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Capital Bancorp, Inc.

CBNK Financial Banks Regional

Capital Bancorp, Inc.’s revenue for fiscal 2025 (year ended December 2025) was $310.1 million, up 26.7% from fiscal 2024.

Revenue
+8.53%
EPS
+10.1%
Free cash flow
−18.2%
Total debt
+52.8%

Quarter to June 2026, against a year earlier

42.30 0.30 −0.70%
Market cap
$695.6M
P/E
12.5×
Fwd P/E
12.0×
Dividend yield
1.17%
F-score
7/9
Altman Z
n/a
Beneish M
n/a
Dividend safety
n/a
Overview
Financials
Income Statement Balance Sheet Cash Flow Metrics & Ratios

Insider Decisions last twelve months

Trades a month
Jan 26 Apr 26 Jul 26 Oct 26
Buy — — — — — — — — — — — —
Sell — — — — — — — — — — — —
Insider Ownership 33.63%

Capital & Financial Ratios $m

Size
Market Cap 695.60
Revenue ttm 322.72
Net income ttm 56.37
Free cash flow ttm 65.23
Net debt Q (366.20)
Valuation
P/E 12.47
Forward P/E 12.00
Price / sales 2.16
Forward P/S Powerpack
Price / FCF 10.68
Price / book 1.65
Financial health
Current ratio Q 1.03
Debt / equity Q 0.12
Interest coverage Q —
Growth
Revenue growth Q +8.53% (above 0%: growing)
Operating income growth Q −0.23% (below 0%: shrinking)
EPS, this year +3.39%
EPS, next year A +11.18%
Revenue, next year A −13.76% (below 0%: weak)
EPS, past 5 yrs +12.77%
EPS, next 5 yrs A +7.42%

Green and red mark values outside typical ranges; (Q) is the latest quarter, (A) analysts’ estimates. How we judge →

Valuation vs history

P/E against its own 10 years 89.95%
10-year low 10-year high
P/S against its own 10 years 99.36%
10-year low 10-year high
P/B against its own 10 years 87.59%
10-year low 10-year high

Dividends raised 6 years running

Yield
1.17%
Annual rate
0.50
Payout ratio
14.7%
  1. 0.00 ’18
  2. 0.00 ’19
  3. 0.00 ’20
  4. 0.10 ’21
  5. 0.22 ’22 +120
  6. 0.28 ’23 +27
  7. 0.36 ’24 +29
  8. 0.44 ’25 +22
  9. 0.52 ’26 +18
paid change on the year, % Powerpack

Assets vs Liabilities $m

2023 2024 2025 Q'26
Cash 54 205 256 418
Receivables — — — —
Inventory — — — —
Other — — — —
1,948 2,821 3,203 3,492
2023 2024 2025 Q'26
Payables 1,896 2,762 3,093 3,371
ST’ Debt — — — —
Other — — — —
1,902 2,771 3,102 3,378

Compound Annual Growth %

10y 5y 3y
Sales 19.28% 16.04% 19.87%
Cash Flow 15.38% 66.45% 10.70%
Earnings 22.53% 17.23% 11.00%
Book Value 21.01% 20.32% 21.50%

Earnings Trends EPS, adjusted, against the consensus

Q3 FY26 Estimate 0.91 Actual 0.89

Earnings per share against the consensus, by quarter
Quarter Estimate Reported Result
Q4 FY25 0.83 0.91 Beat by 0.08
Q1 FY26 0.78 0.73 Miss by 0.05
Q2 FY26 0.83 0.87 Beat by 0.04
Q3 FY26 0.91 0.89 Miss by 0.02
Q4 FY26 0.97 — Reports 25 January 2027

EPS $

Mar Jun Sep Dec Year
’26 0.73 0.87 — — —
’25 0.82 0.78 0.89 0.91 3.41
’24 0.47 0.59 0.62 0.45 2.11
’23 0.68 0.52 0.70 0.65 2.55
’22 0.71 0.80 0.77 0.62 2.91
’21 0.65 0.68 0.79 0.71 2.84
’20 0.21 0.34 0.61 0.71 1.87
Fiscal quarters ending in the months shown.

Revenue $m

Mar Jun Sep Dec Year
’26 81 84 — — —
’25 75 78 76 81 310
’24 54 58 59 74 245
’23 49 52 54 53 208
’22 43 45 45 47 180
’21 41 43 46 44 174
’20 27 33 43 44 147
Fiscal quarters ending in the months shown.

Operating Cash Flow $m

Mar Jun Sep Dec Year
’26 22 (5) — — —
’25 23 (4) 33 18 70
’24 (3) 13 0 26 35
’23 10 8 22 6 47
’22 9 20 16 6 51
’21 55 22 26 30 132
’20 3 (30) (9) 41 5
Fiscal quarters ending in the months shown.

Free Cash Flow $m

Mar Jun Sep Dec Year
’26 21 (6) — — —
’25 22 (5) 32 18 67
’24 (3) 12 0 24 33
’23 8 8 22 7 45
’22 9 20 16 6 50
’21 55 21 27 30 132
’20 3 (30) (9) 41 5
Fiscal quarters ending in the months shown.

Target Price Range

Analyst price targets

Recommendation Rating

3
1Buy 2 3Hold 4 5Sell

Ten years at a glance Fiscal years to December

Ten-year view Analyst estimates Powerpack
Group Line 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 TTM Jun ’26 Trend 10 yrs 2026e 2027e 2028e Next 3/yr
Income, $m
Income, $m Revenue 70 72 85 108 147 174 180 208 245 310 323 +18.0% 267 295 319 +0.9%
Gross margin, % 90.70 89.20 86.82 85.31 91.06 96.23 94.42 79.98 76.07 79.08 78.67 (11.6) pt
EBT 16 14 18 23 35 54 54 46 42 75 74 +19.1%
EBT margin, % 22.32 19.63 20.82 21.06 23.84 30.98 30.13 22.20 17.09 24.17 22.89 +1.8 pt
Net income 9 7 13 17 26 40 42 36 31 57 56 +22.2%
Per share, $
Per share, $ Revenue 6.36 6.38 7.04 7.85 10.69 12.60 12.84 14.87 16.78 18.70 19.81 +12.7%
Earnings 0.86 0.63 1.05 1.23 1.87 2.90 2.98 2.56 2.12 3.45 3.43 +16.7%
Cash flow 0.69 3.09 2.34 (1.98) 0.40 9.57 3.66 3.39 2.39 4.20 4.18 +22.3%
Capex (0.06) (0.13) (0.14) (0.02) (0.02) 0.00 (0.11) (0.15) (0.15) (0.14) (0.18) +9.9%
Free cash flow 0.63 2.97 2.19 (2.00) 0.38 9.57 3.55 3.23 2.25 4.06 4.01 +23.1%
Book value 6.45 7.11 9.46 9.71 11.55 14.34 15.97 18.20 24.35 24.23 25.92 +15.8%
Shares, m 11 11 12 14 14 14 14 14 15 17 16 +4.7%
Valuation, ×
Valuation, × P/E 2.19 2.19 10.77 12.01 7.45 9.07 7.80 9.75 13.38 8.17 12.47 8.3
P/S 0.00 0.00 1.62 1.90 1.30 2.08 1.81 1.68 1.70 1.51 2.16 1.4
P/B 2.10 2.10 1.21 1.53 1.21 1.83 1.45 1.37 1.17 1.16 1.65 1.5
EV/Sales 0.00 0.00 1.42 1.27 0.55 1.22 2.02 1.66 1.00 0.85 — 1.0
EV/FCF 2.79 2.79 4.55 (4.99) 15.65 1.61 7.31 7.61 7.46 3.91 — 4.9
Cash, $m
Cash, $m Operating cash flow 8 35 28 (27) 5 132 51 47 35 70 68 +28.0%
Capex (1) (1) (2) 0 0 0 (2) (2) (2) (2) (3) +15.1%
Free cash flow 7 33 27 (28) 5 132 50 45 33 67 65 +28.9%
Balance, $m
Balance, $m Working capital 44 43 85 120 102 17 43 46 49 101 114 +9.7%
Net debt (15) (33) (17) (67) (111) (149) 39 (5) (171) (204) (366) +33.8%
Shareholders’ equity 71 80 115 133 159 198 224 255 355 402 422 +21.3%
Returns, %
Returns, % ROA 1.15 0.74 1.20 1.33 1.56 2.03 2.00 1.65 1.14 1.68 1.55 +0.5 pt
ROIC 17.39 18.68 11.41 21.46 45.36 69.33 12.90 11.56 15.56 24.69 83.21 +7.3 pt
ROE 14.48 9.42 13.12 13.63 17.65 22.38 19.82 14.98 10.15 15.11 14.05 +0.6 pt
People
People Employees — 195 204 230 247 269 329 299 407 459 — +11.3%
Revenue/emp, $m 0.00 0.37 0.42 0.47 0.60 0.65 0.55 0.70 0.60 0.68 — n/m
Negative figures in brackets.
estimates

All 10 years →

Fiscal years to Dec 2025 · latest quarter Jun 2026

Capital Bancorp, Inc. vs peers in Banks Regional (Q) = latest quarter vs a year earlier

Company Market cap P/E Fwd P/E Revenue growth (Q) EPS growth (Q) FCF growth (Q) Gross margin (Q) EBIT margin (Q) Compare
VBNK VersaBank $724.9M 29.4× 25.8× +19.17% (above 0%: growing) +46.67% (above 0%: growing) −124.97% (below 0%: shrinking) 42.29% 0.00% Compare
AROW Arrow Financial Corporation $715.6M 12.5× 13.6× +4.55% (above 0%: growing) +1.54% (above 0%: growing) +37.22% (above 0%: growing) 71.42% 0.00% Compare
CWBC Community West Bancshares $707.1M 14.0× 15.8× +32.57% (above 0%: growing) −75.61% (below 0%: shrinking) +65.55% (above 0%: growing) 76.29% 0.00% Compare
CBNK Capital Bancorp, Inc. $695.6M 12.5× 12.0× +8.53% (above 0%: growing) +10.13% (above 0%: growing) −18.20% (below 0%: shrinking) 77.43% 0.00%
BHB Bar Harbor Bankshares, Inc. $691.9M 13.9× 11.2× +26.82% (above 0%: growing) +127.50% (above 0%: growing) +563.60% (above 0%: growing) 73.41% 0.00% Compare
BCAL California BanCorp $690.8M 11.7× 12.2× −3.68% (below 0%: shrinking) +2.33% (above 0%: growing) +6.82% (above 0%: growing) 79.50% 0.00% Compare
RRBI Red River Bancshares, Inc. $687.9M 15.0× 14.2× +6.30% (above 0%: growing) +18.54% (above 0%: growing) +237.31% (above 0%: growing) 76.50% 0.00% Compare
HIFS Hingham Institution for Savings $659.4M 10.0× — +33.46% (above 0%: growing) +168.29% (above 0%: growing) −29.97% (below 0%: shrinking) 59.45% 0.00% Compare
MSBI Midland States Bancorp, Inc. $657.4M 14.0× 9.6× −1.90% (below 0%: shrinking) +295.83% (above 0%: growing) −51.81% (below 0%: shrinking) 73.94% 0.00% Compare
Median of peers $691.4M 14.0× 13.6× +12.74% +32.61% +22.02% 73.68% 0.00%

All 327 Banks Regional stocks →

Pay and ownership Proxy statement filed 7 April 2026

Chief executive’s pay

Year Total pay Actually paid $100 invested
2025 1.35m 1.45m 125.00
2024 1.55m 1.28m 125.00
2023 1.12m 1.00m 104.00

Ownership

Directors and executive officers, together 33.53%
James F. Whalen 5.98%
Randall J. Levitt 5.90%
Joshua B. Bernstein 5.31%
Total pay is as the Summary Compensation Table states it; actually paid revalues the year’s share awards at its end, as the SEC’s pay-versus-performance rule asks. $100 invested is what $100 in the company’s shares at the start of the earliest year shown was worth at each year’s end. Ownership is the proxy’s own table: the directors and officers as a group, and every holder of 5% or more. Read the proxy statement

Capital Bancorp, Inc. (CBNK) Latest News

26 Oct

Impact 3 · · Zacks
Impact 3 · · Zacks
Impact 3 · · Associated Press

22 Oct

Impact 3 · · Zacks

20 Oct

Impact 4 · · The Motley Fool
Impact 4 · · MarketBeat

19 Oct

Impact 3 · · Zacks

9 Oct

Impact 4 · · Simply Wall St.
Impact 4 · · Simply Wall St.
Impact 4 · · Simply Wall St.

3 Oct

Impact 4 · · MarketBeat

1 Oct

Impact 4 · · Zacks

30 Sep

Impact 4 · · The Motley Fool
Impact 4 · · StockStory
Impact 4 · · americanbanker.com
Impact 4 · · bankingdive.com
Impact 4 · · GlobeNewswire
Impact 4 · · PR Newswire

23 Sep

Impact 3 · · Zacks

10 Sep

Impact 3 ·

27 Jul

Impact 3 ·
Impact 3 ·

27 Apr

Impact 4 · · GlobeNewswire
Impact 3 · · Zacks

2 Feb

Impact 4 · · Simply Wall St.

28 Jan

Impact 3 · · Simply Wall St.

26 Jan

Impact 4 · · Zacks
Impact 4 · · Associated Press FinanceSimply Wall St.
Impact 4 · · GlobeNewswire

30 Dec

Impact 4 ·
stockrow.com/CBNK · Data as of Jun 30, 2026 · For information only; not investment advice. · © 2026 stockrow.com