Capital Bancorp (CBNK) Stock Fundamentals, Analysis & Risk Signals

Health score, price, valuation, risk signals, and key metrics at a glance.

Capital Bancorp

NasdaqGS•Financial Services•Banks - Regional

$36.98+0.33(0.01%)Market closed

Market Cap

$587.67M

P/E

10.4x

P/S

1.8x

P/B

1.4x

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.

How this company scores

WeakMetricSide Score: 79/100

Grade capped at D — Interest coverage below 1× (1.0x) — earnings cannot cover interest. Strongest: Profitability (23/25); weakest: Balance Sheet & Red Flags (13/25).

Profitability23/25

Growth20/25

Balance Sheet & Red Flags13/25

Cash & Earnings Quality23/25

Strengths

Rising free cash flowStrong marginsRising earningsLow leverage

Grade capped at D

Interest coverage below 1× (1.0x) — earnings cannot cover interest.

Valuation vs. 5-year range

Today's multiple positioned against its own trailing range — a visual premium/discount check.

P/E · 10.4x5y range 8.2x – 13.4x

Currently near its 20-quarter median.

P/S · 1.8x5y range 1.5x – 2.0x

Currently near its 20-quarter median.

P/B · 1.4x5y range 1.2x – 1.8x

Watch items

Data-driven signals worth keeping an eye on across the last 8 quarters

High Risk

Earnings Quality

Watch

FCF/Net Income has dropped below 0.7x in 3 quarters — monitor for earnings quality deterioration.

Leverage Risk

Watch

Debt-to-equity has risen 104.6% recently — increasing financial risk even if the current ratio is manageable.

Price & Volume

Market Cap $587.67M

Metrics at a Glance

as of June 2026

Revenue & Profit

Revenue, EBITDA, operating income, net income, EPS, and shares

TTM Revenue: $322.72M
Q. Revenue: $84.32M
TTM EBITDA: $76.95M
TTM Op. Income: $73.87M
Q. Op. Income: $18.45M
TTM Net Income: $56.37M
Q. Net Income: $14.25M
EPS: $0.87
Shares Out.: $16.29M

$322.72M in TTM revenue grew 12.9% YoY, reaching $84.32M last quarter. TTM EBITDA of $76.95M and TTM operating income of $73.87M show growth is flowing through to the bottom line. TTM net income of $56.37M means revenue is converting into profit. Across the last 8 quarters, TTM revenue has risen for 7 consecutive quarters — an improving trend.

Margins

Gross, EBITDA, operating, and net margin trends

Gross Margin: 77.4%
EBITDA Margin: 22.8%
Op. Margin: 21.9%
Net Margin: 16.9%

Op. margin of 21.9% is down 0.1% YoY — costs are rising relative to revenue. Net margin at 16.9% and gross margin of 77.4% show how much of each revenue dollar survives to profit. Over the past year, operating margin is down 1% — an improving trend.

Price Ratios

P/E, P/S, P/B, EV/EBITDA, FCF yield, and earnings yield

P/E Ratio: 10.4x
P/S Ratio: 1.8x
P/B Ratio: 1.4x

At 10.4x P/E, the stock trades below typical market levels. P/S of 1.8x and P/B of 1.4x provide additional context. P/E sits below typical market levels while revenue is growing. Across the last 8 quarters, P/E has risen for 2 consecutive quarters — a weakening trend.

Assets & Liabilities

Total assets, cash, debt, book value, and leverage

Total Assets: $3.89B
Cash: $418.26M
Long-Term Debt: $50.00M
Book Value: $422.20M
D/E Ratio: 0.1
Debt/EBITDA: 2.6

With $3.89B in assets and $50.00M in long-term debt, D/E is 0.1and book value is $422.20M — a conservative capital structure with a cushion to weather downturns. Across the last 8 quarters, debt/equity has fallen for 2 consecutive quarters — an improving trend.

Cash Flow

Operating cash flow, free cash flow, FCF margin, and earnings quality

Op. Cash Flow: $-5.03M
TTM Free Cash Flow: $65.23M
FCF Margin: 20.2%
FCF / Net Income: 1.2

TTM FCF of $65.23M on $-5.03M in operating cash flow. The FCF / Net Income ratio of 1.2x means free cash flow covers net income — earnings are backed by cash. Across the last 8 quarters, free cash flow has fallen for 3 consecutive quarters — a weakening trend.