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Friday 6 November 2026
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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
42.52
0.08
−0.19%
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| Dec '16 | Dec '17 | Dec '18 | Dec '19 | Dec '20 | Dec '21 | Dec '22 | Dec '23 | Dec '24 | Dec '25 | |
|---|---|---|---|---|---|---|---|---|---|---|
Piotroski F-Score |
— | 4 | 7 | 4 | 6 | 6 | 4 | 7 | 4 | 7 |
P/E ratio |
2.19 | 2.19 | 10.77 | 12.01 | 7.45 | 9.07 | 7.80 | 9.75 | 13.38 | 8.17 |
P/S ratio |
0.00 | 0.00 | 1.62 | 1.90 | 1.30 | 2.08 | 1.81 | 1.68 | 1.70 | 1.51 |
P/FCF ratio |
3.10 | 3.10 | 5.20 | 0.00 | 37.02 | 2.74 | 6.54 | 7.72 | 12.68 | 6.94 |
P/Operating CF |
68.52 | 68.52 | 13.30 | 27.95 | 4.65 | 12.24 | 53.97 | 56.44 | 16.05 | 25.31 |
P/B ratio |
2.10 | 2.10 | 1.21 | 1.53 | 1.21 | 1.83 | 1.45 | 1.37 | 1.17 | 1.16 |
Price to Tangible BV |
2.10 | 2.10 | 1.21 | 1.53 | 1.21 | 1.83 | 1.45 | 1.37 | 1.31 | 1.29 |
EV/Sales |
0.00 | 0.00 | 1.42 | 1.27 | 0.55 | 1.22 | 2.02 | 1.66 | 1.00 | 0.85 |
EV/EBITDA |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
EV/Operating CF |
2.67 | 2.67 | 4.27 | (5.05) | 14.89 | 1.61 | 7.09 | 7.27 | 7.00 | 3.78 |
EV/FCF |
2.79 | 2.79 | 4.55 | (4.99) | 15.65 | 1.61 | 7.31 | 7.61 | 7.46 | 3.91 |
Quick Ratio |
0.05 | 0.06 | 0.04 | 0.09 | 0.09 | 0.10 | 0.05 | 0.03 | 0.07 | 0.08 |
Current Ratio |
1.05 | 1.05 | 1.09 | 1.10 | 1.06 | 1.01 | 1.02 | 1.02 | 1.02 | 1.03 |
Net Debt/EBITDA |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Debt/Assets |
2.58% | 1.89% | 1.57% | 3.34% | 1.92% | 1.66% | 5.61% | 2.20% | 1.06% | 1.44% |
Debt/Equity |
0.33 | 0.24 | 0.15 | 0.36 | 0.23 | 0.17 | 0.53 | 0.19 | 0.10 | 0.13 |
Asset Turnover |
0.08 | 0.07 | 0.08 | 0.09 | 0.09 | 0.09 | 0.09 | 0.10 | 0.09 | 0.09 |
Operating CF/Net income |
0.80 | 4.90 | 2.22 | (1.61) | 0.21 | 3.30 | 1.23 | 1.32 | 1.13 | 1.22 |
Capex/Depreciation |
(0.56) | (1.11) | (1.29) | (0.12) | (0.11) | (0.01) | (0.79) | (3.26) | (0.93) | (0.64) |
| 14.48% | 9.42% | 13.12% | 13.63% | 17.65% | 22.38% | 19.82% | 14.98% | 10.15% | 15.11% | |
| 1.15% | 0.74% | 1.20% | 1.33% | 1.56% | 2.03% | 2.00% | 1.65% | 1.14% | 1.68% | |
ROIC |
17.39% | 18.68% | 11.41% | 21.46% | 45.36% | 69.33% | 12.90% | 11.56% | 15.56% | 24.69% |
Return on Tangible Assets |
20.42% | 15.70% | 14.59% | 13.36% | 24.25% | 199.46% | 90.93% | 70.19% | 47.82% | 49.28% |
Average Days of Receivables |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Research and Development Expense of Revenue |
0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% |
Selling, General and Administrative Expense of Revenue |
68.38% | 69.57% | 66.00% | 64.26% | 67.22% | 65.25% | 64.30% | 57.77% | 57.37% | 53.82% |
Intangible Assets out of Total Assets |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.01 | 0.01 |
Share Based Compensation of Revenue |
0.92% | 0.70% | 0.67% | 0.74% | 0.67% | 0.77% | 0.92% | 0.84% | 0.77% | 0.52% |
Graham Net Nets |
5.36 | 5.36 | 0.41 | 0.26 | 0.20 | (0.12) | (0.30) | (0.07) | (0.08) | 0.00 |
Graham Number |
0.00 | 0.00 | 15.01 | 16.46 | 22.04 | 30.54 | 32.73 | 32.38 | 34.16 | 43.37 |
Earnings Yield |
45.70% | 45.70% | 9.29% | 8.33% | 13.42% | 11.03% | 12.83% | 10.26% | 7.47% | 12.25% |
Free Cash Flow Yield |
32.29% | 32.29% | 19.22% | (13.46%) | 2.70% | 36.54% | 15.30% | 12.95% | 7.88% | 14.42% |
Revenue per Share |
6.36 | 6.38 | 7.04 | 7.85 | 10.69 | 12.60 | 12.84 | 14.87 | 16.78 | 18.70 |
Operating CF per Share |
0.69 | 3.09 | 2.34 | (1.98) | 0.40 | 9.57 | 3.66 | 3.39 | 2.39 | 4.20 |
Capex per Share |
(0.06) | (0.13) | (0.14) | (0.02) | (0.02) | 0.00 | (0.11) | (0.15) | (0.15) | (0.14) |
Free Cash Flow per Share |
0.63 | 2.97 | 2.19 | (2.00) | 0.38 | 9.57 | 3.55 | 3.23 | 2.25 | 4.06 |
Cash per Share |
3.48 | 4.65 | 2.87 | 8.36 | 10.65 | 13.29 | 5.73 | 3.85 | 14.08 | 15.41 |
Shareholders Equity per Share |
6.45 | 7.11 | 9.46 | 9.71 | 11.55 | 14.34 | 15.97 | 18.20 | 24.35 | 24.23 |
Interest Debt per Share |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Book value per Share |
6.45 | 7.11 | 9.46 | 9.71 | 11.55 | 14.34 | 15.97 | 18.20 | 24.35 | 24.23 |
Free Cash Flow |
6.87 | 33.39 | 26.57 | (27.51) | 5.19 | 132.05 | 49.84 | 45.26 | 32.77 | 67.35 |
Working Capital |
43.99 | 42.67 | 84.53 | 120.34 | 102.02 | 16.76 | 42.59 | 46.04 | 49.24 | 100.94 |
Capital Expenditures |
(0.67) | (1.42) | (1.73) | (0.30) | (0.27) | (0.02) | (1.55) | (2.16) | (2.16) | (2.37) |
Net Current Asset Value |
10.49 | 14.02 | 56.18 | 53.28 | 38.00 | (43.03) | (97.95) | (23.70) | (31.20) | (1.56) |
EV/EBIT |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Capex to Sales |
0.01 | 0.02 | 0.02 | 0.00 | 0.00 | 0.00 | 0.01 | 0.01 | 0.01 | 0.01 |
Price to Operating Income |
0.00 | 0.00 | 7.79 | 9.00 | 5.47 | 6.67 | 6.01 | 7.56 | 9.08 | 5.97 |
| Other line items | ||||||||||
Depreciation/Fixed assets |
0.53 | 0.49 | 0.45 | 0.42 | 0.52 | 0.56 | 0.58 | 0.13 | 0.15 | 0.25 |
Cash ROIC |
5.19% | 22.00% | 15.94% | (9.30%) | 1.52% | 31.79% | 11.77% | 12.65% | 5.51% | 9.49% |
Accounts Receivable Turnover |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Accounts Payable Turnover |
0.01 | 0.01 | 0.01 | 0.01 | 0.01 | 0.00 | 0.01 | 0.02 | 0.03 | 0.02 |
Inventory Turnover |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Average Days of Payables |
44,523.05 | 42,590.35 | 31,022.56 | 28,233.72 | 45,746.22 | 100,145.80 | 63,920.34 | 16,603.61 | 17,216.42 | 17,401.90 |
Days of Inventory on Hand |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Average Payables |
710.37 | 847.91 | 930.07 | 1,090.33 | 1,438.77 | 1,724.63 | 1,777.60 | 1,827.03 | 2,328.97 | 2,927.57 |
Average Assets |
824.51 | 965.80 | 1,065.53 | 1,266.33 | 1,652.10 | 1,965.95 | 2,089.48 | 2,174.92 | 2,716.54 | 3,406.56 |
Average Common Equity |
65.20 | 75.43 | 97.34 | 123.95 | 146.32 | 178.61 | 210.96 | 239.44 | 305.00 | 378.45 |
Columns are period end dates