CBNK Fundamental Analysis - CAPITAL BANCORP INC/MD

Fundamental Rating

CBNK gets a fundamental rating of 5 out of 10. The analysis compared the fundamentals against 393 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 growing strongly while it is still valued neutral. This is a good combination!

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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.

In the past 5 years CBNK always reported a positive cash flow from operatings.

1.2 Ratios

CBNK's Return On Assets of 1.28% is amongst the best of the industry. CBNK outperforms 83.21% of its industry peers.

CBNK's Return On Equity of 11.39% is fine compared to the rest of the industry. CBNK outperforms 79.39% 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

The Profit Margin of CBNK (19.62%) is worse than 63.10% of its industry peers.

In the last couple of years the Profit Margin of CBNK has declined.

The Operating Margin and Gross Margin are not available for CBNK so they could not be analyzed.

		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

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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.

Compared to 1 year ago, CBNK has more shares outstanding

The number of shares outstanding for CBNK has been increased compared to 5 years ago.

The debt/assets ratio for CBNK has been reduced compared to a year ago.

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

WACC15.04%

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

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.

The Revenue has grown by 30.60% in the past year. This is a very strong growth!

Measured over the past years, CBNK shows a quite strong growth in Revenue. The Revenue has been growing by 15.14% on average per year.

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 17.81% yearly.

Based on estimates for the next years, CBNK will show a quite strong growth in Revenue. The Revenue will grow by 19.87% on average per year.

EPS Next Y33.78%

EPS Next 2Y17.81%

EPS Next 3YN/A

EPS Next 5YN/A

Revenue Next Year33.39%

Revenue Next 2Y19.87%

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 stable.

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

A Price/Earnings ratio of 10.42 indicates a reasonable valuation of CBNK.

Based on the Price/Earnings ratio, CBNK is valued cheaper than 80.41% of the companies in the same industry.

CBNK is valuated cheaply when we compare the Price/Earnings ratio to 27.17, which is the current average of the S&P500 Index.

CBNK is valuated reasonably with a Price/Forward Earnings ratio of 9.42.

Compared to the rest of the industry, the Price/Forward Earnings ratio of CBNK indicates a somewhat cheap valuation: CBNK is cheaper than 67.18% of the companies listed in the same industry.

CBNK is valuated cheaply when we compare the Price/Forward Earnings ratio to 22.78, which is the current average of the S&P500 Index.

		Industry Rank	Sector Rank
PE	10.42
Fwd PE	9.42

4.2 Price Multiples

CBNK's Price/Free Cash Flow is on the same level as the industry average.

		Industry Rank	Sector Rank
P/FCF	13.71
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 17.81% in the coming years.

PEG (NY)0.31

PEG (5Y)0.62

EPS Next 2Y17.81%

EPS Next 3YN/A

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5. Dividend

5.1 Amount

CBNK has a Yearly Dividend Yield of 1.28%. Purely for dividend investing, there may be better candidates out there.

Compared to an average industry Dividend Yield of 3.30, CBNK is paying slightly less dividend.

Compared to an average S&P500 Dividend Yield of 2.34, CBNK's dividend is way lower than the S&P500 average.

		Industry Rank	Sector Rank
Dividend Yield	1.28%

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

14.73% of the earnings are spent on dividend by CBNK. This is a low number and sustainable payout ratio.

DP14.73%

EPS Next 2Y17.81%

EPS Next 3YN/A

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CAPITAL BANCORP INC/MD

NASDAQ:CBNK (8/28/2025, 8:00:02 PM)

After market: 34.5 0 (0%)

34.5

+0.11 (+0.32%)

Chartmill FA Rating

GICS SectorFinancials

GICS IndustryGroupBanks

GICS IndustryBanks

Earnings (Last)07-28 2025-07-28/amc

Earnings (Next)10-27 2025-10-27/amc

Inst Owners39.45%

Inst Owner Change7.02%

Ins Owners30.52%

Ins Owner Change0.4%

Market Cap572.01M

Analysts84

Price Target38.76 (12.35%)

Short Float %3.08%

Short Ratio4.95

Dividend

		Industry Rank	Sector Rank
Dividend Yield	1.28%

Yearly Dividend0.34

Dividend Growth(5Y)N/A

DP14.73%

Div Incr Years3

Div Non Decr Years3

Ex-Date08-11 2025-08-11 (0.12)

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)7.04%

PT rev (3m)8.57%

EPS NQ rev (1m)1.4%

EPS NQ rev (3m)5.52%

EPS NY rev (1m)0%

EPS NY rev (3m)0%

Revenue NQ rev (1m)0.83%

Revenue NQ rev (3m)1.85%

Revenue NY rev (1m)0.2%

Revenue NY rev (3m)0.2%

Valuation

		Industry Rank	Sector Rank
PE	10.42
Fwd PE	9.42
P/S	2.59
P/FCF	13.71
P/OCF	13.06
P/B	1.51
P/tB	1.67
EV/EBITDA	N/A

EPS(TTM)3.31

EY9.59%

EPS(NY)3.66

Fwd EY10.62%

FCF(TTM)2.52

FCFY7.3%

OCF(TTM)2.64

OCFY7.66%

SpS13.3

BVpS22.92

TBVpS20.64

PEG (NY)0.31

PEG (5Y)0.62

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

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-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

WACC15.04%

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 Y33.78%

EPS Next 2Y17.81%

EPS Next 3YN/A

EPS Next 5YN/A

Revenue 1Y (TTM)30.6%

Revenue growth 3Y3.62%

Revenue growth 5Y15.14%

Sales Q2Q%38.24%

Revenue Next Year33.39%

Revenue Next 2Y19.87%

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 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) 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

More info and screens

5. Dividend

5.1 Amount

5.2 History

5.3 Sustainability

More info and screens