Capital Bancorp Inc
Capital Bancorp Inc operates as a commercial bank within the Banking & Investment Services sector, generating revenue through interest income and fee-based services such as credit card offerings.
Business. Capital Bancorp Inc (CBNK) is a commercial bank headquartered in the United States, operating within the Banking Services industry group. The company generates revenue primarily through interest income, consistent with standard commercial banking activities. It is listed on the Nasdaq stock exchange under the ticker symbol CBNK. Specific details regarding operating segments or geographic concentrations are not provided.
Analyst recommendations
4 analysts · consensus BuyAt a glance
What drives this business
The watch-list the newsroom runs for this company — derived from its sector path, sharpened layer by layer. Not investment advice.
News & coverage
0Sector rotation
Developing storylines
Analysis
AI analysisOpportunity
Upcoming catalysts
Scheduled public events. Informational only — not investment advice.
- Peers
- DividendDividend USD 1.75/sh2026-09-25 · Bank of America (BAC)
- EarningsQ3 2026 earnings (expected)2026-10-13 · estimated · JPMorgan Chase (JPM)
- EarningsQ3 2026 earnings (expected)2026-10-13 · estimated · Citigroup (C)
- Macro
- Rate decisionBank of England rate decision (press conf.)2026-08-06 · GB
- Rate decisionReserve Bank of Australia rate decision (press conf.)2026-08-12 · AU
- Rate decisionNorges Bank rate decision (press conf.)2026-08-20 · NO
- Rate decisionSveriges Riksbank rate decision (press conf.)2026-09-03 · SE
- Rate decisionBank of Canada rate decision (press conf.)2026-09-09 · CA
- Rate decisionEuropean Central Bank rate decision (press conf.)2026-09-10 · EU
- Macro & political
- ElectionSE Swedish Election2026-09-14 · SE
- ElectionUS U.S. Midterms2026-11-03 · US
- ElectionFR French Legislative2027-06-01 · FR
Pre-earnings brief
Signals & dispatch
Composite-score breakdown
Synthesis
Capital Bancorp Inc (CBNK) is a commercial bank headquartered in the United States, operating within the Banking Services industry group. The company generates revenue primarily through interest income, consistent with standard commercial banking activities. It is listed on the Nasdaq stock exchange under the ticker symbol CBNK. Specific details regarding operating segments or geographic concentrations are not provided.
Capital Bancorp maintains a capital structure defined by total assets of $3.81 billion and total equity of $408.9 million, resulting in a debt-to-equity ratio of 0.0. The company trades at a price-to-book multiple of 1.61 and a price-to-earnings ratio of 49.43, reflecting a market capitalization of $594.0 million. Operating cash flow stands at $21.8 million for the latest period, while liquidity risk remains unassessed due to insufficient balance-sheet inputs for detailed ratio analysis.
Profitability metrics indicate a return on equity of 2.94% and a return on assets of 0.32% for the quarter. Net income for the period was $12.0 million, derived from basic shares outstanding of 16.3 million and diluted shares of 16.4 million. Without cohort median data provided in the input, direct comparative analysis against sector peers is omitted, though the high P/E multiple suggests elevated earnings expectations relative to current book value.
- Capital Bancorp trades at a premium P/E of 49.43x, implying high growth expectations despite a modest ROE of 2.94%.
- Medium dilution risk is flagged due to potential capital raising needs and offering risks disclosed in filings.
- Operational risks are significant, including cyber security, third-party vendor dependence, and AI integration challenges.
- Analyst consensus is a Buy (2.00) with a mean price target of $36.25, closely aligned with the current market price of $36.13.
- Upcoming accounting standard adoptions (ASU 2025-06/09) may impact future financial reporting and hedge accounting practices.
Bull / Bear case
Generated · model-assistedCapital Bancorp trades at a 1.61 price-to-book multiple, indicating the market values its equity above tangible book value.
The company maintains a zero debt-to-equity ratio, ranking above the 75th percentile within its banking peer cohort.
Total assets grew at a 20% compound annual growth rate over the last five years, demonstrating balance sheet expansion.
Equity expanded with an 18% compound annual growth rate over the past five years, supporting capital base growth.
Cash conversion metrics rank above the median for the banking cohort, suggesting relatively efficient cash generation capabilities.
Return on assets of 0.32% indicates extremely poor asset utilization efficiency compared to industry standards for banks.
Total assets contracted by 11.1% year-over-year in FY2025, reflecting a shrinking balance sheet and potential business decline.
In focus — financials by report
Operating income -$2.8M.
- ▍Operating income -$2.8M
Operating income -$1.8M.
- ▍Operating income -$1.8M
Operating income -$3.7M.
- ▍Operating income -$3.7M
Operating income -$4.6M.
- ▍Operating income -$4.6M
Operating income -$4.6M.
- ▍Operating income -$4.6M
Valuation FY
Revenue by segment
Business relationships
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Peer comparison
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Stress test
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Options
Short squeeze
Earnings-call key lines
Consensus distribution
sell-side coverageEstimate revisions
consensus EPS · 26-week trendSell-side observations
Themes
ESG
Risk factors
- Source documents mention dilution or offering risk.
Benchmarks vs cohort
Corporate actions / M&A
FX exposure
Comparable transactions
Derivatives & instruments
Actions
Ask Handelsavisen
- Market data
- Regulatory filings
- Issuer disclosures
- Public news
- Earnings transcripts
- Consensus estimates
- ESG data
- Reference data
- Price To Tangible Bookmarket_price / (tangible_book_value / shares_outstanding_diluted)
- Price To Bookmarket_price / (adjusted_book_value / shares_outstanding_diluted)
- Return On Equitynet_income / total_equity
- Market Priceinput from market-data provider (delayed close or quote-shim mid)
- Debt To Equity(short_term_debt + long_term_debt) / total_equity
- Market Capmarket_price * shares_outstanding_diluted
- Capital Bancorp Inc company facts · 2026-07-27
- Capital Bancorp Inc 10-Q 2026-05-08 · 2026-07-27
- Capital Bancorp Inc 10-K 2026-03-16 · 2026-07-27
- Capital Bancorp Inc 10-Q 2025-11-10 · 2026-07-27
- Capital Bancorp Inc 10-Q 2025-08-08 · 2026-07-27
- allocator_boost (allocator) on CBNK · 2026-07-27
- Capital Bancorp Inc Market data — analyst estimates · 2026-07-27
- Capital Bancorp Inc Market data — ESG · 2026-07-27
Ownership & reference
Insider activity
Short positioning
Geographic breakdown
Intel & risk
Evidence & claims
From filings & derived data- Total assets (YoY) (2025-12-31 vs 2024-12-31): 12.5%Derived (calculated)
- Shareholders' equity (YoY) (2025-12-31 vs 2024-12-31): 13.1%Derived (calculated)
- Total liabilities (YoY) (2025-12-31 vs 2024-12-31): 12.4%Derived (calculated)
- Return on equity (FY 2025-12-31): 14.2%Derived (calculated)
- Return on assets (FY 2025-12-31): 1.6%Derived (calculated)
- Debt-to-equity (FY 2025-12-31): 7.98xDerived (calculated)
- EPS (basic) (YoY) (2025-12-31 vs 2024-12-31): 62.7%Derived (calculated)
- EPS (diluted) (YoY) (2025-12-31 vs 2024-12-31): 60.8%Derived (calculated)
- Net income (YoY) (2025-12-31 vs 2024-12-31): 84.6%Derived (calculated)
- Operating cash flow (YoY) (2025-12-31 vs 2024-12-31): 99.6%Derived (calculated)
- EPS (basic) (annual): USD-PER-SHARES 3SEC XBRL filing
- Shares outstanding (annual): 16.37MSEC XBRL filing
- Shareholders' equity (annual): USD 401.76MSEC XBRL filing
- Pre-tax income (annual): USD 74.94MSEC XBRL filing
- Net income (annual): USD 57.17MSEC XBRL filing
- Total assets (annual): USD 3.61BSEC XBRL filing
- Total liabilities (annual): USD 3.2BSEC XBRL filing
- Operating cash flow (annual): USD 69.72MSEC XBRL filing
- EPS (diluted) (annual): USD-PER-SHARES 3SEC XBRL filing
- Return on equity (FY 2024-12-31): 8.7%Derived (calculated)
- EPS (basic) (YoY) (2024-12-31 vs 2023-12-31): -17.2%Derived (calculated)
- Operating cash flow (YoY) (2024-12-31 vs 2023-12-31): -26.3%Derived (calculated)
- Total assets (YoY) (2024-12-31 vs 2023-12-31): 44.1%Derived (calculated)
- Total liabilities (YoY) (2024-12-31 vs 2023-12-31): 44.7%Derived (calculated)