CAPITAL BANCORP INC/MD (CBNK) Fundamental Analysis & Valuation

NASDAQ:CBNK • US1397371006

Current stock price

30.25 USD
+0.09 (+0.3%)
Last:

This CBNK fundamental analysis includes valuation metrics, fair value assessment, financial health analysis, profitability trends, growth metrics and dividend sustainability analysis.

4

1. CBNK Profitability Analysis

1.1 Basic Checks

  • In the past year CBNK was profitable.
  • In the past year CBNK had a positive cash flow from operations.
  • Each year in the past 5 years CBNK has been profitable.
  • Of the past 5 years CBNK 4 years had a positive operating cash flow.
CBNK Yearly Net Income VS EBIT VS OCF VS FCFCBNK Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 50M 100M

1.2 Ratios

  • CBNK's Return On Assets of 1.47% is amongst the best of the industry. CBNK outperforms 85.53% of its industry peers.
  • CBNK has a better Return On Equity (12.58%) than 83.95% of its industry peers.
Industry RankSector Rank
ROA 1.47%
ROE 12.58%
ROIC N/A
ROA(3y)1.39%
ROA(5y)1.62%
ROE(3y)12.34%
ROE(5y)15.18%
ROIC(3y)N/A
ROIC(5y)N/A
CBNK Yearly ROA, ROE, ROICCBNK Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 5 10 15 20

1.3 Margins

  • The Profit Margin of CBNK (20.81%) is worse than 68.95% of its industry peers.
  • In the last couple of years the Profit Margin of CBNK has grown nicely.
  • The Operating Margin and Gross Margin are not available for CBNK so they could not be analyzed.
Industry RankSector Rank
OM N/A
PM (TTM) 20.81%
GM N/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y-1.75%
PM growth 5Y3.94%
GM growth 3YN/A
GM growth 5YN/A
CBNK Yearly Profit, Operating, Gross MarginsCBNK Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 5 10 15 20

More info and screens

ROAROEROICOperating and Profit MarginShow most profitable peers

4

2. CBNK Health Analysis

2.1 Basic Checks

  • CBNK does not have a ROIC to compare to the WACC, probably because it is not profitable.
  • The number of shares outstanding for CBNK has been reduced compared to 1 year ago.
  • Compared to 5 years ago, CBNK has more shares outstanding
  • The debt/assets ratio for CBNK has been reduced compared to a year ago.
CBNK Yearly Shares OutstandingCBNK Yearly Shares OutstandingYearly Shares Outstanding 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 5M 10M 15M
CBNK Yearly Total Debt VS Total AssetsCBNK Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 1B 2B 3B

2.2 Solvency

  • CBNK has no outstanding debt. Therefor its Debt/Equity and Debt/FCF ratios are 0 and belong to the best of the industry.
Industry RankSector Rank
Debt/Equity 0
Debt/FCF 0.16
Altman-Z N/A
ROIC/WACCN/A
WACC16.04%
CBNK Yearly LT Debt VS Equity VS FCFCBNK Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 100M 200M 300M 400M

2.3 Liquidity

Industry RankSector Rank
Current Ratio N/A
Quick Ratio N/A
CBNK Yearly Current Assets VS Current LiabilitesCBNK Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 5M 10M 15M 20M

More info and screens

WACCDebt/EquityHow to determine the health of a companyAltman-Z scoreShow peers with great health

6

3. CBNK Growth Analysis

3.1 Past

  • The Earnings Per Share has grown by an impressive 27.27% over the past year.
  • Measured over the past years, CBNK shows a quite strong growth in Earnings Per Share. The EPS has been growing by 12.43% on average per year.
  • The Revenue has grown by 31.71% in the past year. This is a very strong growth!
  • Measured over the past years, CBNK shows a quite strong growth in Revenue. The Revenue has been growing by 12.81% on average per year.
EPS 1Y (TTM)27.27%
EPS 3Y5.03%
EPS 5Y12.43%
EPS Q2Q%-1.09%
Revenue 1Y (TTM)31.71%
Revenue growth 3Y12.98%
Revenue growth 5Y12.81%
Sales Q2Q%-3.82%

3.2 Future

  • Based on estimates for the next years, CBNK will show a small growth in Earnings Per Share. The EPS will grow by 5.35% on average per year.
  • The Revenue is expected to grow by 8.41% on average over the next years. This is quite good.
EPS Next Y2.31%
EPS Next 2Y5.35%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year8.31%
Revenue Next 2Y8.41%
Revenue Next 3YN/A
Revenue Next 5YN/A

3.3 Evolution

  • The EPS growth rate is decreasing: in the next years the growth will be less than in the last years.
  • The Revenue growth rate is decreasing: in the next years the growth will be less than in the last years.
CBNK Yearly Revenue VS EstimatesCBNK Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 50M 100M 150M 200M 250M
CBNK Yearly EPS VS EstimatesCBNK Yearly EPS VS EstimatesYearly EPS VS Estimates 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 1 2 3

More info and screens

Find the best growth stocksShow best growing peers

6

4. CBNK Valuation Analysis

4.1 Price/Earnings Ratio

  • Based on the Price/Earnings ratio of 9.00, the valuation of CBNK can be described as reasonable.
  • Based on the Price/Earnings ratio, CBNK is valued cheaply inside the industry as 87.37% of the companies are valued more expensively.
  • CBNK is valuated cheaply when we compare the Price/Earnings ratio to 25.51, which is the current average of the S&P500 Index.
  • A Price/Forward Earnings ratio of 8.80 indicates a reasonable valuation of CBNK.
  • Compared to the rest of the industry, the Price/Forward Earnings ratio of CBNK indicates a rather cheap valuation: CBNK is cheaper than 81.32% of the companies listed in the same industry.
  • CBNK is valuated cheaply when we compare the Price/Forward Earnings ratio to 22.76, which is the current average of the S&P500 Index.
Industry RankSector Rank
PE 9
Fwd PE 8.8
CBNK Price Earnings VS Forward Price EarningsCBNK Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 5 10 15 20 25

4.2 Price Multiples

  • Compared to the rest of the industry, the Price/Free Cash Flow ratio of CBNK indicates a rather cheap valuation: CBNK is cheaper than 86.58% of the companies listed in the same industry.
Industry RankSector Rank
P/FCF 6.77
EV/EBITDA N/A
CBNK Per share dataCBNK EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 5 10 15 20

4.3 Compensation for Growth

  • The high PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates an expensive valuation of the company.
PEG (NY)3.89
PEG (5Y)0.72
EPS Next 2Y5.35%
EPS Next 3YN/A

More info and screens

Price/EarningsPrice/FCFFCF per shareEV/EBITDAPEG RATIOShow best valued peers

4

5. CBNK Dividend Analysis

5.1 Amount

  • With a Yearly Dividend Yield of 1.57%, CBNK has a reasonable but not impressive dividend return.
  • CBNK's Dividend Yield is slightly below the industry average, which is at 2.66.
  • Compared to an average S&P500 Dividend Yield of 1.89, CBNK has a dividend comparable with the average S&P500 company.
Industry RankSector Rank
Dividend Yield 1.57%

5.2 History

  • CBNK has paid a dividend for at least 10 years, which is a reliable 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
CBNK Yearly Dividends per shareCBNK Yearly Dividends per shareYearly Dividends per share 2016 2021 2022 2023 2024 2025 2026 0.1 0.2 0.3 0.4

5.3 Sustainability

  • CBNK pays out 14.04% of its income as dividend. This is a sustainable payout ratio.
DP14.04%
EPS Next 2Y5.35%
EPS Next 3YN/A
CBNK Yearly Income VS Free CF VS DividendCBNK Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 50M 100M
CBNK Dividend Payout.CBNK Dividend Payout, showing the Payout Ratio.CBNK Dividend Payout.PayoutRetained Earnings

More info and screens

Find the best dividend stocksShow peers with best dividend

CBNK Fundamentals: All Metrics, Ratios and Statistics

CAPITAL BANCORP INC/MD

NASDAQ:CBNK (4/2/2026, 3:06:36 PM)

30.25

+0.09 (+0.3%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)01-26
Earnings (Next)04-16
Inst Owners41.01%
Inst Owner Change-2.72%
Ins Owners31.78%
Ins Owner Change3.56%
Market Cap495.49M
Revenue(TTM)245.18M
Net Income(TTM)49.67M
Analysts82.22
Price Target35.45 (17.19%)
Short Float %2.79%
Short Ratio5.3
Dividend
Industry RankSector Rank
Dividend Yield 1.57%
Yearly Dividend0.34
Dividend Growth(5Y)N/A
DP14.04%
Div Incr Years3
Div Non Decr Years3
Ex-Date02-09
Surprises & Revisions
EPS beat(2)0
Avg EPS beat(2)-10.5%
Min EPS beat(2)-15.69%
Max EPS beat(2)-5.3%
EPS beat(4)2
Avg EPS beat(4)9.43%
Min EPS beat(4)-15.69%
Max EPS beat(4)39.3%
EPS beat(8)3
Avg EPS beat(8)2.95%
EPS beat(12)5
Avg EPS beat(12)2.6%
EPS beat(16)9
Avg EPS beat(16)5.35%
Revenue beat(2)0
Avg Revenue beat(2)-5.58%
Min Revenue beat(2)-7.92%
Max Revenue beat(2)-3.25%
Revenue beat(4)2
Avg Revenue beat(4)-2.62%
Min Revenue beat(4)-7.92%
Max Revenue beat(4)0.66%
Revenue beat(8)2
Avg Revenue beat(8)-2.67%
Revenue beat(12)2
Avg Revenue beat(12)-3.08%
Revenue beat(16)2
Avg Revenue beat(16)-3.01%
PT rev (1m)0.24%
PT rev (3m)0.72%
EPS NQ rev (1m)0%
EPS NQ rev (3m)0%
EPS NY rev (1m)2.95%
EPS NY rev (3m)2.15%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)0.03%
Revenue NY rev (1m)0%
Revenue NY rev (3m)1.76%
Valuation
Industry RankSector Rank
PE 9
Fwd PE 8.8
P/S 2.08
P/FCF 6.77
P/OCF 6.42
P/B 1.26
P/tB 1.4
EV/EBITDA N/A
EPS(TTM)3.36
EY11.11%
EPS(NY)3.44
Fwd EY11.36%
FCF(TTM)4.47
FCFY14.77%
OCF(TTM)4.71
OCFY15.57%
SpS14.57
BVpS24.1
TBVpS21.6
PEG (NY)3.89
PEG (5Y)0.72
Graham Number42.69
Profitability
Industry RankSector Rank
ROA 1.47%
ROE 12.58%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) 20.81%
GM N/A
FCFM 30.67%
ROA(3y)1.39%
ROA(5y)1.62%
ROE(3y)12.34%
ROE(5y)15.18%
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
ROICexgc growth 3YN/A
ROICexgc growth 5YN/A
ROICexc growth 3YN/A
ROICexc growth 5YN/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y-1.75%
PM growth 5Y3.94%
GM growth 3YN/A
GM growth 5YN/A
F-Score9
Asset Turnover0.07
Health
Industry RankSector Rank
Debt/Equity 0
Debt/FCF 0.16
Debt/EBITDA N/A
Cap/Depr 162.95%
Cap/Sales 1.66%
Interest Coverage N/A
Cash Conversion N/A
Profit Quality 147.39%
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score9
WACC16.04%
ROIC/WACCN/A
Cap/Depr(3y)N/A
Cap/Depr(5y)N/A
Cap/Sales(3y)N/A
Cap/Sales(5y)N/A
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)27.27%
EPS 3Y5.03%
EPS 5Y12.43%
EPS Q2Q%-1.09%
EPS Next Y2.31%
EPS Next 2Y5.35%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)31.71%
Revenue growth 3Y12.98%
Revenue growth 5Y12.81%
Sales Q2Q%-3.82%
Revenue Next Year8.31%
Revenue Next 2Y8.41%
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 1Y373.95%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y406.38%
OCF growth 3YN/A
OCF growth 5YN/A

CAPITAL BANCORP INC/MD / CBNK Fundamental Analysis FAQ

What is the fundamental rating for CBNK stock?

ChartMill assigns a fundamental rating of 5 / 10 to CBNK.


What is the valuation status of CAPITAL BANCORP INC/MD (CBNK) stock?

ChartMill assigns a valuation rating of 6 / 10 to CAPITAL BANCORP INC/MD (CBNK). This can be considered as Fairly Valued.


How profitable is CAPITAL BANCORP INC/MD (CBNK) stock?

CAPITAL BANCORP INC/MD (CBNK) has a profitability rating of 4 / 10.


What are the PE and PB ratios of CAPITAL BANCORP INC/MD (CBNK) stock?

The Price/Earnings (PE) ratio for CAPITAL BANCORP INC/MD (CBNK) is 9 and the Price/Book (PB) ratio is 1.26.


Is the dividend of CAPITAL BANCORP INC/MD sustainable?

The dividend rating of CAPITAL BANCORP INC/MD (CBNK) is 4 / 10 and the dividend payout ratio is 14.04%.