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

NASDAQ:CBNK • US1397371006

Current stock price

31.77 USD
+0.4 (+1.28%)
Last:

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

4

1. CBNK Profitability Analysis

1.1 Basic Checks

  • CBNK had positive earnings in the past year.
  • CBNK had a positive operating cash flow in the past year.
  • Each year in the past 5 years CBNK has been profitable.
  • In the past 5 years CBNK always reported a positive cash flow from operatings.
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

  • The Return On Assets of CBNK (1.59%) is better than 89.89% of its industry peers.
  • The Return On Equity of CBNK (14.23%) is better than 91.22% of its industry peers.
Industry RankSector Rank
ROA 1.59%
ROE 14.23%
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

  • Looking at the Profit Margin, with a value of 23.32%, CBNK is doing worse than 61.44% of the companies in the same industry.
  • In the last couple of years the Profit Margin of CBNK has grown nicely.
  • The Operating Margin and Gross Margin are not available for CBNK so they could not be analyzed.
Industry RankSector Rank
OM N/A
PM (TTM) 23.32%
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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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.
  • CBNK has less shares outstanding than it did 1 year ago.
  • Compared to 5 years ago, CBNK has more shares outstanding
  • CBNK has a better debt/assets ratio than last year.
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

  • The Debt to FCF ratio of CBNK is 0.03, which is an excellent value as it means it would take CBNK, only 0.03 years of fcf income to pay off all of its debts.
  • CBNK's Debt to FCF ratio of 0.03 is amongst the best of the industry. CBNK outperforms 89.10% of its industry peers.
  • CBNK has a Debt/Equity ratio of 0.01. This is a healthy value indicating a solid balance between debt and equity.
  • With an excellent Debt to Equity ratio value of 0.01, CBNK belongs to the best of the industry, outperforming 87.77% of the companies in the same industry.
Industry RankSector Rank
Debt/Equity 0.01
Debt/FCF 0.03
Altman-Z N/A
ROIC/WACCN/A
WACC17.13%
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.
  • Measured over the past years, CBNK shows a quite strong growth in Earnings Per Share. The EPS has been growing by 12.43% on average per year.
  • CBNK shows a strong growth in Revenue. In the last year, the Revenue has grown by 31.71%.
  • 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

  • CBNK is expected to show a small growth in Earnings Per Share. In the coming years, the EPS will grow by 5.33% yearly.
  • 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 Y1.78%
EPS Next 2Y5.33%
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

  • 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.
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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6

4. CBNK Valuation Analysis

4.1 Price/Earnings Ratio

  • A Price/Earnings ratio of 9.46 indicates a reasonable valuation of CBNK.
  • Compared to the rest of the industry, the Price/Earnings ratio of CBNK indicates a rather cheap valuation: CBNK is cheaper than 86.44% of the companies listed in the same industry.
  • When comparing the Price/Earnings ratio of CBNK to the average of the S&P500 Index (27.42), we can say CBNK is valued rather cheaply.
  • A Price/Forward Earnings ratio of 9.29 indicates a reasonable valuation of CBNK.
  • Based on the Price/Forward Earnings ratio, CBNK is valued a bit cheaper than the industry average as 67.82% of the companies are valued more expensively.
  • When comparing the Price/Forward Earnings ratio of CBNK to the average of the S&P500 Index (22.29), we can say CBNK is valued rather cheaply.
Industry RankSector Rank
PE 9.46
Fwd PE 9.29
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

  • Based on the Price/Free Cash Flow ratio, CBNK is valued cheaper than 85.37% of the companies in the same industry.
Industry RankSector Rank
P/FCF 7.69
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

  • The high PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates CBNK does not grow enough to justify the current Price/Earnings ratio.
PEG (NY)5.31
PEG (5Y)0.76
EPS Next 2Y5.33%
EPS Next 3YN/A

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

4

5. CBNK Dividend Analysis

5.1 Amount

  • With a Yearly Dividend Yield of 1.46%, CBNK has a reasonable but not impressive dividend return.
  • CBNK's Dividend Yield is slightly below the industry average, which is at 2.55.
  • CBNK's Dividend Yield is comparable with the S&P500 average which is at 1.81.
Industry RankSector Rank
Dividend Yield 1.46%

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 Years4
Div Non Decr Years4
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

  • 12.76% of the earnings are spent on dividend by CBNK. This is a low number and sustainable payout ratio.
DP12.76%
EPS Next 2Y5.33%
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

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CBNK Fundamentals: All Metrics, Ratios and Statistics

CAPITAL BANCORP INC/MD

NASDAQ:CBNK (4/27/2026, 3:34:18 PM)

31.77

+0.4 (+1.28%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)01-26
Earnings (Next)04-27
Inst Owners41.19%
Inst Owner Change0.06%
Ins Owners31.92%
Ins Owner Change2.6%
Market Cap518.17M
Revenue(TTM)245.18M
Net Income(TTM)57.17M
Analysts82
Price Target35.45 (11.58%)
Short Float %4.84%
Short Ratio7.94
Dividend
Industry RankSector Rank
Dividend Yield 1.46%
Yearly Dividend0.44
Dividend Growth(5Y)N/A
DP12.76%
Div Incr Years4
Div Non Decr Years4
Ex-Date02-09
Surprises & Revisions
EPS beat(2)1
Avg EPS beat(2)-1.27%
Min EPS beat(2)-15.69%
Max EPS beat(2)13.15%
EPS beat(4)2
Avg EPS beat(4)2.89%
Min EPS beat(4)-15.69%
Max EPS beat(4)19.41%
EPS beat(8)3
Avg EPS beat(8)4.29%
EPS beat(12)6
Avg EPS beat(12)5.3%
EPS beat(16)9
Avg EPS beat(16)6.03%
Revenue beat(2)0
Avg Revenue beat(2)-10.54%
Min Revenue beat(2)-13.16%
Max Revenue beat(2)-7.92%
Revenue beat(4)1
Avg Revenue beat(4)-6.08%
Min Revenue beat(4)-13.16%
Max Revenue beat(4)0.03%
Revenue beat(8)2
Avg Revenue beat(8)-3.52%
Revenue beat(12)2
Avg Revenue beat(12)-3.43%
Revenue beat(16)2
Avg Revenue beat(16)-3.71%
PT rev (1m)0.24%
PT rev (3m)0.72%
EPS NQ rev (1m)0%
EPS NQ rev (3m)0.91%
EPS NY rev (1m)-0.52%
EPS NY rev (3m)1.62%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)2.75%
Revenue NY rev (1m)0%
Revenue NY rev (3m)1.81%
Valuation
Industry RankSector Rank
PE 9.46
Fwd PE 9.29
P/S 2.11
P/FCF 7.69
P/OCF 7.43
P/B 1.29
P/tB 1.44
EV/EBITDA N/A
EPS(TTM)3.36
EY10.58%
EPS(NY)3.42
Fwd EY10.76%
FCF(TTM)4.13
FCFY13%
OCF(TTM)4.27
OCFY13.46%
SpS15.03
BVpS24.63
TBVpS22.13
PEG (NY)5.31
PEG (5Y)0.76
Graham Number43.1535 (35.83%)
Profitability
Industry RankSector Rank
ROA 1.59%
ROE 14.23%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) 23.32%
GM N/A
FCFM 27.47%
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 0.01
Debt/FCF 0.03
Debt/EBITDA N/A
Cap/Depr 96.11%
Cap/Sales 0.97%
Interest Coverage N/A
Cash Conversion N/A
Profit Quality 117.8%
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score9
WACC17.13%
ROIC/WACCN/A
Cap/Depr(3y)325.82%
Cap/Depr(5y)275.49%
Cap/Sales(3y)1.14%
Cap/Sales(5y)0.87%
Profit Quality(3y)116.59%
Profit Quality(5y)159.83%
High Growth Momentum
Growth
EPS 1Y (TTM)27.27%
EPS 3Y5.03%
EPS 5Y12.43%
EPS Q2Q%-1.09%
EPS Next Y1.78%
EPS Next 2Y5.33%
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 1Y105.52%
FCF growth 3Y10.59%
FCF growth 5Y66.9%
OCF growth 1Y99.62%
OCF growth 3Y10.7%
OCF growth 5Y66.19%

CAPITAL BANCORP INC/MD / CBNK Fundamental Analysis 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.


How profitable is CAPITAL BANCORP INC/MD (CBNK) stock?

CAPITAL BANCORP INC/MD (CBNK) has a profitability rating of 4 / 10.


What are the PE and PB ratios of CAPITAL BANCORP INC/MD (CBNK) stock?

The Price/Earnings (PE) ratio for CAPITAL BANCORP INC/MD (CBNK) is 9.46 and the Price/Book (PB) ratio is 1.29.


Is the dividend of CAPITAL BANCORP INC/MD sustainable?

The dividend rating of CAPITAL BANCORP INC/MD (CBNK) is 4 / 10 and the dividend payout ratio is 12.76%.