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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. 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%
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%) (below 0%: weak)
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.

Target Price Range

Analyst price targets

Recommendation Rating

2.6
1Buy 2 3Hold 4 5Sell

Ten years at a glance Fiscal years to December

Group Line 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 Trend 2026e 2027e 2028e
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

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
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.

Source: company filings (standardised) and stockrow calculations.

Capital Bancorp, Inc. (CBNK) Latest News

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