CAPITAL BANCORP INC/MD (CBNK) Stock Fundamental Analysis
NASDAQ:CBNK - Nasdaq - US1397371006 - Common Stock - Currency: USD
Overall CBNK gets a fundamental rating of 4 out of 10. We evaluated CBNK against 398 industry peers in the Banks industry. While CBNK seems to be doing ok healthwise, there are quite some concerns on its profitability. CBNK has a decent growth rate and is not valued too expensively.
1. Profitability
1.1 Basic Checks
In the past year CBNK was profitable.
In the past year CBNK had a positive cash flow from operations.
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 better Return On Assets (0.97%) than 63.82% of its industry peers.
CBNK has a Return On Equity (8.72%) which is in line with its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.97% | ||
| ROE | 8.72% | ||
| 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 16.64%. This is in the lower half of the industry: CBNK underperforms 72.11% of its industry peers.
In the last couple of years the Profit Margin of CBNK has declined.
The Operating Margin and Gross Margin are not available for CBNK so they could not be analyzed.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | N/A | ||
| PM (TTM) | 16.64% | ||
| 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.
CBNK has more shares outstanding than it did 1 year ago.
CBNK has more shares outstanding than it did 5 years ago.
The debt/assets ratio for CBNK has been reduced compared to a year ago.
2.2 Solvency
The Debt to FCF ratio of CBNK is 0.37, which is an excellent value as it means it would take CBNK, only 0.37 years of fcf income to pay off all of its debts.
Looking at the Debt to FCF ratio, with a value of 0.37, CBNK belongs to the top of the industry, outperforming 85.43% of the companies in the same industry.
CBNK has a Debt/Equity ratio of 0.03. This is a healthy value indicating a solid balance between debt and equity.
CBNK's Debt to Equity ratio of 0.03 is amongst the best of the industry. CBNK outperforms 85.18% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.03 | ||
| Debt/FCF | 0.37 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC16.37%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
CBNK shows a small growth in Earnings Per Share. In the last year, the EPS has grown by 3.53%.
Measured over the past years, CBNK shows a quite strong growth in Earnings Per Share. The EPS has been growing by 16.89% on average per year.
Looking at the last year, CBNK shows a quite strong growth in Revenue. The Revenue has grown by 11.80% in the last year.
The Revenue has been growing by 15.14% on average over the past years. This is quite good.
EPS 1Y (TTM)3.53%
EPS 3Y-2.29%
EPS 5Y16.89%
EPS Q2Q%41.54%
Revenue 1Y (TTM)11.8%
Revenue growth 3Y3.62%
Revenue growth 5Y15.14%
Sales Q2Q%37.76%
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 16.00% on average per year.
The Revenue is expected to grow by 18.60% on average over the next years. This is quite good.
EPS Next Y23.44%
EPS Next 2Y16%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year29.9%
Revenue Next 2Y18.6%
Revenue Next 3YN/A
Revenue Next 5YN/A
3.3 Evolution
The EPS growth rate is stable: in the next years the growth will be about the same than in the last years.
The Revenue growth rate is accelerating: in the next years the growth will be better than in the last years.
4. Valuation
4.1 Price/Earnings Ratio
Based on the Price/Earnings ratio of 10.76, the valuation of CBNK can be described as reasonable.
63.82% of the companies in the same industry are more expensive than CBNK, based on the Price/Earnings ratio.
CBNK's Price/Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 28.92.
A Price/Forward Earnings ratio of 8.72 indicates a reasonable valuation of CBNK.
CBNK's Price/Forward Earnings ratio is a bit cheaper when compared to the industry. CBNK is cheaper than 68.09% of the companies in the same industry.
CBNK's Price/Forward Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 21.65.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 10.76 | ||
| Fwd PE | 8.72 |
4.2 Price Multiples
Based on the Price/Free Cash Flow ratio, CBNK is valued a bit more expensive than the industry average as 60.30% of the companies are valued more cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 14.45 | ||
| 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 16.00% in the coming years.
PEG (NY)0.46
PEG (5Y)0.64
EPS Next 2Y16%
EPS Next 3YN/A
5. Dividend
5.1 Amount
CBNK has a Yearly Dividend Yield of 1.35%.
With a Dividend Yield of 1.35, CBNK pays less dividend than the industry average, which is at 3.63. 80.40% of the companies listed in the same industry pay a better dividend than CBNK!
Compared to an average S&P500 Dividend Yield of 2.51, 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
CBNK pays out 17.03% of its income as dividend. This is a sustainable payout ratio.
DP17.03%
EPS Next 2Y16%
EPS Next 3YN/A
28.415
+0.16 (+0.58%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners36.98%
Inst Owner Change-0.13%
Ins Owners26.26%
Ins Owner Change2.41%
Market Cap473.39M
Analysts84
Price Target34.94 (22.96%)
Short Float %1.81%
Short Ratio4.2
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 1.35% |
Yearly Dividend0.34
Dividend Growth(5Y)N/A
DP17.03%
Div Incr Years3
Div Non Decr Years3
Ex-Date
Surprises & Revisions
EPS beat(2)1
Avg EPS beat(2)17.05%
Min EPS beat(2)-5.19%
Max EPS beat(2)39.3%
EPS beat(4)1
Avg EPS beat(4)5.69%
Min EPS beat(4)-8.57%
Max EPS beat(4)39.3%
EPS beat(8)4
Avg EPS beat(8)6.5%
EPS beat(12)7
Avg EPS beat(12)7.07%
EPS beat(16)11
Avg EPS beat(16)10.44%
Revenue beat(2)1
Avg Revenue beat(2)-0.93%
Min Revenue beat(2)-2.53%
Max Revenue beat(2)0.66%
Revenue beat(4)1
Avg Revenue beat(4)-0.97%
Min Revenue beat(4)-2.53%
Max Revenue beat(4)0.66%
Revenue beat(8)1
Avg Revenue beat(8)-2.1%
Revenue beat(12)1
Avg Revenue beat(12)-2.92%
Revenue beat(16)3
Avg Revenue beat(16)-1.74%
PT rev (1m)-1.39%
PT rev (3m)10.94%
EPS NQ rev (1m)-1.7%
EPS NQ rev (3m)5.86%
EPS NY rev (1m)-2.22%
EPS NY rev (3m)2.82%
Revenue NQ rev (1m)-1.67%
Revenue NQ rev (3m)1.73%
Revenue NY rev (1m)-1.79%
Revenue NY rev (3m)1.01%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 10.76 | ||
| Fwd PE | 8.72 | ||
| P/S | 2.54 | ||
| P/FCF | 14.45 | ||
| P/OCF | 13.55 | ||
| P/B | 1.33 | ||
| P/tB | 1.49 | ||
| EV/EBITDA | N/A |
EPS(TTM)2.64
EY9.29%
EPS(NY)3.26
Fwd EY11.47%
FCF(TTM)1.97
FCFY6.92%
OCF(TTM)2.1
OCFY7.38%
SpS11.17
BVpS21.32
TBVpS19.1
PEG (NY)0.46
PEG (5Y)0.64
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.97% | ||
| ROE | 8.72% | ||
| ROCE | N/A | ||
| ROIC | N/A | ||
| ROICexc | N/A | ||
| ROICexgc | N/A | ||
| OM | N/A | ||
| PM (TTM) | 16.64% | ||
| GM | N/A | ||
| FCFM | 17.6% |
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-Score5
Asset Turnover0.06
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.03 | ||
| Debt/FCF | 0.37 | ||
| Debt/EBITDA | N/A | ||
| Cap/Depr | 215.92% | ||
| Cap/Sales | 1.16% | ||
| Interest Coverage | N/A | ||
| Cash Conversion | N/A | ||
| Profit Quality | 105.8% | ||
| Current Ratio | N/A | ||
| Quick Ratio | N/A | ||
| Altman-Z | N/A |
F-Score5
WACC16.37%
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)3.53%
EPS 3Y-2.29%
EPS 5Y16.89%
EPS Q2Q%41.54%
EPS Next Y23.44%
EPS Next 2Y16%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)11.8%
Revenue growth 3Y3.62%
Revenue growth 5Y15.14%
Sales Q2Q%37.76%
Revenue Next Year29.9%
Revenue Next 2Y18.6%
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 1Y-27.6%
FCF growth 3Y-37.17%
FCF growth 5YN/A
OCF growth 1Y-26.34%
OCF growth 3Y-35.82%
OCF growth 5YN/A