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Company Analysis

Capital Bancorp, Inc. CBNK

A comprehensive view of key metrics, scores, and financial health for Capital Bancorp, Inc.

Overview of Capital Bancorp, Inc.

CBNK NMS
Financial Services Banks - Regional Framework: Banks & Lenders Small Cap
Capital Bancorp, Inc. (CBNK), is a Small Cap company, in the Banks - Regional industry, last closed at $34.07, about 27.3% overvalued vs fair value, +7.9% 1Y return, ranked 647/1037 in sector.
Metrics Rev Growth 65.3% ROE 15.1% Gross Margin 73.6%
USD 34.07
1.19%
(Delayed)
• Vol 90d: 25.2%
52-Week Range
Market Cap
$548.42M
Enterprise Value
$569.59M
Overall Score
View breakdown
Overall
Growth
Good
Profitability
Good
Health
Weak
Efficiency
Fair
Valuation
Weak
Growth
Good
Profitability
Good
Health
Weak
Efficiency
Fair
Valuation
Weak
Completeness: 82%
Confidence: 50%
Updated: Mar 8
Top Beats

Quick Facts

Website https://capitalbankmd.com
HQ Rockville, MD
Fiscal year Dec 31

Next Events

Earnings Jul 27 Estimated

Fair Value Snapshot

Bear Base Bull
$14
$25
$46
Current: $34.07 -27% vs base

Engine Room Money Flow™

Small Cap

Financial Services - Where revenue goes and how value is created

Flow Steps
Interest Income
$213.3M
16.4%%
Interest Expense
$64.9M
Net Interest Income
$154.7M
9.3%%
Total Revenue
$303.6M
65.3%%
Money Flow Bridge
Flow Direction: Money moves from left to right
Components: Breakdown shows composition of each stage
Industry-Specific: Financial Services

Quality & Reliability Indicators

Return on Equity
8.7%
Fair

Net Income / Equity - key bank profitability metric

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Owner's Pocket - Capital Allocation

Total Returned to Shareholders

Combined dividends, buybacks, and debt reduction

$6.7M
21.5% of Net Income

Where It Leaks

Cash Flow Health some concerns
Moderate efficiency issues detected. Review active leaks below for improvement areas.
1
Active Leaks
0/1
Improving
1
High Impact
0
Critical
Moat Analysis Bank Specialized

Competitive Advantage Assessment

Evaluating Capital Bancorp, Inc.'s durable competitive advantages across 6 defense dimensions

Overall Moat Strength
64
/100
Moderate
Scores based on quantitative metrics and qualitative factors

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Deposit Franchise

Moderate
53
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For informational purposes only. Not investment advice.

Trade-Off Ledger™

Where management spends the performance budget - Growth, Profitability, or Safety

Banks (Regional & Diversified) vs Industry Peers 88% Coverage
Trade-Off Triangle Visualization A ternary plot showing CBNK's balance between Growth (40.5%), Profitability (41.4%), and Safety (18.1%). Growth 40% Safety 18% Profitability 41%

Click axes to expand details. Marker shows current allocation.

3-Year Trend Analysis Locked
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Growth

71th percentile vs peers
72
Key Signals
Asset Growth YoY 12.4% 81p NII Growth YoY 9.3% 76p Equity Growth YoY 39.4% 96p EPS Growth YoY -17.1% 23p
Strengths
  • Asset Growth YoY in top 20% of peers (12.4%, 81th percentile)
  • Equity Growth YoY in top 20% of peers (39.4%, 96th percentile)
  • Net Interest Margin in top 20% of peers (4.8%, 91th percentile)
  • ROE in top 20% of peers (15.1%, 85th percentile)
  • Growth above peer median with strong metric coverage (80%)
Risks

No significant risks identified for this axis.

Profitability

73th percentile vs peers
73
Key Signals
Strengths
Risks
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Safety

32th percentile vs peers
32
Key Signals
Strengths
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Two Futures

Scenario-based fair value ranges for Capital Bancorp, Inc..

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Unable to Compute Fair Value

This company cannot be valued using standard models.

What this means: The Scenario Theatre requires financial data (revenue, cash flow, shares outstanding) to calculate fair value estimates. This data may be unavailable for:

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  • Shell companies or holding companies
  • Companies that haven't filed recent financials
  • Foreign companies with limited data coverage
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Bear
-
- - -
- upside
-
Base
$24.78
- - -
-27.3% vs current
Snapshot base estimate
Bull
-
- - -
- upside
-
Fair Value Range Current: $-
$- $- $-
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