Capital Bancorp, Inc. (CBNK) Financial Ratios
22 years of historical data (2004–2025) · Financial Services · Banks - Regional
EV/EBITDA
↑
7.66
↑+25% vs avg
5yr avg: 6.15
30Y Low2.3·High7.3
P/FCF
↑
8.06
+10% vs avg
5yr avg: 7.35
30Y Low2.8·High37.0
P/B Ratio
↓
1.37
-3% vs avg
5yr avg: 1.41
30Y Low1.2·High1.9
ROE
↓
15.1%
-8% vs avg
5yr avg: 16.5%
30Y Low9%·High22%
Debt/EBITDA
↑
0.71
↓-35% vs avg
5yr avg: 1.09
30Y Low0.6·High15.4
Percentile shows where the current value sits in 30-year historical distribution. Sparklines show 5-year trend.
CBNK Valuation Multiples
Price-based multiples — how expensive the stock is relative to earnings, sales, book value, and cash flow
Capital Bancorp, Inc. trades at 9.8x earnings, roughly in line with its 5-year average of 9.7x, sitting at the 63rd percentile of its historical range. Compared to the Financial Services sector median P/E of 13.6x, the stock trades at a discount of 28%. On a free-cash-flow basis, the stock trades at 8.1x P/FCF, 10% above the 5-year average of 7.3x.
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Market Cap | $543M | $465M | $417M | $341M | $338M | $369M | $192M | $208M | $142M | — | — |
| Enterprise Value | $564M | $486M | $246M | $336M | $407M | $223M | $84M | $143M | $132M | — | — |
| P/E Ratio → | 9.79 | 8.29 | 13.44 | 9.49 | 8.09 | 9.23 | 7.45 | 12.31 | 11.19 | — | — |
| P/S Ratio | 1.79 | 1.53 | 1.72 | 1.65 | 1.88 | 2.12 | 1.30 | 1.93 | 1.66 | — | — |
| P/B Ratio | 1.37 | 1.16 | 1.17 | 1.34 | 1.51 | 1.86 | 1.21 | 1.56 | 1.24 | — | — |
| P/FCF | 8.06 | 6.90 | 12.73 | 7.53 | 6.78 | 2.79 | 37.04 | — | 5.35 | — | — |
| P/OCF | 7.78 | 6.66 | 11.95 | 7.19 | 6.58 | 2.79 | 35.23 | — | 5.02 | — | — |
P/E links to full P/E history page with 30-year chart
CBNK EV Ratios
Enterprise-value multiples — capital-structure-neutral measures of total business value
Capital Bancorp, Inc.'s enterprise value stands at 7.7x EBITDA, 25% above its 5-year average of 6.2x. The Financial Services sector median is 11.4x, placing the stock at a 33% discount on an enterprise-value basis.
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| EV / Revenue | — | 1.60 | 1.02 | 1.63 | 2.26 | 1.28 | 0.57 | 1.32 | 1.55 | — | — |
| EV / EBITDA | 7.66 | 6.60 | 5.59 | 7.20 | 7.32 | 4.05 | 2.26 | 5.69 | 7.03 | — | — |
| EV / EBIT | 7.98 | 6.88 | 5.88 | 7.27 | 7.51 | 4.14 | 2.38 | 6.28 | 7.45 | — | — |
| EV / FCF | — | 7.21 | 7.51 | 7.43 | 8.17 | 1.69 | 16.13 | — | 4.98 | — | — |
CBNK Profitability
Margins and return-on-capital ratios measuring operating efficiency
Capital Bancorp, Inc. earns an operating margin of 23.3%, above the Financial Services sector average of 20.3%. ROE of 15.1% indicates solid capital efficiency, compared to the sector median of 9.0%. ROIC of 12.6% represents solid returns on invested capital versus a sector median of 5.5%.
Margins
Full margin charts and quarterly trend are on the Earnings History page
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Gross Margin | 73.6% | 73.6% | 68.4% | 75.2% | 90.7% | 94.3% | 83.4% | 82.7% | 84.4% | 85.5% | 84.5% |
| Operating Margin | 23.3% | 23.3% | 17.3% | 22.4% | 30.1% | 31.0% | 23.8% | 21.1% | 20.8% | 19.6% | 22.3% |
| Net Profit Margin | 18.8% | 18.8% | 12.8% | 17.4% | 23.2% | 23.0% | 17.5% | 15.7% | 14.9% | 9.9% | 13.5% |
Return on Capital
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| ROE | 15.1% | 15.1% | 10.2% | 15.0% | 19.8% | 22.4% | 17.6% | 13.6% | 13.1% | 9.4% | 14.5% |
| ROA | 1.7% | 1.7% | 1.1% | 1.6% | 2.0% | 2.0% | 1.6% | 1.3% | 1.2% | 0.7% | 1.1% |
| ROIC | 12.6% | 12.6% | 9.1% | 10.6% | 13.9% | 18.9% | 14.0% | 10.7% | 10.7% | 9.9% | 11.1% |
| ROCE | 7.9% | 7.9% | 11.0% | 13.6% | 18.0% | 23.4% | 17.0% | 13.2% | 14.2% | 13.5% | 16.0% |
CBNK Leverage & Debt
Solvency and debt-coverage ratios — lower is generally safer
Capital Bancorp, Inc. carries a Debt/EBITDA ratio of 0.7x, which is very conservative (83% below the sector average of 4.3x). Net debt stands at $21M ($52M total debt minus $31M cash). Interest coverage of just 1.1x is concerning — the company has limited headroom to absorb earnings volatility before struggling with debt service.
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Debt / Equity | 0.13 | 0.13 | 0.10 | 0.19 | 0.58 | 0.17 | 0.23 | 0.36 | 0.20 | 0.38 | 0.47 |
| Debt / EBITDA | 0.71 | 0.71 | 0.77 | 1.05 | 2.32 | 0.62 | 0.97 | 1.90 | 1.20 | 2.03 | 2.00 |
| Net Debt / Equity | — | 0.05 | -0.48 | -0.02 | 0.31 | -0.74 | -0.68 | -0.49 | -0.09 | -0.22 | -0.01 |
| Net Debt / EBITDA | 0.29 | 0.29 | -3.89 | -0.10 | 1.25 | -2.64 | -2.93 | -2.61 | -0.52 | -1.19 | -0.06 |
| Debt / FCF | — | 0.31 | -5.22 | -0.10 | 1.39 | -1.10 | -20.91 | — | -0.37 | -0.54 | -0.14 |
| Interest Coverage | 1.09 | 1.09 | 0.71 | 1.11 | 5.40 | 8.23 | 2.67 | 1.43 | 1.58 | 1.82 | 2.40 |
CBNK Liquidity & Efficiency
Short-term solvency ratios and asset-utilisation metrics
The current ratio of 0.13x is below 1.0, meaning current liabilities exceed current assets.
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Current Ratio | 0.13 | 0.13 | 0.12 | 0.08 | 0.18 | 0.21 | 0.15 | 0.15 | 0.09 | 0.12 | 0.11 |
| Quick Ratio | 0.13 | 0.13 | 0.12 | 0.08 | 0.18 | 0.21 | 0.15 | 0.15 | 0.09 | 0.12 | 0.11 |
| Cash Ratio | 0.01 | 0.01 | 0.07 | 0.03 | 0.03 | 0.10 | 0.09 | 0.09 | 0.03 | 0.05 | 0.04 |
| Asset Turnover | — | 0.08 | 0.08 | 0.09 | 0.08 | 0.08 | 0.08 | 0.08 | 0.08 | 0.07 | 0.08 |
| Inventory Turnover | — | — | — | — | — | — | — | — | — | — | — |
| Days Sales Outstanding | — | — | — | — | — | — | — | — | — | — | — |
CBNK Shareholder Yields
Earnings, FCF, buyback, and dividend yields — total returns to shareholders
Capital Bancorp, Inc. returns 3.5% to shareholders annually — split between a 1.3% dividend yield and 2.2% buyback yield. The payout ratio of 12.8% is conservative, leaving significant room for dividend growth or reinvestment. The earnings yield of 10.2% (inverse of P/E) provides a useful comparison to bond yields when assessing the stock's relative attractiveness to fixed income.
Dividends
Full dividend history and growth charts are on the Dividend History page
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Dividend Yield | 1.3% | — | — | — | — | — | — | — | — | — | — |
| Payout Ratio | 12.8% | 12.8% | 17.0% | 10.9% | 7.4% | 3.5% | — | — | — | — | — |
Total Shareholder Return Metrics
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Earnings Yield | 10.2% | 12.1% | 7.4% | 10.5% | 12.4% | 10.8% | 13.4% | 8.1% | 8.9% | — | — |
| FCF Yield | 12.4% | 14.5% | 7.9% | 13.3% | 14.7% | 35.8% | 2.7% | — | 18.7% | — | — |
| Buyback Yield | 2.2% | — | — | — | — | — | — | — | — | — | — |
| Total Shareholder Yield | 3.5% | — | — | — | — | — | — | — | — | — | — |
| Shares Outstanding | — | $16M | $15M | $14M | $14M | $14M | $14M | $14M | $12M | $13M | $13M |
Peer Comparison
Compare CBNK with 10 similar companies in its peer group
| Company | Market Cap | P/E | EV/EBITDA | P/FCF | Gross Margin | Op Margin | ROE | ROIC | Debt/EBITDA |
|---|---|---|---|---|---|---|---|---|---|
 CBNKYou | $543M | 9.8 | 7.7 | 8.1 | 73.6% | 23.3% | 15.1% | 12.6% | 0.7 |
 FUNC | $277M | 11.3 | 8.0 | 18.0 | 70.2% | 27.3% | 12.8% | 7.1% | 3.5 |
 NBTB | $2B | 14.0 | 10.7 | 11.1 | 72.1% | 25.3% | 9.9% | 7.9% | 1.4 |
 MNSB | $176M | 13.6 | 11.5 | 16.5 | 54.4% | 14.0% | 7.3% | 5.0% | 3.7 |
 CZWI | $205M | 14.6 | 15.6 | 19.8 | 54.7% | 7.0% | 7.9% | 2.0% | 5.8 |
 BWFG | $448M | 12.6 | 7.7 | 17.1 | 51.6% | 23.3% | 12.3% | 8.0% | 3.4 |
 NECB | $356M | 7.9 | 5.5 | 7.0 | 66.1% | 39.6% | 13.3% | 12.5% | 1.2 |
 OPBK | $214M | 8.3 | -2.3 | 9.2 | 54.7% | 21.2% | 11.9% | 8.1% | 2.9 |
 CHMG | $341M | 22.7 | 14.3 | 7.7 | 64.2% | 14.2% | 6.4% | 5.0% | 0.2 |
 FIS | $20B | 50.9 | 6.4 | 7.0 | 36.9% | 16.5% | 2.6% | 6.0% | 1.1 |
 FISV | $26B | 7.5 | 6.1 | 5.9 | 59.4% | 26.9% | 13.0% | 8.1% | 3.3 |
| Financial Services Median | — | 13.6 | 11.4 | 11.1 | 64.1% | 20.3% | 9.0% | 5.5% | 4.3 |
Peer selection based on competitive and market overlap. Compare multiple stocks →
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Includes 30+ ratios · 14 years · Updated daily
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CBNK — Frequently Asked Questions
Quick answers to the most common questions about buying CBNK stock.
What is Capital Bancorp, Inc.'s P/E ratio?
Capital Bancorp, Inc.'s current P/E ratio is 9.8x. The historical average is 9.9x. This places it at the 63th percentile of its historical range.
What is Capital Bancorp, Inc.'s EV/EBITDA?
Capital Bancorp, Inc.'s current EV/EBITDA is 7.7x. This enterprise value multiple compares the company's total value (equity + debt - cash) to its EBITDA. The historical average is 5.7x.
What is Capital Bancorp, Inc.'s ROE?
Capital Bancorp, Inc.'s return on equity (ROE) is 15.1%. The historical average is 14.6%.
Is CBNK stock overvalued?
Based on historical data, Capital Bancorp, Inc. is trading at a P/E of 9.8x. This is at the 63th percentile of its historical P/E range. Compare with industry peers and growth rates for a complete picture.
What is Capital Bancorp, Inc.'s dividend yield?
Capital Bancorp, Inc.'s current dividend yield is 1.33% with a payout ratio of 12.8%.
What are Capital Bancorp, Inc.'s profit margins?
Capital Bancorp, Inc. has 73.6% gross margin and 23.3% operating margin. Operating margin above 20% indicates strong pricing power and cost efficiency.
How much debt does Capital Bancorp, Inc. have?
Capital Bancorp, Inc.'s Debt/EBITDA ratio is 0.7x, indicating low leverage. A ratio below 2x is generally considered financially healthy.