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Capital Bancorp, Inc.

Capital Bancorp, Inc.

NASDAQ•CBNK
CEO: Mr. Edward F. Barry
Sector: Financial Services
Industry: Banks - Regional
Listing Date: 2018-09-26
Capital 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 Maryland, Virginia, and the District of Columbia. It operates through Commercial Banking, Capital Bank Home Loans, and OpenSky segments. The company offers a range of deposit products, including checking and savings, time, interest bearing and noninterest-bearing demand, and money market accounts, as well as certificates of deposit; and credit cards. It also originates residential mortgages; issues trust preferred securities; and provides residential and commercial real estate, construction, and commercial and industrial 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. Capital Bancorp, Inc. was founded in 1974 and is headquartered in Rockville, Maryland.
Contact Information
2275 Research Boulevard, Suite 600, Rockville, MD, 20850, United States
301-468-8848
capitalbankmd.com
Market Cap
$464.17M
P/E (TTM)
9.3
14.2
Dividend Yield
1.6%
52W High
$36.40
52W Low
$24.69
52W Range
28%
4.1
F-Score
Modified Piotroski Analysis
Based on 10-year fundamentals
Average • 4.1 / 9 points
Scoring Range (0-9)
8-9: Excellent Value
6-7: Strong Fundamentals
4-5: Average Quality
0-3: Weak Performance
Data Period: 2015-2024

Financial Dashboard

Q3 2025 Data

Revenue

$24.73M-58.25%
4-Quarter Trend

EPS

$0.91+46.77%
4-Quarter Trend

FCF

$33.61M+18569.44%
4-Quarter Trend

2025 Q2 Earnings Highlights

Key Highlights

Net Income Soars 83% Six-month net income reached $27.1M, an 83.3% increase year-over-year, significantly boosted by the IFH acquisition integration.
NII Growth Driven by IFH Six-month Net Interest Income grew 30.0% to $93.7M, primarily reflecting organic growth combined with the IFH acquisition contribution.
Asset Base Expanded Significantly Total assets grew $181.8M since year-end 2024, reaching $3.39B, supported by $178.8M in deposit growth funding loan expansion.
Strong Capital Position Maintained Company's Common Equity Tier 1 ratio stood at 13.58% as of June 30, 2025, well exceeding regulatory minimum requirements.

Risk Factors

NIM Compression Pressure Three-month Net Interest Margin declined 42 basis points to 6.04% due to acquisition dilution and interest rate environment shifts.
Credit Quality Deterioration Net charge-off rate annualized increased to 0.75% for Q2 2025, driven by higher credit card charge-offs compared to prior year.
Rising Nonperforming Assets Nonperforming Assets to Total Assets ratio slightly increased to 1.07% at period end, indicating minor asset quality stress.
Goodwill Adjustment Recorded Goodwill increased $1.4M due to post-acquisition refinement of estimated servicing assets and other liabilities from the IFH merger.

Outlook

Focus on Credit Quality Management prioritizes maintaining a high-quality loan portfolio and ensuring the Allowance for Credit Losses adequately covers inherent risks.
Interest Rate Risk Management Asset/Liability Management Committee actively monitors interest rate shock simulations to manage potential impacts on earnings and capital.
Continued Capital Deployment Company repurchased $2.5M in common stock during Q2 2025; $11.9M remains authorized under the current stock repurchase plan.
Segment Performance Review Performance evaluation focuses on segment-specific metrics like NIM for Commercial Bank and interchange fees for OpenSky™.

Peer Comparison

Revenue (TTM)

Midland States Bancorp, Inc.MSBI
$433.55M
-9.9%
Peapack-Gladstone Financial CorporationPGC
$319.25M
-18.5%
Peoples Financial Services Corp.PFIS
$282.16M
+40.0%

Gross Margin (Latest Quarter)

Midland States Bancorp, Inc.MSBI
100.0%
+0.0 pp
Unity Bancorp, Inc.UNTY
51.2%
-11.4 pp
ACNB CorporationACNB
0.0%
+0.0 pp

Key Metrics

Symbol
Market Cap
P/E (TTM)
ROE (TTM)
Debt to Assets
NRIM$509.19M8.121.9%0.2%
ACNB$499.18M15.28.8%10.5%
BHB$494.00M13.37.5%4.1%

Long-Term Trends

Last 4 Quarters
Revenue
Net Income
Operating Cash Flow
4Q Revenue CAGR
-29.7%
Growth Under Pressure
4Q Net Income CAGR
+26.0%
Profitability Improved
Cash Flow Stability
75%
Volatile Cash Flow

Research & Insights

Reports
All Years

  • Form 10-Q - Q4 2025

    Period End: Sep 30, 2025|Filed: Nov 10, 2025|Refer to amended data

  • Form 10-Q - Q2 2025

    Period End: Jun 30, 2025|Filed: Aug 8, 2025|
    Revenue: $56.67M-1.5%
    |
    EPS: $0.79+33.9%
    Miss

  • Form 10-Q - Q1 2025

    Period End: Mar 31, 2025|Filed: May 9, 2025|
    Revenue: $75.31M+38.6%
    |
    EPS: $0.84+78.7%
    Beat

  • Form 10-K - FY 2024

    Period End: Dec 31, 2024|Filed: Mar 17, 2025|
    Revenue: $242.28M+17.3%
    |
    EPS: $2.12-17.2%
    Beat

  • Form 10-Q - Q3 2024

    Period End: Sep 30, 2024|Filed: Nov 12, 2024|
    Revenue: $59.25M+9.6%
    |
    EPS: $0.62-11.4%
    Miss

  • Form 10-Q - Q2 2024

    Period End: Jun 30, 2024|Filed: Aug 9, 2024|
    Revenue: $57.51M+11.1%
    |
    EPS: $0.59+13.5%
    Meet

  • Form 10-Q - Q1 2024

    Period End: Mar 31, 2024|Filed: May 10, 2024|
    Revenue: $54.34M+9.9%
    |
    EPS: $0.47-31.9%
    Miss

  • Form 10-K - FY 2023

    Period End: Dec 31, 2023|Filed: Mar 15, 2024|
    Revenue: $206.55M+14.7%
    |
    EPS: $2.56-14.1%
    Beat