Saturday 17 October 2026 Export CBNK’s income statement to Excel — free account

Capital Bancorp, Inc.

Capital Bancorp, Inc.’s revenue for fiscal 2025 (year ended December 2025) was $310.1 million, up 26.7% from fiscal 2024. In the quarter to June 2026, revenue grew 8.53%, EPS grew 10.1%, free cash flow fell 18.2% and total debt rose 52.8%, each against the same quarter a year earlier. Dividend growth for five consecutive years, revenue growth for ten.

39.60 0.17 +0.43%

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Market cap: $642.3M
P/E: 11.5×
Fwd P/E: 9.6×
Dividend yield: 1.26%
F-score: 7/9
Altman Z: n/a
Beneish M: n/a
Dividend safety: n/a

Overview Business Profile Financial Analysis Income Statement Balance Sheet Cash Flow Metrics & Ratios 10-Q 10-K

Insider Decisions trades per month

Total sells 0.10

Totals in millions of $.

	Dec 25			Mar 26			Jun 26			Sep 26
Buy	—	—	—	—	—	—	—	—	—	—	—	—
Sell	1	—	—	—	—	—	—	—	—	—	—	—

Insider Ownership 33.75%

Capital & Financial Ratios $m

Market Cap 642.33

Revenue 322.72

Net Income 56.37

Free Cash Flow 65.23

Net Debt (366.20)

Current Ratio 1.03

Debt/Equity 0.12

P/E ratio 11.55

Fwd P/E 9.55

P/S ratio 2.00

P/B ratio 1.53

Past 5Y EPS Growth 12.77%

This Y EPS Growth 3.75%

Next Y EPS Growth 10.80%

Next Y revenue growth (13.76%)

Next 5Y EPS Growth 6.86%

Green and red mark values outside typical ranges. How we judge →

Valuation vs history

P/E against its own 10 years 81.53%

10-year low 10-year high

P/S against its own 10 years 92.58%

10-year low 10-year high

P/B against its own 10 years 75.51%

10-year low 10-year high

Dividends

Payout Ratio 0.15

Annual Dividend Rate 0.50

Annual Dividend Yield 1.26%

	total	individual payouts
2028	Powerpack
2027	Powerpack
2026	0.52	0.12 0.12 0.14
2025	0.44	0.10 0.10 0.12 0.12
2024	0.36	0.08 0.08 0.10 0.10
2023	0.28	0.06 0.06 0.08 0.08
2022	0.22	0.05 0.05 0.06 0.06
2021	0.10	0.05 0.05
2020	Powerpack
2019	Powerpack
2018	Powerpack
2017	Powerpack
2016	0.27	0.09 0.09 0.09

predictions special payouts not included in total or ratios

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%

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.

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.

Group	Line	2016	2017	2018	2019	2020	2021	2022	2023	2024	2025	2026e
Price, $
Price, $	Low	—	—	10.33	10.21	6.98	13.53	20.94	15.32	15.00	24.69	Analyst estimates 2026–2028 Powerpack
	High	—	—	14.28	15.07	14.97	28.16	27.56	24.75	31.22	36.40
People
People	Employees	—	195	204	230	247	269	329	299	407	459
	Revenue/emp, $m	0.00	0.37	0.42	0.47	0.60	0.65	0.55	0.70	0.60	0.68
Income, $m
Income, $m	Revenue	70	72	85	108	147	174	180	208	245	310
	Gross margin, %	90.70	89.20	86.82	85.31	91.06	96.23	94.42	79.98	76.07	79.08
	EBT	16	14	18	23	35	54	54	46	42	75
	EBT margin, %	22.32	19.63	20.82	21.06	23.84	30.98	30.13	22.20	17.09	24.17
	Net income	9	7	13	17	26	40	42	36	31	57
	Depreciation	1	1	1	3	2	2	2	1	2	4
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
	Earnings	0.86	0.63	1.05	1.23	1.87	2.90	2.98	2.56	2.12	3.45
	Cash flow	0.69	3.09	2.34	(1.98)	0.40	9.57	3.66	3.39	2.39	4.20
	Capex	(0.06)	(0.13)	(0.14)	(0.02)	(0.02)	0.00	(0.11)	(0.15)	(0.15)	(0.14)
	Free cash flow	0.63	2.97	2.19	(2.00)	0.38	9.57	3.55	3.23	2.25	4.06
	Book value	6.45	7.11	9.46	9.71	11.55	14.34	15.97	18.20	24.35	24.23
	Shares, m	11	11	12	14	14	14	14	14	15	17
Valuation, ×
Valuation, ×	P/E	2.19	2.19	10.77	12.01	7.45	9.07	7.80	9.75	13.38	8.17
	P/S	0.00	0.00	1.62	1.90	1.30	2.08	1.81	1.68	1.70	1.51
	P/B	2.10	2.10	1.21	1.53	1.21	1.83	1.45	1.37	1.17	1.16
	EV/Sales	0.00	0.00	1.42	1.27	0.55	1.22	2.02	1.66	1.00	0.85
	EV/FCF	2.79	2.79	4.55	(4.99)	15.65	1.61	7.31	7.61	7.46	3.91
Cash, $m
Cash, $m	Operating cash flow	8	35	28	(27)	5	132	51	47	35	70
	Capex	(1)	(1)	(2)	0	0	0	(2)	(2)	(2)	(2)
	Free cash flow	7	33	27	(28)	5	132	50	45	33	67
Balance, $m
Balance, $m	Working capital	44	43	85	120	102	17	43	46	49	101
	Total debt	23	19	17	48	36	34	119	49	34	52
	Net debt	(15)	(33)	(17)	(67)	(111)	(149)	39	(5)	(171)	(204)
	Shareholders’ equity	71	80	115	133	159	198	224	255	355	402
Returns, %
Returns, %	ROA	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
	ROE	14.48	9.42	13.12	13.63	17.65	22.38	19.82	14.98	10.15	15.11

Negative figures in brackets.

All 10 years →

Fiscal years to Dec 2025 · latest quarter Jun 2026

Charts ten years each

Company	Market cap	P/E	Fwd P/E	Revenue growth (Q)	EPS growth (Q)	FCF growth (Q)	Gross margin (Q)	EBIT margin (Q)	Compare
PFIS Peoples Financial Services Corp.	$681.2M	12.0×	9.2×	+3.78% (above 0%: growing)	−12.94% (below 0%: shrinking)	+54.41% (above 0%: growing)	70.19%	0.00%	Compare
CARE Carter Bankshares, Inc.	$671.8M	5.2×	4.6×	+44.00% (above 0%: growing)	+254.05% (above 0%: growing)	−3,522.21% (below 0%: shrinking)	76.12%	0.00%	Compare
MSBI Midland States Bancorp, Inc.	$670.3M	20.7×	9.1×	−7.83% (below 0%: shrinking)	+86.36% (above 0%: growing)	+9.48% (above 0%: growing)	74.46%	0.00%	Compare
RRBI Red River Bancshares, Inc.	$666.1M	14.5×	12.5×	+6.30% (above 0%: growing)	+18.54% (above 0%: growing)	+237.31% (above 0%: growing)	76.50%	0.00%	Compare
CCB Coastal Financial Corporation	$656.9M	— (loss-making)	16.0×	+37.72% (above 0%: growing)	n/m	+16.72% (above 0%: growing)	85.92%	0.00%	Compare
ACNB ACNB Corporation	$642.5M	12.0×	10.1×	+4.47% (above 0%: growing)	+35.14% (above 0%: growing)	−125.12% (below 0%: shrinking)	81.56%	0.00%	Compare
CBNK Capital Bancorp, Inc.	$642.3M	11.5×	9.6×	+8.53% (above 0%: growing)	+10.13% (above 0%: growing)	−18.20% (below 0%: shrinking)	77.43%	0.00%
HIFS Hingham Institution for Savings	$640.9M	9.7×	—	+33.46% (above 0%: growing)	+168.29% (above 0%: growing)	−29.97% (below 0%: shrinking)	59.45%	0.00%	Compare
BHB Bar Harbor Bankshares, Inc.	$638.6M	12.9×	10.1×	+26.82% (above 0%: growing)	+127.50% (above 0%: growing)	+563.60% (above 0%: growing)	73.41%	0.00%	Compare
Median of peers	$661.5M	12.0×	10.1×	+16.56%	+86.36%	+13.10%	75.29%	0.00%

All 323 Banks Regional stocks →

Capital Bancorp, Inc. (CBNK) key facts

Strength: Capital Bancorp, Inc.’s revenue for fiscal 2025 (year ended December 2025) was $310.1 million, up 26.7% from fiscal 2024.
Capital Bancorp, Inc. (CBNK) is a Banks Regional company in the Financial sector, listed on Nasdaq.
As of October 16, 2026, CBNK traded at $39.60, a market capitalization of $642.3 million.
Capital Bancorp, Inc. pays an annual dividend of $0.50 per share, a yield of 1.26%, with a payout ratio of 14.7%.
Return on equity was 15.1% and debt-to-equity 0.12.
Its Piotroski F-score is 7 out of 9 for fiscal 2025.