Capital Bancorp Inc (CBNK)
NASDAQ:CBNK
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Capital Bancorp
(NASDAQ:CBNK)
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Rating:70Outperform
Price Target:
$31.00
▲(5.77% Upside)
Action:ReiteratedDate:03/19/26
The score is primarily supported by solid financial performance (strong recent profitability and a more conservative balance sheet) and attractive valuation (low P/E), with added support from shareholder-friendly buyback activity. These positives are tempered by weak technical momentum and cash-flow volatility.
Positive Factors
Revenue & profit momentum
Sustained loan and deposit expansion with record 2025 results and a high NIM (5.94%) indicate durable core earnings power from lending and treasury activities. This supports scalable net interest income and provides a foundation for mid‑term organic growth and underwriting capacity.
Negative Factors
Volatile free cash flow
Marked FCF volatility and a sharp 2025 decline reduce the firm’s internal buffer for funding growth, capital returns, or absorbing credit losses. Limited and variable operating cash flow constrains predictable reinvestment and increases sensitivity to earnings swings over the medium term.
Read all positive and negative factors
Positive Factors
Negative Factors
Revenue & profit momentum
Sustained loan and deposit expansion with record 2025 results and a high NIM (5.94%) indicate durable core earnings power from lending and treasury activities. This supports scalable net interest income and provides a foundation for mid‑term organic growth and underwriting capacity.
Read all positive factors
Capital Bancorp (CBNK) vs. SPDR S&P 500 ETF (SPY)
Market Cap
$479.80M
Dividend Yield1.53%
Average Volume (3M)49.53K
Price to Earnings (P/E)8.1
Beta (1Y)0.75
Revenue Growth24.90%
EPS Growth28.06%
CountryUS
Employees389
SectorFinancial
Sector Strength70
IndustryBanks - Regional
Share Statistics
EPS (TTM)0.91
Shares Outstanding16,369,844
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 Cap1.05
Enterprise Value/Revenue1.66
Enterprise Value/Gross Profit2.26
Enterprise Value/Ebitda6.87
Forecast
1Y Price Target
$32.00Price Target Upside9.18% Upside
Rating ConsensusHold
Number of Analyst Covering1
EPS Forecast (FY)3.37
Revenue Forecast (FY)$261.64M
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 | 22.94M | 34.93M | 47.42M | 51.39M | 132.08M |
| Investing Cash Flow | 2.93M | -269.95M | -130.84M | -198.46M | -238.23M |
| Financing Cash Flow | -27.87M | 386.39M | 56.97M | 44.09M | 142.64M |
Capital Bancorp Technical Analysis
Positive
29.31
Price Trends
30.14
Negative
29.18
Positive
30.65
Negative
Market Momentum
-0.29
Negative
48.05
Neutral
62.44
Neutral
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 29.31 is above the 20-day moving average (MA) of 29.19, below the 50-day MA of 30.14, and below the 200-day MA of 30.65, indicating a neutral trend. The MACD of -0.29 indicates Negative momentum. The RSI at 48.05 is Neutral, neither overbought nor oversold. The STOCH value of 62.44 is Neutral, 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 |
|---|---|---|---|---|---|---|---|
71 Outperform | $621.18M | 7.91 | 13.12% | ― | 9.12% | 45.83% | |
70 Outperform | $479.80M | 8.13 | 14.72% | 1.53% | 24.90% | 28.06% | |
68 Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% | |
67 Neutral | $771.79M | 9.18 | 12.01% | 4.95% | 3.93% | 17.48% | |
66 Neutral | $613.18M | 8.37 | -4.98% | 3.89% | -28.00% | -174.60% | |
62 Neutral | $568.31M | 9.70 | 11.36% | ― | 61.29% | ― |
* Financial Sector Average
CBNK
Capital Bancorp
29.31
0.98
3.47%
FMNB
Farmers National Banc Oh
13.01
0.54
4.31%
FISI
Financial Institutions
31.23
6.76
27.63%
BCAL
California BanCorp
17.58
2.98
20.42%
TCBX
Third Coast Bancshares
37.68
3.57
10.47%
Capital Bancorp Corporate Events
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...
Business Operations and StrategyStock BuybackDividendsFinancial Disclosures
Capital Bancorp Reports Record Q4 2025 Earnings Growth
Positive
Jan 26, 2026
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 ear...
Business Operations and StrategyExecutive/Board Changes
Capital Bancorp Announces Executive Leadership Realignment and CEO Focus
Positive
Dec 31, 2025
On December 24, 2025, Capital Bancorp, Inc. and Capital Bank, N.A. approved a new employment agreement for Chief Executive Officer Edward F. Barry, effective January 1, 2026 through December 31, 2027, restructuring leadership responsibilities so B...
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.