29.07 USD
-0.47 (-1.59%)
29.07 USD
0 (0%)
CBNK gets a fundamental rating of 5 out of 10. The analysis compared the fundamentals against 383 industry peers in the Banks industry. CBNK has only an average score on both its financial health and profitability. CBNK is growing strongly while it also seems undervalued. This is an interesting 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.
- In the past 5 years CBNK has always been profitable.
- CBNK had a positive operating cash flow in each of the past 5 years.
1.2 Ratios
- With an excellent Return On Assets value of 1.47%, CBNK belongs to the best of the industry, outperforming 87.21% of the companies in the same industry.
- 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)1.52%
ROA(5y)1.57%
ROE(3y)13.82%
ROE(5y)15.57%
ROIC(3y)N/A
ROIC(5y)N/A
1.3 Margins
- With a Profit Margin value of 20.81%, CBNK is not doing good in the industry: 64.75% of the companies in the same industry are doing better.
- 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) | 20.81% | ||
| 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.
- Compared to 5 years ago, CBNK has more shares outstanding
- Compared to 1 year ago, CBNK has an improved debt to assets ratio.
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 Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0 | ||
| Debt/FCF | 0.16 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC16.13%
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 42.19%, 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.
- CBNK shows a strong growth in Revenue. In the last year, the Revenue has grown by 39.79%.
- CBNK shows quite a strong growth in Revenue. Measured over the last years, the Revenue has been growing by 15.14% yearly.
EPS 1Y (TTM)42.19%
EPS 3Y-2.29%
EPS 5Y16.89%
EPS Q2Q%9.09%
Revenue 1Y (TTM)39.79%
Revenue growth 3Y3.62%
Revenue growth 5Y15.14%
Sales Q2Q%29.97%
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 11.41% on average per year.
- The Revenue is expected to grow by 14.83% on average over the next years. This is quite good.
EPS Next Y25%
EPS Next 2Y12.9%
EPS Next 3Y11.41%
EPS Next 5YN/A
Revenue Next Year31%
Revenue Next 2Y18.08%
Revenue Next 3Y14.83%
Revenue Next 5YN/A
3.3 Evolution
- The estimated forward EPS growth is still strong, although it is decreasing when compared to the stronger growth in the past years.
- The Revenue growth rate is stable: in the next years the growth will be about the same than in the last years.
4. Valuation
4.1 Price/Earnings Ratio
- CBNK is valuated reasonably with a Price/Earnings ratio of 8.63.
- Based on the Price/Earnings ratio, CBNK is valued cheaper than 91.64% of the companies in the same industry.
- When comparing the Price/Earnings ratio of CBNK to the average of the S&P500 Index (26.94), we can say CBNK is valued rather cheaply.
- Based on the Price/Forward Earnings ratio of 8.64, the valuation of CBNK can be described as reasonable.
- Compared to the rest of the industry, the Price/Forward Earnings ratio of CBNK indicates a rather cheap valuation: CBNK is cheaper than 81.98% of the companies listed in the same industry.
- CBNK is valuated cheaply when we compare the Price/Forward Earnings ratio to 23.94, which is the current average of the S&P500 Index.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 8.63 | ||
| Fwd PE | 8.64 |
4.2 Price Multiples
- 87.99% 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 | 6.56 | ||
| 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.
PEG (NY)0.35
PEG (5Y)0.51
EPS Next 2Y12.9%
EPS Next 3Y11.41%
5. Dividend
5.1 Amount
- CBNK has a Yearly Dividend Yield of 1.48%.
- Compared to an average industry Dividend Yield of 2.85, CBNK is paying slightly less dividend.
- CBNK's Dividend Yield is comparable with the S&P500 average which is at 1.83.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 1.48% |
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
- 14.04% of the earnings are spent on dividend by CBNK. This is a low number and sustainable payout ratio.
DP14.04%
EPS Next 2Y12.9%
EPS Next 3Y11.41%
29.07
-0.47 (-1.59%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)10-27 2025-10-27/amc
Earnings (Next)01-28 2026-01-28/amc
Inst Owners42.51%
Inst Owner Change-0.02%
Ins Owners31.51%
Ins Owner Change2.66%
Market Cap480.24M
Revenue(TTM)238.68M
Net Income(TTM)49.67M
Analysts84
Price Target35.19 (21.05%)
Short Float %2.76%
Short Ratio6.43
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 1.48% |
Yearly Dividend0.34
Dividend Growth(5Y)N/A
DP14.04%
Div Incr Years3
Div Non Decr Years3
Ex-DateN/A
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%
PT rev (3m)-9.21%
EPS NQ rev (1m)0%
EPS NQ rev (3m)-5.68%
EPS NY rev (1m)0%
EPS NY rev (3m)-6.56%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)-2.94%
Revenue NY rev (1m)0%
Revenue NY rev (3m)-1.79%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 8.63 | ||
| Fwd PE | 8.64 | ||
| P/S | 2.01 | ||
| P/FCF | 6.56 | ||
| P/OCF | 6.22 | ||
| P/B | 1.22 | ||
| P/tB | 1.36 | ||
| EV/EBITDA | N/A |
EPS(TTM)3.37
EY11.59%
EPS(NY)3.37
Fwd EY11.58%
FCF(TTM)4.43
FCFY15.24%
OCF(TTM)4.67
OCFY16.07%
SpS14.45
BVpS23.9
TBVpS21.41
PEG (NY)0.35
PEG (5Y)0.51
Graham Number42.57
Profitability
| Industry Rank | Sector 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)1.52%
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
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-11.38%
PM growth 5Y-1.96%
GM growth 3YN/A
GM growth 5YN/A
F-Score9
Asset Turnover0.07
Health
| Industry Rank | Sector 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
WACC16.13%
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)42.19%
EPS 3Y-2.29%
EPS 5Y16.89%
EPS Q2Q%9.09%
EPS Next Y25%
EPS Next 2Y12.9%
EPS Next 3Y11.41%
EPS Next 5YN/A
Revenue 1Y (TTM)39.79%
Revenue growth 3Y3.62%
Revenue growth 5Y15.14%
Sales Q2Q%29.97%
Revenue Next Year31%
Revenue Next 2Y18.08%
Revenue Next 3Y14.83%
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 1Y65.99%
FCF growth 3Y-37.17%
FCF growth 5YN/A
OCF growth 1Y63.5%
OCF growth 3Y-35.82%
OCF growth 5YN/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 7 / 10 to CAPITAL BANCORP INC/MD (CBNK). This can be considered as Undervalued.
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 8.63 and the Price/Book (PB) ratio is 1.22.
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 25% in the next year.