Capital Bancorp, Inc. (CBNK) P/E Ratio History
Premium ValuationTrading at 12.8x vs 5Y avg 9.3x · 95th percentile · Premium to historical baseline · Data 2018–2026
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P/E Ratio Analysis
As of November 9, 2026, Capital Bancorp, Inc. (CBNK) trades at a price-to-earnings ratio of 12.8x, with a stock price of $42.39 and trailing twelve-month earnings per share of $3.30.
The current P/E is 38% above its 5-year average of 9.3x. Over the past five years, CBNK's P/E has ranged from a low of 5.8x to a high of 13.4x, placing the current valuation at the 95th percentile of its historical range.
Compared to the Financial Services sector median P/E of 12.1x, CBNK is roughly in line with its sector peers. The sector includes 763 companies with P/E ratios ranging from 0.0x to 190.1x.
The PEG ratio of 1.01 (P/E divided by 60% EPS growth) suggests a fair valuation relative to its earnings growth. Peter Lynch popularized the rule that a PEG below 1.0 indicates an attractive entry point.
Relative to the broader market, CBNK trades at a notable discount to the S&P 500 median P/E of 21.8x. Investors should consider the company's growth prospects, competitive position, and earnings quality when evaluating whether the current valuation is justified.
For a comprehensive intrinsic value estimate using discounted cash flow analysis, see our CBNK DCF Valuation Calculator →
Note: P/E ratio is just one valuation metric. It does not account for balance sheet strength, cash flow quality, or growth sustainability. Always conduct comprehensive due diligence before making investment decisions.
CBNK Cross-Benchmark Valuation
How does the current P/E compare to sector peers and the broader market?
CBNK P/E vs Peers
Digital and Niche Banks peers sorted by market cap
| Company | Market Cap | P/E Ratio | PEG Ratio | EPS Growth (1Y) |
|---|---|---|---|---|
| $296M | 11.7 | 0.90 | +20% | |
| $3B | 12.7 | 1.80 | +13% | |
| $157M | 9.6 | - | +210% | |
| $225M | 16.1 | 3.18 | +9% | |
| $559M | 12.2 | 0.29 | +262%Best | |
| $401M | 9.5 | 0.28 | -8% | |
| $220M | 7.3 | 0.49 | +24% | |
| $408M | 10.7 | - | -37% | |
| $15B | 4.3Lowest | 0.18Best | -47% |
Lower P/E can signal a discount or weaker growth expectations; PEG adds growth context.
CBNK Historical P/E Data (2018–2026)
Quarterly P/E ratios calculated from closing price and TTM EPS
| Quarter | Period End | Price | TTM EPS | P/E Ratio | vs Avg |
|---|---|---|---|---|---|
| FY2026 Q3 | Sep 30 2026 | $39.31 | $3.31 | 11.9x | +23% |
| FY2026 Q2 | - | $35.12 | $3.40 | 10.3x | +7% |
| FY2026 Q1 | - | $29.74 | $3.31 | 9.0x | -7% |
| FY2025 Q4 | Dec 31 2025 | $28.17 | $3.40 | 8.3x | -14% |
| FY2025 Q3 | - | $31.90 | $2.94 | 10.9x | +13% |
| FY2025 Q2 | Jun 30 2025 | $33.58 | $2.67 | 12.6x | +31% |
| FY2025 Q1 | Mar 31 2025 | $28.33 | $2.48 | 11.4x | +19% |
| FY2024 Q4 | - | $28.50 | $2.13 | 13.4x | +39% |
| FY2024 Q3 | Sep 30 2024 | $25.71 | $2.33 | 11.0x | +15% |
| FY2024 Q2 | Jun 30 2024 | $20.50 | $2.41 | 8.5x | -12% |
| FY2024 Q1 | Mar 31 2024 | $20.83 | $2.34 | 8.9x | -8% |
| FY2023 Q4 | Dec 31 2023 | $24.20 | $2.55 | 9.5x | -2% |
| FY2023 Q3 | Sep 30 2023 | $19.13 | $2.52 | 7.6x | -21% |
| FY2023 Q2 | Jun 30 2023 | $18.10 | $2.59 | 7.0x | -27% |
| FY2023 Q1 | Mar 31 2023 | $16.64 | $2.87 | 5.8x | -40% |
| FY2022 Q4 | Dec 31 2022 | $23.54 | $2.90 | 8.1x | -16% |
| FY2022 Q3 | Sep 30 2022 | $23.10 | $2.99 | 7.7x | -20% |
| FY2022 Q2 | - | $21.70 | $3.01 | 7.2x | -25% |
| FY2022 Q1 | - | $22.86 | $2.89 | 7.9x | -18% |
| FY2021 Q4 | Dec 31 2021 | $26.20 | $2.83 | 9.3x | -4% |
| FY2021 Q3 | - | $24.06 | $2.83 | 8.5x | -12% |
| FY2021 Q2 | Jun 30 2021 | $20.45 | $2.65 | 7.7x | -20% |
| FY2021 Q1 | Mar 31 2021 | $19.29 | $2.31 | 8.4x | -13% |
| FY2020 Q4 | - | $13.93 | $1.87 | 7.4x | -23% |
| FY2020 Q3 | Sep 30 2020 | $9.46 | $1.52 | 6.2x | -35% |
| FY2020 Q2 | - | $10.70 | $1.23 | 8.7x | -10% |
| FY2020 Q1 | - | $12.52 | $1.18 | 10.6x | +10% |
| FY2019 Q4 | - | $14.89 | $1.21 | 12.3x | +28% |
| FY2019 Q3 | Sep 30 2019 | $13.62 | $1.10 | 12.4x | +29% |
| FY2019 Q2 | Jun 30 2019 | $12.30 | $1.04 | 11.8x | +23% |
| FY2019 Q1 | Mar 31 2019 | $11.62 | $0.99 | 11.7x | +22% |
| FY2018 Q4 | Dec 31 2018 | $11.41 | $0.70 | 16.3x | +69% |
Average P/E for displayed period: 9.6x
CBNK Chart Terminal
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Intrinsic Valuation
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Historical Returns
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Peer Comparison
Compare growth, multiples, and margins vs sector.
CBNK — Frequently Asked Questions
Quick answers to the most common questions about buying CBNK stock.
What is CBNK's P/E ratio?
Capital Bancorp, Inc. (CBNK) trailing twelve-month P/E ratio is 12.8x, based on TTM diluted EPS of $3.30. The 5-year average P/E is 9.3x and the historical range spans 5.8x to 13.4x.
Is CBNK stock overvalued or undervalued?
CBNK trades at 12.8x P/E, above its 5-year average of 9.3x. The 95th percentile ranking within the 5.8x–13.4x historical range indicates a premium to historical valuation.
Is CBNK stock expensive?
Yes, CBNK is expensive relative to its own history. The current P/E of 12.8x is above the 5-year average of 9.3x and also above the Financial Services sector median of 12.1x. The stock sits at the 95th percentile of its 5-year valuation range.
What is CBNK's historical P/E range?
Over the past 5 years, CBNK's P/E ratio has ranged from 5.8x to 13.4x, with a median of 9.0x and an average of 9.3x. The current P/E of 12.8x places the stock at the 95th percentile of this range. Full historical data spans 2018–2026.
How does CBNK's P/E compare to the S&P 500?
CBNK trades at 12.8x P/E versus the S&P 500 median of 21.8x. The 41% discount to the market suggests lower growth expectations or perceived higher risk.
How does CBNK's valuation compare to Financial Services peers?
Capital Bancorp, Inc. P/E of 12.8x compares to the Financial Services sector median of 12.1x. The premium reflects expected growth above peers or stronger fundamentals. See the peer comparison table on this page for ticker-by-ticker P/E and PEG.
What is CBNK's PEG ratio?
CBNK PEG ratio is 1.01, based on a P/E of 12.8x and EPS growth of 60.4%. A PEG between 1 and 2 suggests valuation aligns with growth expectations — typically considered fair.
What is CBNK's earnings yield?
CBNK earnings yield is 7.79%, the inverse of its 12.8x P/E ratio. Earnings yield represents the percentage of each dollar invested that the company earns. It can be compared directly to bond yields to assess relative attractiveness of stocks versus fixed income.