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Capital Bancorp
(NASDAQ:CBNK)
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Rating:75Outperform
Price Target:
$43.00
▲(18.42% Upside)
Action:Reiterated
Date:08/08/26
CBNK earns a strong mid-70s score driven primarily by solid financial health (healthy profitability, conservative leverage, and robust cash generation) and supportive technical momentum (price above major moving averages with positive MACD). Valuation is reasonable (P/E ~10.9) with a modest dividend yield, while recent corporate events—especially the dividend hike and governance reforms—add incremental positives. The main constraint on the score is the recent TTM revenue decline and step-down in operating profitability versus 2025.
Positive Factors
Conservative balance sheet
Sustained low leverage and a multi-year rise in shareholders' equity provide durable capital buffers. That conservative balance-sheet posture supports lending capacity, loss absorption, and shareholder distributions without forcing rapid asset sales or dilutive capital raises over the next several months.
Negative Factors
Recent revenue decline
A pullback in top-line growth weakens operating leverage and constrains expansion of net interest income and fee revenue. If revenue remains soft, the bank may face pressure to extract more cost efficiencies or slow balance-sheet growth, affecting earnings trajectory over the medium term.
Read all positive and negative factors
Positive Factors
Negative Factors
Conservative balance sheet
Sustained low leverage and a multi-year rise in shareholders' equity provide durable capital buffers. That conservative balance-sheet posture supports lending capacity, loss absorption, and shareholder distributions without forcing rapid asset sales or dilutive capital raises over the next several months.
Read all positive factors
Capital Bancorp (CBNK) vs. SPDR S&P 500 ETF (SPY)
Market Cap
$608.03M
Dividend Yield1.29%
Average Volume (3M)49.53K
Price to Earnings (P/E)10.9
Beta (1Y)0.79
Revenue Growth11.76%
EPS Growth26.80%
CountryUS
Employees459
SectorFinancial
Sector Strength70
IndustryBanks - Regional
Share Statistics
EPS (TTM)3.43
Shares Outstanding16,288,055
10 Day Avg. Volume51,458
30 Day Avg. Volume49,530
Financial Highlights & Ratios
PEG Ratio0.13
Price to Book (P/B)1.16
Price to Sales (P/S)1.53
P/FCF Ratio6.90
Enterprise Value/Market Cap<0.01
Enterprise Value/Revenue<0.01
Enterprise Value/Gross Profit<0.01
Enterprise Value/Ebitda<0.01
Forecast
1Y Price Target
$40.00Price Target Upside10.16% Upside
Rating ConsensusHold
Number of Analyst Covering1
EPS Forecast (FY)3.43
Revenue Forecast (FY)$268.61M
Capital Bancorp Business Overview & Revenue Model
Company Description
As the holding company for Capital Bank, N.A., Capital Bancorp, Inc. delivers a diverse suite of financial and banking services across the United States. Its clientele encompasses businesses, non-profit entities, and entrepreneurs. The company org...
How the Company Makes Money
Capital Bancorp primarily earns money through traditional banking activities conducted by its bank subsidiary. The largest revenue driver for most banks—net interest income—comes from interest earned on loans and other interest-earning assets (suc...
Capital Bancorp Financial Statement Overview
Summary
Income Statement
72
Positive
Balance Sheet
78
Positive
Cash Flow
70
Positive
| Breakdown | TTM | Dec 2025 | Dec 2024 | Dec 2023 | Dec 2022 | Dec 2021 |
|---|---|---|---|---|---|---|
Income Statement | ||||||
| Total Revenue | 292.72M | 303.63M | 242.28M | 206.55M | 180.02M | 173.88M |
| Gross Profit | 215.07M | 223.57M | 165.62M | 155.36M | 163.35M | 163.97M |
| EBITDA | 49.04M | 73.57M | 44.05M | 46.70M | 55.67M | 55.08M |
| Net Income | 56.37M | 57.17M | 30.97M | 35.87M | 41.80M | 39.98M |
Balance Sheet | ||||||
| Total Assets | 3.89B | 3.61B | 3.21B | 2.23B | 2.12B | 2.06B |
| Cash, Cash Equivalents and Short-Term Investments | 244.72M | 260.98M | 307.96M | 138.17M | 312.21M | 364.19M |
| Total Debt | 52.06M | 52.06M | 34.06M | 49.06M | 129.06M | 34.06M |
| Total Liabilities | 3.47B | 3.20B | 2.85B | 1.97B | 1.90B | 1.86B |
| Stockholders Equity | 422.20M | 401.98M | 355.14M | 254.86M | 224.01M | 197.90M |
Cash Flow | ||||||
| Free Cash Flow | 66.43M | 67.35M | 32.77M | 45.26M | 49.84M | 132.05M |
| Operating Cash Flow | 68.10M | 69.72M | 34.93M | 47.42M | 51.39M | 132.08M |
| Investing Cash Flow | -354.67M | -350.88M | -269.95M | -130.84M | -198.46M | -238.23M |
| Financing Cash Flow | 159.13M | 331.39M | 386.39M | 56.97M | 44.09M | 142.64M |
Capital Bancorp Risk Analysis
Capital Bancorp disclosed 41 risk factors in its most recent earnings report. Capital Bancorp reported the most risks in the "Finance & Corporate" category.
Finance & Corporate - Financial and accounting risks. Risks related to the execution of corporate activity and strategy
Latest Risks Added 0 New Risks
Capital Bancorp Peers Comparison
UnderperformOutperform
Sector (68)
Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
75 Outperform | $608.03M | 10.88 | 13.85% | 1.33% | 11.76% | 26.80% | |
75 Outperform | $939.15M | 11.01 | 9.53% | 4.48% | 16.77% | 9.62% | |
74 Outperform | $685.11M | 11.45 | 10.44% | ― | -2.10% | 110.42% | |
72 Outperform | $727.40M | 18.58 | 12.56% | ― | 16.80% | 24.02% | |
69 Neutral | $817.01M | 10.14 | 13.09% | 3.10% | 46.45% | ― | |
68 Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% |
* Financial Sector Average
CBNK
Capital Bancorp
37.78
6.74
21.71%
FMNB
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15.69
2.76
21.33%
FISI
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41.65
17.75
74.26%
BCAL
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21.25
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41.88%
TCBX
Third Coast Bancshares
44.31
8.09
22.34%
Capital Bancorp Corporate Events
DividendsFinancial Disclosures
Capital Bancorp Reports Strong Q2 Results and Dividend Hike
Positive
Jul 27, 2026
On July 24, 2026, Capital Bancorp’s board declared a quarterly dividend of $0.14 per share, a 16.7% increase over the prior payout, to be distributed on August 26, 2026 to shareholders of record as of August 10, 2026. In its July 27, 2026 se...
Business Operations and StrategyShareholder Meetings
Capital Bancorp Plans Governance Reforms, Ending Classified Board
Positive
Jun 17, 2026
On June 17, 2026, Capital Bancorp, Inc.’s Board of Directors, acting on a recommendation from its Nominating and Corporate Governance Committee, unanimously agreed to seek stockholder approval to eliminate the company’s classified boar...
Executive/Board ChangesShareholder Meetings
Capital Bancorp Shareholders Back Directors, Pay and Auditor
Positive
Jun 1, 2026
At its May 28, 2026 annual meeting of stockholders, Capital Bancorp, Inc. reported that holders of 13,674,863 of 16,309,270 eligible shares were represented, and elected four Class III directors — Jerome R. Bailey, Marc McConnell, Steven J. ...
Glossary
BuyA stock rated as a "Buy" is expected to perform better than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock is likely to deliver higher returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
HoldA stock rated as a "Hold" is expected to perform in line with the overall market or a specific benchmark. This rating indicates that the stock is neither particularly compelling nor unfavorable for investment. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
SellA stock rated as a "Sell" is expected to perform worse than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock may deliver lower returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
Disclaimer
This AI Analyst Stock Report is automatically generated by our AI systems using advanced algorithms and publicly available financial, technical, and market data. While the information provided aims to be accurate and insightful, it is intended for informational purposes only and should not be considered financial advice. Any content created by an AI (Artificial Intelligence) system may contain inaccuracies and/or contain errors. Investing in stocks carries inherent risks, and past performance is not indicative of future results. This report does not account for your personal financial circumstances, objectives, or risk tolerance. Always conduct your own research or consult with a qualified financial advisor before making investment decisions. The analysis and recommendations provided are based on historical and current data and may not fully reflect future market conditions or unexpected developments. Neither the creators of this report nor its affiliated entities guarantee the accuracy, completeness, or reliability of the information presented. Use this report at your own discretion and risk.