CAPITAL BANCORP INC/MD (CBNK) Fundamental Analysis & Valuation

NASDAQ:CBNK • US1397371006

29.21 USD
-0.38 (-1.28%)
At close: Mar 6, 2026
29.21 USD
0 (0%)
After Hours: 3/6/2026, 8:04:39 PM
Overview Stock Chart Technical Analysis Fundamental Analysis Forecast Earnings Financials Ownership News

This CBNK fundamental analysis includes valuation metrics, fair value assessment, financial health analysis, profitability trends, growth metrics and dividend sustainability analysis.

Fundamental Rating

5

CBNK gets a fundamental rating of 5 out of 10. The analysis compared the fundamentals against 381 industry peers in the Banks industry. CBNK has only an average score on both its financial health and profitability. CBNK has a decent growth rate and is not valued too expensively.


Dividend Valuation Growth Profitability Health

4

1. CBNK Profitability Analysis

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.
  • Of the past 5 years CBNK 4 years had a positive operating cash flow.
CBNK Yearly Net Income VS EBIT VS OCF VS FCFCBNK Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 50M 100M

1.2 Ratios

  • CBNK has a Return On Assets of 1.47%. This is amongst the best in the industry. CBNK outperforms 87.34% of its industry peers.
  • With an excellent Return On Equity value of 12.58%, CBNK belongs to the best of the industry, outperforming 83.38% of the companies in the same industry.
Industry RankSector 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
CBNK Yearly ROA, ROE, ROICCBNK Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 5 10 15 20

1.3 Margins

  • CBNK has a Profit Margin of 20.81%. This is in the lower half of the industry: CBNK underperforms 66.49% of its industry peers.
  • CBNK's Profit Margin has improved 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 RankSector 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
CBNK Yearly Profit, Operating, Gross MarginsCBNK Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 5 10 15 20

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ROAROEROICOperating and Profit MarginShow most profitable peers

4

2. CBNK Health Analysis

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 less shares outstanding
  • Compared to 5 years ago, CBNK has more shares outstanding
  • The debt/assets ratio for CBNK has been reduced compared to a year ago.
CBNK Yearly Shares OutstandingCBNK Yearly Shares OutstandingYearly Shares Outstanding 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 5M 10M 15M
CBNK Yearly Total Debt VS Total AssetsCBNK Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 1B 2B 3B

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 RankSector Rank
Debt/Equity 0
Debt/FCF 0.16
Altman-Z N/A
ROIC/WACCN/A
WACC16.07%
CBNK Yearly LT Debt VS Equity VS FCFCBNK Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 100M 200M 300M 400M

2.3 Liquidity

Industry RankSector Rank
Current Ratio N/A
Quick Ratio N/A
CBNK Yearly Current Assets VS Current LiabilitesCBNK Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 5M 10M 15M 20M

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WACCDebt/EquityHow to determine the health of a companyAltman-Z scoreShow peers with great health

6

3. CBNK Growth Analysis

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.
  • CBNK shows quite a strong growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 12.43% yearly.
  • The Revenue has grown by 31.71% in the past year. This is a very strong growth!
  • 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 quite a strong growth in Revenue. In the coming years, the Revenue will grow by 8.41% yearly.
EPS Next Y-0.62%
EPS Next 2Y4.24%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year8.31%
Revenue Next 2Y8.41%
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.
CBNK Yearly Revenue VS EstimatesCBNK Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 50M 100M 150M 200M 250M
CBNK Yearly EPS VS EstimatesCBNK Yearly EPS VS EstimatesYearly EPS VS Estimates 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 1 2 3

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Find the best growth stocksShow best growing peers

6

4. CBNK Valuation Analysis

4.1 Price/Earnings Ratio

  • CBNK is valuated reasonably with a Price/Earnings ratio of 8.69.
  • Based on the Price/Earnings ratio, CBNK is valued cheaply inside the industry as 89.71% of the companies are valued more expensively.
  • When comparing the Price/Earnings ratio of CBNK to the average of the S&P500 Index (26.29), we can say CBNK is valued rather cheaply.
  • A Price/Forward Earnings ratio of 8.75 indicates a reasonable valuation of CBNK.
  • CBNK's Price/Forward Earnings ratio is a bit cheaper when compared to the industry. CBNK is cheaper than 79.95% of the companies in the same industry.
  • CBNK is valuated cheaply when we compare the Price/Forward Earnings ratio to 24.57, which is the current average of the S&P500 Index.
Industry RankSector Rank
PE 8.69
Fwd PE 8.75
CBNK Price Earnings VS Forward Price EarningsCBNK Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 5 10 15 20 25

4.2 Price Multiples

  • Compared to the rest of the industry, the Price/Free Cash Flow ratio of CBNK indicates a rather cheap valuation: CBNK is cheaper than 87.60% of the companies listed in the same industry.
Industry RankSector Rank
P/FCF 6.54
EV/EBITDA N/A
CBNK Per share dataCBNK EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 5 10 15 20

4.3 Compensation for Growth

PEG (NY)N/A
PEG (5Y)0.7
EPS Next 2Y4.24%
EPS Next 3YN/A

More info and screens

Price/EarningsPrice/FCFFCF per shareEV/EBITDAPEG RATIOShow best valued peers

4

5. CBNK Dividend Analysis

5.1 Amount

  • CBNK has a Yearly Dividend Yield of 1.55%. Purely for dividend investing, there may be better candidates out there.
  • CBNK's Dividend Yield is slightly below the industry average, which is at 2.83.
  • Compared to an average S&P500 Dividend Yield of 1.82, CBNK has a dividend comparable with the average S&P500 company.
Industry RankSector Rank
Dividend Yield 1.55%

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
CBNK Yearly Dividends per shareCBNK Yearly Dividends per shareYearly Dividends per share 2016 2021 2022 2023 2024 2025 2026 0.1 0.2 0.3 0.4

5.3 Sustainability

  • CBNK pays out 14.04% of its income as dividend. This is a sustainable payout ratio.
DP14.04%
EPS Next 2Y4.24%
EPS Next 3YN/A
CBNK Yearly Income VS Free CF VS DividendCBNK Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 50M 100M
CBNK Dividend Payout.CBNK Dividend Payout, showing the Payout Ratio.CBNK Dividend Payout.PayoutRetained Earnings

More info and screens

Find the best dividend stocksShow peers with best dividend

CBNK Fundamentals: All Metrics, Ratios and Statistics

CAPITAL BANCORP INC/MD

NASDAQ:CBNK (3/6/2026, 8:04:39 PM)

After market: 29.21 0 (0%)

29.21

-0.38 (-1.28%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)01-26
Earnings (Next)04-27
Inst Owners41.01%
Inst Owner Change-2.72%
Ins Owners31.78%
Ins Owner Change3.13%
Market Cap478.46M
Revenue(TTM)245.18M
Net Income(TTM)49.67M
Analysts82.22
Price Target35.36 (21.05%)
Short Float %2.64%
Short Ratio5.98
Dividend
Industry RankSector Rank
Dividend Yield 1.55%
Yearly Dividend0.34
Dividend Growth(5Y)N/A
DP14.04%
Div Incr Years3
Div Non Decr Years3
Ex-Date02-09
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)0.48%
EPS NQ rev (1m)0%
EPS NQ rev (3m)0%
EPS NY rev (1m)-0.78%
EPS NY rev (3m)-2.06%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)0.03%
Revenue NY rev (1m)1.81%
Revenue NY rev (3m)1.34%
Valuation
Industry RankSector Rank
PE 8.69
Fwd PE 8.75
P/S 2
P/FCF 6.54
P/OCF 6.2
P/B 1.21
P/tB 1.35
EV/EBITDA N/A
EPS(TTM)3.36
EY11.5%
EPS(NY)3.34
Fwd EY11.43%
FCF(TTM)4.47
FCFY15.3%
OCF(TTM)4.71
OCFY16.13%
SpS14.57
BVpS24.1
TBVpS21.6
PEG (NY)N/A
PEG (5Y)0.7
Graham Number42.69
Profitability
Industry RankSector 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 RankSector 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
WACC16.07%
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 Year8.31%
Revenue Next 2Y8.41%
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 8.69 and the Price/Book (PB) ratio is 1.21.


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.