Capital Bancorp, Inc. (CBNK) is a publicly traded company in the Financial Services — Banks - Regional industry listed on NASDAQ. This overview shows the latest price, key valuation ratios, profitability metrics and financial-health indicators used by fundamental investors.
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 organizes its operations across three primary segments: Commercial Banking, Capital Bank Home Loans, and OpenSky.
Analysis Summary
Capital Bancorp, Inc. reported revenue of $303.6M in the most recent fiscal year, growing at a 5-year CAGR of 15.6%. Net income reached $57.2M, with a 17.2% 5-year CAGR.
Trailing-twelve-month margins: gross margin 73.5%, operating margin 15.8%, net margin 19.3%. Free cash flow grew at 67.0% CAGR over 5 years.
At the current price of $36.08, CBNK trades at a P/E of 10.59 and an ROE of 13.85%. Market capitalisation stands at $588M.
Balance sheet quality for CBNK: current ratio of 0.1, net cash position of $208.9M. A debt-to-equity below 1.0 typically signals conservative capital structure, while a current ratio above 1.5 indicates comfortable short-term liquidity.
Cash flow quality is strong: free cash flow of $67.3M represents 118% conversion of reported net income. High conversion (above 90%) suggests earnings translate cleanly into cash; lower conversion may indicate working capital tightness or accounting timing differences.
Price
| Price | $36.08 |
| Market Cap | $588M |
| Exchange | NASDAQ |
| Country | US |
Valuation Ratios
| P/E Ratio | 10.59 |
| Price / Book | 1.40 |
| EV / EBITDA | 12.63 |
| Dividend Yield | 1.38% |
Profitability
| Return on Equity | 13.85% |
| Return on Invested Capital | 0.92% |
| Return on Assets | 1.45% |
| Gross Margin | 73.47% |
| Operating Margin | 15.76% |
| Net Margin | 19.26% |
Financial Health
| Debt / Equity | 0.12 |
| Current Ratio | 0.86 |
| Piotroski F-Score | 7 |
| Altman Z-Score | -0.31 |
What to look at in Banking companies
- Efficiency Ratio (<=55%) — Operating expenses / revenue. Top banks below 55%.
- ROA (>=1%) — How much they earn per dollar of assets. ROE misleads in banks due to leverage.
- ROTCE (>=12%) — Return on Tangible Common Equity. Strips goodwill and intangibles.
- Equity / Assets (Tier 1 proxy) (>=8%) — Capital ratio proxy. FMP does not expose regulatory Tier 1 directly.
- P/B (1.0-1.5x) — Classic banking metric. <1x can be opportunity or distress.
- Sustainable dividend yield (>=2%, <8%) — EU banks pay 5-7% normally. >8% is distress signal.
Peer Comparison
| Symbol | Company | Market Cap | P/E | P/B | ROE |
|---|---|---|---|---|---|
| CBNK | Capital Bancorp, Inc. | $592M | 10.59 | 1.40 | 13.9% |
| 0O84.L | DNB Bank ASA | $487.3B | |||
| MFG | Mizuho Financial Group, Inc. | $133.2B | 15.46 | 1.83 | 12.3% |
| HDB | HDFC Bank Limited | $119.7B | 13.92 | 1.82 | |
| IBN | ICICI Bank Limited | $100.7B | 16.85 | 2.49 | 15.7% |
| SBID.L | State Bank of India | $96.4B | |||
| 0KEF.L | The PNC Financial Services Group, Inc. | $94.3B | 12.97 | 1.49 | 12.3% |
| PNC | The PNC Financial Services Group, Inc. | $92.4B | 13.10 | 1.50 |
Price Performance
| 1 month | -2.97% |
| 3 months | +8.90% |
| Year-to-date | +28.61% |
| 1 year | +11.24% |
| 3 years | +89.69% |
52-Week Range
| 52-week High | $38.83 |
| 52-week Low | $26.40 |
| Avg Volume (90d) | 60K |
Dividend History
| Date | Amount | Yield |
|---|---|---|
| 2026-08-10 | $0.1400 | 1.55% |
| 2026-05-11 | $0.1200 | 1.33% |
| 2026-02-09 | $0.1200 | 1.33% |
| 2025-11-10 | $0.1200 | 1.33% |
| 2025-08-11 | $0.1200 | 1.33% |
| 2025-05-12 | $0.1000 | 1.11% |
| 2025-02-10 | $0.1000 | 1.11% |
| 2024-11-04 | $0.1000 | 1.11% |
| 2024-08-05 | $0.1000 | 1.11% |
| 2024-05-03 | $0.0800 | 0.89% |
Related companies: BWB · FBIZ · FMNB · HBCP · NFBK · NRIM · PFIS
Explore sector: Financial Services · Banks - Regional
More sections of CBNK: Financials · Valuation · Statistics · Estimates · Technical · Ownership · News · Events
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