CAPITAL BANCORP INC/MD (CBNK)

US1397371006 - Common Stock

20.83  +0.3 (+1.46%)

After market: 20.83 0 (0%)

Fundamental Rating

4

CBNK gets a fundamental rating of 4 out of 10. The analysis compared the fundamentals against 415 industry peers in the Banks industry. CBNK has only an average score on both its financial health and profitability. CBNK has a correct valuation and a medium growth rate.



4

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.
CBNK had positive earnings in each of the past 5 years.
In multiple years CBNK reported negative operating cash flow during the last 5 years.

1.2 Ratios

CBNK has a better Return On Assets (1.58%) than 90.84% of its industry peers.
CBNK's Return On Equity of 14.76% is amongst the best of the industry. CBNK outperforms 86.02% of its industry peers.
Industry RankSector Rank
ROA 1.58%
ROE 14.76%
ROIC N/A
ROA(3y)1.84%
ROA(5y)1.62%
ROE(3y)17.65%
ROE(5y)16.36%
ROIC(3y)N/A
ROIC(5y)N/A

1.3 Margins

With a Profit Margin value of 21.53%, CBNK is not doing good in the industry: 63.37% of the companies in the same industry are doing better.
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) 21.53%
GM N/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y3.87%
PM growth 5Y4.49%
GM growth 3YN/A
GM growth 5YN/A

4

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 reduced compared to 1 year ago.
The number of shares outstanding for CBNK has been increased compared to 5 years ago.
The debt/assets ratio for CBNK is higher compared to a year ago.

2.2 Solvency

CBNK has a debt to FCF ratio of 0.27. This is a very positive value and a sign of high solvency as it would only need 0.27 years to pay back of all of its debts.
The Debt to FCF ratio of CBNK (0.27) is better than 86.51% of its industry peers.
CBNK has a Debt/Equity ratio of 0.05. This is a healthy value indicating a solid balance between debt and equity.
CBNK has a better Debt to Equity ratio (0.05) than 82.17% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.05
Debt/FCF 0.27
Altman-Z N/A
ROIC/WACCN/A
WACC9.41%

2.3 Liquidity

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

4

3. Growth

3.1 Past

CBNK shows a strong negative growth in Earnings Per Share. In the last year the EPS decreased by -15.72%.
The Earnings Per Share has been growing by 20.09% on average over the past years. This is a very strong growth
Looking at the last year, CBNK shows a decrease in Revenue. The Revenue has decreased by -3.48% in the last year.
Measured over the past years, CBNK shows a quite strong growth in Revenue. The Revenue has been growing by 17.61% on average per year.
EPS 1Y (TTM)-15.72%
EPS 3Y10.89%
EPS 5Y20.09%
EPS growth Q2Q-9.09%
Revenue 1Y (TTM)-3.48%
Revenue growth 3Y7.45%
Revenue growth 5Y17.61%
Revenue growth Q2Q-1.48%

3.2 Future

CBNK is expected to show a small growth in Earnings Per Share. In the coming years, the EPS will grow by 3.00% yearly.
CBNK is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 5.33% yearly.
EPS Next Y-3.12%
EPS Next 2Y3%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year2.85%
Revenue Next 2Y5.33%
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 decreasing.
The Revenue growth rate is decreasing: in the next years the growth will be less than in the last years.

5

4. Valuation

4.1 Price/Earnings Ratio

CBNK is valuated reasonably with a Price/Earnings ratio of 8.27.
Based on the Price/Earnings ratio, CBNK is valued a bit cheaper than the industry average as 73.01% of the companies are valued more expensively.
CBNK's Price/Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 26.48.
A Price/Forward Earnings ratio of 8.43 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 79.52% of the companies listed in the same industry.
CBNK is valuated cheaply when we compare the Price/Forward Earnings ratio to 22.79, which is the current average of the S&P500 Index.
Industry RankSector Rank
PE 8.27
Fwd PE 8.43

4.2 Price Multiples

73.73% of the companies in the same industry are more expensive than CBNK, based on the Price/Free Cash Flow ratio.
Industry RankSector Rank
P/FCF 6.57
EV/EBITDA N/A

4.3 Compensation for Growth

PEG (NY)N/A
PEG (5Y)0.41
EPS Next 2Y3%
EPS Next 3YN/A

2

5. Dividend

5.1 Amount

CBNK has a Yearly Dividend Yield of 1.43%.
With a Dividend Yield of 1.43, CBNK pays less dividend than the industry average, which is at 3.70. 80.48% of the companies listed in the same industry pay a better dividend than CBNK!
CBNK's Dividend Yield is slightly below the S&P500 average, which is at 2.34.
Industry RankSector Rank
Dividend Yield 1.43%

5.2 History

CBNK has paid a dividend for less than 5 years, so there is no long track record yet.
Dividend Growth(5Y)N/A
Div Incr Years2
Div Non Decr Years2

5.3 Sustainability

10.32% of the earnings are spent on dividend by CBNK. This is a low number and sustainable payout ratio.
DP10.32%
EPS Next 2Y3%
EPS Next 3YN/A

CAPITAL BANCORP INC/MD

NASDAQ:CBNK (3/28/2024, 8:01:02 PM)

After market: 20.83 0 (0%)

20.83

+0.3 (+1.46%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners
Inst Owner Change
Ins Owners
Ins Owner Change
Market Cap289.95M
Analysts
Price Target
Dividend
Industry RankSector Rank
Dividend Yield 1.43%
Dividend Growth(5Y)
DP
Div Incr Years
Div Non Decr Years
Ex-Date
Surprises & Revisions
EPS beat(2)
Avg EPS beat(2)
Min EPS beat(2)
Max EPS beat(2)
EPS beat(4)
Avg EPS beat(4)
Min EPS beat(4)
Max EPS beat(4)
EPS beat(8)
Avg EPS beat(8)
EPS beat(12)
Avg EPS beat(12)
EPS beat(16)
Avg EPS beat(16)
Revenue beat(2)
Avg Revenue beat(2)
Min Revenue beat(2)
Max Revenue beat(2)
Revenue beat(4)
Avg Revenue beat(4)
Min Revenue beat(4)
Max Revenue beat(4)
Revenue beat(8)
Avg Revenue beat(8)
Revenue beat(12)
Avg Revenue beat(12)
Revenue beat(16)
Avg Revenue beat(16)
PT rev (1m)
PT rev (3m)
EPS NQ rev (1m)
EPS NQ rev (3m)
EPS NY rev (1m)
EPS NY rev (3m)
Revenue NQ rev (1m)
Revenue NQ rev (3m)
Revenue NY rev (1m)
Revenue NY rev (3m)
Valuation
Industry RankSector Rank
PE 8.27
Fwd PE 8.43
P/S
P/FCF
P/OCF
P/B
P/tB
EV/EBITDA
EPS(TTM)
EY
EPS(NY)
Fwd EY
FCF(TTM)
FCFY
OCF(TTM)
OCFY
SpS
BVpS
TBVpS
PEG (NY)N/A
PEG (5Y)0.41
Profitability
Industry RankSector Rank
ROA 1.58%
ROE 14.76%
ROCE
ROIC
ROICexc
ROICexgc
OM N/A
PM (TTM) 21.53%
GM N/A
FCFM
ROA(3y)
ROA(5y)
ROE(3y)
ROE(5y)
ROIC(3y)
ROIC(5y)
ROICexc(3y)
ROICexc(5y)
ROICexgc(3y)
ROICexgc(5y)
ROCE(3y)
ROCE(5y)
ROICexcg growth 3Y
ROICexcg growth 5Y
ROICexc growth 3Y
ROICexc growth 5Y
OM growth 3Y
OM growth 5Y
PM growth 3Y
PM growth 5Y
GM growth 3Y
GM growth 5Y
F-Score
Asset Turnover0.07
Health
Industry RankSector Rank
Debt/Equity 0.05
Debt/FCF
Debt/EBITDA
Cap/Depr
Cap/Sales
Interest Coverage
Cash Conversion
Profit Quality
Current Ratio N/A
Quick Ratio N/A
Altman-Z
F-Score
WACC
ROIC/WACC
Cap/Depr(3y)
Cap/Depr(5y)
Cap/Sales(3y)
Cap/Sales(5y)
Profit Quality(3y)
Profit Quality(5y)
Growth
EPS 1Y (TTM)-15.72%
EPS 3Y10.89%
EPS 5Y
EPS growth Q2Q
EPS Next Y-3.12%
EPS Next 2Y
EPS Next 3Y
EPS Next 5Y
Revenue 1Y (TTM)-3.48%
Revenue growth 3Y7.45%
Revenue growth 5Y
Revenue growth Q2Q
Revenue Next Year
Revenue Next 2Y
Revenue Next 3Y
Revenue Next 5Y
EBIT growth 1Y
EBIT growth 3Y
EBIT growth 5Y
EBIT Next Year
EBIT Next 3Y
EBIT Next 5Y
FCF growth 1Y
FCF growth 3Y
FCF growth 5Y
OCF growth 1Y
OCF growth 3Y
OCF growth 5Y