Capital Bancorp, Inc. (CBNK) Earnings History
Annual and quarterly earnings data from 2004 to 2025
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CBNK EPS Growth (CAGR)
Compound annual growth rate of diluted earnings per share
CAGR (Compound Annual Growth Rate) shows the annualized growth rate of EPS over the specified period. A higher CAGR indicates stronger earnings momentum.
CBNK Profitability Analysis
Margin trends over time
| Year | Gross Margin | Operating Margin | Net Margin |
|---|---|---|---|
| 2025 | 73.6% | 23.3% | 18.8% |
| 2024 | 68.4% | 17.3% | 12.8% |
| 2023 | 75.2% | 22.4% | 17.4% |
| 2022 | 90.7% | 30.1% | 23.2% |
| 2021 | 94.3% | 31.0% | 23.0% |
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Capital Bancorp, Inc. (CBNK) Earnings Overview
As of May 8, 2026, Capital Bancorp, Inc. (CBNK) reported trailing twelve-month net income of $57M, reflecting +60.4% year-over-year growth. The company earned $3.47 per diluted share over the past four quarters, with a net profit margin of 18.8%.
Looking at the long-term picture, CBNK's 5-year EPS compound annual growth rate (CAGR) stands at +12.7%, showing solid earnings momentum. The company achieved its highest annual net income of $57M in fiscal 2025, representing a new all-time high.
Capital Bancorp, Inc. maintains industry-leading profitability with a gross margin of 73.6%, operating margin of 23.3%, and net margin of 18.8%. This margin structure demonstrates strong pricing power and operational efficiency. View revenue history →
Compared to peers including FUNC ($25M net income, 18.4% margin), NBTB ($169M net income, 19.5% margin), MNSB ($16M net income, 11.5% margin), CBNK has outperformed on profitability metrics. Compare CBNK vs FUNC →
CBNK Earnings vs Peers
Earnings metrics vs comparable public companies
CBNK Historical Earnings Data (2004–2025)
14 years| Fiscal Year | Net Income | YoY % | Operating Income | EPS (Diluted) | Net Margin | Op. Margin |
|---|---|---|---|---|---|---|
| 2025 | $57M | +84.6% | $71M | $3.40 | 18.8% | 23.3% |
| 2024 | $31M | -13.7% | $42M | $2.12 | 12.8% | 17.3% |
| 2023 | $36M | -14.2% | $46M | $2.55 | 17.4% | 22.4% |
| 2022 | $42M | +4.6% | $54M | $2.91 | 23.2% | 30.1% |
| 2021 | $40M | +54.8% | $54M | $2.84 | 23.0% | 31.0% |
| 2020 | $26M | +52.8% | $35M | $1.87 | 17.5% | 23.8% |
| 2019 | $17M | +32.3% | $23M | $1.21 | 15.7% | 21.1% |
| 2018 | $13M | +79.6% | $18M | $1.02 | 14.9% | 20.8% |
| 2017 | $7M | -24.7% | $14M | $0.54 | 9.9% | 19.6% |
| 2016 | $9M | +26.0% | $16M | $0.72 | 13.5% | 22.3% |
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Start ComparisonCBNK — Frequently Asked Questions
Quick answers to the most common questions about buying CBNK stock.
Is CBNK growing earnings?
CBNK EPS is $3.47, with earnings growth accelerating to +60.4%. This exceeds the 5-year CAGR of +12.7%. TTM net income reached $57M.
What are CBNK's profit margins?
Capital Bancorp, Inc. net margin is +18.8%, with operating margin at +23.3%. Above-average margins indicate pricing power.
How consistent are CBNK's earnings?
CBNK earnings data spans 2004-2025. The accelerating earnings trend is +60.4% YoY. Historical data enables comparison across business cycles.