CBNK Fundamental Analysis - CAPITAL BANCORP INC/MD

Fundamental Rating

We assign a fundamental rating of 5 out of 10 to CBNK. CBNK was compared to 392 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!

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1. Profitability

1.1 Basic Checks

CBNK had positive earnings in the past year.

In the past year CBNK had a positive cash flow from operations.

In the past 5 years CBNK has always been profitable.

In the past 5 years CBNK always reported a positive cash flow from operatings.

1.2 Ratios

CBNK has a Return On Assets of 1.28%. This is amongst the best in the industry. CBNK outperforms 83.16% of its industry peers.

With a decent Return On Equity value of 11.39%, CBNK is doing good in the industry, outperforming 78.83% 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 worse Profit Margin (19.62%) than 63.52% of its industry peers.

CBNK's Profit Margin has declined in the last couple of years.

CBNK does not have Operating Margin and Gross Margin available, so we won't be analyzing them here.

		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

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ROA

ROE

ROIC

Operating and Profit Margin

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2. Health

2.1 Basic Checks

CBNK does not have a ROIC to compare to the WACC, probably because it is not profitable.

The number of shares outstanding for CBNK has been increased compared to 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	0.29
Altman-Z	N/A

ROIC/WACCN/A

WACC15.06%

2.3 Liquidity

		Industry Rank	Sector Rank
Current Ratio	N/A
Quick Ratio	N/A

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WACC

Debt/Equity

How to determine the health of a company

Altman-Z score

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3. Growth

3.1 Past

CBNK shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 37.34%, 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.

Looking at the last year, CBNK shows a very strong growth in Revenue. The Revenue has grown by 30.60%.

The Revenue has been growing by 15.14% on average over the past years. This is quite good.

EPS 1Y (TTM)37.34%

EPS 3Y-2.29%

EPS 5Y16.89%

EPS Q2Q%44.07%

Revenue 1Y (TTM)30.6%

Revenue growth 3Y3.62%

Revenue growth 5Y15.14%

Sales Q2Q%38.24%

3.2 Future

CBNK is expected to show quite a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 17.81% yearly.

Based on estimates for the next years, CBNK will show a quite strong growth in Revenue. The Revenue will grow by 19.87% on average per year.

EPS Next Y33.78%

EPS Next 2Y17.81%

EPS Next 3YN/A

EPS Next 5YN/A

Revenue Next Year33.39%

Revenue Next 2Y19.87%

Revenue Next 3YN/A

Revenue Next 5YN/A

3.3 Evolution

When comparing the EPS growth rate of the last years to the growth rate of the upcoming years, we see that the growth is stable.

The Revenue growth rate is accelerating: in the next years the growth will be better than in the last years.

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4. Valuation

4.1 Price/Earnings Ratio

With a Price/Earnings ratio of 10.11, the valuation of CBNK can be described as very reasonable.

CBNK's Price/Earnings ratio is rather cheap when compared to the industry. CBNK is cheaper than 83.42% 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 27.41.

CBNK is valuated reasonably with a Price/Forward Earnings ratio of 9.13.

CBNK's Price/Forward Earnings ratio is a bit cheaper when compared to the industry. CBNK is cheaper than 73.47% of the companies 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 22.88.

		Industry Rank	Sector Rank
PE	10.11
Fwd PE	9.13

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	13.29
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.

A more expensive valuation may be justified as CBNK's earnings are expected to grow with 17.81% in the coming years.

PEG (NY)0.3

PEG (5Y)0.6

EPS Next 2Y17.81%

EPS Next 3YN/A

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5. Dividend

5.1 Amount

CBNK has a Yearly Dividend Yield of 1.25%. Purely for dividend investing, there may be better candidates out there.

Compared to an average industry Dividend Yield of 3.73, CBNK is paying slightly less dividend.

Compared to an average S&P500 Dividend Yield of 2.38, CBNK's dividend is way lower than the S&P500 average.

		Industry Rank	Sector Rank
Dividend Yield	1.25%

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

14.73% of the earnings are spent on dividend by CBNK. This is a low number and sustainable payout ratio.

DP14.73%

EPS Next 2Y17.81%

EPS Next 3YN/A

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CAPITAL BANCORP INC/MD

NASDAQ:CBNK (9/18/2025, 8:00:01 PM)

After market: 33.45 0 (0%)

33.45

+0.88 (+2.7%)

Chartmill FA Rating

GICS SectorFinancials

GICS IndustryGroupBanks

GICS IndustryBanks

Earnings (Last)07-28 2025-07-28/amc

Earnings (Next)10-27 2025-10-27/amc

Inst Owners39.45%

Inst Owner Change7.02%

Ins Owners30.52%

Ins Owner Change0.51%

Market Cap554.60M

Analysts84

Price Target38.76 (15.87%)

Short Float %3.4%

Short Ratio6.95

Dividend

		Industry Rank	Sector Rank
Dividend Yield	1.25%

Yearly Dividend0.34

Dividend Growth(5Y)N/A

DP14.73%

Div Incr Years3

Div Non Decr Years3

Ex-Date08-11 2025-08-11 (0.12)

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)0%

PT rev (3m)7.04%

EPS NQ rev (1m)-3.03%

EPS NQ rev (3m)-0.56%

EPS NY rev (1m)0%

EPS NY rev (3m)0%

Revenue NQ rev (1m)0%

Revenue NQ rev (3m)1.28%

Revenue NY rev (1m)-0.04%

Revenue NY rev (3m)0.2%

Valuation

		Industry Rank	Sector Rank
PE	10.11
Fwd PE	9.13
P/S	2.51
P/FCF	13.29
P/OCF	12.66
P/B	1.46
P/tB	1.62
EV/EBITDA	N/A

EPS(TTM)3.31

EY9.9%

EPS(NY)3.66

Fwd EY10.95%

FCF(TTM)2.52

FCFY7.52%

OCF(TTM)2.64

OCFY7.9%

SpS13.3

BVpS22.92

TBVpS20.64

PEG (NY)0.3

PEG (5Y)0.6

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

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-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

WACC15.06%

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)37.34%

EPS 3Y-2.29%

EPS 5Y16.89%

EPS Q2Q%44.07%

EPS Next Y33.78%

EPS Next 2Y17.81%

EPS Next 3YN/A

EPS Next 5YN/A

Revenue 1Y (TTM)30.6%

Revenue growth 3Y3.62%

Revenue growth 5Y15.14%

Sales Q2Q%38.24%

Revenue Next Year33.39%

Revenue Next 2Y19.87%

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 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) Stock Fundamental Analysis

1. Profitability

1.1 Basic Checks

1.2 Ratios

1.3 Margins

More info and screens

2. Health

2.1 Basic Checks

2.2 Solvency

2.3 Liquidity

More info and screens

3. Growth

3.1 Past

3.2 Future

3.3 Evolution

More info and screens

4. Valuation

4.1 Price/Earnings Ratio

4.2 Price Multiples

4.3 Compensation for Growth

More info and screens

5. Dividend

5.1 Amount

5.2 History

5.3 Sustainability

More info and screens