CAPITAL BANCORP INC/MD (CBNK) Stock Fundamental Analysis
NASDAQ:CBNK • US1397371006
31.79 USD
+0.23 (+0.73%)
At close: Feb 13, 2026
31.79 USD
0 (0%)
After Hours: 2/13/2026, 8:00:02 PM
Overall CBNK gets a fundamental rating of 4 out of 10. We evaluated CBNK against 381 industry peers in the Banks industry. Both the profitability and the financial health of CBNK get a neutral evaluation. Nothing too spectacular is happening here. CBNK has a correct valuation and a medium growth rate.
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.
- CBNK had positive earnings in each of the past 5 years.
- Of the past 5 years CBNK 4 years had a positive operating cash flow.
1.2 Ratios
- With an excellent Return On Assets value of 1.47%, CBNK belongs to the best of the industry, outperforming 87.93% of the companies in the same industry.
- Looking at the Return On Equity, with a value of 12.58%, CBNK belongs to the top of the industry, outperforming 84.51% of the companies in the same industry.
| 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
- With a Profit Margin value of 20.81%, CBNK is not doing good in the industry: 65.09% of the companies in the same industry are doing better.
- 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 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.
- Compared to 5 years ago, CBNK has more shares outstanding
- CBNK has a better debt/assets ratio than last year.
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
WACC15.42%
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.
- 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.
- Looking at the last year, CBNK shows a very strong growth in Revenue. The Revenue has grown by 31.71%.
- CBNK shows quite a strong growth in Revenue. Measured over the last years, the Revenue has been growing by 12.81% yearly.
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
- The Earnings Per Share is expected to grow by 4.24% on average over the next years.
- CBNK is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 7.85% yearly.
EPS Next Y-0.62%
EPS Next 2Y4.24%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year7.04%
Revenue Next 2Y7.85%
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 9.46, 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 87.93% of the companies listed in the same industry.
- When comparing the Price/Earnings ratio of CBNK to the average of the S&P500 Index (26.68), we can say CBNK is valued rather cheaply.
- CBNK is valuated reasonably with a Price/Forward Earnings ratio of 9.52.
- Based on the Price/Forward Earnings ratio, CBNK is valued a bit cheaper than the industry average as 76.12% of the companies are valued more expensively.
- CBNK is valuated cheaply when we compare the Price/Forward Earnings ratio to 28.06, which is the current average of the S&P500 Index.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 9.46 | ||
| Fwd PE | 9.52 |
4.2 Price Multiples
- CBNK's Price/Free Cash Flow ratio is rather cheap when compared to the industry. CBNK is cheaper than 87.66% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 7.11 | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
PEG (NY)N/A
PEG (5Y)0.76
EPS Next 2Y4.24%
EPS Next 3YN/A
5. Dividend
5.1 Amount
- With a Yearly Dividend Yield of 1.46%, CBNK has a reasonable but not impressive dividend return.
- Compared to an average industry Dividend Yield of 2.78, CBNK is paying slightly less dividend.
- Compared to the average S&P500 Dividend Yield of 1.84, CBNK is paying slightly less dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 1.46% |
5.2 History
- CBNK has been paying a dividend for at least 10 years, so it has 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
- 14.04% of the earnings are spent on dividend by CBNK. This is a low number and sustainable payout ratio.
DP14.04%
EPS Next 2Y4.24%
EPS Next 3YN/A
31.79
+0.23 (+0.73%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)01-26 2026-01-26/amc
Earnings (Next)04-27 2026-04-27
Inst Owners42.51%
Inst Owner Change-94.62%
Ins Owners31.51%
Ins Owner Change2.63%
Market Cap520.72M
Revenue(TTM)245.18M
Net Income(TTM)49.67M
Analysts82.22
Price Target35.36 (11.23%)
Short Float %2.62%
Short Ratio6.16
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 1.46% |
Yearly Dividend0.34
Dividend Growth(5Y)N/A
DP14.04%
Div Incr Years3
Div Non Decr Years3
Ex-Date02-09 2026-02-09 (0.12)
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)0.48%
PT rev (3m)-5.67%
EPS NQ rev (1m)0%
EPS NQ rev (3m)-0.63%
EPS NY rev (1m)-0.78%
EPS NY rev (3m)-2.06%
Revenue NQ rev (1m)0.03%
Revenue NQ rev (3m)0.07%
Revenue NY rev (1m)0.57%
Revenue NY rev (3m)0.15%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 9.46 | ||
| Fwd PE | 9.52 | ||
| P/S | 2.18 | ||
| P/FCF | 7.11 | ||
| P/OCF | 6.75 | ||
| P/B | 1.32 | ||
| P/tB | 1.47 | ||
| EV/EBITDA | N/A |
EPS(TTM)3.36
EY10.57%
EPS(NY)3.34
Fwd EY10.5%
FCF(TTM)4.47
FCFY14.06%
OCF(TTM)4.71
OCFY14.82%
SpS14.57
BVpS24.1
TBVpS21.6
PEG (NY)N/A
PEG (5Y)0.76
Graham Number42.69
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)1.39%
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 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
WACC15.42%
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 Y-0.62%
EPS Next 2Y4.24%
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 Year7.04%
Revenue Next 2Y7.85%
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 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 9.46 and the Price/Book (PB) ratio is 1.32.
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 decline by -0.62% in the next year.