8-K Announcements
6Apr 27, 2026·SEC
Mar 18, 2026·SEC
Feb 10, 2026·SEC
Capital Bancorp, Inc. (CBNK) fundamental analysis — strengths, weaknesses & financial health based on data analysis
* These insights are generated automatically based on available financial data. Please conduct your own research before making investment decisions.
Capital Bancorp, Inc. (CBNK) stock price & volume — 10-year historical chart
Capital Bancorp, Inc. (CBNK) revenue, earnings & EPS growth — 3, 5 & 10-year CAGR
Capital Bancorp, Inc. (CBNK) EPS & revenue vs analyst estimates — last 4 quarters
| 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% |
Capital Bancorp, Inc. (CBNK) competitors in Specialty finance and niche lenders — business model, growth, and fundamentals comparison
Capital Bancorp, Inc. (CBNK) vs competitors — business, growth, and fundamentals comparison against the closest industry rivals.
Capital Bancorp, Inc. (CBNK) annual income statement — 10-year revenue, gross profit & net income history
| Line item | 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 |
Capital Bancorp, Inc. (CBNK) balance sheet — assets, liabilities & shareholders' equity
| Line item | 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 |
Capital Bancorp, Inc. (CBNK) cash flow — operating, investing & free cash flow history
| Line item | 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% |
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% |
Capital Bancorp, Inc. (CBNK) SEC filings — annual & quarterly reports (10-K, 10-Q)
Apr 27, 2026·SEC
Mar 18, 2026·SEC
Feb 10, 2026·SEC
Capital Bancorp, Inc. (CBNK) stock FAQ — growth, dividends, profitability & financials explained
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).
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.
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.
Capital Bancorp, Inc. (CBNK) financial analysis — history, returns, DCA and operating performance tools
Historical returns with dividends reinvested
Dollar cost averaging vs lump sum
Yield, growth, payout safety & DRIP
EPS trends, net income & profitability
Long-term charts & historical price data
Sales growth patterns & revenue breakdown
30 years of market, efficiency and balance-sheet ratios
DCF intrinsic value, peer multiples & estimates