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Capital Bancorp(NASDAQ) CBNK

Market Cap$592.16MMarket cap calculated using publicly traded shares outstanding only. Does not include unlisted, private, or dual-class non-traded shares. Implied market cap may vary.
Since IPO (2018)+204%
5 Year+65%
1 Year+8%
1 Month+1%
Premium Feature
Moneyball Superscore
72/100
$36.23
-0.33%
-0.12Today
After hours$36.34+$0.11 (+0.30%)
Capital Bancorp last closing stock price
MetricPriceDate
Last closeUSD 36.352026-08-25
Capital Bancorp stock price return by period
PeriodPrice returnPrice at period startPeriod start date
1 week-2.65%USD 37.342026-08-18
1 month+0.98%USD 36.002026-07-24
3 month+14.48%USD 31.752026-05-27
Year to date+30.49%USD 27.862025-12-31
1 year+8.2%USD 33.602025-08-25
3 year+95.48%USD 18.602023-08-25
5 year+65.21%USD 22.002021-08-26
Since inception+204.37%USD 11.942018-09-26

Capital Bancorp Financials at a Glance

Market Cap

$592.16MMarket cap calculated using publicly traded shares outstanding only. Does not include unlisted, private, or dual-class non-traded shares. Implied market cap may vary.

Revenue (TTM)

$292.72M

Net Income (TTM)

$56.37M

EPS (TTM)

$3.41

P/E Ratio

10.67

Dividend

$0.50

Beta (Volatility)

0.62 (Low)

Price

$36.23

Volume

49,802.463

Open

$36.63

Previous Close

$36.39

Daily Range

$36.03 - $36.70

52-Week Range

$26.40 - $38.83

Estimated Earnings Date

Oct 26, 2026

CBNK News

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Capital Bancorp Q2 Revenue Up 38 Percent

Motley Fool Markets TeamJul 28, 2025

CBNK: Motley Fool Moneyball Superscore

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About Capital Bancorp

Capital Bancorp helps people and businesses manage money. It provides credit cards for under-banked people to build credit. The bank also lends money to local businesses and home buyers.

Banking for Local and National Needs

  • Commercial Banking: Relationship-driven banking services for businesses and non-profits in the Mid-Atlantic region.
  • OpenSky Credit Cards: Digitally-originated credit cards that help under-banked individuals rebuild their credit scores.
  • Windsor Advantage Servicing: Servicing, processing, and packaging of government-guaranteed loans for other financial institution clients.
  • Residential Home Loans: Mortgage origination services serving consumers through a national banking charter.

Recent Strategic Expansions

  • Merged with Integrated Financial Holdings, Inc. on Oct. 1, 2024.
  • Integrated West Town Bank & Trust into Capital Bank operations following the merger.
  • Acquired Windsor Advantage to generate fee revenue from government loan servicing.
  • Expanded the credit card portfolio to include unsecured and partially secured products.

How the Bank Stands Out

The company operates a unique hybrid model that combines regional relationship banking with a national digital credit card platform. It also provides specialized back-office support for government-guaranteed loans to other banks across the country.

Financial Performance in Review

  • Net income was $14.3 million in the three-month period ended June 30, 2026, up 8.5% year over year.
  • Net interest income hit $50.9 million for the three-month period ended June 30, 2026, up 6.9% year over year.
  • Total assets reached $3.9 billion at June 30, 2026, compared to $3.6 billion at Dec. 31, 2025.
  • Portfolio loans rose to $3.1 billion at June 30, 2026, up 4.3% from the end of 2025.

Evolution of a Diversified Lender

Capital Bancorp has successfully transitioned from a local lender to a diversified financial company with national reach. Its expansion into digital cards and specialized loan servicing provides multiple pathways for revenue growth.

AI Generated • Aug 8, 2026

Industry

Banks

Sector

Financials

Employees

459

CEO

Steven M. Poynot, MBA

Website

www.capitalbankmd.com

Headquarters

Rockville, MD 20850, US

CBNK Financials

Key Financial Metrics (TTM)

Gross Margin

73.47%

Operating Margin

15.76%

Net Income Margin

19.26%

Return on Equity

13.85%

Return on Capital

15.55%

Return on Assets

1.45%

Earnings Yield

9.37%

Dividend Yield

1.38%

Payout Ratio

14.00%

Stock Overview

Market Cap

$592.16MMarket cap calculated using publicly traded shares outstanding only. Does not include unlisted, private, or dual-class non-traded shares. Implied market cap may vary.

Shares Outstanding

16.29M

Volume

49.80K

Avg. Volume

64.90K

Financials (TTM)

Gross Profit

$215.07M

Operating Income

$46.14M

EBITDA

$49.04M

Operating Cash Flow

$68.10M

Capital Expenditure

-$2.86M

Free Cash Flow

$65.23M

Cash & ST Invst.

$244.72M

Total Debt

$52.06M

Capital Bancorp Performance Analysis

Capital Bancorp annual revenue and year-over-year revenue growth by fiscal year
Fiscal yearPeriod endRevenueYoY growth
20222022-12-31USD 180,201,0003.9%
20232023-12-31USD 208,174,00015.5%
20242024-12-31USD 240,022,00015.3%
20252025-12-31USD 289,778,00020.7%
Capital Bancorp sequential (quarter-over-quarter) revenue growth by fiscal quarter
Fiscal quarterPeriod endQoQ growth
Q32025-09-30-2.4%
Q42025-12-316.8%
Q12026-03-31-15.0%
Q22026-06-302.9%
Capital Bancorp annual diluted earnings per share and year-over-year EPS growth by fiscal year
Fiscal yearPeriod endDiluted EPSYoY growth
20222022-12-31USD 2.912.5%
20232023-12-31USD 2.55-12.5%
20242024-12-31USD 2.12-17.0%
20252025-12-31USD 3.4161.2%
Capital Bancorp sequential (quarter-over-quarter) diluted earnings per share growth by fiscal quarter
Fiscal quarterPeriod endQoQ growth
Q32025-09-3014.1%
Q42025-12-312.2%
Q12026-03-31-19.8%
Q22026-06-3019.2%

Revenue Growth Rate

Annual and quarterly growth comparison

Earnings Per Share Growth Rate

Annual and quarterly EPS growth comparison

Quarterly Performance

Name
Q2 2026YOY CHG

Revenue

$69.96M

-8.8%

Gross Profit

$50.93M

-8.6%

Gross Margin

72.80%

N/A

Market Cap

$592.16MMarket cap calculated using publicly traded shares outstanding only. Does not include unlisted, private, or dual-class non-traded shares. Implied market cap may vary.

N/A

Market Cap/Employee

$1.32M

N/A

Employees

447

N/A

Net Income

$14.25M

+8.5%

EBITDA

$4.09M

-77.4%

Quarterly Fundamentals

Name
Q2 2026YOY CHG

Total Cash

$244.72M

-39.2%

Total Debt

$52.06M

+52.8%

Accounts Receivable

$19.43M

+28.3%

Inventory

$0.00

N/A

Long Term Debt

$52.06M

+52.8%

Short Term Debt

$0.00

N/A

Return on Assets

1.45%

N/A

Return on Invested Capital

1.20%

N/A

Free Cash Flow

-$5.58M

-18.2%

Operating Cash Flow

-$5.03M

-19.4%

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Questions About CBNK

What is the current price of Capital Bancorp?

Capital Bancorp is trading at $36.39 per share.

What is the 52-week range for Capital Bancorp?

Over the past 52 weeks, Capital Bancorp has traded between $26.40 and $38.83.

How much debt does Capital Bancorp have?

As of the most recent reporting period, Capital Bancorp reported total debt of $59.89M.

How much cash does Capital Bancorp have on hand?

Capital Bancorp does not have cash on hand data available.

What is Capital Bancorp’s dividend yield?

Capital Bancorp currently has a dividend yield of 1.38%.

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