CAPITAL BANCORP INC/MD (CBNK) Stock Fundamental Analysis
NASDAQ:CBNK - Nasdaq - US1397371006 - Common Stock - Currency: USD
Taking everything into account, CBNK scores 5 out of 10 in our fundamental rating. CBNK was compared to 395 industry peers in the Banks industry. The financial health of CBNK is average, but there are quite some concerns on its profitability. CBNK is growing strongly while it is still valued neutral. This is a good combination!
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.
Each year in the past 5 years CBNK has been profitable.
CBNK had a positive operating cash flow in each of the past 5 years.
1.2 Ratios
CBNK has a better Return On Assets (1.14%) than 76.46% of its industry peers.
CBNK has a better Return On Equity (10.37%) than 70.89% of its industry peers.
| 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
Looking at the Profit Margin, with a value of 18.82%, CBNK is doing worse than 66.84% of the companies in the same industry.
CBNK's Profit Margin has declined 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) | 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.
The Debt to FCF ratio of CBNK (0.21) is better than 87.09% of its industry peers.
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 84.30% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.03 | ||
| Debt/FCF | 0.21 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC15.22%
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 27.78%, 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 16.89% yearly.
The Revenue has grown by 22.04% 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 15.14% on average per year.
EPS 1Y (TTM)27.78%
EPS 3Y-2.29%
EPS 5Y16.89%
EPS Q2Q%74.47%
Revenue 1Y (TTM)22.04%
Revenue growth 3Y3.62%
Revenue growth 5Y15.14%
Sales Q2Q%42.99%
3.2 Future
The Earnings Per Share is expected to grow by 17.95% on average over the next years. This is quite good.
CBNK is expected to show quite a strong growth in Revenue. In the coming years, the Revenue will grow by 19.80% yearly.
EPS Next Y33.78%
EPS Next 2Y17.95%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year33.12%
Revenue Next 2Y19.8%
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.
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
Based on the Price/Earnings ratio of 11.61, the valuation of CBNK can be described as reasonable.
CBNK's Price/Earnings ratio is a bit cheaper when compared to the industry. CBNK is cheaper than 64.81% of the companies in the same industry.
Compared to an average S&P500 Price/Earnings ratio of 27.28, CBNK is valued rather cheaply.
With a Price/Forward Earnings ratio of 9.45, the valuation of CBNK can be described as very reasonable.
Compared to the rest of the industry, the Price/Forward Earnings ratio of CBNK indicates a somewhat cheap valuation: CBNK is cheaper than 63.80% of the companies listed 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 21.76.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 11.61 | ||
| Fwd PE | 9.45 |
4.2 Price Multiples
65.06% of the companies in the same industry are more expensive than CBNK, based on the Price/Free Cash Flow ratio.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 9.87 | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
CBNK's 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)0.34
PEG (5Y)0.69
EPS Next 2Y17.95%
EPS Next 3YN/A
5. Dividend
5.1 Amount
CBNK has a Yearly Dividend Yield of 1.20%.
With a Dividend Yield of 1.20, CBNK pays less dividend than the industry average, which is at 3.47. 80.76% of the companies listed in the same industry pay a better dividend than CBNK!
Compared to an average S&P500 Dividend Yield of 2.42, CBNK's dividend is way lower than the S&P500 average.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 1.2% |
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
34.7
+0.46 (+1.34%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners39.35%
Inst Owner Change4.1%
Ins Owners30.37%
Ins Owner Change0.83%
Market Cap578.10M
Analysts84
Price Target36.21 (4.35%)
Short Float %2.47%
Short Ratio3.88
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 1.2% |
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)25.28%
Min EPS beat(2)11.27%
Max EPS beat(2)39.3%
EPS beat(4)2
Avg EPS beat(4)10.65%
Min EPS beat(4)-5.19%
Max EPS beat(4)39.3%
EPS beat(8)4
Avg EPS beat(8)5.89%
EPS beat(12)7
Avg EPS beat(12)6.43%
EPS beat(16)11
Avg EPS beat(16)10.35%
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)1.43%
PT rev (3m)0%
EPS NQ rev (1m)0%
EPS NQ rev (3m)8.72%
EPS NY rev (1m)0%
EPS NY rev (3m)6.95%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)2.41%
Revenue NY rev (1m)0%
Revenue NY rev (3m)0.59%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 11.61 | ||
| Fwd PE | 9.45 | ||
| P/S | 2.84 | ||
| P/FCF | 9.87 | ||
| P/OCF | 9.49 | ||
| P/B | 1.56 | ||
| P/tB | 1.75 | ||
| EV/EBITDA | N/A |
EPS(TTM)2.99
EY8.62%
EPS(NY)3.67
Fwd EY10.58%
FCF(TTM)3.52
FCFY10.13%
OCF(TTM)3.66
OCFY10.54%
SpS12.23
BVpS22.18
TBVpS19.8
PEG (NY)0.34
PEG (5Y)0.69
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
WACC15.22%
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)27.78%
EPS 3Y-2.29%
EPS 5Y16.89%
EPS Q2Q%74.47%
EPS Next Y33.78%
EPS Next 2Y17.95%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)22.04%
Revenue growth 3Y3.62%
Revenue growth 5Y15.14%
Sales Q2Q%42.99%
Revenue Next Year33.12%
Revenue Next 2Y19.8%
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