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Jun 17, 2026·SEC
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Apr 27, 2026·SEC
Capital Bancorp, Inc.(CBNK)Earnings, Financials & Key Ratios
CBNK•NASDAQ•Banking & Credit
$36.15
10.6× P/E·Price updated Jul 2, 2026
AboutCapital Bancorp, Inc. operates as the bank holding company for Capital Bank, N.A. that provides various banking products and services to businesses, not-for-profit associations, and entrepreneurs in the United States. It operates through Commercial Banking, Capital Bank Home Loans, and OpenSky segments. The company offers a range of deposit products and services, including checking and savings, time, interest bearing demand, and money market accounts, as well as certificates of deposit; and credit cards. It originates residential mortgages and offers residential and commercial real estate, construction, and commercial business loans, as well as other consumer loans, such as term loans, car loans, and boat loans to small to medium-sized businesses, professionals, real estate investors, and small residential builders and individuals. It operates through four commercial bank branches, four mortgage offices, and one loan production office. The company was founded in 1974 and is headquartered in Rockville, Maryland.Show more
- Net Interest Income$196M+26.7%
- Total Revenue$304M+25.3%
- Net Income$57M+84.6%
- Return on Equity15.1%+48.7%
- Net Interest Margin5.43%+12.6%
- Efficiency Ratio50.39%-1.4%
- ROA1.68%+47.2%
- Equity / Assets11.15%+0.7%
- Book Value per Share24.37+0.5%
CBNK Price & Volume
Capital Bancorp, Inc. (CBNK) stock price & volume — 10-year historical chart
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OpenSky Platform Scaling Drives Asset Expansion
Investment Thesis • Updated 2026Q1
VerdictNeutral
Growth:Mixed
Profitability:Moderate
Financial:Healthy
Cash Flow:Mixed
Primary Risk:Regulatory Fee Cap Exposure
Key Thesis Takeaways
- Capital Bancorp's growth trajectory is heavily tied to the aggressive scaling of its OpenSky credit card platform, which has propelled total assets from $2.2 billion in 2023Q4 to $3.8 billion in 2026Q1.
- While this expansion supports revenue growth, investors should monitor the volatility in the efficiency ratio, which spiked to 69.0% in 2026Q1, and the potential for regulatory fee cap exposure impacting the 14.1% fee-based revenue contribution observed in 2025Q4.
- The bank's ability to maintain a stable 0.11 equity-to-assets ratio while managing CECL-related provisioning costs remains a critical factor for long-term valuation.
Verdict Logic
while the stock trades at a forward P/E of 10.29, the significant fluctuation in the efficiency ratio to 69.0% in 2026Q1 warrants caution regarding the sustainability of current earnings growth.
CBNK Growth Metrics
Capital Bancorp, Inc. (CBNK) revenue, earnings & EPS growth — 3, 5 & 10-year CAGR
Revenue CAGR
10 Years19.02%
5 Years15.55%
3 Years19.04%
TTM-
Profit CAGR
10 Years22.53%
5 Years17.23%
3 Years11%
TTM44.11%
EPS CAGR
10 Years19.55%
5 Years12.7%
3 Years5.32%
TTM33.47%
Return on Capital
10 Years14.77%
5 Years14.78%
3 Years10.83%
Last Year7.88%
CBNK Recent Earnings
Capital Bancorp, Inc. (CBNK) EPS & revenue vs analyst estimates — last 4 quarters
●Beat EPS 3/12 qtrs (33%)●Beat Revenue 6/12 qtrs (67%)
Q2 2026Latest
Apr 27, 2026Metric
Actual
Est
EPS
$0.73-6.4%
$0.78
Rev
$63M+0.6%
$62M
Q2 2026
Mar 16, 2026Metric
Actual
Est
EPS
$0.91
—
Rev
$77M
—
Q1 2026
Jan 26, 2026Metric
Actual
Est
EPS
$0.91+15.5%
$0.79
Rev
$63M+2.7%
$61M
Q4 2025
Oct 27, 2025Metric
Actual
Est
EPS
$0.72-18.2%
$0.88
Rev
$62M+1.5%
$61M
| Quarter | Date | EPS (Act vs Est) | Revenue (Act vs Est) |
|---|---|---|---|
| Q2 2026Latest | Apr 27, 2026 | $0.73vs $0.78-6.4% | $63Mvs $62M+0.6% |
| Q2 2026 | Mar 16, 2026 | $0.91 | $77M |
| Q1 2026 | Jan 26, 2026 | $0.91vs $0.79+15.5% | $63Mvs $61M+2.7% |
| Q4 2025 | Oct 27, 2025 | $0.72vs $0.88-18.2% | $62Mvs $61M+1.5% |
Based on last 12 quarters of dataView full earnings history →
Peers Comparison
Key metrics vs top competitors for Capital Bancorp, Inc. (CBNK)
| Company | Price | Market Cap | P/E Ratio | Rev Growth (1Y) | Net Margin | ROE | Div Yield |
|---|---|---|---|---|---|---|---|
| $36.15 | $588.81M | 10.63 | 25.32% | 18.83% | 15.1% | 1.22% | |
| $46.18 | $297.71M | 12.25 | 6.6% | 20.89% | 12.7% | — | |
| $50.25 | $2.61B | 15.09 | 10.36% | 19.66% | 9.83% | — | |
| $25.09 | $178.58M | 14.26 | -1.44% | 12.96% | 7.98% | — | |
| $23.95 | $230.98M | 16.40 | -9.41% | 16.49% | 8% | — | |
| $60.24 | $480.3M | 13.54 | 6.13% | 18.69% | 13.31% | — |
Compare CBNK vs Peers
Capital Bancorp, Inc. (CBNK) vs competitors — business, growth, and fundamentals comparison against the closest industry rivals.
CBNK SEC Filings & Documents
Capital Bancorp, Inc. (CBNK) SEC filings — annual & quarterly reports (10-K, 10-Q)
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CBNK Frequently Asked Questions
Capital Bancorp, Inc. (CBNK) stock FAQ — growth, dividends, profitability & financials explained
Growth & Financials
How fast is Capital Bancorp, Inc. growing?
Capital Bancorp, Inc. (CBNK) grew revenue by 25.3% over the past year. This is strong growth.
Is CBNK profitable?
Yes, Capital Bancorp, Inc. (CBNK) is profitable, generating $55.3M in net income for fiscal year 2025 (18.8% net margin).
Dividend & Returns
Does CBNK pay dividends?
Yes, Capital Bancorp, Inc. (CBNK) pays a dividend with a yield of 1.22%. This makes it attractive for income-focused investors.
What is CBNK's return on equity?
Capital Bancorp, Inc. (CBNK) has a return on equity (ROE) of 15.1%. This is reasonable for most industries.
Industry Metrics
What is Capital Bancorp, Inc.'s net interest margin?
Capital Bancorp, Inc. (CBNK) has a net interest margin (NIM) of 5.4%. This indicates healthy earnings from lending activities.
What is Capital Bancorp, Inc.'s efficiency ratio?
Capital Bancorp, Inc. (CBNK) has an efficiency ratio of 50.4%. This is excellent, indicating strong cost control.