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Capital Bancorp ( (CBNK) ) has issued an announcement.
On January 26, 2026, Capital Bancorp reported fourth-quarter 2025 GAAP net income of $15.0 million, or $0.91 per diluted share, essentially flat versus the prior quarter but up sharply from $7.5 million a year earlier, as record full-year 2025 earnings were driven by double-digit balance sheet growth and a robust 1.71% return on assets. For the quarter ended December 31, 2025, the bank posted strong loan growth of 19.3% on an annualized basis and 12.5% year over year, deposit growth of 24.6% annualized from the third quarter and 12.0% from the prior year, expanding tangible book value per share by 3.4% from the third quarter and 15.5% from fourth-quarter 2024, while maintaining an allowance for credit losses of 1.85% of total loans and generating a net interest margin of 5.94% despite lower purchase accounting accretion. Core profitability metrics improved, with core ROA at 1.71%, core ROE at 15.23% and core ROTCE at 17.23%, and the company underscored its capital return and balance-sheet management by declaring a $0.12 per share cash dividend payable February 28, 2026 and repurchasing 304,288 shares in the quarter at an average price of $28.12, signaling continued confidence in its strategy and positioning for profitable organic growth and future bolt-on acquisitions following completion of the IFH integration.
The most recent analyst rating on (CBNK) stock is a Buy with a $34.00 price target. To see the full list of analyst forecasts on Capital Bancorp stock, see the CBNK Stock Forecast page.
Spark’s Take on CBNK Stock
According to Spark, TipRanks’ AI Analyst, CBNK is a Outperform.
The score is driven primarily by strong underlying financial performance (profitability, low leverage, and improved free cash flow) and supportive valuation (low P/E). These positives are tempered by a weaker technical profile, with the stock trading below key moving averages and subdued momentum. Recent corporate events are broadly constructive and add modest support.
To see Spark’s full report on CBNK stock, click here.
More about Capital Bancorp
Capital Bancorp, Inc., headquartered in Rockville, Maryland, is the holding company for Capital Bank, N.A., a commercial bank that generates revenue primarily through net interest income and fee-based services. The company focuses on diversified banking operations, including commercial lending and deposit gathering, and has pursued growth through both organic expansion and acquisitions, such as the recently integrated IFH transaction, while also investing in technology, human capital and opportunistic share repurchases to support its organic and acquisition-driven growth strategy.
Average Trading Volume: 48,255
Technical Sentiment Signal: Buy
Current Market Cap: $485.1M
For detailed information about CBNK stock, go to TipRanks’ Stock Analysis page.