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Capital Bancorp
(NASDAQ:CBNK)
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Rating:70Outperform
Price Target:
$39.00
▲(7.17% Upside)
Action:Reiterated
Date:09/30/26
CBNK scores as a solid but not momentum-driven setup. The largest support comes from healthy financial performance (profitability, conservative leverage, and solid cash generation), with a meaningful boost from positive corporate developments (merger agreement and dividend hike). Offsetting these, technical indicators point to weak near-term momentum, while valuation is supportive with a relatively low P/E and a modest dividend yield.
Positive Factors
Conservative Balance Sheet
Low reported leverage and sustained equity growth provide Capital Bancorp with a stronger capital cushion than a highly levered bank. This supports resilience through credit or earnings volatility and preserves flexibility to fund lending, invest in operations, or pursue strategic opportunities.
Negative Factors
Cooling Revenue and Margins
The recent reversal from strong revenue growth to a TTM decline, together with lower operating margins, signals that earnings momentum has cooled. If sustained, weaker growth and spread pressure could limit operating leverage and reduce the pace at which profitability and capital compound.
Read all positive and negative factors
Positive Factors
Negative Factors
Conservative Balance Sheet
Low reported leverage and sustained equity growth provide Capital Bancorp with a stronger capital cushion than a highly levered bank. This supports resilience through credit or earnings volatility and preserves flexibility to fund lending, invest in operations, or pursue strategic opportunities.
Read all positive factors
Capital Bancorp (CBNK) vs. SPDR S&P 500 ETF (SPY)
Market Cap
$580.75M
Dividend Yield1.27%
Average Volume (3M)48.23K
Price to Earnings (P/E)11.5
Beta (1Y)0.75
Revenue Growth11.76%
EPS Growth26.80%
CountryUS
Employees447
SectorFinancial
Sector Strength70
IndustryBanks - Regional
Share Statistics
EPS (TTM)3.43
Shares Outstanding16,290,457
10 Day Avg. Volume56,463
30 Day Avg. Volume48,234
Financial Highlights & Ratios
PEG Ratio0.13
Price to Book (P/B)1.16
Price to Sales (P/S)1.53
P/FCF Ratio6.90
Enterprise Value/Market Cap<0.01
Enterprise Value/Revenue<0.01
Enterprise Value/Gross Profit<0.01
Enterprise Value/Ebitda<0.01
Forecast
1Y Price Target
$41.88Price Target Upside15.07% Upside
Rating ConsensusHold
Number of Analyst Covering3
EPS Forecast (FY)3.47
Revenue Forecast (FY)$267.78M
Capital Bancorp Business Overview & Revenue Model
Company Description
As the holding company for Capital Bank, N.A., Capital Bancorp, Inc. delivers a diverse suite of financial and banking services across the United States. Its clientele encompasses businesses, non-profit entities, and entrepreneurs. The company org...
How the Company Makes Money
Capital Bancorp primarily generates earnings through traditional banking activities. Its largest source of revenue is typically net interest income, which is the spread between (a) interest earned on interest-earning assets—such as commercial loan...
Capital Bancorp Financial Statement Overview
Summary
Income Statement
72
Positive
Balance Sheet
78
Positive
Cash Flow
70
Positive
| Breakdown | TTM | Dec 2025 | Dec 2024 | Dec 2023 | Dec 2022 | Dec 2021 |
|---|---|---|---|---|---|---|
Income Statement | ||||||
| Total Revenue | 292.72M | 303.63M | 242.28M | 206.55M | 180.02M | 173.88M |
| Gross Profit | 215.07M | 223.57M | 165.62M | 155.36M | 163.35M | 163.97M |
| EBITDA | 49.04M | 73.57M | 44.05M | 46.70M | 55.67M | 55.08M |
| Net Income | 56.37M | 57.17M | 30.97M | 35.87M | 41.80M | 39.98M |
Balance Sheet | ||||||
| Total Assets | 3.89B | 3.61B | 3.21B | 2.23B | 2.12B | 2.06B |
| Cash, Cash Equivalents and Short-Term Investments | 244.72M | 260.98M | 307.96M | 138.17M | 312.21M | 364.19M |
| Total Debt | 52.06M | 52.06M | 34.06M | 49.06M | 129.06M | 34.06M |
| Total Liabilities | 3.47B | 3.20B | 2.85B | 1.97B | 1.90B | 1.86B |
| Stockholders Equity | 422.20M | 401.98M | 355.14M | 254.86M | 224.01M | 197.90M |
Cash Flow | ||||||
| Free Cash Flow | 65.23M | 67.35M | 32.77M | 45.26M | 49.84M | 132.05M |
| Operating Cash Flow | 68.10M | 69.72M | 34.93M | 47.42M | 51.39M | 132.08M |
| Investing Cash Flow | -354.67M | -350.88M | -269.95M | -130.84M | -198.46M | -238.23M |
| Financing Cash Flow | 430.23M | 331.39M | 386.39M | 56.97M | 44.09M | 142.64M |
Capital Bancorp Technical Analysis
Neutral
36.39
Price Trends
36.62
Negative
34.86
Positive
32.39
Positive
Market Momentum
-0.18
Positive
41.34
Neutral
37.93
Neutral
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For CBNK, the sentiment is Neutral. The current price of 36.39 is above the 20-day moving average (MA) of 36.18, below the 50-day MA of 36.62, and above the 200-day MA of 32.39, indicating a neutral trend. The MACD of -0.18 indicates Positive momentum. The RSI at 41.34 is Neutral, neither overbought nor oversold. The STOCH value of 37.93 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Neutral sentiment for CBNK.
Capital Bancorp Risk Analysis
Capital Bancorp disclosed 41 risk factors in its most recent earnings report. Capital Bancorp reported the most risks in the "Finance & Corporate" category.
Finance & Corporate - Financial and accounting risks. Risks related to the execution of corporate activity and strategy
Latest Risks Added 0 New Risks
Capital Bancorp Peers Comparison
UnderperformOutperform
Sector (68)
Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
75 Outperform | $901.16M | 10.44 | 9.53% | 4.59% | 16.77% | 9.64% | |
73 Outperform | $688.34M | 11.48 | 10.44% | 1.97% | -2.10% | 110.95% | |
73 Outperform | $709.50M | 9.00 | 12.56% | 218.92% | 16.80% | 24.02% | |
70 Outperform | $580.75M | 11.46 | 13.85% | 1.27% | 11.76% | 26.80% | |
68 Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% | |
63 Neutral | $774.26M | 9.53 | 13.09% | 3.26% | 46.45% | ― |
* Financial Sector Average
CBNK
Capital Bancorp
39.31
8.75
28.62%
FMNB
Farmers National Banc Oh
15.03
1.43
10.52%
FISI
Financial Institutions
38.98
12.84
49.12%
BCAL
California BanCorp
21.35
5.16
31.90%
TCBX
Third Coast Bancshares
42.39
5.01
13.40%
Capital Bancorp Corporate Events
Business Operations and StrategyExecutive/Board ChangesM&A Transactions
Capital Bancorp Announces Merger Agreement with Peoples Bancorp
Positive
Sep 30, 2026
On September 29, 2026, Capital Bancorp and Peoples Bancorp signed a merger agreement under which Capital will merge into Peoples in an all-stock transaction, followed by the merger of Capital Bank into Peoples Bank. Capital shareholders are to rec...
DividendsFinancial Disclosures
Capital Bancorp Reports Strong Q2 Results and Dividend Hike
Positive
Jul 27, 2026
On July 24, 2026, Capital Bancorp’s board declared a quarterly dividend of $0.14 per share, a 16.7% increase over the prior payout, to be distributed on August 26, 2026 to shareholders of record as of August 10, 2026. In its July 27, 2026 se...
Glossary
BuyA stock rated as a "Buy" is expected to perform better than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock is likely to deliver higher returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
HoldA stock rated as a "Hold" is expected to perform in line with the overall market or a specific benchmark. This rating indicates that the stock is neither particularly compelling nor unfavorable for investment. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
SellA stock rated as a "Sell" is expected to perform worse than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock may deliver lower returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
Disclaimer
This AI Analyst Stock Report is automatically generated by our AI systems using advanced algorithms and publicly available financial, technical, and market data. While the information provided aims to be accurate and insightful, it is intended for informational purposes only and should not be considered financial advice. Any content created by an AI (Artificial Intelligence) system may contain inaccuracies and/or contain errors. Investing in stocks carries inherent risks, and past performance is not indicative of future results. This report does not account for your personal financial circumstances, objectives, or risk tolerance. Always conduct your own research or consult with a qualified financial advisor before making investment decisions. The analysis and recommendations provided are based on historical and current data and may not fully reflect future market conditions or unexpected developments. Neither the creators of this report nor its affiliated entities guarantee the accuracy, completeness, or reliability of the information presented. Use this report at your own discretion and risk.