Capital Bancorp, Inc. (CBNK) Earnings History
Growth Compounder22 years of earnings data (2004–2025) · Consistent double-digit EPS growth over 5 years
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Capital Bancorp, Inc. (CBNK) Earnings Overview
As of June 22, 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, 20.6% margin), NBTB ($169M net income, 19.5% margin), MNSB ($16M net income, 11.5% margin), CBNK has room to improve margins relative to the peer group. 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% |
| 2015 | $7M | +79.2% | $12M | $0.57 | 14.1% | 22.9% |
| 2006 | $4M | +29.7% | $7M | $0.31 | 10.5% | 16.3% |
| 2005 | $3M | -4.4% | $5M | $0.24 | 11.1% | 17.2% |
| 2004 | $3M | - | $4M | $0.25 | 17.0% | 19.7% |
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CBNK — Frequently Asked Questions
Quick answers to the most common questions about buying CBNK stock.
What is CBNK earnings per share (EPS)?
CBNK trailing twelve-month (TTM) diluted EPS is $3.47, reflecting +60.4% year-over-year growth. The 5-year EPS CAGR is +12.7%. Complete EPS history from 2004 to 2025 is available in the table on this page.
What is Capital Bancorp, Inc.'s net income?
Capital Bancorp, Inc. (CBNK) trailing twelve-month net income is $57M as of 2025. Earnings grew +60.4% year-over-year. Capital Bancorp, Inc. has been profitable for 14 consecutive years.
Is CBNK profitable?
Yes, CBNK is profitable with a TTM net income of $57M and a net profit margin of +18.8%. Capital Bancorp, Inc. has generated profits for 14 consecutive years.
What is CBNK's earnings growth rate?
CBNK compound annual EPS growth rates (CAGR): 1-Year: +60.4%, 3-Year: +5.3%, 5-Year: +12.7%, 10-Year: +19.6%. These figures measure the annualised rate of diluted EPS growth over each period, based on data from 2004 to 2025.
What are CBNK's profit margins?
Capital Bancorp, Inc. net profit margin is +18.8%, operating margin is +23.3%, and gross margin is +73.6%. Above-average net margins reflect strong pricing power and competitive moat. Return on Equity is +15.1%.
Is CBNK growing earnings?
Yes, CBNK earnings are accelerating — EPS growth of +60.4% exceeds the 5-year CAGR of +12.7%. TTM net income reached $57M. Earnings momentum is strengthening.
What was CBNK's best earnings year?
Capital Bancorp, Inc.'s highest annual net income on record is $57M, achieved in fiscal year 2025. Earnings history on this page spans 2004 to 2025 and includes all annual and quarterly figures.
What were CBNK's earnings last quarter?
CBNK's most recent reported quarter was Q4 2025. Net income was $15M with diluted EPS of $0.91. For a full breakdown of all quarters, see the quarterly earnings table on this page.