CAPITAL BANCORP INC/MD (CBNK) Stock Fundamental Analysis
NASDAQ:CBNK - Nasdaq - US1397371006 - Common Stock - Currency: USD
CBNK gets a fundamental rating of 5 out of 10. The analysis compared the fundamentals against 392 industry peers in the Banks industry. The financial health of CBNK is average, but there are quite some concerns on its profitability. CBNK is showing excellent growth while it is valued at reasonable prices. Keep and eye on this one!
1. Profitability
1.1 Basic Checks
In the past year CBNK was profitable.
CBNK had a positive operating cash flow in the past year.
CBNK had positive earnings in each of the past 5 years.
Each year in the past 5 years CBNK had a positive operating cash flow.
1.2 Ratios
CBNK has a Return On Assets of 1.14%. This is in the better half of the industry: CBNK outperforms 77.04% of its industry peers.
With a decent Return On Equity value of 10.37%, CBNK is doing good in the industry, outperforming 71.43% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 1.14% | ||
| ROE | 10.37% | ||
| ROIC | N/A |
ROA(3y)1.52%
ROA(5y)1.57%
ROE(3y)13.82%
ROE(5y)15.57%
ROIC(3y)N/A
ROIC(5y)N/A
1.3 Margins
CBNK has a Profit Margin of 18.82%. This is in the lower half of the industry: CBNK underperforms 65.56% of its industry peers.
CBNK's Profit Margin has declined in the last couple of years.
CBNK does not have Operating Margin and Gross Margin available, so we won't be analyzing them here.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | N/A | ||
| PM (TTM) | 18.82% | ||
| GM | N/A |
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y-11.38%
PM growth 5Y-1.96%
GM growth 3YN/A
GM growth 5YN/A
2. Health
2.1 Basic Checks
CBNK does not have a ROIC to compare to the WACC, probably because it is not profitable.
Compared to 1 year ago, CBNK has more shares outstanding
The number of shares outstanding for CBNK has been increased compared to 5 years ago.
CBNK has a better debt/assets ratio than last year.
2.2 Solvency
The Debt to FCF ratio of CBNK is 0.21, which is an excellent value as it means it would take CBNK, only 0.21 years of fcf income to pay off all of its debts.
CBNK has a better Debt to FCF ratio (0.21) than 86.48% of its industry peers.
A Debt/Equity ratio of 0.03 indicates that CBNK is not too dependend on debt financing.
With an excellent Debt to Equity ratio value of 0.03, CBNK belongs to the best of the industry, outperforming 83.67% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.03 | ||
| Debt/FCF | 0.21 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC15.63%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
CBNK shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 37.34%, which is quite impressive.
The Earnings Per Share has been growing by 16.89% on average over the past years. This is quite good.
CBNK shows a strong growth in Revenue. In the last year, the Revenue has grown by 30.60%.
The Revenue has been growing by 15.14% on average over the past years. This is quite good.
EPS 1Y (TTM)37.34%
EPS 3Y-2.29%
EPS 5Y16.89%
EPS Q2Q%44.07%
Revenue 1Y (TTM)30.6%
Revenue growth 3Y3.62%
Revenue growth 5Y15.14%
Sales Q2Q%38.24%
3.2 Future
Based on estimates for the next years, CBNK will show a quite strong growth in Earnings Per Share. The EPS will grow by 17.95% on average per year.
The Revenue is expected to grow by 19.75% on average over the next years. This is quite good.
EPS Next Y33.78%
EPS Next 2Y17.95%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year33.43%
Revenue Next 2Y19.75%
Revenue Next 3YN/A
Revenue Next 5YN/A
3.3 Evolution
When comparing the EPS growth rate of the last years to the growth rate of the upcoming years, we see that the growth is stable.
When comparing the Revenue growth rate of the last years to the growth rate of the upcoming years, we see that the growth is accelerating.
4. Valuation
4.1 Price/Earnings Ratio
A Price/Earnings ratio of 9.46 indicates a reasonable valuation of CBNK.
Compared to the rest of the industry, the Price/Earnings ratio of CBNK indicates a rather cheap valuation: CBNK is cheaper than 82.40% of the companies listed in the same industry.
Compared to an average S&P500 Price/Earnings ratio of 26.54, CBNK is valued rather cheaply.
CBNK is valuated reasonably with a Price/Forward Earnings ratio of 8.52.
71.43% of the companies in the same industry are more expensive than CBNK, based on the Price/Forward Earnings ratio.
When comparing the Price/Forward Earnings ratio of CBNK to the average of the S&P500 Index (35.28), we can say CBNK is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 9.46 | ||
| Fwd PE | 8.52 |
4.2 Price Multiples
CBNK's Price/Free Cash Flow ratio is a bit cheaper when compared to the industry. CBNK is cheaper than 71.17% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 8.86 | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
The low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.
A more expensive valuation may be justified as CBNK's earnings are expected to grow with 17.95% in the coming years.
PEG (NY)0.28
PEG (5Y)0.56
EPS Next 2Y17.95%
EPS Next 3YN/A
5. Dividend
5.1 Amount
CBNK has a Yearly Dividend Yield of 1.35%.
Compared to an average industry Dividend Yield of 3.51, CBNK is paying slightly less dividend.
Compared to an average S&P500 Dividend Yield of 2.40, CBNK's dividend is way lower than the S&P500 average.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 1.35% |
5.2 History
CBNK has been paying a dividend for over 5 years, so it has already some track record.
CBNK has not decreased its dividend in the last 3 years.
Dividend Growth(5Y)N/A
Div Incr Years3
Div Non Decr Years3
5.3 Sustainability
15.19% of the earnings are spent on dividend by CBNK. This is a low number and sustainable payout ratio.
DP15.19%
EPS Next 2Y17.95%
EPS Next 3YN/A
NASDAQ:CBNK (8/8/2025, 11:43:44 AM)
31.31
+0.11 (+0.35%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners39.35%
Inst Owner Change-0.13%
Ins Owners30.37%
Ins Owner Change0.91%
Market Cap519.12M
Analysts84
Price Target38.76 (23.79%)
Short Float %3.23%
Short Ratio5
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 1.35% |
Yearly Dividend0.34
Dividend Growth(5Y)N/A
DP15.19%
Div Incr Years3
Div Non Decr Years3
Ex-Date
Surprises & Revisions
EPS beat(2)2
Avg EPS beat(2)29.36%
Min EPS beat(2)19.41%
Max EPS beat(2)39.3%
EPS beat(4)2
Avg EPS beat(4)12.68%
Min EPS beat(4)-5.19%
Max EPS beat(4)39.3%
EPS beat(8)4
Avg EPS beat(8)6.91%
EPS beat(12)7
Avg EPS beat(12)7.11%
EPS beat(16)11
Avg EPS beat(16)10.86%
Revenue beat(2)2
Avg Revenue beat(2)0.34%
Min Revenue beat(2)0.03%
Max Revenue beat(2)0.66%
Revenue beat(4)2
Avg Revenue beat(4)-0.65%
Min Revenue beat(4)-2.53%
Max Revenue beat(4)0.66%
Revenue beat(8)2
Avg Revenue beat(8)-1.47%
Revenue beat(12)2
Avg Revenue beat(12)-2.68%
Revenue beat(16)4
Avg Revenue beat(16)-1.16%
PT rev (1m)0%
PT rev (3m)3.65%
EPS NQ rev (1m)0.86%
EPS NQ rev (3m)10.69%
EPS NY rev (1m)0%
EPS NY rev (3m)8.37%
Revenue NQ rev (1m)0.44%
Revenue NQ rev (3m)1.16%
Revenue NY rev (1m)0.24%
Revenue NY rev (3m)2.72%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 9.46 | ||
| Fwd PE | 8.52 | ||
| P/S | 2.55 | ||
| P/FCF | 8.86 | ||
| P/OCF | 8.52 | ||
| P/B | 1.4 | ||
| P/tB | 1.57 | ||
| EV/EBITDA | N/A |
EPS(TTM)3.31
EY10.57%
EPS(NY)3.67
Fwd EY11.73%
FCF(TTM)3.53
FCFY11.28%
OCF(TTM)3.67
OCFY11.74%
SpS12.29
BVpS22.29
TBVpS19.9
PEG (NY)0.28
PEG (5Y)0.56
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 1.14% | ||
| ROE | 10.37% | ||
| ROCE | N/A | ||
| ROIC | N/A | ||
| ROICexc | N/A | ||
| ROICexgc | N/A | ||
| OM | N/A | ||
| PM (TTM) | 18.82% | ||
| GM | N/A | ||
| FCFM | 28.74% |
ROA(3y)1.52%
ROA(5y)1.57%
ROE(3y)13.82%
ROE(5y)15.57%
ROIC(3y)N/A
ROIC(5y)N/A
ROICexc(3y)N/A
ROICexc(5y)N/A
ROICexgc(3y)N/A
ROICexgc(5y)N/A
ROCE(3y)N/A
ROCE(5y)N/A
ROICexcg growth 3YN/A
ROICexcg growth 5YN/A
ROICexc growth 3YN/A
ROICexc growth 5YN/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y-11.38%
PM growth 5Y-1.96%
GM growth 3YN/A
GM growth 5YN/A
F-Score4
Asset Turnover0.06
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.03 | ||
| Debt/FCF | 0.21 | ||
| Debt/EBITDA | N/A | ||
| Cap/Depr | N/A | ||
| Cap/Sales | N/A | ||
| Interest Coverage | N/A | ||
| Cash Conversion | N/A | ||
| Profit Quality | 152.75% | ||
| Current Ratio | N/A | ||
| Quick Ratio | N/A | ||
| Altman-Z | N/A |
F-Score4
WACC15.63%
ROIC/WACCN/A
Cap/Depr(3y)427.12%
Cap/Depr(5y)263.77%
Cap/Sales(3y)1.13%
Cap/Sales(5y)0.72%
Profit Quality(3y)117.04%
Profit Quality(5y)140.31%
High Growth Momentum
Growth
EPS 1Y (TTM)37.34%
EPS 3Y-2.29%
EPS 5Y16.89%
EPS Q2Q%44.07%
EPS Next Y33.78%
EPS Next 2Y17.95%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)30.6%
Revenue growth 3Y3.62%
Revenue growth 5Y15.14%
Sales Q2Q%38.24%
Revenue Next Year33.43%
Revenue Next 2Y19.75%
Revenue Next 3YN/A
Revenue Next 5YN/A
EBIT growth 1YN/A
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y20.02%
FCF growth 3Y-37.17%
FCF growth 5YN/A
OCF growth 1Y15.82%
OCF growth 3Y-35.82%
OCF growth 5YN/A