Capital Bancorp Inc (CBNK)
NASDAQ:CBNK
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Capital Bancorp
(NASDAQ:CBNK)
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Rating:74Outperform
Price Target:
$35.00
▲(7.23% Upside)
Action:ReiteratedDate:04/28/26
The score is driven primarily by improving financial performance (stronger recent profitability and a more conservative balance sheet), tempered by volatile and recently weaker free cash flow. Valuation is attractive with a low P/E and a modest dividend yield, while technicals indicate a stable uptrend. Recent corporate actions (dividend and buyback) provide additional support.
Positive Factors
Conservative balance sheet and capital ratios
Capital Bancorp shows a de‑risked, conservative balance sheet: equity expanded and leverage declined versus 2022, and Q1 CET1 of 12.92% provides a durable capital cushion. That stronger capital base supports loan growth, loss absorption and capacity for strategic investment over the medium term.
Negative Factors
Volatile free cash flow generation
Although cash generation is broadly positive, free cash flow has swung materially year to year and plunged in 2025 versus 2024. That volatility reduces the predictability of internal funding for investments, buybacks or dividends and raises the risk that capital returns could be curtailed in adverse periods.
Read all positive and negative factors
Positive Factors
Negative Factors
Conservative balance sheet and capital ratios
Capital Bancorp shows a de‑risked, conservative balance sheet: equity expanded and leverage declined versus 2022, and Q1 CET1 of 12.92% provides a durable capital cushion. That stronger capital base supports loan growth, loss absorption and capacity for strategic investment over the medium term.
Read all positive factors
Capital Bancorp (CBNK) vs. SPDR S&P 500 ETF (SPY)
Market Cap
$515.54M
Dividend Yield1.53%
Average Volume (3M)49.53K
Price to Earnings (P/E)10.1
Beta (1Y)0.77
Revenue Growth22.25%
EPS Growth61.19%
CountryUS
Employees389
SectorFinancial
Sector Strength70
IndustryBanks - Regional
Share Statistics
EPS (TTM)3.45
Shares Outstanding16,309,270
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 Cap0.96
Enterprise Value/Revenue1.61
Enterprise Value/Gross Profit2.18
Enterprise Value/Ebitda6.28
Forecast
1Y Price Target
$34.00Price Target Upside4.17% Upside
Rating ConsensusHold
Number of Analyst Covering1
EPS Forecast (FY)3.4
Revenue Forecast (FY)$263.95M
Capital Bancorp Business Overview & Revenue Model
Company Description
Capital Bancorp, Inc. operates as the bank holding company for Capital Bank, N.A. that provides various banking products and services to businesses, not-for-profit associations, and entrepreneurs in the United States. It operates through Commercia...
How the Company Makes Money
Capital Bancorp primarily makes money through its banking operations. A key revenue stream is net interest income: the bank earns interest and fees on loans (such as commercial real estate, commercial and industrial, and consumer loans) and on its...
Capital Bancorp Financial Statement Overview
Summary
Income Statement
78
Positive
Balance Sheet
82
Very Positive
Cash Flow
56
Neutral
| Breakdown | Dec 2025 | Dec 2024 | Dec 2023 | Dec 2022 | Dec 2021 |
|---|---|---|---|---|---|
Income Statement | |||||
| Total Revenue | 303.63M | 242.28M | 206.55M | 180.02M | 173.88M |
| Gross Profit | 223.57M | 165.62M | 155.36M | 163.35M | 163.97M |
| EBITDA | 73.57M | 44.05M | 46.70M | 55.67M | 55.08M |
| Net Income | 57.17M | 30.97M | 35.87M | 41.80M | 39.98M |
Balance Sheet | |||||
| Total Assets | 3.61B | 3.21B | 2.23B | 2.12B | 2.06B |
| Cash, Cash Equivalents and Short-Term Investments | 260.98M | 307.96M | 138.17M | 312.21M | 364.19M |
| Total Debt | 52.06M | 34.06M | 49.06M | 129.06M | 34.06M |
| Total Liabilities | 3.20B | 2.85B | 1.97B | 1.90B | 1.86B |
| Stockholders Equity | 401.98M | 355.14M | 254.86M | 224.01M | 197.90M |
Cash Flow | |||||
| Free Cash Flow | 67.35M | 32.77M | 45.26M | 49.84M | 132.05M |
| Operating Cash Flow | 69.72M | 34.93M | 47.42M | 51.39M | 132.08M |
| Investing Cash Flow | -350.88M | -269.95M | -130.84M | -198.46M | -238.23M |
| Financing Cash Flow | 331.39M | 386.39M | 56.97M | 44.09M | 142.64M |
Capital Bancorp Technical Analysis
Positive
32.64
Price Trends
30.37
Positive
29.71
Positive
30.57
Positive
Market Momentum
0.68
Negative
72.89
Negative
89.46
Negative
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For CBNK, the sentiment is Positive. The current price of 32.64 is above the 20-day moving average (MA) of 30.53, above the 50-day MA of 30.37, and above the 200-day MA of 30.57, indicating a bullish trend. The MACD of 0.68 indicates Negative momentum. The RSI at 72.89 is Negative, neither overbought nor oversold. The STOCH value of 89.46 is Negative, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive sentiment for CBNK.
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 |
|---|---|---|---|---|---|---|---|
74 Outperform | $515.54M | 10.11 | 13.94% | 1.53% | 22.25% | 61.19% | |
74 Outperform | $628.84M | 1.97 | 21.72% | ― | 12.81% | 35.69% | |
72 Outperform | $842.98M | 9.08 | 10.62% | 4.95% | 7.00% | 12.59% | |
72 Outperform | $695.91M | 7.42 | 12.72% | 3.89% | 41.30% | ― | |
68 Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% | |
65 Neutral | $612.50M | 10.50 | 10.59% | ― | 12.65% | 305.40% |
* Financial Sector Average
CBNK
Capital Bancorp
31.61
0.37
1.18%
FMNB
Farmers National Banc Oh
14.21
1.64
13.06%
FISI
Financial Institutions
35.35
10.70
43.40%
BCAL
California BanCorp
19.05
4.71
32.83%
TCBX
Third Coast Bancshares
37.90
8.15
27.39%
Capital Bancorp Corporate Events
Business Operations and StrategyDividendsFinancial Disclosures
Capital Bancorp Grows Loans, Declares Quarterly Cash Dividend
Positive
Apr 27, 2026
On April 24, 2026, Capital Bancorp’s board declared a quarterly cash dividend of $0.12 per share, payable on May 27, 2026 to shareholders of record as of May 11, 2026. In its April 27, 2026 release, the bank reported continued balance sheet ...
Business Operations and StrategyStock Buyback
Capital Bancorp Launches New $15 Million Share Repurchase
Positive
Mar 18, 2026
On March 16, 2026, Capital Bancorp, Inc. put into effect a new stock repurchase program authorizing the buyback of up to $15 million, or about 550,000 shares, of its common stock, representing roughly 3.4% of shares outstanding as of December 31, ...
Executive/Board Changes
Capital Bancorp Appoints Poynot CEO Under New Agreement
Positive
Feb 10, 2026
On February 6, 2026, Capital Bancorp, Inc. and its subsidiary Capital Bank, N.A. entered into a new employment agreement with Steven M. Poynot as President and Chief Executive Officer of the Bank and Chief Operating Officer of the Company, replaci...
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.