CAPITAL BANCORP INC/MD (CBNK) Stock Fundamental Analysis
USA - NASDAQ:CBNK - US1397371006 - Common Stock
29.25 USD
-0.48 (-1.61%)
29.25 USD
0 (0%)
Overall CBNK gets a fundamental rating of 5 out of 10. We evaluated CBNK against 390 industry peers in the Banks industry. CBNK scores quite bad on profitability, while its financial health is fine. Not spectacular, but in line with the averages. CBNK is showing excellent growth while it is valued at reasonable prices. Keep and eye on this one!
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.
CBNK had a positive operating cash flow in each of the past 5 years.
1.2 Ratios
CBNK's Return On Assets of 1.28% is amongst the best of the industry. CBNK outperforms 82.82% of its industry peers.
The Return On Equity of CBNK (11.39%) is better than 77.69% of its industry peers.
| 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 65.13% 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
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.
The number of shares outstanding for CBNK has been increased compared to 5 years ago.
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 | 0.29 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC15.86%
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 37.34% over the past year.
The Earnings Per Share has been growing by 16.89% on average over the past years. This is quite good.
CBNK shows a strong growth in Revenue. In the last year, the Revenue has grown by 30.60%.
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)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 12.66% yearly.
The Revenue is expected to grow by 15.17% on average over the next years. This is quite good.
EPS Next Y30.96%
EPS Next 2Y16.76%
EPS Next 3Y12.66%
EPS Next 5YN/A
Revenue Next Year32.21%
Revenue Next 2Y19.44%
Revenue Next 3Y15.17%
Revenue Next 5YN/A
3.3 Evolution
Although the future EPS growth is still strong, it is not able to hold up the even more excellent growth rate of 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
Based on the Price/Earnings ratio of 8.84, the valuation of CBNK can be described as reasonable.
85.64% of the companies in the same industry are more expensive than CBNK, based on the Price/Earnings ratio.
CBNK's Price/Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 27.08.
A Price/Forward Earnings ratio of 8.13 indicates a reasonable valuation of CBNK.
Compared to the rest of the industry, the Price/Forward Earnings ratio of CBNK indicates a somewhat cheap valuation: CBNK is cheaper than 78.72% of the companies listed in the same industry.
Compared to an average S&P500 Price/Forward Earnings ratio of 23.09, CBNK is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 8.84 | ||
| Fwd PE | 8.13 |
4.2 Price Multiples
CBNK's Price/Free Cash Flow ratio is in line with the industry average.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 11.62 | ||
| 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 12.66% in the coming years.
PEG (NY)0.29
PEG (5Y)0.52
EPS Next 2Y16.76%
EPS Next 3Y12.66%
5. Dividend
5.1 Amount
With a Yearly Dividend Yield of 1.43%, CBNK has a reasonable but not impressive dividend return.
CBNK's Dividend Yield is slightly below the industry average, which is at 3.50.
CBNK's Dividend Yield is slightly below the S&P500 average, which is at 2.30.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 1.43% |
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 2Y16.76%
EPS Next 3Y12.66%
29.25
-0.48 (-1.61%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners42.19%
Inst Owner Change-0.06%
Ins Owners30.51%
Ins Owner Change1.55%
Market Cap484.96M
Revenue(TTM)220.58M
Net Income(TTM)43.27M
Analysts84
Price Target38.76 (32.51%)
Short Float %2.09%
Short Ratio4.72
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 1.43% |
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)0%
PT rev (3m)7.04%
EPS NQ rev (1m)-4.86%
EPS NQ rev (3m)-6.45%
EPS NY rev (1m)-2.11%
EPS NY rev (3m)-2.11%
Revenue NQ rev (1m)-1.94%
Revenue NQ rev (3m)-1.13%
Revenue NY rev (1m)-0.88%
Revenue NY rev (3m)-0.68%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 8.84 | ||
| Fwd PE | 8.13 | ||
| P/S | 2.2 | ||
| P/FCF | 11.62 | ||
| P/OCF | 11.07 | ||
| P/B | 1.28 | ||
| P/tB | 1.42 | ||
| EV/EBITDA | N/A |
EPS(TTM)3.31
EY11.32%
EPS(NY)3.6
Fwd EY12.3%
FCF(TTM)2.52
FCFY8.6%
OCF(TTM)2.64
OCFY9.03%
SpS13.3
BVpS22.92
TBVpS20.64
PEG (NY)0.29
PEG (5Y)0.52
Graham Number41.32
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
WACC15.86%
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 Y30.96%
EPS Next 2Y16.76%
EPS Next 3Y12.66%
EPS Next 5YN/A
Revenue 1Y (TTM)30.6%
Revenue growth 3Y3.62%
Revenue growth 5Y15.14%
Sales Q2Q%38.24%
Revenue Next Year32.21%
Revenue Next 2Y19.44%
Revenue Next 3Y15.17%
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%.