CBNK Stock Analysis: Capital Bancorp | NASDAQ
Banks - Regional | NASDAQ, USA | Market Cap: 677m USD | 12M Return: 52.3% | US1397371006 | Charts, Fundamentals & Technical Analysis
Avg Turnover: 6.99M
EPS Trend: 88.2%
Qual. Beats: 0
Rev. Trend: 76.9%
Qual. Beats: -1
Warnings
Tailwinds
Seasonality 8.1 years of data
How good or bad each month usually is (without trend). The score below shows how much you can trust it: 0 = pure chance, >40 gets interesting and >55 is strong.
Capital Bancorp, Inc. (NASDAQ: CBNK) is a Maryland-based bank holding company that operates Capital Bank, N.A. Founded in 1974 and headquartered in Rockville, the company serves businesses, not-for-profit associations, and entrepreneurs across the United States. It went public in September 2018 and is classified as a small-cap regional bank within the Financials sector.
The company is organized into four operating divisions: Commercial Banking, Capital Bank Home Loans, OpenSky, and Windsor Advantage. Its product set spans core retail and commercial banking offerings, including checking, savings, money market, and certificate of deposit accounts, alongside secured, partially secured, and unsecured credit cards. Lending activities include residential mortgages, residential and commercial real estate loans, construction loans, commercial and industrial loans, SBA and USDA loan packaging and servicing, and consumer loans such as term, auto, and boat loans.
Capital Bancorps four-division structure reflects a hybrid model that combines traditional community banking with specialty lending lines, including government-backed SBA/USDA loan programs and a branded credit card platform. SBA lending is a common growth niche for U.S. regional banks, as the federal guarantee reduces credit risk while supporting small business borrowers. The inclusion of a dedicated credit card division (OpenSky) is less typical of small regional banks and indicates a diversified fee-income stream beyond net interest margin.
- OpenSky credit card revenue accelerates segment growth
- Net interest margin compresses on Fed rate cuts
- Mortgage originations decline as rates pressure housing demand
| Net Income: 54.4m TTM > 0 and > 6% of Revenue |
| FCF/TA: 0.02 > 0.02 and ΔFCF/TA 0.48 > 1.0 |
| NWC/Revenue: 465.4% < 20% (prev -832.3%; Δ 1.30k% < -1%) |
| CFO/TA 0.02 > 3% & CFO 68.1m > Net Income 54.4m |
| Net Debt (-178.0m) to EBITDA (150.6m): -1.18 < 3 |
| Current Ratio: 1.50 > 1.5 & < 3 |
| Outstanding Shares: last quarter (16.5m) vs 12m ago -2.15% < -2% |
| Gross Margin: 66.68% > 18% (prev 72.14%; Δ -5.46% > 0.5%) |
| Asset Turnover: 6.68% > 50% (prev 8.79%; Δ -2.11% > 0%) |
| Interest Coverage Ratio: 1.95 > 6 (EBIT TTM 146.7m / Interest Expense TTM 75.2m) |
| A: 0.29 (Total Current Assets 3.37b - Total Current Liabilities 2.25b) / Total Assets 3.80b |
| B: 0.09 (Retained Earnings 325.9m / Total Assets 3.80b) |
| C: 0.04 (EBIT TTM 146.7m / Avg Total Assets 3.60b) |
| D: 0.13 (Book Value of Equity 431.4m / Total Liabilities 3.37b) |
| Altman-Z'' = 2.62 = A |
| DSRI: 3.0 (Receivables 3.14b/19.0m, Revenue 240.3m/298.1m) |
| GMI: 1.08 (GM 72.14% / 66.68%) |
| AQI: 0.13 (AQ_t 0.11 / AQ_t-1 0.87) |
| SGI: 0.81 (Revenue 240.3m / 298.1m) |
| TATA: -0.00 (NI 54.4m - CFO 68.1m) / TA 3.80b) |
| Beneish M = -1.96 (Cap -4..+1) = B |
As of November 02, 2026, the stock is trading at USD 41.72 with a total of 106,661 shares traded. Over the past week, the price has changed by +1.04%, over one month by +17.03%, over three months by +13.08% and over the past year by +52.25%.
Current recommended Stop Loss: 39.60 (which is 5.1% or 2.4 ATR below the current price).
Capital Bancorp has received a consensus analysts rating of 3.00. Therefore, it is recommended to hold CBNK.
- StrongBuy: 0
- Buy: 0
- Hold: 5
- Sell: 0
- StrongSell: 0
| Analysts Target Price | 44.1 | 5.7% |
P/E Trailing = 12.5559
P/E Forward = 8.3472
P/S = 2.7843
P/B = 1.6091
Revenue TTM = 240.3m USD
EBIT TTM = 146.7m USD
EBITDA TTM = 150.6m USD
Long Term Debt = 52.1m USD (from longTermDebt, last fiscal year)
Short Term Debt = unknown (none)
Debt = 52.1m USD (from shortLongTermDebtTotal, last fiscal year)
Net Debt = -178.0m USD (calculated: Debt 52.1m - CCE 230.0m)
Enterprise Value = 499.3m USD (677.3m + Debt 52.1m - CCE 230.0m)
Interest Coverage Ratio = 1.95 (Ebit TTM 146.7m / Interest Expense TTM 75.2m)
EV/FCF = 7.65x (Enterprise Value 499.3m / FCF TTM 65.2m)
FCF Yield = 13.07% (FCF TTM 65.2m / Enterprise Value 499.3m)
FCF Margin = 27.15% (FCF TTM 65.2m / Revenue TTM 240.3m)
Net Margin = 22.65% (Net Income TTM 54.4m / Revenue TTM 240.3m)
Gross Margin = 66.68% ((Revenue TTM 240.3m - Cost of Revenue TTM 80.1m) / Revenue TTM)
Gross Margin QoQ = none% (prev 72.80%)
Tobins Q-Ratio = 0.13 (Enterprise Value 499.3m / Total Assets 3.80b)
Interest Expense / Debt = 144.4% (Interest Expense 75.2m / Debt 52.1m)
Taxrate = 23.93% (17.1m / 71.6m)
NOPAT = 111.6m (EBIT 146.7m * (1 - 23.93%))
Current Ratio = 1.50 (Total Current Assets 3.37b / Total Current Liabilities 2.25b)
Debt / Equity = 0.12 (Debt 52.1m / totalStockholderEquity, last quarter 431.4m)
Debt / EBITDA = -1.18 (Net Debt -178.0m / EBITDA 150.6m)
Debt / FCF = -2.73 (Net Debt -178.0m / FCF TTM 65.2m)
Total Stockholder Equity = 416.1m (last 4 quarters mean from totalStockholderEquity)
RoA = 1.51% (Net Income 54.4m / Total Assets 3.80b)
RoE = 13.08% (Net Income TTM 54.4m / Total Stockholder Equity 416.1m)
RoCE = 31.34% (EBIT 146.7m / Capital Employed (Equity 416.1m + L.T.Debt 52.1m))
RoIC = 7.24% (NOPAT 111.6m / Invested Capital 1.54b)
WACC = 6.47% (E(677.3m)/V(729.3m) * Re(6.97%) + (debt cost/tax rate unavailable))
Discount Rate = 6.97% (= CAPM, Blume Beta Adj.)
Shares (quarterly) Correlation: 59.43 | Cagr: 7.88%
[DCF] Terminal Value 77.97% ; FCFF base≈55.8m ; Y1≈64.0m ; Y5≈94.2m
[DCF] Fair Price = 97.90 (EV 1.42b - Net Debt -178.0m = Equity 1.60b / Shares 16.3m; r=8.35% [WACC [floored]]; 5y FCF grow 15.0% → 2.50% )
EPS Correlation: 88.21 | EPS CAGR: 15.39% | SUE: -0.16 | # QB: 0
Revenue Correlation: 76.86 | Revenue CAGR: 13.30% | SUE: -2.03 | # QB: -1
EPS current Quarter (2027-03-31): EPS=0.89 | Chg30d=-0.08% | Revisions=+57% | Analysts=3
EPS current Year (2026-12-31): EPS=3.48 | Chg30d=+0.42% | Revisions=+50% | GrowthEPS=+3.6% | GrowthRev=+9.1%
EPS next Year (2027-12-31): EPS=3.83 | Chg30d=+0.67% | Revisions=+29% | GrowthEPS=+9.9% | GrowthRev=+10.1%
[Analyst] Revisions Ratio: +64% (up=10, down=1)