YOLFTbeta
Capital Bancorp

Capital Bancorp

CBNK · NASDAQ · Financial Services / Banks - Regional

42.12USD+0.15 (+0.36%)

Price History

Full chart

Market Stats

Previous Close41.97
Open42.00
Day Range41.74 – 42.21
52-Week Range26.11 – 38.69
Volume63.08K
Market Cap586.13M
P/E (TTM)10.55
Forward P/E8.35
EPS3.41
Dividend Yield1.39%
Beta0.51
50-Day Avg36.65
200-Day Avg32.42

About

Capital Bancorp, Inc. operates as the bank holding company for Capital Bank, N.A., provides various banking products and services to businesses, not-for-profit associations, and entrepreneurs in the United States. 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, time, interest bearing and noninterest-bearing demand, and money market accounts, as well as certificates of deposit; and secured, partially secured, and unsecured credit cards. It also originates residential mortgages; issues trust preferred securities; and provides residential and commercial real estate, construction, and commercial and industrial loans; servicing, processing, and packaging of Small Business Administration and U.S. Department of Agriculture 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, small residential builders and individuals, and financial institution clients, including Capital Bank. Capital Bancorp, Inc. was founded in 1974 and is headquartered in Rockville, Maryland.

Company Details

  • SectorFinancial Services
  • IndustryBanks - Regional
  • CEOMr. Edward F. Barry
  • Employees434
  • Headquarters2275 Research Boulevard, Rockville, MD, United States, 20850, USA
  • Websitehttps://capitalbankmd.com

Leadership

  • Mr. Edward F. BarryPresident, CEO & Director · b. 1970
  • Mr. Steven M. PoynotPresident & CEO of Capital Bank, NA and COO · b. 1979
  • Mr. Jacob DalayaChief Financial Officer · b. 1992
  • Ms. Constance E. Egan CPAChief Accounting Officer · b. 1961
  • Mr. Todd WarrenSenior VP & Market Executive for the Greater Chesapeake & Baltimore Regions
  • Mr. James D. WittySenior VP & Director of Contractor Banking · b. 1967

Financials

Income Statement

Currency: USD2000-12-312003-12-312004-12-312005-12-312006-12-312011-12-312012-12-312013-12-312014-12-312015-12-312016-12-312017-12-312018-12-312019-12-312020-12-312021-12-312022-12-312023-12-312024-12-312025-12-31
Total Revenue259.14K17.50M19.88M28.99M39.95M000053.21M69.72M71.89M85.53M107.87M147.40M173.88M180.02M206.55M242.28M303.63M
Growth (%)-+6653.93%+13.57%+45.86%+37.79%-100.00%----+31.01%+3.12%+18.97%+26.13%+36.64%+17.97%+3.53%+14.74%+17.30%+25.32%
Cost of Revenue017.50M19.88M28.99M39.95M00006.19M10.78M10.41M13.38M18.63M24.42M9.91M16.67M51.19M76.66M80.06M
Gross Profit259.14K----000047.03M58.94M61.48M72.15M89.24M122.97M163.97M163.35M155.36M165.62M223.57M
Gross Margin100.00%--------88.37%84.54%85.52%84.36%82.73%83.43%94.30%90.74%75.22%68.36%73.63%
Operating Expense1.21M----000034.85M43.38M47.38M54.40M66.53M87.83M110.09M109.11M109.13M123.79M152.96M
Operating Income-953.40K3.70M3.91M4.98M6.53M000012.18M15.56M14.10M17.75M22.71M35.14M53.88M54.23M46.23M41.83M70.61M
Operating Margin-367.91%21.13%19.66%17.19%16.34%----22.89%22.32%19.61%20.75%21.06%23.84%30.98%30.13%22.38%17.27%23.26%
EBITDA-4.14M4.32M5.49M7.64M----13.11M16.53M15.08M18.83M25.07M37.03M55.08M55.67M46.70M44.05M73.57M
EBITDA Margin-23.65%21.71%18.93%19.12%----24.63%23.71%20.98%22.02%23.24%25.12%31.68%30.92%22.61%18.18%24.23%
Net Income-962.65K2.40M3.37M3.22M4.18M1.10M2.46M2.55M-578.00K7.49M9.44M7.11M12.77M16.89M25.82M39.98M41.80M35.87M30.97M57.17M
Net Income Margin-371.48%13.70%16.97%11.12%10.47%----14.08%13.54%9.89%14.93%15.66%17.52%22.99%23.22%17.37%12.78%18.83%
R&D-----00000--0-------
R&D as % of Total Revenue---------0.00%--0.00%-------
Interest Expense01.16M1.22M2.56M3.12M00004.58M6.48M7.75M11.24M15.84M13.18M6.55M10.04M41.68M58.55M64.88M
Interest Expense % of Total Revenue0.00%6.64%6.14%8.82%7.82%----8.60%9.30%10.79%13.14%14.69%8.94%3.77%5.58%20.18%24.17%21.37%

Balance Sheet

Currency: USD2000-12-312003-12-312004-12-312005-12-312006-12-312011-12-312012-12-312014-12-312015-12-312016-12-312017-12-312018-12-312019-12-312020-12-312021-12-312022-12-312023-12-312024-12-312025-12-31
Total Assets17.33M-374.28M474.10M564.69M616.31M599.98M0743.43M905.60M1.03B1.11B1.43B1.88B2.06B2.12B2.23B3.21B3.61B
Total Liabilities12.19M-348.49M445.49M529.72M525.52M510.01M0683.77M834.85M945.89M990.49M1.29B1.72B1.86B1.90B1.97B2.85B3.20B
Total Equity5.14M-25.79M28.61M34.97M90.78M89.97M059.66M70.75M80.12M114.56M133.33M159.31M197.90M224.01M254.86M355.14M401.98M
Cash6.27M----61.12M39.61M019.91M33.97M48.55M32.44M112.98M144.54M179.74M59.73M53.56M205.27M30.89M
Total Debt--66.32M63.16M59.98M---47.07M32.99M30.62M19.39M47.65M36.02M34.06M129.06M49.06M34.06M52.06M
Net Debt--66.32M63.16M59.98M---27.16M-986.52K-17.92M-13.04M-65.33M-108.52M-145.68M69.33M-4.50M-171.21M21.17M

Cash Flow

Currency: USD2000-12-312003-12-312004-12-312005-12-312006-12-312011-12-312012-12-312013-12-312014-12-312015-12-312016-12-312017-12-312018-12-312019-12-312020-12-312021-12-312022-12-312023-12-312024-12-312025-12-31
Operating Cash Flow-601.42K3.81M5.14M5.71M7.05M5.21M6.63M4.61M4.65M16.67M7.54M34.81M28.30M-27.21M5.46M132.08M51.39M47.42M34.93M69.72M
Investing Cash Flow-6.66M-44.61M-92.54M-97.45M-89.54M-19.53M-8.04M-9.84M-25.51M-131.71M-137.15M-133.37M-109.26M-187.98M-385.51M-238.23M-198.46M-130.84M-269.95M-350.88M
Financing Cash Flow11.19M40.29M88.44M95.71M84.06M39.56M-20.11M-15.46M51.71M115.73M147.61M112.73M63.37M295.29M412.14M142.64M44.09M56.97M386.39M331.39M
Capital Expenditure33.19K275.00K148.00K1.09M1.19M351.00K437.00K439.00K375.00K1.96M670.42K1.42M1.74M303.00K267.00K24.00K1.55M2.16M2.16M2.37M
Free Cash Flow-3.53M4.99M4.61M5.87M----14.71M6.87M33.39M26.57M-27.52M5.19M132.05M49.84M45.26M32.77M67.35M
Dividends Paid-----001.01M1.41M1.48M--1.38M25.48M10.85M1.38M3.08M3.92M5.28M7.30M
FCF to OCF-92.78%97.12%80.85%83.15%----88.27%91.10%95.92%93.87%101.11%95.11%99.98%96.98%95.45%93.82%96.60%
Dividend Paid to FCF---------10.05%--5.20%-92.62%208.98%1.05%6.19%8.66%16.10%10.83%

Earnings

Report DateSep 26, 2018Oct 25, 2018Feb 8, 2019Apr 24, 2019Jul 24, 2019Oct 22, 2019Jan 23, 2020Apr 30, 2020Jul 23, 2020Oct 26, 2020Jan 27, 2021Apr 22, 2021Jul 22, 2021Oct 25, 2021Jan 26, 2022Apr 20, 2022Jul 20, 2022Oct 20, 2022Jan 25, 2023Apr 20, 2023Jul 27, 2023Oct 23, 2023Jan 22, 2024Apr 22, 2024Jul 22, 2024Oct 28, 2024Jan 27, 2025Apr 28, 2025Jul 28, 2025Oct 27, 2025Jan 26, 2026Apr 27, 2026Jul 27, 2026Oct 26, 2026
EPS Estimate-0.270.240.260.270.300.310.270.270.290.550.530.440.580.680.560.610.730.750.570.540.590.620.500.600.680.650.720.880.830.790.780.830.91
EPS Actual0.230.260.250.240.290.320.360.210.340.610.710.650.680.790.710.710.800.770.620.680.520.700.650.510.590.660.920.880.850.720.910.730.87-
Surprise--3.70%4.17%-7.69%7.41%6.67%16.13%-22.22%25.93%110.34%29.09%22.64%54.55%36.21%4.41%26.79%31.15%5.48%-17.33%19.30%-3.70%18.64%4.84%2.00%-1.67%-2.94%41.54%22.22%-3.41%-13.25%15.19%-6.41%4.82%-
TimingAfter-hoursAfter-hoursAfter-hoursPre-marketPre-marketPre-marketAfter-hoursPre-marketPre-marketAfter-hoursPre-marketPre-marketPre-marketAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hours

Key Statistics & Ratios

Market Cap586.13M
Enterprise Value221.32M
Trailing P/E10.55
Forward P/E8.35
PEG Ratio0.00
Price / Sales2.46
Price / Book1.37
EPS3.41
Book Value25.92
Revenue (TTM)238.20M
Gross Profit (TTM)238.20M
Profit Margin23.67%
Operating Margin29.94%
Return on Equity14.05%
Return on Assets1.55%
Shares Outstanding16.29M
Shares Float10.69M
Beta0.51
Dividend Yield1.39%
Dividend Rate0.50
Payout Ratio15.48%

Analyst Ratings

Strong Buy
Based on 4 analystsTarget 41.50
  • Strong Buy
    3
  • Hold
    1

Ownership Breakdown

Institutions
47.71%
Insiders
32.38%
Retail / Other
19.91%

Top Institutional Holders

  • BlackRock Inc
    722.01K4.43%
  • AllianceBernstein L.P.
    506.99K3.11%
  • Vanguard Capital Management, LLC
    496.75K3.05%
  • Dimensional Fund Advisors, Inc.
    392.75K2.41%
  • American Century Companies Inc
    295.95K1.82%
  • Sontag Advisory LLC
    291.62K1.79%
  • Pacific Ridge Capital Partners, LLC
    286.37K1.76%
  • Geode Capital Management, LLC
    282.75K1.74%
  • Kennedy Capital Management Inc
    264.46K1.62%
  • State Street Corp
    232.59K1.43%
  • Ategra Capital Management LLC
    231.26K1.42%
  • Ballast Asset Management, LP
    187.86K1.15%
  • Bridgeway Capital Management, LLC
    174.49K1.07%
  • SEI Investments Co
    167.22K1.03%

Top Fund Holders

  • Vanguard MStar Total Stk Mkt Idx Invest
    354.58K2.18%
  • iShares Russell 2000 ETF
    302.29K1.86%
  • Avantis US Small Cap Value ETF
    289.96K1.78%
  • Ballast Small/Mid Cap ETF
    135.00K0.83%
  • Fidelity Small Cap Index
    120.02K0.74%
  • Adara Smaller Companies
    113.00K0.69%

Dividends

20264×
0.14Nov 9, 20260.14Aug 10, 20260.12May 11, 20260.12Feb 9, 2026
20254×
0.12Nov 10, 20250.12Aug 11, 20250.10May 12, 20250.10Feb 10, 2025
20244×
0.10Nov 4, 20240.10Aug 5, 20240.08May 3, 20240.08Feb 2, 2024
20234×
0.08Nov 3, 20230.08Aug 4, 20230.06May 12, 20230.06Feb 3, 2023
20224×
0.06Nov 4, 20220.06Aug 5, 20220.05May 6, 20220.05Feb 7, 2022
20212×
0.05Nov 12, 20210.05Jul 29, 2021