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

$502.49M

P/E (TTM)

9.1

21.8

Dividend Yield

1.6%

52W High

$36.40

52W Low

$26.40

52W Range

44%

Rank38Top 36.9%

4.3

F-Score

Modified Piotroski Analysis

Based on 10-year fundamentals

Average • 4.3 / 9 points

Scoring Range (0-9)

8-9: Excellent Value

6-7: Strong Fundamentals

4-5: Average Quality

0-3: Weak Performance

Data Period: 2016-2025

Financial Dashboard

Q1 2026 Data

Revenue

$67.97M+0.00%

4-Quarter Trend

EPS

$0.74+0.00%

4-Quarter Trend

FCF

$21.13M+0.00%

4-Quarter Trend

2025 Annual Earnings Highlights

Key Highlights

Net Income Surges 84.6% GAAP Net Income reached $57.2 million, augmented by the IFH acquisition and strong organic growth across divisions.

NII Grows, NIM Compresses Net Interest Income increased 26.7% to $196.0 million; however, Net Interest Margin compressed 12 basis points to 6.10%.

Fee Income Driven by Windsor Noninterest income rose 56.6% to $49.2 million, primarily driven by full-year results from Windsor Advantage servicing revenue.

Asset Quality Stable Overall Provision for credit losses decreased 15.5% to $15.0 million; Net Charge-off ratio slightly increased to 0.45% of average loans.

Risk Factors

Internal Control Material Weakness Material weakness identified in internal control over financial reporting related to IFH inherited clearing accounts; remediation is underway.

Credit Stress in Specific Portfolios Commercial and Industrial net charge-offs totaled $3.4 million, largely attributable to unguaranteed portions of SBA loans.

Funding Reliance Increased FHLB advances increased substantially to $50.0 million, indicating greater reliance on wholesale funding sources for liquidity needs.

CRE Concentration Risk Noted Bank's non-owner-occupied CRE loans to total capital ratio hit 302%, exceeding the 300% regulatory guideline threshold.

Outlook

Remediation of Control Deficiencies Management is executing a remediation plan involving new personnel and enhanced reconciliation procedures to resolve the material weakness.

Focus on Fee-Based Growth Strategy emphasizes scaling consumer fee-based platforms like OpenSky and leveraging technology for operational efficiencies.

Regulatory Environment Uncertainty Future legislative changes regarding financial services regulation and CFPB structure create ongoing uncertainty for compliance costs.

Maintaining Capital Strength Company and Bank remain 'well capitalized,' but growth depends on earnings to maintain regulatory capital ratios above minimums.

Peer Comparison

Revenue (TTM)

PGC

$454.85M

+10.9%

MSBI

$449.08M

-21.2%

BWB

$303.66M

+17.2%

Gross Margin (Latest Quarter)

NRIM

81.3%

+5.0pp

ACNB

80.8%

-3.2pp

RRBI

73.7%

+4.0pp

Key Metrics

Symbol	Market Cap	P/E (TTM)	ROE (TTM)	Debt to Assets
PGC	$744.28M	16.8	6.7%	1.4%
RRBI	$585.90M	13.2	12.5%	0.0%
NFBK	$581.35M	116.3	0.7%	15.6%

Long-Term Trends

Last 4 Quarters

Revenue

Net Income

Operating Cash Flow

4Q Revenue CAGR

-4.0%

Flat Growth

4Q Net Income CAGR

-2.9%

Stable Profitability

Cash Flow Stability

75%

Volatile Cash Flow

Deep Research

Next earnings:Jul 16, 2026

EPS:$0.81

Revenue:$64.84M

Financials

Earnings Calls

Reports

News

Income Statement

Balance Sheet

Cash Flow Statement

Ratios

% Chg.

Income Statement	LTM

No Data