Capital Bancorp Inc (CBNK)
NASDAQ:CBNK
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Capital Bancorp
(NASDAQ:CBNK)
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Rating:80Outperform
Price Target:
$38.00
▲(16.42% Upside)
Action:Reiterated
Date:06/18/26
CBNK scores well primarily on strong underlying financial quality (conservative leverage, attractive ROE, solid profitability and cash-backed earnings). Valuation is also supportive with a sub-10 P/E, while technicals show constructive momentum above key moving averages. The main restraint is softer recent growth/margins and uneven historical cash-flow growth, partially offset by positive governance and capital return actions.
Positive Factors
Conservative balance sheet & attractive ROE
Sustained low leverage and ~14% ROE indicate durable capital strength and capital efficiency. This conservative positioning improves resilience to credit cycles, supports continued lending capacity and cushions earnings volatility, enabling steady franchise operations over the medium term.
Negative Factors
Weakening revenue momentum
A shift from multi-year revenue expansion to negative TTM growth signals a potential structural slowdown in core banking volumes or fee income. If sustained, this constrains organic earnings growth and raises reliance on margin recovery or noninterest income to sustain profitability.
Read all positive and negative factors
Positive Factors
Negative Factors
Conservative balance sheet & attractive ROE
Sustained low leverage and ~14% ROE indicate durable capital strength and capital efficiency. This conservative positioning improves resilience to credit cycles, supports continued lending capacity and cushions earnings volatility, enabling steady franchise operations over the medium term.
Read all positive factors
Capital Bancorp (CBNK) vs. SPDR S&P 500 ETF (SPY)
Market Cap
$541.90M
Dividend Yield1.53%
Average Volume (3M)49.53K
Price to Earnings (P/E)9.8
Beta (1Y)0.75
Revenue Growth15.54%
EPS Growth33.70%
CountryUS
Employees389
SectorFinancial
Sector Strength70
IndustryBanks - Regional
Share Statistics
EPS (TTM)3.35
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 Cap1.07
Enterprise Value/Revenue1.94
Enterprise Value/Gross Profit2.64
Enterprise Value/Ebitda9.20
Forecast
1Y Price Target
$34.00Price Target Upside4.17% Upside
Rating ConsensusHold
Number of Analyst Covering1
EPS Forecast (FY)3.42
Revenue Forecast (FY)$268.15M
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 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
86
Very Positive
Cash Flow
74
Positive
| Breakdown | TTM | Dec 2025 | Dec 2024 | Dec 2023 | Dec 2022 | Dec 2021 |
|---|---|---|---|---|---|---|
Income Statement | ||||||
| Total Revenue | 299.47M | 303.63M | 242.28M | 206.55M | 180.02M | 173.88M |
| Gross Profit | 219.83M | 223.57M | 165.62M | 155.36M | 163.35M | 163.97M |
| EBITDA | 63.04M | 73.57M | 44.05M | 46.70M | 55.67M | 55.08M |
| Net Income | 55.26M | 57.17M | 30.97M | 35.87M | 41.80M | 39.98M |
Balance Sheet | ||||||
| Total Assets | 3.81B | 3.61B | 3.21B | 2.23B | 2.12B | 2.06B |
| Cash, Cash Equivalents and Short-Term Investments | 250.71M | 260.98M | 307.96M | 138.17M | 312.21M | 364.19M |
| Total Debt | 59.63M | 52.06M | 34.06M | 49.06M | 129.06M | 34.06M |
| Total Liabilities | 3.40B | 3.20B | 2.85B | 1.97B | 1.90B | 1.86B |
| Stockholders Equity | 408.86M | 401.98M | 355.14M | 254.86M | 224.01M | 197.90M |
Cash Flow | ||||||
| Free Cash Flow | 66.09M | 67.35M | 32.77M | 45.26M | 49.84M | 132.05M |
| Operating Cash Flow | 68.92M | 69.72M | 34.93M | 47.42M | 51.39M | 132.08M |
| Investing Cash Flow | -361.87M | -350.88M | -269.95M | -130.84M | -198.46M | -238.23M |
| Financing Cash Flow | 398.28M | 331.39M | 386.39M | 56.97M | 44.09M | 142.64M |
Capital Bancorp Technical Analysis
Positive
32.64
Price Trends
31.77
Positive
30.94
Positive
30.15
Positive
Market Momentum
0.60
Negative
59.72
Neutral
54.19
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 32.64 is above the 20-day moving average (MA) of 32.58, above the 50-day MA of 31.77, and above the 200-day MA of 30.15, indicating a bullish trend. The MACD of 0.60 indicates Negative momentum. The RSI at 59.72 is Neutral, neither overbought nor oversold. The STOCH value of 54.19 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 |
|---|---|---|---|---|---|---|---|
80 Outperform | $541.90M | 9.84 | 13.94% | 1.53% | 15.54% | 33.70% | |
78 Outperform | $634.93M | 10.75 | 10.59% | ― | 12.65% | 304.57% | |
76 Outperform | $735.48M | 9.29 | 12.72% | 3.89% | 41.30% | ― | |
72 Outperform | $837.30M | 11.08 | 10.62% | 4.95% | 7.00% | 12.93% | |
68 Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% | |
66 Neutral | $646.92M | 7.79 | 12.61% | ― | 12.81% | 35.69% |
* Financial Sector Average
CBNK
Capital Bancorp
33.27
2.30
7.42%
FMNB
Farmers National Banc Oh
14.14
1.88
15.29%
FISI
Financial Institutions
37.36
13.73
58.09%
BCAL
California BanCorp
19.74
5.37
37.36%
TCBX
Third Coast Bancshares
38.99
8.30
27.04%
Capital Bancorp Corporate Events
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. ...
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, ...
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.