Last 32 quarters of trend data · Financial Services · Banks - Regional
Quarterly valuation ratios — annualised for comparability. YoY Δ shows same-quarter-prior-year change.
Capital Bancorp, Inc.'s quarterly P/E stands at 7.7x, down 51.1% year-over-year — suggesting improving earnings relative to price. EV/EBITDA has expanded 6.1% YoY to 5.9x, reflecting rising market expectations or slowing EBITDA growth.
| Metric | TTM | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| P/E Ratio → | 9.79 | 7.74 | 8.96 | 10.76 | 8.64 | 15.83 | 10.37 | 8.69 | 11.08 | 9.31 | 6.83 | 8.70 | 6.12 |
| — | -51.1% | -13.6% | +23.9% | -22.0% | +70.1% | +51.7% | -0.2% | +81.1% | -1.9% | -8.9% | +28.3% | -24.0% | |
| P/S Ratio | 1.79 | 1.51 | 1.79 | 1.84 | 1.59 | 1.67 | 1.51 | 1.25 | 1.33 | 1.60 | 1.24 | 1.23 | 1.20 |
| — | -9.6% | +18.6% | +47.3% | +19.3% | +4.7% | +22.0% | +1.6% | +11.1% | -11.5% | -32.1% | -28.9% | -37.4% | |
| P/B Ratio | 1.37 | 1.16 | 1.36 | 1.48 | 1.30 | 1.34 | 1.28 | 1.06 | 1.12 | 1.33 | 1.10 | 1.07 | 1.01 |
| — | -13.9% | +6.3% | +39.6% | +16.1% | +1.1% | +15.9% | -0.8% | +10.3% | -12.3% | -28.8% | -28.5% | -37.8% | |
| P/FCF | 8.06 | 6.44 | 4.24 | — | 5.35 | 4.99 | 498.17 | 5.88 | — | 12.86 | 3.01 | 7.60 | 7.39 |
| — | +29.1% | -99.1% | — | — | -61.2% | +16445.8% | -22.7% | — | -16.4% | -43.5% | +92.4% | -18.0% | |
| EV / EBITDA | 7.66 | 5.90 | 4.57 | 4.47 | 2.86 | 5.56 | 6.37 | 4.41 | 6.67 | 7.55 | 3.00 | 4.47 | 2.73 |
| — | +6.1% | -28.3% | +1.4% | -57.1% | -26.4% | +112.2% | -1.4% | +144.8% | -11.4% | -46.3% | +181.4% | +214.5% | |
| EV / EBIT | 7.98 | 6.17 | 4.81 | 4.73 | 3.00 | 7.09 | 5.79 | 4.40 | 6.92 | 7.45 | 3.09 | 4.43 | 2.80 |
| — | -13.0% | -16.8% | +7.6% | -56.7% | -4.8% | +87.1% | -0.6% | +147.4% | -15.1% | -46.0% | +172.0% | +213.8% |
Quarterly margins and returns. Watch for margin compression across consecutive quarters.
Capital Bancorp, Inc.'s operating margin was 25.6% in Q4 2025, down 0.9 pp QoQ and up 10.5 pp YoY. Gross margin expanded 10.1% YoY, indicating pricing power or improving input costs.
| Metric | TTM | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Gross Margin | 73.6% | 70.9% | 76.3% | 72.6% | 74.8% | 64.4% | 69.6% | 70.1% | 70.1% | 72.1% | 75.5% | 75.7% | 78.6% |
| — | +10.1% | +9.7% | +3.6% | +6.7% | -10.6% | -7.9% | -7.4% | -10.8% | -11.9% | -19.3% | -18.6% | -17.5% | |
| Operating Margin | 23.3% | 25.6% | 26.5% | 22.3% | 24.3% | 15.1% | 19.4% | 19.2% | 15.9% | 21.2% | 23.6% | 18.5% | 25.6% |
| — | +69.4% | +36.8% | +16.3% | +53.1% | -28.6% | -17.9% | +3.7% | -38.0% | -14.6% | -25.5% | -43.1% | -19.5% | |
| Net Margin | 18.8% | 19.6% | 20.1% | 17.1% | 18.5% | 10.6% | 14.6% | 14.4% | 12.1% | 17.1% | 18.1% | 14.1% | 19.7% |
| — | +85.1% | +37.5% | +19.0% | +53.2% | -38.0% | -19.1% | +1.8% | -38.7% | -10.9% | -25.8% | -44.8% | -17.7% |
| Metric | TTM | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| ROE | 15.1% | 3.8% | 3.9% | 3.5% | 3.8% | 2.4% | 3.2% | 3.1% | 2.6% | 3.6% | 4.1% | 3.1% | 4.2% |
| — | +59.2% | +22.9% | +12.6% | +50.7% | -34.6% | -22.3% | +0.3% | -39.9% | -11.6% | -22.6% | -44.9% | -17.0% | |
| ROA | 1.7% | 0.4% | 0.4% | 0.4% | 0.4% | 0.3% | 0.3% | 0.3% | 0.3% | 0.4% | 0.4% | 0.3% | 0.4% |
| — | +64.6% | +28.1% | +13.2% | +47.4% | -34.9% | -20.3% | +5.3% | -35.3% | -7.7% | -18.4% | -39.2% | -8.8% | |
| ROIC | 12.6% | 3.3% | 3.5% | 3.1% | 3.5% | 2.2% | 2.6% | 2.7% | 2.2% | 2.9% | 3.5% | 2.6% | 3.0% |
| — | +51.7% | +34.5% | +15.8% | +59.9% | -23.9% | -24.8% | +3.8% | -27.9% | -0.3% | -20.9% | -43.1% | -31.0% |
Quarterly solvency trend — watch for debt spikes or covenant pressure.
Capital Bancorp, Inc.'s Debt/EBITDA ratio is 2.5x, up from 1.6x last quarter — at a moderate level that warrants monitoring. The current ratio has improved 8.9% YoY to 0.13x, strengthening the short-term liquidity position.
| Metric | TTM | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Debt / Equity | 0.13 | 0.13 | 0.09 | 0.09 | 0.09 | 0.10 | 0.23 | 0.16 | 0.13 | 0.19 | 0.14 | 0.14 | 0.19 |
| — | +35.0% | -62.3% | -45.5% | -29.8% | -50.2% | +63.1% | +14.7% | -30.1% | -66.6% | -11.9% | -12.7% | +11.1% | |
| Debt / EBITDA | 0.71 | 2.53 | 1.63 | 1.88 | 1.77 | 2.48 | 6.13 | 4.04 | 3.81 | 4.44 | 2.59 | 3.59 | 3.39 |
| — | +2.0% | -73.5% | -53.4% | -53.4% | -44.1% | +137.2% | +12.4% | +12.2% | -58.8% | +12.1% | +57.8% | +39.0% | |
| Current Ratio | 0.13 | 0.13 | 0.15 | 0.14 | 0.14 | 0.12 | 0.17 | 0.17 | 0.15 | 0.08 | 0.18 | 0.17 | 0.21 |
| — | +8.9% | -12.7% | -16.6% | -10.1% | +48.8% | -5.9% | -2.5% | -25.8% | -56.7% | +1.7% | -31.9% | -21.3% | |
| Quick Ratio | 0.13 | 0.13 | 0.15 | 0.14 | 0.14 | 0.12 | 0.17 | 0.17 | 0.15 | 0.08 | 0.18 | 0.17 | 0.21 |
| — | +8.9% | -12.7% | -16.6% | -10.1% | +48.8% | -5.9% | -2.5% | -25.8% | -56.7% | +1.7% | -31.9% | -21.3% | |
| Interest Coverage | 1.09 | 1.07 | 1.54 | 1.01 | 1.09 | 0.62 | 0.81 | 0.81 | 0.65 | 0.93 | 1.17 | 0.98 | 1.42 |
| — | — | — | — | — | — | — | — | — | — | — | — | — |
Includes 30+ ratios · 32 years · Updated daily
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Quick answers to the most common questions about buying CBNK stock.
Capital Bancorp, Inc.'s current P/E is 9.8x. The average P/E over the last 4 quarters is 9.0x. Quarterly P/E ratios can vary due to seasonal revenue patterns and one-time charges.
Capital Bancorp, Inc.'s current operating margin is 23.3%. Margins have been expanding over recent quarters. Quarterly margins are particularly useful for identifying trend inflections that annual data smooths over.
Quarterly financial ratios reveal short-term trend shifts — margin compression, debt spikes, or valuation re-ratings — that annual figures smooth over. They're essential for active investors tracking Capital Bancorp, Inc.'s business trajectory between earnings reports.