Capital Bancorp, Inc. logo

Capital Bancorp, Inc.

CBNK

NASDAQFinancial ServicesBanks - Regional

Previous close

$36.53

−$0.13 · -0.35%

Aug 21, 4:00 PM ET

CBNK company overview

Regular session · ET · Market data may be delayed.

GoAI snapshot

AI-powered factor overview

Jul 10, 2026

GoAI score

Buy

Favorable setup — positive multi-factor alignment

Valuation

93

Deep Value

Momentum

57

Neutral

Sentiment

52

Mixed

Risk resilience

79

Moderate Risk

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Company profile

Company website

As the holding company for Capital Bank, N.A., Capital Bancorp, Inc. delivers a diverse suite of financial and banking services across the United States. Its clientele encompasses businesses, non-profit entities, and entrepreneurs. The company organizes its operations across three primary segments: Commercial Banking, Capital Bank Home Loans, and OpenSky. Clients have access to various deposit options, including checking, savings, time, interest-bearing demand, and money market accounts, alongside certificates of deposit and credit cards. A significant originator of residential mortgages, the firm also extends a wide array of lending solutions. These offerings include financing for residential and commercial real estate, construction projects, and general commercial business needs. Moreover, it provides consumer loans such as term loans, vehicle financing, and marine loans. Its lending services cater specifically to small to mid-sized businesses, professionals, real estate investors, smaller residential developers, and individual customers. Founded in 1974, Capital Bancorp is headquartered in Rockville, Maryland, and operates through four commercial bank branches, four mortgage offices, and one dedicated loan production office.

Industry
Banks - Regional
Sector
Financial Services
Headquarters
US
CEO
Edward F. Barry
Listed since
Sep 26, 2018
Employees
447

Market position

Day range

Current $36.53

52-week range

Current $36.53

Open
$36.675
Previous close
$36.66
Volume
72.58K
1.14× average
Average volume
63.82K
Average daily volume
Market cap
595M USD
Beta
0.52
Market reference 1
50-day average
$35.8866
+1.79% above average
200-day average
$31.4825
+16.03% above average

Financials

Financial snapshot

Latest / TTM

Valuation & yield

Enterprise value
485.78M USD
P/E (TTM)
10.65×
P/B (TTM)
1.41×
P/S (TTM)
2.03×
EV / EBITDA
6.6×
Earnings yield
12.31%
Free cash flow yield
14.50%
Dividend yield
1.37%

Profitability & efficiency

Gross margin
73.47%
Operating margin
15.76%
Net margin
19.26%
Return on equity
14.22%
Return on assets
1.59%
Return on invested capital
3.97%

Financial health

Debt / equity
0.12×
Current ratio
0.13×

Earnings

EPS beat rate
45%
5 beats, 6 misses, 0 met estimates
Average EPS surprise
+5.23%
11 comparable reports
Latest EPS result
0.87
Estimate 0.82 · Beat by 5.58%

EPS: actual versus estimate

Recent quarterly results

ActualEstimate
Quarterly EPS actual values compared with estimates0.960.850.730.62Q1 '25BeatQ2 '25BeatQ3 '25MissQ4 '25MissQ1 '26BeatQ2 '26MissQ3 '26BeatQ4 '26Estimate
Q1 2025, reported Jan 28, 2025: actual 0.92, estimate 0.66, surprise +39.39%, Beat. Q2 2025, reported Apr 28, 2025: actual 0.88, estimate 0.67, surprise +31.34%, Beat. Q3 2025, reported Jul 28, 2025: actual 0.85, estimate 0.89, surprise -4.49%, Miss. Q4 2025, reported Oct 27, 2025: actual 0.72, estimate 0.88, surprise -18.18%, Miss. Q1 2026, reported Jan 26, 2026: actual 0.91, estimate 0.788, surprise +15.48%, Beat. Q2 2026, reported Apr 27, 2026: actual 0.73, estimate 0.775, surprise -5.81%, Miss. Q3 2026, reported Jul 27, 2026: actual 0.87, estimate 0.824, surprise +5.58%, Beat. Q4 2026, reported Oct 26, 2026: actual —, estimate 0.91, surprise —, Comparison unavailable.

Revenue: actual versus estimate

Recent quarterly results

ActualEstimate
Quarterly Revenue actual values compared with estimates71.99M65.91M59.83M53.75MQ1 '25BeatQ2 '25BeatQ3 '25MissQ4 '25BeatQ1 '26BeatQ2 '26BeatQ3 '26MissQ4 '26Estimate
Q1 2025, reported Jan 28, 2025: actual 58.86M USD, estimate 56.52M USD, surprise +4.14%, Beat. Q2 2025, reported Apr 28, 2025: actual 58.6M USD, estimate 57.43M USD, surprise +2.03%, Beat. Q3 2025, reported Jul 28, 2025: actual 59.77M USD, estimate 62.98M USD, surprise -5.10%, Miss. Q4 2025, reported Oct 27, 2025: actual 61.97M USD, estimate 61.06M USD, surprise +1.49%, Beat. Q1 2026, reported Jan 26, 2026: actual 62.74M USD, estimate 61.06M USD, surprise +2.75%, Beat. Q2 2026, reported Apr 27, 2026: actual 62.77M USD, estimate 62.41M USD, surprise +0.58%, Beat. Q3 2026, reported Jul 27, 2026: actual 65.29M USD, estimate 66.54M USD, surprise -1.88%, Miss. Q4 2026, reported Oct 26, 2026: actual —, estimate 69.22M USD, surprise —, Comparison unavailable.

Corporate actions

Annual dividends per share

Cash distributions grouped by calendar year; partial years are marked.

$0.44

2025 complete year+100.0% since 2022

2026 partial: $0.38

* Partial calendar year in the available dividend history.

Corporate action history

Dividend

Ex-dividend Aug 10, 2026

$0.14

Quarterly

Record Aug 10, 2026 · Payment Aug 26, 2026

Dividend

Ex-dividend May 11, 2026

$0.12

Quarterly

Record May 11, 2026 · Payment May 27, 2026

Dividend

Ex-dividend Feb 9, 2026

$0.12

Quarterly

Record Feb 9, 2026 · Payment Feb 25, 2026

Dividend

Ex-dividend Nov 10, 2025

$0.12

Quarterly

Record Nov 10, 2025 · Payment Nov 26, 2025

Dividend

Ex-dividend Aug 11, 2025

$0.12

Quarterly

Record Aug 11, 2025 · Payment Aug 27, 2025

Dividend

Ex-dividend May 12, 2025

$0.10

Quarterly

Record May 12, 2025 · Payment May 28, 2025

CBNK peers

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