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CBNK

Capital Bancorp, Inc.

CBNK

Capital Bancorp, Inc. • NASDAQ
$27.80 ▼ -1.21% (-0.34)
Market Cap $461.78 M
52w High $36.40
52w Low $24.69
Dividend Yield 0.44%
P/E 9.49
Volume 13.53K
Outstanding Shares 16.61M

Income Statement

Period Revenue Operating Expense Net Income Net Profit Margin Earnings Per Share EBITDA
Q3-2025 $74.845M ▼ $37.24M ▼ $15.065M ▲ 20.128% ▲ $0.91 ▲ $20.936M ▲
Q2-2025 $76.713M ▲ $38.593M ▲ $13.136M ▼ 17.124% ▼ $0.79 ▼ $18.093M ▼
Q1-2025 $75.309M ▲ $38.053M ▲ $13.932M ▲ 18.5% ▲ $0.84 ▲ $19.192M ▲
Q4-2024 $71.189M ▲ $35.083M ▲ $7.533M ▼ 10.582% ▼ $0.45 ▼ $13.741M ▲
Q3-2024 $59.245M $29.725M $8.672M 14.638% $0.62 $10.447M

Balance Statement

Period Cash & Short-term Total Assets Total Liabilities Total Equity
Q3-2025 $420.442M ▲ $3.389B ▲ $2.995B ▼ $394.77M ▲
Q2-2025 $402.678M ▲ $3.389B ▲ $3.009B ▲ $380.035M ▲
Q1-2025 $384.325M ▲ $3.35B ▲ $2.98B ▲ $369.577M ▲
Q4-2024 $307.957M ▼ $3.207B ▲ $2.852B ▲ $355.139M ▲
Q3-2024 $365.342M $2.561B $2.281B $280.111M

Cash Flow Statement

Period Net Income Cash From Operations Cash From Investing Cash From Financing Net Change Free Cash Flow
Q3-2025 $15.065M ▲ $32.9M ▲ $-88.087M ▼ $-30.558M ▼ $-85.745M ▼ $31.652M ▲
Q2-2025 $13.136M ▼ $-4.213M ▼ $-60.282M ▲ $45.114M ▼ $-19.381M ▼ $-4.724M ▼
Q1-2025 $13.932M ▲ $22.581M ▼ $-61.079M ▲ $127.153M ▲ $88.655M ▲ $22.387M ▼
Q4-2024 $7.533M ▼ $25.904M ▲ $-63.06M ▲ $85.788M ▼ $48.632M ▲ $23.886M ▲
Q3-2024 $8.672M $-464K $-83.747M $104.4M $20.189M $180K

Revenue by Products

Product Q4-2024Q1-2025Q2-2025Q3-2025
Bank Servicing
Bank Servicing
 $0 ▲$0 ▲$0 ▲$0 ▲
Credit Card
Credit Card
 $10.00M ▲$0 ▼$0 ▲$0 ▲
Mortgage Banking
Mortgage Banking
 $0 ▲$0 ▲$0 ▲$0 ▲

Five-Year Company Overview

Income Statement

Income Statement Revenue has climbed steadily over the past several years, showing that the bank is successfully expanding its business lines and customer base. Core profitability has been relatively consistent, suggesting a disciplined approach to pricing, costs, and risk. Earnings per share, however, have eased back from their recent peak. Profit is still comfortably above pre‑pandemic levels, but the slight step down hints at pressures such as higher funding costs, a tougher rate environment, or integration costs from acquisitions. Overall, the story is one of healthy growth over the long run with some recent margin compression that’s worth watching.

Balance Sheet

Balance Sheet The balance sheet has grown meaningfully, reflecting both organic growth and the impact of acquisitions. Total assets have expanded, and cash on hand has improved compared with some prior years, providing more flexibility and liquidity. Debt levels appear modest relative to the size of the balance sheet and the equity base, which has been building steadily. Rising equity suggests that the bank has been retaining earnings and strengthening its capital position. Altogether, it looks like a generally conservative balance sheet for a growing regional bank, though the larger size now brings greater responsibility for managing credit and funding risks.

Cash Flow

Cash Flow The business consistently generates positive cash from operations, showing that earnings are backed by actual cash inflows over time. There have been some swings from year to year, which is common for financial institutions and can reflect changes in loans, deposits, and working capital rather than underlying weakness. Free cash flow tracks operating cash flow closely because this is not a capital‑intensive business in terms of physical assets. The main takeaway is that the bank’s cash generation supports its growth and strategic initiatives, though investors should remember that bank cash flow statements can be noisy and are best interpreted alongside capital and asset quality trends.

Competitive Edge

Competitive Edge Capital Bancorp operates as a regional bank with a strong local presence in the Washington, D.C. and Baltimore areas, combined with several national product lines. This mix gives it both community‑bank intimacy and broader, diversified revenue streams. Its commercial banking franchise is paired with a nationwide mortgage platform, a secured credit card business aimed at underserved customers, and an SBA/USDA loan servicing arm. This combination stands out among smaller banks and helps reduce reliance on any single product or region. On the flip side, it competes against much larger banks and fintechs, which means it must execute well on service quality, niche focus, and technology to maintain its edge.

Innovation and R&D

Innovation and R&D The company is leaning heavily into digital transformation. A new digital banking platform, built with a specialist technology partner, aims to deliver a modern experience for business customers and support scalable growth. This should help it compete more effectively with larger banks on usability and convenience. Beyond the front end, management is pursuing a multi‑year data and artificial intelligence roadmap to improve analytics, risk management, and operational efficiency. Hiring leadership specifically for digital transformation underscores this priority. These initiatives could meaningfully enhance performance over time, but they also introduce execution risk, ongoing technology costs, and higher expectations around cybersecurity and data governance.

Summary

Capital Bancorp’s financial profile shows a bank that has grown steadily, strengthened its capital base, and maintained solid profitability, even as earnings have come off their highs. The balance sheet looks relatively sound, with rising equity and manageable debt, while cash generation supports continued expansion. Strategically, the bank blends relationship‑driven community banking with specialized national platforms in mortgages, secured credit cards, and SBA/USDA loan services. Recent acquisitions and a strong push into digital banking and AI‑driven data capabilities are designed to deepen this competitive position. Key areas to monitor include how well the bank manages margin pressure in a shifting rate environment, integrates acquisitions, maintains credit quality in its niche lending segments, and executes on its ambitious technology roadmap. Overall, it is positioning itself as a tech‑forward regional bank with diversified income streams and a growing, but more complex, franchise.

NEWS

November 14, 2025 · 4:05 PM UTC

Capital Bancorp Appoints Jacob Dalaya as Chief Financial Officer

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October 27, 2025 · 5:05 PM UTC

CBNK Reports 3Q EPS of $0.89; 3Q ROA of 1.77% and ROE of 15.57%; Continued Strong Growth in Loans and Book Value

Read more