Capital Bank/$CBNK
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Capital at risk
About Capital Bank
Capital Bancorp Inc is a bank holding company. The company through its holdings operates as a commercial-focused community bank that serves businesses, not-for-profit associations, and entrepreneurs throughout the region. The bank operates through four divisions including Commercial Banking, Capital Bank Home Loans, OpenSky, and Windsor Advantage. The company generates majority revenue from the Commercial bank sector. Commercial Banking division focuses on providing personalized service to commercial clients throughout the operations supplemented by lending outside primary market as well as engaging in government guaranteed lending on a national basis.
- Ticker
- $CBNK
- Sector
- Finance
- Primary listing
- NASDAQ
- Employees
- 447
- Headquarters
- Rockville, United States
- Website
- capitalbankmd.com
Capital Bank Metrics
BasicAdvanced
$586M
10.53
$3.41
0.52
$0.50
1.56%
Price and volume
Market cap
$586M
Beta
0.52
52-week high
$38.83
52-week low
$26.40
Average daily volume
50K
Dividend rate
$0.50
Financial strength
Dividend payout ratio (TTM)
13.99%
Profitability
Net profit margin (TTM)
23.67%
Operating margin (TTM)
31.31%
Effective tax rate (TTM)
23.69%
Revenue per employee (TTM)
$530,000
Management effectiveness
Return on assets (TTM)
1.55%
Return on equity (TTM)
14.05%
Valuation
Price to earnings (TTM)
10.533
Price to revenue (TTM)
2.479
Price to book
1.39
Price to tangible book (TTM)
1.53
Price to free cash flow (TTM)
9.053
Free cash flow yield (TTM)
11.05%
Free cash flow per share (TTM)
3.971
Dividend yield (TTM)
1.39%
Forward dividend yield
1.56%
Growth
Revenue change (TTM)
16.11%
Earnings per share change (TTM)
27.11%
3-year revenue growth (CAGR)
14.43%
3-year earnings per share growth (CAGR)
9.61%
3-year dividend per share growth (CAGR)
22.68%
Bulls say / Bears say
The core bank is growing at a healthy pace: portfolio loans rose 12.6% year on year and deposits rose 14.6% by June-end. Customer funding grew while brokered deposits fell, which should make balance-sheet expansion more durable. (MarketScreener, Last10K)
Q2 net income rose 8.5% year on year, with net interest income up 6.9% and fee revenue up 9.6%. Windsor Advantage, mortgage banking and government-lending activities give CBNK more revenue streams than a traditional spread-only bank. (MarketScreener)
Tangible book value per share increased 13.6% year on year, while the quarterly dividend was raised 16.7% to $0.14. A 13.14% common equity tier-one ratio and ongoing buybacks provide a solid capital base for continued investment and shareholder returns. (MarketScreener, GlobeNewswire)
Core net interest margin fell to 4.04% in Q2, down 38 basis points year on year. Further margin pressure could limit profit growth even as loans expand. (MarketScreener)
Credit risk is becoming more important: non-accrual loans rose to $57.0 million at June-end, while OpenSky charge-offs increased and its first-half pre-tax profit fell to $1.9 million from $5.9 million. A deterioration in unsecured consumer credit could make provisions rise quickly. (StockTitan)
First-half net income fell 3.0% year on year despite 7.1% growth in net interest income, as non-interest expenses rose to $86.9 million from $77.6 million. Capital Bank Home Loans also posted a first-half pre-tax loss, showing that growth investments and weaker divisions are weighing on returns. (StockTitan, Longbridge)
Data summarised monthly by Lightyear AI. Last updated on 21 Sept 2026.
Upcoming events
No upcoming events
Funds containing Capital Bank
Fund name | Fund size | $CBNK weighting |
|---|---|---|
SPDR Russell 2000 US Small Cap€R2US | €4.8B | 0.01% |
Data displayed above is indicative only and its accuracy or completeness is not guaranteed. Actual execution price may vary. Past performance is not indicative of future results. Your return may be affected by currency fluctuations and applicable fees and charges. Capital at risk.
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