30.72 USD
+0.3 (+0.99%)
At close: Jan 30, 2026
30.72 USD
0 (0%)
After Hours: 1/30/2026, 8:00:02 PM
Overall CBNK gets a fundamental rating of 5 out of 10. We evaluated CBNK against 383 industry peers in the Banks industry. CBNK has an average financial health and profitability rating. CBNK has a decent growth rate and is not valued too expensively.
1. Profitability
1.1 Basic Checks
- CBNK had positive earnings in the past year.
- CBNK had a positive operating cash flow in the past year.
- Each year in the past 5 years CBNK has been profitable.
- CBNK had a positive operating cash flow in 4 of the past 5 years.
1.2 Ratios
- The Return On Assets of CBNK (1.47%) is better than 87.21% of its industry peers.
- CBNK has a better Return On Equity (12.58%) than 84.60% of its industry peers.
| Industry Rank | Sector 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
1.3 Margins
- CBNK has a Profit Margin of 20.81%. This is in the lower half of the industry: CBNK underperforms 64.75% of its industry peers.
- CBNK's Profit Margin has improved in the last couple of years.
- 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) | 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
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 less shares outstanding than it did 1 year ago.
- CBNK has more shares outstanding than it did 5 years ago.
- Compared to 1 year ago, CBNK has an improved debt to assets ratio.
2.2 Solvency
- There is no outstanding debt for CBNK. This means it has a Debt/Equity and Debt/FCF ratio of 0 and it is amongst the best of the sector and industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0 | ||
| Debt/FCF | 0.16 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC15.79%
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 27.27%, which is quite impressive.
- CBNK shows quite a strong growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 12.43% yearly.
- CBNK shows a strong growth in Revenue. In the last year, the Revenue has grown by 31.71%.
- 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 4.23% on average per year.
- Based on estimates for the next years, CBNK will show a small growth in Revenue. The Revenue will grow by 7.47% on average per year.
EPS Next Y0.16%
EPS Next 2Y4.23%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year6.38%
Revenue Next 2Y7.47%
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.
- When comparing the Revenue growth rate of the last years to the growth rate of the upcoming years, we see that the growth is decreasing.
4. Valuation
4.1 Price/Earnings Ratio
- Based on the Price/Earnings ratio of 9.14, the valuation of CBNK can be described as reasonable.
- Compared to the rest of the industry, the Price/Earnings ratio of CBNK indicates a rather cheap valuation: CBNK is cheaper than 89.30% of the companies listed in the same industry.
- The average S&P500 Price/Earnings ratio is at 28.30. CBNK is valued rather cheaply when compared to this.
- The Price/Forward Earnings ratio is 9.13, which indicates a very decent valuation of CBNK.
- CBNK's Price/Forward Earnings ratio is a bit cheaper when compared to the industry. CBNK is cheaper than 79.63% of the companies in the same industry.
- CBNK is valuated cheaply when we compare the Price/Forward Earnings ratio to 25.57, which is the current average of the S&P500 Index.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 9.14 | ||
| Fwd PE | 9.13 |
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 86.95% of the companies listed in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 6.93 | ||
| EV/EBITDA | N/A |
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)58.68
PEG (5Y)0.74
EPS Next 2Y4.23%
EPS Next 3YN/A
5. Dividend
5.1 Amount
- CBNK has a Yearly Dividend Yield of 1.51%.
- Compared to an average industry Dividend Yield of 2.70, CBNK is paying slightly less dividend.
- Compared to an average S&P500 Dividend Yield of 1.82, CBNK has a dividend comparable with the average S&P500 company.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 1.51% |
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
5.3 Sustainability
- CBNK pays out 14.04% of its income as dividend. This is a sustainable payout ratio.
DP14.04%
EPS Next 2Y4.23%
EPS Next 3YN/A
CAPITAL BANCORP INC/MD / CBNK 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.
What is the profitability of CBNK stock?
CAPITAL BANCORP INC/MD (CBNK) has a profitability rating of 4 / 10.
What is the valuation of CAPITAL BANCORP INC/MD based on its PE and PB ratios?
The Price/Earnings (PE) ratio for CAPITAL BANCORP INC/MD (CBNK) is 9.14 and the Price/Book (PB) ratio is 1.29.
What is the expected EPS growth for CAPITAL BANCORP INC/MD (CBNK) stock?
The Earnings per Share (EPS) of CAPITAL BANCORP INC/MD (CBNK) is expected to grow by 0.16% in the next year.