A Business at a Glance
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Capital Bancorp Inc
CBNK
$606M
Mkt Cap
$36.13
+1.40%
Capital Bancorp Inc (CBNK) has a current P/E ratio of 17.0, compared to its historical median P/E of 9.3. The stock is currently considered Expensive based on its historical valuation range.
Capital Bancorp Inc (CBNK) has a 5-year average return on invested capital (ROIC) of 16.5%. This indicates strong capital allocation and a potential competitive advantage.
Capital Bancorp Inc (CBNK) has a market capitalization of $606M. It is classified as a small-cap stock.
Yes, Capital Bancorp Inc (CBNK) pays a dividend with a trailing twelve-month yield of 1.20%. The company also returns capital through share buybacks, with a buyback yield of 1.94%.
Based on historical P/E analysis, Capital Bancorp Inc (CBNK) appears expensive. The current P/E of 17.0 is 83% above its historical median of 9.3. The estimated fair value CAGR (P/E method) is 10.6%.
Capital Bancorp Inc (CBNK) operates in the National Commercial Banks industry, within the Financials sector.
Capital Bancorp Inc (CBNK) reported annual revenue of $310 million in its most recent fiscal year, based on SEC EDGAR filings.
We are Capital Bancorp, Inc., a bank holding company and a Maryland corporation incorporated in 1998, operating primarily through our wholly-owned subsidiary, Capital Bank, N.A., a commercial-focused community bank based in the Washington, D.C. and Baltimore metropolitan areas. The Bank is headquartered in Rockville, Maryland, received its charter in 1999 and began operations the same year. We serve businesses, not-for-profit associations, entrepreneurs and others throughout the Washington, D.C., Baltimore, other Maryland markets, Delaware, Florida, Illinois, and North Carolina through seven commercial bank branches, one mortgage banking office, three loan production offices, three government loan servicing offices, and one credit card operations office. On October 1, 2024, the Company completed its acquisition of IFH. At the effective time of the merger, IFH merged with and into the Company, with the Company continuing as the surviving corporation in the acquisition.
| Metric | TTM | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 |
|---|---|---|---|---|---|---|
| Revenue | 310M | 310M | 245M | 208M | 180M | 174M |
| Net Income | 57M | 57M | 31M | 36M | 42M | 40M |
| EPS | $3.41 | $3.41 | $2.12 | $2.55 | $2.91 | $2.84 |
| Free Cash Flow | 67M | 67M | 33M | 45M | 50M | 132M |
| ROIC | 38.8% | 15.1% | 10.1% | 15.0% | 19.8% | 22.4% |
| Gross Margin | 74.6% | 74.6% | 69.8% | 76.3% | 94.4% | 94.3% |
| Debt/Equity | 0.00 | 0.00 | 0.01 | 0.00 | 0.00 | 0.00 |
| Dividends/Share | $0.44 | $0.44 | $0.36 | $0.28 | $0.22 | $0.10 |
| Operating Income | 75M | 75M | -3.7M | -4.6M | -4.5M | 54M |
| Operating Margin | 24.2% | 24.2% | -1.5% | -2.2% | -2.5% | 31.0% |
| ROE | 14.2% | 15.1% | 10.2% | 15.0% | 19.8% | 22.4% |
| Shares Outstanding | 17M | 17M | 15M | 14M | 14M | 14M |
| Metric | ||||||||||
|---|---|---|---|---|---|---|---|---|---|---|
| Income Statement | ||||||||||
| Revenue | 72M | 85M | 108M | 147M | 174M | 180M | 208M | 245M | 310M | 310M |
| Gross Margin | 85.5% | 84.3% | 82.7% | 83.4% | 94.3% | 94.4% | 76.3% | 69.8% | 74.6% | 74.6% |
| R&D | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| SG&A | 24M | 25M | 33M | 33M | 38M | 43M | 49M | 56M | 72M | 72M |
| EBIT | 427K | 18M | 1.6M | 35M | 54M | -4.5M | -4.6M | -3.7M | 75M | 75M |
| Op. Margin | 0.6% | 20.8% | 1.5% | 23.8% | 31.0% | -2.5% | -2.2% | -1.5% | 24.2% | 24.2% |
| Net Income | 7.1M | 13M | 17M | 26M | 40M | 42M | 36M | 31M | 57M | 57M |
| Net Margin | 9.9% | 15.0% | 15.7% | 17.5% | 23.0% | 23.2% | 17.2% | 12.7% | 18.4% | 18.4% |
| Non-Recurring | -77K | -276K | 0 | 20K | 0 | -14K | 0 | 0 | 0 | 0 |
| Returns on Capital | ||||||||||
| ROIC | 9.4% | 13.1% | 13.6% | 17.6% | 22.4% | 19.8% | 15.0% | 10.1% | 15.1% | 38.8% |
| ROE | 9.4% | 13.1% | 13.6% | 17.6% | 22.4% | 19.8% | 15.0% | 10.2% | 15.1% | 14.2% |
| ROA | 0.7% | 1.2% | 1.3% | 1.6% | 2.0% | 2.0% | 1.6% | 1.1% | 1.7% | 1.6% |
| Cash Flow | ||||||||||
| Op. Cash Flow | 35M | 28M | -27M | 5.5M | 132M | 51M | 47M | 35M | 70M | 70M |
| Free Cash Flow | 33M | 27M | -28M | 5.2M | 132M | 50M | 45M | 33M | 67M | 67M |
| Owner Earnings | 33M | 27M | -29M | 3.6M | 130M | 49M | 45M | 32M | 67M | 67M |
| CapEx | 1.4M | 1.7M | 303K | 267K | 24K | 1.6M | 2.2M | 2.2M | 2.4M | 2.4M |
| Maint. CapEx | 983K | 1.1M | 1.1M | 844K | 561K | 364K | 324K | 737K | 1.4M | 1.4M |
| Growth CapEx | 439K | 650K | 0 | 0 | 0 | 1.2M | 1.8M | 1.4M | 950K | 950K |
| D&A | 983K | 1.1M | 1.1M | 844K | 561K | 364K | 324K | 737K | 1.4M | 1.4M |
| CapEx/OCF | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 3.4% |
| Capital Allocation | ||||||||||
| Dividends Paid | 0 | 0 | 0 | 0 | 1.4M | 3.1M | 3.9M | 5.3M | 7.3M | 7.3M |
| Dividend Yield | N/A | N/A | N/A | N/A | 0.5% | 1.0% | 1.5% | 1.6% | N/A | 1.2% |
| Share Buybacks | 512K | 45K | 371K | 3.7M | 0 | 0 | 8.8M | 1.4M | 12M | 12M |
| Buyback Yield | N/A | 0.0% | 0.2% | 2.1% | N/A | N/A | 2.6% | 0.3% | 0.0% | 1.9% |
| Stock-Based Comp | 506K | 570K | 795K | 983K | 1.3M | 1.7M | 1.8M | 1.9M | 1.6M | 1.6M |
| Debt Repayment | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Balance Sheet | ||||||||||
| Net Debt | N/A | N/A | N/A | -247M | -184M | -80M | -54M | -203M | -254M | -254M |
| Cash & Equiv. | 52M | 35M | 115M | 147M | 183M | 80M | 54M | 205M | 256M | 256M |
| Long-Term Debt | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 1.0M | 833K | 833K |
| Debt/Equity | 11.81 | 8.65 | 9.71 | 0.00 | 0.00 | 0.00 | 0.00 | 0.01 | 0.00 | 0.00 |
| Interest Coverage | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 1.2 |
| Equity | 80M | 115M | 133M | 159M | 198M | 224M | 255M | 355M | 402M | 402M |
| Total Assets | 1.0B | 1.1B | 1.4B | 1.9B | 2.1B | 2.1B | 2.2B | 3.2B | 3.6B | 3.6B |
| Total Liabilities | 946M | 990M | 1.3B | 1.7B | 1.9B | 1.9B | 2.0B | 2.9B | 3.2B | 3.2B |
| Intangibles | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 16M | 15M | 15M |
| Retained Earnings | 53M | 66M | 82M | 107M | 145M | 182M | 213M | 243M | 293M | 293M |
| Working Capital | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Current Assets | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Current Liabilities | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Per Share Data | ||||||||||
| EPS | 0.62 | 1.02 | 1.21 | 1.87 | 2.84 | 2.91 | 2.55 | 2.12 | 3.41 | 3.41 |
| Owner EPS | 2.91 | 2.13 | -2.09 | 0.26 | 9.25 | 3.44 | 3.22 | 2.21 | 3.98 | 3.98 |
| Book Value | 6.99 | 9.15 | 9.55 | 11.54 | 14.06 | 15.59 | 18.12 | 24.31 | 23.96 | 23.96 |
| Cash Flow/Share | 3.04 | 2.26 | -1.95 | 0.40 | 9.38 | 3.58 | 3.37 | 2.39 | 4.16 | 3.49 |
| Dividends/Share | N/A | N/A | N/A | 0.00 | 0.10 | 0.22 | 0.28 | 0.36 | 0.44 | 0.44 |
| Shares Out. | 11.5M | 12.5M | 14.0M | 13.8M | 14.1M | 14.4M | 14.1M | 14.6M | 16.8M | 16.8M |
| Valuation | ||||||||||
| P/E Ratio | N/A | 10.5 | 11.4 | 7.0 | 8.8 | 7.6 | 9.3 | 13.3 | N/A | 10.6 |
| P/FCF | N/A | 5.0 | N/A | 34.8 | 2.7 | 6.4 | 7.4 | 12.5 | N/A | 9.0 |
| EV/EBIT | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 4.7 |
| Price/Book | N/A | 1.2 | 1.4 | 1.1 | 1.8 | 1.4 | 1.3 | 1.2 | N/A | 1.5 |
| Price/Sales | N/A | 2.0 | 1.8 | 1.1 | 1.7 | 1.9 | 1.6 | 1.8 | N/A | 2.0 |
| FCF Yield | N/A | 19.8% | -14.3% | 2.9% | 37.5% | 15.7% | 13.5% | 8.0% | N/A | 11.1% |
| Market Cap | N/A | 134M | 193M | 181M | 352M | 318M | 335M | 410M | 0 | 606M |
| Avg. Price | N/A | 11.73 | 11.77 | 10.87 | 20.15 | 22.53 | 18.76 | 22.66 | 0.00 | 36.13 |
| Year-End Price | N/A | 10.70 | 13.82 | 13.08 | 25.03 | 22.13 | 23.80 | 28.09 | 0.00 | 36.13 |
Capital Bancorp Inc passes 5 of 9 quality checks, suggesting mixed fundamentals.
Capital Bancorp Inc trades at 17.0x trailing earnings, compared to its 15-year median P/E of 9.3x, suggesting it is currently Expensive relative to its historical range. On a free-cash-flow basis, the stock trades at 15.1x vs a median of 6.9x. The company's 5-year average ROIC is 16.5% with a gross margin of 81.9%. Total shareholder yield (dividends + buybacks) is 3.1%. At current prices, the estimated annualized return to fair value is +16.8%.
Capital Bancorp Inc (CBNK) has a net profit margin of 18.4%. This is a healthy margin.
Capital Bancorp Inc (CBNK) generated $67 million in free cash flow in its most recent fiscal year. Positive free cash flow supports dividends, buybacks, and debt reduction.
Capital Bancorp Inc (CBNK) has a debt-to-equity ratio of 0.00. This indicates a conservatively financed balance sheet.
Capital Bancorp Inc (CBNK) reported earnings per share (EPS) of $3.41 in its most recent fiscal year.
Capital Bancorp Inc (CBNK) has a return on equity (ROE) of 15.1%. This indicates the company generates strong returns for shareholders.
Capital Bancorp Inc (CBNK) has a 5-year average gross margin of 81.9%. This high margin suggests strong pricing power and a potential competitive moat.
The Ledger Terminal provides 9 years of financial data for Capital Bancorp Inc (CBNK), sourced directly from SEC EDGAR filings. This includes income statements, balance sheets, cash flow statements, and key financial ratios.
Capital Bancorp Inc (CBNK) has a book value per share of $23.96, based on its most recent annual SEC filing.