arrow_back Back Filing freshness 10-Q FY 2025 SEC EDGAR

download Export Data

Capital Bancorp Inc

CBNK

$37.74 ▼ -0.02 (-0.04%) at close

10 Visible periods

32 Metrics

Peer-ranked Benchmarks

Price Chart

Health

Excellent

Bullish

auto_awesome

Analytical Summary

Capital Bancorp Inc shows strong fundamentals with top-quartile Return on Common Equity (%) and Profit Margin (%). The company's metrics support a bullish outlook for growth-oriented investors.

Market Cap $625.8M

Dividend Yield 1.17%

Revenue Growth 31.7% ↗

Op. Margin 30.6% ↗

ROIC None

FCF / Share None

Trailing P/E 10.9x

Price / Book 1.5x

FCF Yield —

Debt / Equity —

info Valuation on last close. End-of-day price, Aug 7, 2026.

10-Year Financial Trajectory

Annual

Metric Value Trend Year over Year Percentile

Revenue Total top-line sales

$245.18M

↑ +31.7% —

Net Income Profit after all expenses

$57.17M

↑ +84.6% —

Operating Margin Operating profit as % of sales

30.6%

↑ +1632.1% 87th

trending_up

Bullish Indicators

Operating Margin (%)Operating Margin (%) is in the top quartile
Profit Margin (%)Profit Margin (%) is in the top quartile
Return on Common Equity (%)Return on Common Equity (%) is in the top quartile

warning

Bearish Risks

No bearish risks detected.

Health Breakdown

Profitability ↓

Returns ↓

Dividend History

Dividend / share · sourced from SEC filings

$0.44 Latest / share

+22.2% YoY

+44.8% 5-yr CAGR

FY 2016

FY 2017

FY 2018

FY 2019

FY 2020

$0.10

FY 2021

$0.22

FY 2022

$0.28

FY 2023

$0.36

FY 2024

$0.44

FY 2025

Financial view

Statement lens

Choose the reporting cadence, isolate a period range, or search directly for a metric.

Cadence

Annual Quarterly

Range

→

📈 Is growth accelerating? 7 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗
Revenue Growth YoY (%)	31.7% Excellent ↑ Excellent Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+428%)	11.8% Good ↑ Good Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+97%)	-2.0% Weak ↓ Weak Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-134%)	1.6% Caution ↓ Caution Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-74%)	24.7% Excellent ↓ Excellent Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+311%)	45.8% Excellent ↑ Excellent Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+664%)	24.3% Excellent Excellent Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+306%)	15.5% Good Good Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+159%)	—	—
EPS Growth YoY (%)	62.7% Excellent ↑ Excellent Improving Year-over-year change in earnings per share Optimal: > 10%	-17.2% Weak ↓ Weak Declining Year-over-year change in earnings per share Optimal: > 10%	-14.1% Weak ↓ Weak Declining Year-over-year change in earnings per share Optimal: > 10%	2.8% Caution ↓ Caution Declining Year-over-year change in earnings per share Optimal: > 10%	55.1% Excellent ↑ Excellent Improving Year-over-year change in earnings per share Optimal: > 10%	52.0% Excellent ↑ Excellent Improving Year-over-year change in earnings per share Optimal: > 10%	17.1% Good Good Year-over-year change in earnings per share Optimal: > 10%	66.7% Excellent Excellent Year-over-year change in earnings per share Optimal: > 10%	—	—
Net Income Growth YoY (%)	84.6% Excellent ↑ Excellent Improving Year-over-year change in net income	-13.7% Weak ↓ Weak Declining Year-over-year change in net income	-14.2% Weak ↓ Weak Declining Year-over-year change in net income	4.6% Caution ↓ Caution Declining Year-over-year change in net income	54.8% Excellent → Excellent Stable Year-over-year change in net income	52.8% Excellent ↓ Excellent Declining Year-over-year change in net income	32.3% Excellent Excellent Year-over-year change in net income	79.6% Excellent Excellent Year-over-year change in net income	—	—
FCF Growth YoY (%) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Revenue CAGR 3Y (%)	13.0% Good ↑ Good Improving Compound annual revenue growth over 3 years	3.6% Caution ↓ Caution Declining Compound annual revenue growth over 3 years	7.5% Fair ↓ Fair Declining Compound annual revenue growth over 3 years	22.7% Excellent ↓ Excellent Declining Compound annual revenue growth over 3 years	31.2% Excellent Excellent Compound annual revenue growth over 3 years	28.0% Excellent Excellent Compound annual revenue growth over 3 years	—	—	—	—
Revenue CAGR 5Y (%)	12.8% Excellent ↓ Excellent Declining Compound annual revenue growth over 5 years	15.1% Excellent ↓ Excellent Declining Compound annual revenue growth over 5 years	17.6% Excellent Excellent Compound annual revenue growth over 5 years	21.6% Excellent Excellent Compound annual revenue growth over 5 years	—	—	—	—	—	—
EPS CAGR 3Y (%)	5.0% Fair ↓ Fair Declining Compound annual EPS growth over 3 years	-9.9% Weak ↓ Weak Declining Compound annual EPS growth over 3 years	11.0% Good ↓ Good Declining Compound annual EPS growth over 3 years	34.3% Excellent ↓ Excellent Declining Compound annual EPS growth over 3 years	40.3% Excellent Excellent Compound annual EPS growth over 3 years	43.7% Excellent Excellent Compound annual EPS growth over 3 years	—	—	—	—

💰 Are margins durable? 5 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗
Operating Margin (%) (%)	30.6% Excellent ↑ Excellent Improving Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+22%)	-2.0% Weak ↓ Weak Declining Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-108%)	-2.8% Weak ↓ Weak Declining Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-111%)	-2.6% Weak ↓ Weak Declining Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-111%)	32.2% Excellent Excellent Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+29%)	26.2% Excellent Excellent Operating income as a percentage of revenue Optimal: > 15% vs Sector: At sector avg	—	—	—	—
Effective Tax Rate (%) (%)	23.7% Fair → Fair Stable Actual taxes paid relative to pre-tax income Optimal: 15-25%	26.0% Caution ↑ Caution Improving Actual taxes paid relative to pre-tax income Optimal: 15-25%	22.4% Fair ↓ Fair Declining Actual taxes paid relative to pre-tax income Optimal: 15-25%	22.9% Fair ↓ Fair Declining Actual taxes paid relative to pre-tax income Optimal: 15-25%	25.8% Caution Caution Actual taxes paid relative to pre-tax income Optimal: 15-25%	26.5% Caution Caution Actual taxes paid relative to pre-tax income Optimal: 15-25%	—	—	—	—
Profit Margin (%) (%)	23.3% Excellent ↑ Excellent Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+6%)	16.6% Good ↓ Good Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-24%)	21.5% Excellent → Excellent Stable Net income as a percentage of revenue Optimal: > 15% vs Sector: At sector avg	24.6% Excellent ↑ Excellent Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+12%)	23.9% Excellent ↑ Excellent Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+9%)	19.2% Good ↑ Good Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-13%)	18.4% Good ↑ Good Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-17%)	17.2% Good Good Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-22%)	11.1% Fair Fair Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-50%)	—
FCF Margin (%) (%) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
FCF / Net Income (x) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A

🎯 Is capital allocation efficient? 3 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗
Return on Invested Capital (%) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Return on Capital (%) (%)	1.6% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	-0.1% Weak ↓ Weak Declining Operating profit relative to total assets Optimal: > 10%	-0.2% Weak ↓ Weak Declining Operating profit relative to total assets Optimal: > 10%	-0.2% Weak ↓ Weak Declining Operating profit relative to total assets Optimal: > 10%	1.9% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	1.4% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	1.2% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	1.2% Weak Weak Operating profit relative to total assets Optimal: > 10%	0.7% Weak Weak Operating profit relative to total assets Optimal: > 10%	—
Return on Common Equity (%) (%)	14.2% Fair → Fair Stable Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Above avg (+19%)	8.7% Caution ↓ Caution Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-27%)	14.1% Fair ↓ Fair Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Above avg (+17%)	18.7% Good ↑ Good Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Above avg (+56%)	20.2% Excellent ↑ Excellent Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Above avg (+68%)	16.2% Good ↑ Good Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Above avg (+35%)	12.7% Fair ↑ Fair Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Above avg (+6%)	11.1% Fair Fair Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-7%)	8.9% Caution Caution Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-26%)	—

⚖️ Is the balance sheet risky? 3 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗
Interest Coverage (x) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Net Debt (USD) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Debt / EBITDA (x) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A

📊 What does each share earn? 7 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗
Revenue per Share (USD)	$14.79	$12.76	$11.89	$12.12	$12.13	$9.73	$6.70	$6.11	$5.69	—
Basic EPS, GAAP (USD)	$3.45	$2.12	$2.56	$2.98	$2.90	$1.87	$1.23	$1.05	$0.63	—
Free Cash Flow per Share (USD) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Dividend per Share (USD)	$0.44	$0.36	$0.28	$0.22	$0.10	—	—	—	—	—
Book Value per Share (USD)	$24.54	$21.31	$18.31	$15.84	$14.17	$11.58	$9.60	$8.38	$6.94	—
Tangible Book Value per Share (USD)	$22.95	$20.05	$18.31	$15.84	$14.17	$11.58	$9.60	$8.38	$6.94	—
Basic Weighted Avg Shares (shares)	16.58M	14.58M	14.00M	14.02M	13.80M	13.79M	13.73M	12.12M	11.26M	—

🏦 How resilient is the balance sheet? 2 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗
Working Capital (USD) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Total Equity (USD)	$401.76M	$355.14M	$254.86M	$224.01M	$197.90M	$159.31M	$133.33M	$114.56M	$80.12M	$70.75M

📋 What is driving earnings? 3 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗
Sales/Revenue/Turnover (USD)	$245.18M	$186.16M	$166.50M	$169.98M	$167.33M	$134.21M	$92.03M	$74.01M	$64.06M	—
Net Income, GAAP (USD)	$57.17M	$30.97M	$35.87M	$41.80M	$39.98M	$25.82M	$16.89M	$12.77M	$7.11M	—
Operating Cash Flow (USD)	$69.72M	$34.93M	$47.42M	$51.39M	$132.08M	$5.46M	$-27.21M	$28.30M	$34.81M	—

🏛️ Sector-Specific 2 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗
Net Interest Margin (approx.) (%)	5.4%	4.8%	6.4%	6.6%	5.7%	4.5%	4.6%	5.2%	4.8%	—
Efficiency Ratio (%) (%)	63.3%	67.8%	66.5%	64.2%	65.8%	65.4%	72.3%	73.1%	73.8%	—

⌨️ Keyboard Shortcuts

/ Search

Esc Clear

A Annual

Q Quarterly

1-7 Jump to category

R Reset

bar_chart Data from SEC EDGAR XBRL filings

Synced 1 week ago 10 years · 35 quarters

Capital Bancorp Inc

Analytical Summary

10-Year Financial Trajectory

Bullish Indicators

Bearish Risks

Health Breakdown

Dividend History

Statement lens

Benchmark Lens

Signals

Percentile Rankings

Peer Comparison

Compare CBNK with peers