Capital Bancorp, Inc.

NASDAQ•CBNK

CEO: Mr. Edward F. Barry

セクター: Financial Services

業種: Banks - Regional

上場日: 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.

連絡先情報

2275 Research Boulevard, Suite 600, Rockville, MD, 20850, United States

301-468-8848

capitalbankmd.com

時価総額

$554.94M

PER (TTM)

10.1

16.8

配当利回り

1.4%

52週高値

$36.40

52週安値

$26.40

52週レンジ

77%

順位38Top 36.9%

4.3

F-Score

改良版 Piotroski 分析

10年ファンダメンタル

堅調 • 4.3 / 9 ポイント

スコアレンジ (0-9)

8-9: 価値が優れている

6-7: 基礎体質が強い

4-5: 全体的に堅調

0-3: パフォーマンスが弱い

データ期間: 2016-2025

財務ダッシュボード

Q1 2026 データ

売上高

$67.97M+0.00%

直近4四半期の推移

EPS

$0.74+0.00%

直近4四半期の推移

フリーCF

$21.13M+0.00%

直近4四半期の推移

2025 Annual 決算ハイライト

主なハイライト

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.

リスク要因

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.

見通し

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.

同業比較

売上高 (TTM)

PGC

$454.85M

+10.9%

MSBI

$449.08M

-21.2%

BWB

$303.66M

+17.2%

粗利益率 (最新四半期)

NRIM

81.3%

+5.0pp

ACNB

80.8%

-3.2pp

RRBI

73.7%

+4.0pp

主要指標

銘柄コード	時価総額	PER (TTM)	ROE (TTM)	負債比率
PGC	$819.47M	18.5	6.7%	1.4%
PFIS	$635.89M	10.8	11.5%	5.8%
MSBI	$625.21M	18.3	6.2%	6.4%

長期トレンド

直近4四半期

売上高

純利益

営業キャッシュフロー

4四半期売上高CAGR

-4.0%

横ばい

4四半期純利益CAGR

-2.9%

収益性の安定

キャッシュフロー安定性

75%

キャッシュフローの変動が大きい

深度リサーチ

財務データ

決算説明会

財務レポート

ニュース

損益計算書

バランスシート

キャッシュフロー計算書

財務比率

変化率

損益計算書	直近12ヶ月

データなし