M65.53M
Income Taxes Paid7.99M2.65M5.45M12M15.92M11.73M7.7M9.1M18.75M
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

Metric2016201720182019202020212022202320242025
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 Margin4.72%4.77%5.24%4.65%4.48%5.68%6.62%6.36%4.83%5.43%
Efficiency Ratio62.22%65.91%63.6%61.67%59.59%63.32%60.61%52.84%51.09%50.39%
Equity / Assets7.81%7.81%10.37%9.34%8.49%9.63%10.55%11.45%11.07%11.15%
Book Value / Share5.386.099.199.5411.5414.0515.618.124.2624.37
NII Growth26.97%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%

CBNK SEC Filings & Documents

Capital Bancorp, Inc. (CBNK) SEC filings — annual & quarterly reports (10-K, 10-Q)

8-K Announcements

6
Material company update

Apr 27, 2026·SEC

Material company update

Mar 18, 2026·SEC

Material company update

Feb 10, 2026·SEC

10-K Annual Reports

3
FY 2026

Mar 16, 2026·SEC

FY 2025

Mar 17, 2025·SEC

FY 2024

Mar 15, 2024·SEC

10-Q Quarterly Reports

6
FY 2025

Nov 10, 2025·SEC

FY 2025

Aug 8, 2025·SEC

FY 2025

May 9, 2025·SEC

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 1.40%. 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.

Explore More CBNK

Capital Bancorp, Inc. (CBNK) financial analysis — history, returns, DCA and operating performance tools

Total Return Calculator

Historical returns with dividends reinvested

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DCA Calculator

Dollar cost averaging vs lump sum

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Dividend History

Yield, growth, payout safety & DRIP

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Earnings History

EPS trends, net income & profitability

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Price History

Long-term charts & historical price data

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Revenue History

Sales growth patterns & revenue breakdown

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Financial Ratios

30 years of market, efficiency and balance-sheet ratios

→

Valuation

DCF intrinsic value, peer multiples & estimates

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