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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
$491.68M
P/E (TTM)
9.9
14.8
Dividend Yield
1.5%
52W High
$36.40
52W Low
$24.69
52W Range
42%
Rank44Top 40.4%
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

$74.85M+26.33%
4-Quarter Trend

EPS

$0.91+46.77%
4-Quarter Trend

FCF

$31.65M+17484.44%
4-Quarter Trend

2025 Q3 Earnings Highlights

Key Highlights

Strong Net Income Growth Q3 Net Income $15.1M, up 73.7% YoY. Nine-month income $42.1M, reflecting strong growth post-IFH acquisition integration.
Net Interest Margin Expansion Net Interest Margin improved significantly to 5.53% for Q3 2025, up 64 basis points. Nine-month NIM reached 5.12%, driven by asset yields.
Total Assets Growth Total assets reached $3.39B as of September 30, 2025. Loan portfolio net balance stands at $2.77B, reflecting organic growth and acquisition.
Tangible Equity Rises Tangible Common Equity grew 11.2% year-over-year to $353.8M. Tangible Book Value per Share increased 11.7% to $21.33.

Risk Factors

Nonperforming Assets Increase Nonperforming Assets rose to $52.2M (1.54% of total assets) from $30.2M (0.94%) at year-end 2024, impacted by acquired loans.
Rising Past Due Loans Past due loans balance increased $46.9M to $113.7M, representing 4.0% of gross loans, up from 2.5% at December 31, 2024.
Higher Credit Loss Provision Nine-month provision for credit losses increased $1.1M to $11.0M. Net charge-offs were 0.49% annualized, slightly down from 0.51% prior year.
Government Operations Risk Continued US federal government shutdown risk could adversely affect business operations, loan performance, and credit exposure in key markets.

Outlook

Adequate Credit Loss Reserve Management believes current ACL coverage ratio (1.88%) is adequate, despite loan reclassification impacting reserves by $3.4M measurement adjustment.
Interest Rate Sensitivity Exposure Significant interest rate risk exists; a 400 bps drop in rates could reduce net interest income by 23.0% based on EVE analysis.
Segment Performance Focus Performance review focuses on four segments: Commercial Banking, OpenSky, Windsor Advantage, and CBHL, with Commercial Banking driving most revenue.
Stock Repurchase Program Company announced a new stock repurchase program authorized up to $15M, expiring February 2026; no shares repurchased in Q3 2025.

Peer Comparison

Revenue (TTM)

Midland States Bancorp, Inc.MSBI
$483.78M
+0.6%
Peapack-Gladstone Financial CorporationPGC
$430.74M
+9.9%
Capital Bancorp, Inc.CBNK
$298.06M
+33.1%

Gross Margin (Latest Quarter)

Midland States Bancorp, Inc.MSBI
100.0%
+0.0pp
Unity Bancorp, Inc.UNTY
51.2%
-11.4pp
Peoples Financial Services Corp.PFIS
0.0%
+0.0pp

Key Metrics

Symbol
Market Cap
P/E (TTM)
ROE (TTM)
Debt to Assets
NRIM$611.25M9.721.9%0.2%
UNTY$555.78M10.317.2%8.4%
BHB$548.89M14.87.5%4.1%

Long-Term Trends

Last 4 Quarters
Revenue
Net Income
Operating Cash Flow
4Q Revenue CAGR
1.7%
Moderate Growth
4Q Net Income CAGR
26.0%
Profitability Improved
Cash Flow Stability
75%
Volatile Cash Flow

Research & Insights

Next earnings:Jan 26, 2026
|
EPS:$0.83
|
Revenue:-
Reports
All Years

  • Form 10-Q - Q3 2025

    Period End: Sep 30, 2025|Filed: Nov 10, 2025|
    Revenue: $74.85M+26.3%
    |
    EPS: $0.91+46.8%
    Beat

  • Form 10-Q - Q2 2025

    Period End: Jun 30, 2025|Filed: Aug 8, 2025|
    Revenue: $76.71M+33.4%
    |
    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