Capital Bancorp, Inc. CBNK

Competitive advantage analysis · financial-services

Bank Specialized
Overall moat score
59/100
Moderate

Ranked against 399 peers in Banks - Regional

About Capital Bancorp, Inc.

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 four divisions: Commercial Banking, Capital Bank Home Loans, OpenSky, Windsor Advantage. The company offers a range of deposit products, including checking and savings, … Full CBNK analysis →

Key strengths

  • Strong Capital Position Capital position is strong (score 0.79), exceeding regulatory minimums.
  • Disciplined Risk Management Risk management appears disciplined (asset quality score 0.94).

Key risks

  • Operational Inefficiency Operational efficiency lags peers (score 0.33).
  • Weak Net Interest Margin Net interest margin proxy is weak (score 0.33).

The dashed ring is the peer median. Defense scores are percentile ranks against peers, so 50 is roughly the typical company in this group.

Upgrade to unlock the signals and evidence behind each defense.

Premium access

Unlock full defense analysis

Get key signals, strengths, and risks for every moat dimension.

Upgrade to Premium Unlock all moat defenses and evidence.

Deposit Franchise

Developing
47
Premium

Signals, strengths and risks for Deposit Franchise

Premium

Signals, strengths and risks for Lending Advantage

Premium

Signals, strengths and risks for Capital Strength

Premium

Signals, strengths and risks for Cost Discipline

Premium

Signals, strengths and risks for Revenue Diversification

Premium

Signals, strengths and risks for Risk Management

Where CBNK ranks in Banks - Regional

Capital Bancorp, Inc. ranks #137 of 393 scored companies in Banks - Regional by moat score — the top 35%. The widest moat in the group is 1st Source Corporation (SRCE) at 86/100.

# Company Moat score Rating
133 First Financial Bancorp. FFBC 60/100 Moderate
134 Citizens Financial Services, In CZFS 60/100 Moderate
135 BayCom Corp BCML 59/100 Moderate
136 BV Financial, Inc. BVFL 59/100 Moderate
137 Capital Bancorp, Inc. CBNK 59/100 Moderate
138 Ohio Valley Banc Corp. OVBC 59/100 Moderate
139 Univest Financial Corporation UVSP 59/100 Moderate
140 USCB Financial Holdings, Inc. USCB 59/100 Moderate
141 Sterling Bancorp, Inc. SBT 59/100 Moderate

See every Banks & Lenders company ranked by moat score →

How CBNK scores on the Bank Specialized defenses

Deposit Franchise

Score 47 · 22% of the moat score

A deposit franchise is the cheapest and most valuable thing a bank can own.

Lending Advantage

Score 47 · 18% of the moat score

Lending advantage is the ability to originate loans at attractive spreads without buying that volume with looser credit standards.

Capital Strength

Score 84 · 20% of the moat score

Capital is the buffer between loan losses and insolvency, and it is what regulators judge a bank on first.

Cost Discipline

Score 40 · 16% of the moat score

Banking carries high fixed costs in branches, compliance and technology, so what it costs to run the bank relative to what the bank earns is a genuine competitive variable.

Revenue Diversification

Score 61 · 14% of the moat score

A bank earning everything from net interest income is a leveraged bet on the rate cycle.

Risk Management

Score 84 · 10% of the moat score

Risk management is the defense that only reveals itself late.

How each Bank Specialized defense is measured, in full →

Understanding CBNK's moat

What is Capital Bancorp, Inc.'s moat score?

Capital Bancorp, Inc. (CBNK) scores 59 out of 100 on the StatsAlpha Moat Map, which rates its competitive advantage as moderate. It ranks #137 of 393 scored companies in Banks - Regional, the top 35%. The score is a weighted composite of 6 competitive defenses, each measured against industry peers of 399 companies in Banks - Regional. Its strongest defense is Capital Strength (84/100) and its weakest is Cost Discipline (40/100).

How does Capital Bancorp, Inc. compare with other Banks - Regional companies?

Capital Bancorp, Inc. ranks #137 of 393 scored companies in Banks - Regional by moat score. The widest moat in Banks - Regional is 1st Source Corporation (SRCE) at 86/100. The companies ranked closest are BV Financial, Inc. (BVFL) at 59 just above it and Ohio Valley Banc Corp. (OVBC) at 59 just below it.

How is the moat score calculated?

Each company is scored with an industry-specific template — Bank Specialized in this case, chosen because the defenses that matter to a bank are not the ones that matter to a software company. Every defense combines several financial signals, and each signal is measured as a percentile against a peer group of 399 companies in Banks - Regional. The defenses are then weighted to produce the overall score out of 100.

Why is Capital Bancorp, Inc. scored with the Bank Specialized template?

A bank does not sell a product at a margin. It funds itself, lends at a spread, and books profits that remain an estimate until the loans are actually repaid. That makes the usual margin-and-return questions misleading, so the Bank template scores what really determines a bank's durability: where its funding comes from, what it lends against, how much capital stands behind it, and whether it has been pricing risk honestly.

Which competitive defenses are measured for Capital Bancorp, Inc.?

The Bank Specialized template measures 6 defenses, and CBNK scores: Deposit Franchise (47), Lending Advantage (47), Capital Strength (84), Cost Discipline (40), Revenue Diversification (61), Risk Management (84). Each is scored independently as a percentile against peers, so a company can be strong on one and weak on another — the overall score reflects how those defenses are weighted for this industry.

Send Feedback
Please select a category.
0/1000