CAPITAL BANCORP INC/MD(NASDAQ:CBNK) stock Fundamental Analysis

Fundamental Rating

Taking everything into account, CBNK scores 4 out of 10 in our fundamental rating. CBNK was compared to 398 industry peers in the Banks industry. The financial health of CBNK is average, but there are quite some concerns on its profitability. CBNK has a decent growth rate and is not valued too expensively.

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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.

Each year in the past 5 years CBNK had a positive operating cash flow.

1.2 Ratios

CBNK has a Return On Assets of 0.97%. This is in the better half of the industry: CBNK outperforms 63.82% of its industry peers.

CBNK has a Return On Equity (8.72%) which is in line with its industry peers.

		Industry Rank	Sector Rank
ROA	0.97%
ROE	8.72%
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 (16.64%) than 71.86% 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)	16.64%
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.

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 a debt to FCF ratio of 0.37. This is a very positive value and a sign of high solvency as it would only need 0.37 years to pay back of all of its debts.

Looking at the Debt to FCF ratio, with a value of 0.37, CBNK belongs to the top of the industry, outperforming 84.42% of the companies in the same industry.

A Debt/Equity ratio of 0.03 indicates that CBNK is not too dependend on debt financing.

The Debt to Equity ratio of CBNK (0.03) is better than 84.17% of its industry peers.

		Industry Rank	Sector Rank
Debt/Equity	0.03
Debt/FCF	0.37
Altman-Z	N/A

ROIC/WACCN/A

WACC15.59%

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 small growth in Earnings Per Share. In the last year, the EPS has grown by 3.53%.

The Earnings Per Share has been growing by 16.89% on average over the past years. This is quite good.

Looking at the last year, CBNK shows a quite strong growth in Revenue. The Revenue has grown by 11.80% in the last year.

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

EPS 1Y (TTM)3.53%

EPS 3Y-2.29%

EPS 5Y16.89%

EPS Q2Q%41.54%

Revenue 1Y (TTM)11.8%

Revenue growth 3Y3.62%

Revenue growth 5Y15.14%

Sales Q2Q%37.76%

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 16.00% on average per year.

The Revenue is expected to grow by 18.60% on average over the next years. This is quite good.

EPS Next Y23.44%

EPS Next 2Y16%

EPS Next 3YN/A

EPS Next 5YN/A

Revenue Next Year29.9%

Revenue Next 2Y18.6%

Revenue Next 3YN/A

Revenue Next 5YN/A

3.3 Evolution

The EPS growth rate is stable: in the next years the growth will be about the same 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 accelerating.

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4. Valuation

4.1 Price/Earnings Ratio

CBNK is valuated reasonably with a Price/Earnings ratio of 11.89.

CBNK's Price/Earnings ratio is in line with the industry average.

When comparing the Price/Earnings ratio of CBNK to the average of the S&P500 Index (28.22), we can say CBNK is valued rather cheaply.

CBNK is valuated reasonably with a Price/Forward Earnings ratio of 9.63.

CBNK's Price/Forward Earnings ratio is in line with the industry average.

The average S&P500 Price/Forward Earnings ratio is at 20.86. CBNK is valued rather cheaply when compared to this.

		Industry Rank	Sector Rank
PE	11.89
Fwd PE	9.63

4.2 Price Multiples

CBNK's Price/Free Cash Flow ratio is a bit more expensive when compared to the industry. CBNK is more expensive than 65.58% of the companies in the same industry.

		Industry Rank	Sector Rank
P/FCF	15.96
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.

CBNK's earnings are expected to grow with 16.00% in the coming years. This may justify a more expensive valuation.

PEG (NY)0.51

PEG (5Y)0.7

EPS Next 2Y16%

EPS Next 3YN/A

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5. Dividend

5.1 Amount

CBNK has a Yearly Dividend Yield of 1.34%.

Compared to an average industry Dividend Yield of 3.52, CBNK is paying slightly less dividend.

With a Dividend Yield of 1.34, CBNK pays less dividend than the S&P500 average, which is at 2.44.

		Industry Rank	Sector Rank
Dividend Yield	1.34%

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 17.03% of its income as dividend. This is a sustainable payout ratio.

DP17.03%

EPS Next 2Y16%

EPS Next 3YN/A

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CAPITAL BANCORP INC/MD

NASDAQ:CBNK (5/2/2025, 8:00:02 PM)

After market: 31.39 0 (0%)

31.39

+0.33 (+1.06%)

Chartmill FA Rating

GICS SectorFinancials

GICS IndustryGroupBanks

GICS IndustryBanks

Earnings (Last)04-17 2025-04-17/amc

Earnings (Next)07-21 2025-07-21/amc

Inst Owners36.98%

Inst Owner Change-0.3%

Ins Owners26.26%

Ins Owner Change2.4%

Market Cap522.96M

Analysts84

Price Target34.94 (11.31%)

Short Float %1.07%

Short Ratio2.5

Dividend

		Industry Rank	Sector Rank
Dividend Yield	1.34%

Yearly Dividend0.34

Dividend Growth(5Y)N/A

DP17.03%

Div Incr Years3

Div Non Decr Years3

Ex-Date02-10 2025-02-10 (0.1)

Surprises & Revisions

EPS beat(2)1

Avg EPS beat(2)17.05%

Min EPS beat(2)-5.19%

Max EPS beat(2)39.3%

EPS beat(4)1

Avg EPS beat(4)5.69%

Min EPS beat(4)-8.57%

Max EPS beat(4)39.3%

EPS beat(8)4

Avg EPS beat(8)6.5%

EPS beat(12)7

Avg EPS beat(12)7.07%

EPS beat(16)11

Avg EPS beat(16)10.44%

Revenue beat(2)1

Avg Revenue beat(2)-0.93%

Min Revenue beat(2)-2.53%

Max Revenue beat(2)0.66%

Revenue beat(4)1

Avg Revenue beat(4)-0.97%

Min Revenue beat(4)-2.53%

Max Revenue beat(4)0.66%

Revenue beat(8)1

Avg Revenue beat(8)-2.1%

Revenue beat(12)1

Avg Revenue beat(12)-2.92%

Revenue beat(16)3

Avg Revenue beat(16)-1.74%

PT rev (1m)-4.86%

PT rev (3m)7.03%

EPS NQ rev (1m)0%

EPS NQ rev (3m)5.86%

EPS NY rev (1m)-1.31%

EPS NY rev (3m)2.82%

Revenue NQ rev (1m)-0.18%

Revenue NQ rev (3m)1.73%

Revenue NY rev (1m)-1.84%

Revenue NY rev (3m)0.96%

Valuation

		Industry Rank	Sector Rank
PE	11.89
Fwd PE	9.63
P/S	2.81
P/FCF	15.96
P/OCF	14.97
P/B	1.47
P/tB	1.64
EV/EBITDA	N/A

EPS(TTM)2.64

EY8.41%

EPS(NY)3.26

Fwd EY10.38%

FCF(TTM)1.97

FCFY6.27%

OCF(TTM)2.1

OCFY6.68%

SpS11.17

BVpS21.32

TBVpS19.1

PEG (NY)0.51

PEG (5Y)0.7

Profitability

		Industry Rank	Sector Rank
ROA	0.97%
ROE	8.72%
ROCE	N/A
ROIC	N/A
ROICexc	N/A
ROICexgc	N/A
OM	N/A
PM (TTM)	16.64%
GM	N/A
FCFM	17.6%

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-Score5

Asset Turnover0.06

Health

		Industry Rank	Sector Rank
Debt/Equity	0.03
Debt/FCF	0.37
Debt/EBITDA	N/A
Cap/Depr	215.92%
Cap/Sales	1.16%
Interest Coverage	N/A
Cash Conversion	N/A
Profit Quality	105.8%
Current Ratio	N/A
Quick Ratio	N/A
Altman-Z	N/A

F-Score5

WACC15.59%

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)3.53%

EPS 3Y-2.29%

EPS 5Y16.89%

EPS Q2Q%41.54%

EPS Next Y23.44%

EPS Next 2Y16%

EPS Next 3YN/A

EPS Next 5YN/A

Revenue 1Y (TTM)11.8%

Revenue growth 3Y3.62%

Revenue growth 5Y15.14%

Sales Q2Q%37.76%

Revenue Next Year29.9%

Revenue Next 2Y18.6%

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 1Y-27.6%

FCF growth 3Y-37.17%

FCF growth 5YN/A

OCF growth 1Y-26.34%

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

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5. Dividend

5.1 Amount

5.2 History

5.3 Sustainability

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