Symbols / CBNK Stock $31.25 +2.06% Capital Bancorp, Inc.

Financial Services • Banks - Regional • United States • NMS
CBNK (Stock) Chart
O: — H: — L: — C: — V: —
SMA 20: — SMA 50: — SMA 200: —
Stock Fundamentals
Scroll to Statements
Index EQUITY
Sector Financial Services
Industry Banks - Regional
CEO Mr. Edward F. Barry
Exch · Country NMS · United States
Market Cap 509.00M
Enterprise Value 163.21M
Income 55.26M
Sales 233.23M
FCF (ttm) —
Book/sh 25.10
Cash/sh 24.90
Employees 434
Insider 10d —
IPO Sep 26, 2018
Div forward ($/yr)
Div TTM ($/yr)
Dividend Yield
Ex-Div Date
5Y Avg Yield
Yield vs 5Y Avg
Payout 13.86%
P/E 9.41
Forward P/E 8.36
PEG —
P/S 2.18
P/B 1.24
P/C —
EV/EBITDA —
EV/Sales 0.70
Quick Ratio —
Current Ratio —
Debt/Eq —
LT Debt/Eq —
EPS (ttm) 3.32
EPS next Y 3.74
EPS Growth -11.00%
Revenue Growth 5.70%
EPS Gr Q/Q -13.70%
Rev Gr Q/Q —
Earnings (next) 2026-07-27
Earnings (prior) 2026-04-27
ROA 1.54%
ROE 14.20%
ROIC —
Gross Margin 0.00%
Oper. Margin 26.65%
Profit Margin 23.69%
Shs Outstand 16.29M
Shs Float 10.69M
Insider Own 32.38%
Instit Own 45.83%
Short Float 5.64%
Short Ratio 7.88
Short Interest 613.93K
52W High 36.40
vs 52W High -14.15%
52W Low 26.40
vs 52W Low 18.37%
Beta 0.55
Impl. Vol. 6.76%
Rel Volume 1.45
Avg Volume 66.26K
Volume 96.13K
Target (mean) $35.25
Tgt Median $35.00
Tgt Low $34.00
Tgt High $37.00
# Analysts 4
Recom None
Prev Close $30.62
Price $31.25
Change 2.06%
About

Capital Bancorp, Inc. operates as the bank holding company for Capital Bank, N.A., provides various banking products and services to businesses, not-for-profit associations, and entrepreneurs in the United States. It operates through four divisions: Commercial Banking, Capital Bank Home Loans, OpenSky, Windsor Advantage. The company offers a range of deposit products, including checking and savings, time, interest bearing and noninterest-bearing demand, and money market accounts, as well as certificates of deposit; and secured, partially secured, and unsecured credit cards. It also originates residential mortgages; issues trust preferred securities; and provides residential and commercial real estate, construction, and commercial and industrial loans; servicing, processing, and packaging of Small Business Administration and U.S. Department of Agriculture loans; as well as other consumer loans, such as term loans, car loans, and boat loans to small to medium-sized businesses, professionals, real estate investors, small residential builders and individuals, and financial institution clients, including Capital Bank. Capital Bancorp, Inc. was founded in 1974 and is headquartered in Rockville, Maryland.

Valuation Models

Price estimates from analyst targets and simple models.

1. Analyst consensus
$35.25
Mean price target
2. Current target
$31.25
Latest analyst target
3. DCF / Fair value
$49.80
Fallback: EPS × 15 (assumed fair P/E). No FCF data; use with …
Ratings
Current target
$31.25
Low
$34.00
High
$37.00
Mean
$35.25

Latest analyst rating changes

Date Action Analyst Rating Change Price Target
2026-04-29 main Keefe, Bruyette & Woods Market Perform → Market Perform $34
2026-02-02 main Keefe, Bruyette & Woods Market Perform → Market Perform $32
2025-11-10 main Keefe, Bruyette & Woods Market Perform → Market Perform $31
2025-10-30 main Stephens & Co. Overweight → Overweight $37
2025-05-12 main Keefe, Bruyette & Woods Market Perform → Market Perform $35
2025-02-07 main Keefe, Bruyette & Woods Market Perform → Market Perform $35
2024-12-04 main Keefe, Bruyette & Woods Market Perform → Market Perform $32
2024-07-23 main Keefe, Bruyette & Woods Market Perform → Market Perform $27
2024-04-01 main Keefe, Bruyette & Woods Market Perform → Market Perform $25
2023-10-25 main Piper Sandler Overweight → Overweight $25
2023-07-31 main Piper Sandler Overweight → Overweight $23
2023-04-06 main Keefe, Bruyette & Woods — → Market Perform $18
2023-02-02 main Keefe, Bruyette & Woods — → Market Perform $23
2022-12-13 down Keefe, Bruyette & Woods Outperform → Market Perform $16
2022-09-15 init Janney Montgomery Scott — → Buy —
2020-10-28 up Piper Sandler Neutral → Overweight $12
2020-09-30 main Piper Sandler — → Neutral $11
2020-07-24 main Piper Sandler — → Neutral $12
2018-10-22 init Stephens & Co. — → Overweight $14
2013-09-05 init Sterne Agee — → Neutral —
Insider Transactions
Filed Date Insider Relationship Transaction Shares Price Value SEC
2026-04-02 CAPLAN MARK Director — 1,017 $23.54 $25,232
2026-03-18 LINDAREV ANGUEL Chief Technology Officer — 584 — —
2026-03-13 BARRY EDWARD F Chief Executive Officer — 4,033 — —
2026-03-10 MCCONNELL MARC H Director — 4,687 $16.09 $80,922
2026-03-03 YAMADA KATHLEEN T. Officer — 135 — —
2026-03-03 BAILEY JEROME RONNELL Director — 1,081 — —
2026-03-03 LEWIS FRED JOSEPH Director — 1,081 — —
2026-03-03 KAYE JEFFREY Officer — 208 — —
2026-03-03 DALAYA JACOB Chief Financial Officer — 233 — —
2026-03-03 LINDAREV ANGUEL Chief Technology Officer — 166 — —
Financials
Statement View
Amounts in millions (2 decimals, no suffix) • EPS per share (2 decimals) • Trend = period evolution • YoY Growth = previous period %
Line Item Trend 2025-12-31 2024-12-31 2023-12-31 2022-12-31
Total Revenue
241.19
+31.28%
183.72
+11.44%
164.87
-2.03%
168.28
Operating Revenue
241.19
+31.28%
183.72
+11.44%
164.87
-2.03%
168.28
Selling General And Administration
78.43
+25.70%
62.40
+13.62%
54.91
+11.80%
49.12
Selling And Marketing Expense
6.26
-1.53%
6.36
+3.21%
6.16
-0.95%
6.22
General And Administrative Expense
72.17
+28.79%
56.04
+14.94%
48.75
+13.65%
42.90
Salaries And Wages
72.17
+28.79%
56.04
+14.94%
48.75
+13.65%
42.90
Other Gand A
—
—
—
—
Reconciled Depreciation
3.87
+74.89%
2.21
+368.08%
0.47
-66.97%
1.43
Total Unusual Items
-3.36
+14.48%
-3.93
0.00
—
Total Unusual Items Excluding Goodwill
-3.36
+14.48%
-3.93
0.00
—
Special Income Charges
-3.36
+14.48%
-3.93
0.00
—
Restructuring And Mergern Acquisition
3.36
-14.48%
3.93
0.00
—
Net Income
57.17
+84.59%
30.97
-13.66%
35.87
-14.19%
41.80
Pretax Income
74.94
+79.15%
41.83
-9.50%
46.23
-14.77%
54.23
Net Interest Income
195.99
+26.65%
154.75
+9.34%
141.53
+0.65%
140.61
Interest Expense
64.88
+10.80%
58.55
+40.49%
41.68
+315.18%
10.04
Interest Income
260.87
+22.30%
213.30
+16.43%
183.21
+21.61%
150.65
Gain On Sale Of Security
0.00
+100.00%
-2.62
0.00
0.00
Tax Provision
17.77
+63.66%
10.86
+4.89%
10.35
-16.70%
12.43
Tax Rate For Calcs
0.00
-8.63%
0.00
+15.89%
0.00
-2.40%
0.00
Tax Effect Of Unusual Items
-0.80
+21.86%
-1.02
0.00
0.00
Net Income Including Noncontrolling Interests
57.17
+84.59%
30.97
-13.66%
35.87
-14.19%
41.80
Net Income From Continuing Operation Net Minority Interest
57.17
+84.59%
30.97
-13.66%
35.87
-14.19%
41.80
Net Income From Continuing And Discontinued Operation
57.17
+84.59%
30.97
-13.66%
35.87
-14.19%
41.80
Net Income Continuous Operations
57.17
+84.59%
30.97
-13.66%
35.87
-14.19%
41.80
Normalized Income
59.73
+76.30%
33.88
-5.55%
35.87
-14.19%
41.80
Net Income Common Stockholders
57.17
+84.59%
30.97
-13.66%
35.87
-14.19%
41.80
Diluted EPS
3.41
+61.61%
2.11
-17.25%
2.55
-12.37%
2.91
Basic EPS
3.45
+62.74%
2.12
-17.19%
2.56
-14.09%
2.98
Basic Average Shares
16.58
+13.70%
14.58
+4.15%
14.00
-0.16%
14.03
Diluted Average Shares
16.77
+14.38%
14.66
+4.11%
14.08
-1.96%
14.36
Diluted NI Availto Com Stockholders
57.17
+84.59%
30.97
-13.66%
35.87
-14.19%
41.80
Occupancy And Equipment
11.39
+38.19%
8.24
+45.32%
5.67
+16.61%
4.87
Other Non Interest Expense
46.95
+13.48%
41.37
+5.34%
39.28
-7.41%
42.42
Professional Expense And Contract Services Expense
10.96
+39.68%
7.85
-15.36%
9.27
-15.82%
11.01
Line Item Trend 2023-12-31
Total Assets
2,226.18
Cash And Cash Equivalents
53.56
Cash Financial
14.51
Other Short Term Investments
84.61
Receivables
11.49
Accounts Receivable
11.49
Net PPE
5.07
Gross PPE
17.05
Accumulated Depreciation
-11.98
Land And Improvements
0.00
Buildings And Improvements
0.00
Machinery Furniture Equipment
7.44
Construction In Progress
0.03
Other Properties
6.86
Leases
2.71
Goodwill And Other Intangible Assets
0.00
Goodwill
0.00
Other Intangible Assets
—
Investments And Advances
208.33
Total Liabilities Net Minority Interest
1,971.32
Payables And Accrued Expenses
5.58
Payables
5.58
Accounts Payable
5.58
Current Debt And Capital Lease Obligation
—
Current Debt
—
Other Current Borrowings
—
Long Term Debt And Capital Lease Obligation
49.06
Long Term Debt
49.06
Stockholders Equity
254.86
Common Stock Equity
254.86
Capital Stock
0.14
Common Stock
0.14
Share Issued
13.92
Ordinary Shares Number
13.92
Treasury Shares Number
0.00
Additional Paid In Capital
54.47
Retained Earnings
213.34
Gains Losses Not Affecting Retained Earnings
-13.10
Other Equity Adjustments
-13.10
Total Equity Gross Minority Interest
254.86
Total Capitalization
303.92
Invested Capital
303.92
Total Debt
49.06
Net Debt
—
Net Tangible Assets
254.86
Tangible Book Value
254.86
Available For Sale Securities
123.72
Cash Cash Equivalents And Federal Funds Sold
58.32
Line Item Trend 2025-12-31 2024-12-31 2023-12-31 2022-12-31
Operating Cash Flow
69.72
+99.62%
34.93
-26.34%
47.42
-7.73%
51.39
Cash Flow From Continuing Operating Activities
69.72
+99.62%
34.93
-26.34%
47.42
-7.73%
51.39
Net Income From Continuing Operations
57.17
+84.59%
30.97
-13.66%
35.87
-14.19%
41.80
Depreciation Amortization Depletion
3.87
+74.89%
2.21
+368.08%
0.47
-66.97%
1.43
Depreciation
2.83
+44.77%
1.95
+312.68%
0.47
-66.97%
1.43
Amortization Cash Flow
1.05
+299.24%
0.26
0.00
—
Depreciation And Amortization
3.87
+74.89%
2.21
+368.08%
0.47
-66.97%
1.43
Amortization Of Intangibles
1.05
+299.24%
0.26
0.00
—
Other Non Cash Items
-8.65
+46.79%
-16.25
-1191.81%
-1.26
-116.70%
7.54
Pension And Employee Benefit Expense
2.11
+104.65%
1.03
+48.63%
0.69
-7.70%
0.75
Stock Based Compensation
1.61
-15.15%
1.90
+7.85%
1.76
+5.72%
1.66
Deferred Tax
1.10
+160.47%
-1.81
-1377.46%
0.14
-88.55%
1.24
Deferred Income Tax
1.10
+160.47%
-1.81
-1377.46%
0.14
-88.55%
1.24
Operating Gains Losses
2.05
+213.00%
-1.82
-356.14%
0.71
-8.63%
0.78
Gain Loss On Investment Securities
—
—
—
0.00
Gain Loss On Sale Of PPE
—
—
0.00
-100.00%
0.01
Change In Working Capital
-2.51
-258.15%
1.59
+639.07%
0.21
+102.11%
-10.19
Change In Receivables
-0.03
+95.93%
-0.76
+62.00%
-2.00
-26.26%
-1.59
Changes In Account Receivables
-0.03
+95.93%
-0.76
+62.00%
-2.00
-26.26%
-1.59
Change In Payables And Accrued Expense
-3.67
-162.33%
5.89
+24.52%
4.73
+1614.13%
0.28
Change In Payable
-3.67
-162.33%
5.89
+24.52%
4.73
+1614.13%
0.28
Change In Account Payable
-0.65
-125.58%
2.53
-44.35%
4.55
+715.77%
0.56
Change In Other Current Assets
-3.44
+77.85%
-15.52
-533.86%
-2.45
+44.14%
-4.38
Change In Other Current Liabilities
4.63
-61.37%
11.98
+19111.11%
-0.06
+98.60%
-4.49
Investing Cash Flow
-350.88
-29.98%
-269.95
-106.33%
-130.84
+34.07%
-198.46
Cash Flow From Continuing Investing Activities
-350.88
-29.98%
-269.95
-106.33%
-130.84
+34.07%
-198.46
Net PPE Purchase And Sale
-2.37
-10.06%
-2.16
-0.05%
-2.16
-39.10%
-1.55
Purchase Of PPE
-2.37
-10.06%
-2.16
-0.05%
-2.16
-39.10%
-1.55
Capital Expenditure
-2.37
-10.06%
-2.16
-0.05%
-2.16
-39.10%
-1.55
Net Investment Purchase And Sale
1.23
+110.10%
-12.19
-124.86%
49.03
+154.95%
-89.23
Purchase Of Investment
-54.88
+16.09%
-65.40
-839.60%
-6.96
+93.84%
-113.08
Sale Of Investment
56.11
+5.45%
53.21
-4.97%
55.99
+134.80%
23.85
Net Business Purchase And Sale
0.00
-100.00%
65.17
0.00
—
Net Other Investing Changes
-3.92
-3009.52%
-0.13
-104.19%
3.01
+180.07%
-3.76
Financing Cash Flow
331.39
-14.23%
386.39
+578.25%
56.97
+29.23%
44.09
Cash Flow From Continuing Financing Activities
331.39
-14.23%
386.39
+578.25%
56.97
+29.23%
44.09
Net Issuance Payments Of Debt
18.00
+220.00%
-15.00
+78.57%
-70.00
-182.35%
85.00
Issuance Of Debt
28.00
0.00
-100.00%
15.00
—
Repayment Of Debt
-10.00
+33.33%
-15.00
+82.35%
-85.00
—
Long Term Debt Issuance
28.00
0.00
-100.00%
15.00
—
Long Term Debt Payments
-10.00
+33.33%
-15.00
+82.35%
-85.00
—
Net Long Term Debt Issuance
18.00
+220.00%
-15.00
+78.57%
-70.00
-182.35%
85.00
Net Common Stock Issuance
-11.73
-738.53%
-1.40
+84.15%
-8.83
0.00
Common Stock Payments
-11.73
-738.53%
-1.40
+84.15%
-8.83
0.00
Common Stock Dividend Paid
-7.30
-38.31%
-5.28
-34.57%
-3.92
-27.07%
-3.08
Cash Dividends Paid
-7.30
-38.31%
-5.28
-34.57%
-3.92
-27.07%
-3.08
Repurchase Of Capital Stock
-11.73
-738.53%
-1.40
+84.15%
-8.83
0.00
Proceeds From Stock Option Exercised
1.16
+7.52%
1.08
-39.87%
1.79
+45.02%
1.24
Changes In Cash
50.23
-66.81%
151.37
+672.26%
-26.45
+74.31%
-102.98
Beginning Cash Position
205.33
+280.50%
53.96
-32.89%
80.42
-56.15%
183.40
End Cash Position
255.56
+24.46%
205.33
+280.50%
53.96
-32.89%
80.42
Free Cash Flow
67.35
+105.52%
32.77
-27.60%
45.26
-9.19%
49.84
Interest Paid Supplemental Data
65.53
+19.69%
54.74
+47.45%
37.13
+291.60%
9.48
Income Tax Paid Supplemental Data
18.75
+106.12%
9.10
+18.09%
7.70
-34.32%
11.73
Amortization Of Securities
-0.15
-250.00%
0.10
-46.81%
0.19
-65.19%
0.54
Change In Income Tax Payable
-3.02
-190.05%
3.36
+1775.98%
0.18
+163.48%
-0.28
Change In Tax Payable
-3.02
-190.05%
3.36
+1775.98%
0.18
+163.48%
-0.28
Sale Of Business
0.00
-100.00%
65.17
0.00
—
SEC Filings

Recent 10-K, 10-Q, 8-K, and Form 4 (insider) filings.

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