28.14 USD
+0.06 (+0.21%)
28.14 USD
0 (0%)
We assign a fundamental rating of 5 out of 10 to CBNK. CBNK was compared to 387 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.
In the past 5 years CBNK always reported a positive cash flow from operatings.
1.2 Ratios
CBNK has a better Return On Assets (1.28%) than 81.91% of its industry peers.
With a decent Return On Equity value of 11.39%, CBNK is doing good in the industry, outperforming 77.78% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 1.28% | ||
| ROE | 11.39% | ||
| 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
CBNK has a Profit Margin of 19.62%. This is in the lower half of the industry: CBNK underperforms 66.41% of its industry peers.
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) | 19.62% | ||
| 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.
The debt/assets ratio for CBNK has been reduced compared to a year ago.
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 | 0.29 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC16.1%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
The Earnings Per Share has grown by an impressive 42.19% over the past year.
CBNK shows quite a strong growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 16.89% yearly.
Looking at the last year, CBNK shows a very strong growth in Revenue. 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 11.58% on average per year.
CBNK is expected to show quite a strong growth in Revenue. In the coming years, the Revenue will grow by 14.85% yearly.
EPS Next Y26.32%
EPS Next 2Y13.64%
EPS Next 3Y11.58%
EPS Next 5YN/A
Revenue Next Year31.67%
Revenue Next 2Y18.33%
Revenue Next 3Y14.85%
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.
When comparing the Revenue growth rate of the last years to the growth rate of the upcoming years, we see that the growth is stable.
4. Valuation
4.1 Price/Earnings Ratio
The Price/Earnings ratio is 8.35, which indicates a very decent valuation of CBNK.
CBNK's Price/Earnings ratio is rather cheap when compared to the industry. CBNK is cheaper than 92.51% of the companies in the same industry.
CBNK's Price/Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 26.15.
CBNK is valuated reasonably with a Price/Forward Earnings ratio of 8.25.
Based on the Price/Forward Earnings ratio, CBNK is valued cheaper than 83.20% of the companies in the same industry.
When comparing the Price/Forward Earnings ratio of CBNK to the average of the S&P500 Index (36.12), we can say CBNK is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 8.35 | ||
| Fwd PE | 8.25 |
4.2 Price Multiples
The rest of the industry has a similar Price/Free Cash Flow ratio as CBNK.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 11.18 | ||
| 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.
PEG (NY)0.32
PEG (5Y)0.49
EPS Next 2Y13.64%
EPS Next 3Y11.58%
5. Dividend
5.1 Amount
With a Yearly Dividend Yield of 1.65%, CBNK has a reasonable but not impressive dividend return.
CBNK's Dividend Yield is slightly below the industry average, which is at 3.33.
CBNK's Dividend Yield is slightly below the S&P500 average, which is at 2.41.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 1.65% |
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
CBNK pays out 14.73% of its income as dividend. This is a sustainable payout ratio.
DP14.73%
EPS Next 2Y13.64%
EPS Next 3Y11.58%
28.14
+0.06 (+0.21%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners42.19%
Inst Owner Change-0.53%
Ins Owners30.51%
Ins Owner Change2.07%
Market Cap466.56M
Revenue(TTM)238.68M
Net Income(TTM)43.27M
Analysts84
Price Target35.19 (25.05%)
Short Float %2.31%
Short Ratio5.58
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 1.65% |
Yearly Dividend0.34
Dividend Growth(5Y)N/A
DP14.73%
Div Incr Years3
Div Non Decr Years3
Ex-Date
Surprises & Revisions
EPS beat(2)1
Avg EPS beat(2)7.05%
Min EPS beat(2)-5.3%
Max EPS beat(2)19.41%
EPS beat(4)2
Avg EPS beat(4)12.05%
Min EPS beat(4)-5.3%
Max EPS beat(4)39.3%
EPS beat(8)4
Avg EPS beat(8)6.9%
EPS beat(12)6
Avg EPS beat(12)4.22%
EPS beat(16)10
Avg EPS beat(16)8.18%
Revenue beat(2)1
Avg Revenue beat(2)-1.61%
Min Revenue beat(2)-3.25%
Max Revenue beat(2)0.03%
Revenue beat(4)2
Avg Revenue beat(4)-1.27%
Min Revenue beat(4)-3.25%
Max Revenue beat(4)0.66%
Revenue beat(8)2
Avg Revenue beat(8)-1.73%
Revenue beat(12)2
Avg Revenue beat(12)-2.89%
Revenue beat(16)3
Avg Revenue beat(16)-2.02%
PT rev (1m)-9.21%
PT rev (3m)-9.21%
EPS NQ rev (1m)0%
EPS NQ rev (3m)-7.74%
EPS NY rev (1m)-3.55%
EPS NY rev (3m)-5.58%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)-1.94%
Revenue NY rev (1m)-0.41%
Revenue NY rev (3m)-1.29%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 8.35 | ||
| Fwd PE | 8.25 | ||
| P/S | 2.12 | ||
| P/FCF | 11.18 | ||
| P/OCF | 10.65 | ||
| P/B | 1.23 | ||
| P/tB | 1.36 | ||
| EV/EBITDA | N/A |
EPS(TTM)3.37
EY11.98%
EPS(NY)3.41
Fwd EY12.12%
FCF(TTM)2.52
FCFY8.94%
OCF(TTM)2.64
OCFY9.39%
SpS13.3
BVpS22.92
TBVpS20.64
PEG (NY)0.32
PEG (5Y)0.49
Graham Number41.69
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 1.28% | ||
| ROE | 11.39% | ||
| ROCE | N/A | ||
| ROIC | N/A | ||
| ROICexc | N/A | ||
| ROICexgc | N/A | ||
| OM | N/A | ||
| PM (TTM) | 19.62% | ||
| GM | N/A | ||
| FCFM | 18.92% |
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-Score6
Asset Turnover0.07
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0 | ||
| Debt/FCF | 0.29 | ||
| Debt/EBITDA | N/A | ||
| Cap/Depr | 110.7% | ||
| Cap/Sales | 0.94% | ||
| Interest Coverage | N/A | ||
| Cash Conversion | N/A | ||
| Profit Quality | 96.43% | ||
| Current Ratio | N/A | ||
| Quick Ratio | N/A | ||
| Altman-Z | N/A |
F-Score6
WACC16.1%
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 Y26.32%
EPS Next 2Y13.64%
EPS Next 3Y11.58%
EPS Next 5YN/A
Revenue 1Y (TTM)39.79%
Revenue growth 3Y3.62%
Revenue growth 5Y15.14%
Sales Q2Q%29.97%
Revenue Next Year31.67%
Revenue Next 2Y18.33%
Revenue Next 3Y14.85%
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 1Y11.28%
FCF growth 3Y-37.17%
FCF growth 5YN/A
OCF growth 1Y7.64%
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.
Can you provide the valuation status for CAPITAL BANCORP INC/MD?
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 3 / 10.
Can you provide the financial health for CBNK stock?
The financial health rating of CAPITAL BANCORP INC/MD (CBNK) is 4 / 10.
Can you provide the dividend sustainability for CBNK stock?
The dividend rating of CAPITAL BANCORP INC/MD (CBNK) is 3 / 10 and the dividend payout ratio is 14.73%.