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Capital Bancorp, Inc. CBNK

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Price alert · CBNK

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42.63 USD -0.48 (-1.11%)

At closeNov 4, 2026, 4:48 AM EST

42.77 +0.14 +0.33%

Pre-market · Nov 4, 4:48 AM ET

42.51 Day range 43.24
26.40 52-week range 43.24
YTD
+51.33%
1 year
+54.12%

Financial health

Altman Z-Score

1.42 Distress zone

Bankruptcy-risk model: below 1.81 distress, above 2.99 safe.

Piotroski F-Score

5 / 9 Average

Nine pass/fail tests of profitability, leverage and efficiency.

FMP rating

A4 / 5 overall

  • DCF 4
  • Return on Equity 4
  • Return on Assets 4
  • Debt / Equity 5
  • P/E 3
  • P/B 2

Valuation

P/E 8.2×
FY 2016: 17.8×FY 2017: 23.7×FY 2018: 10.9×FY 2019: 12.1×FY 2020: 7.4×FY 2021: 9.0×FY 2022: 7.9×FY 2023: 9.5×FY 2024: 13.4×FY 2025: 8.2×
FY 2016 5y median 9.0× FY 2025
P/S 1.5×
FY 2016: 2.4×FY 2017: 2.3×FY 2018: 1.6×FY 2019: 1.9×FY 2020: 1.3×FY 2021: 2.1×FY 2022: 1.8×FY 2023: 1.6×FY 2024: 1.7×FY 2025: 1.5×
FY 2016 5y median 1.7× FY 2025
P/B 1.2×
FY 2016: 2.4×FY 2017: 2.1×FY 2018: 1.2×FY 2019: 1.5×FY 2020: 1.2×FY 2021: 1.8×FY 2022: 1.5×FY 2023: 1.3×FY 2024: 1.2×FY 2025: 1.2×
FY 2016 5y median 1.3× FY 2025
P/FCF 6.9×
FY 2016: 24.5×FY 2017: 5.0×FY 2018: 5.2×FY 2019: -7.4×FY 2020: 37.0×FY 2021: 2.7×FY 2022: 6.6×FY 2023: 7.5×FY 2024: 12.7×FY 2025: 6.9×
FY 2016 5y median 6.9× FY 2025
EV/EBITDA 6.5×
FY 2016: 10.1×FY 2017: 10.0×FY 2018: 6.8×FY 2019: 5.6×FY 2020: 2.3×FY 2021: 3.9×FY 2022: 7.2×FY 2023: 7.2×FY 2024: 5.5×FY 2025: 6.5×
FY 2016 5y median 6.5× FY 2025
EV/Sales 1.6×
FY 2016: 2.4×FY 2017: 2.1×FY 2018: 1.5×FY 2019: 1.3×FY 2020: 0.6×FY 2021: 1.2×FY 2022: 2.2×FY 2023: 1.6×FY 2024: 1.0×FY 2025: 1.6×
FY 2016 5y median 1.6× FY 2025
FCF Yield 14.5%
FY 2016: 4.1%FY 2017: 19.8%FY 2018: 19.2%FY 2019: -13.5%FY 2020: 2.7%FY 2021: 36.5%FY 2022: 15.1%FY 2023: 13.4%FY 2024: 7.9%FY 2025: 14.5%
FY 2016 5y median 14.5% FY 2025

Profitability

Gross Margin 73.6%
FY 2016: 84.5%FY 2017: 85.5%FY 2018: 84.4%FY 2019: 82.7%FY 2020: 83.4%FY 2021: 94.3%FY 2022: 90.7%FY 2023: 75.2%FY 2024: 68.4%FY 2025: 73.6%
FY 2016 5y median 75.2% FY 2025
Operating Margin 23.3%
FY 2016: 22.3%FY 2017: 19.6%FY 2018: 20.8%FY 2019: 21.1%FY 2020: 23.8%FY 2021: 31.0%FY 2022: 30.1%FY 2023: 22.4%FY 2024: 17.3%FY 2025: 23.3%
FY 2016 5y median 23.3% FY 2025
Net Margin 18.8%
FY 2016: 13.5%FY 2017: 9.9%FY 2018: 14.9%FY 2019: 15.7%FY 2020: 17.5%FY 2021: 23.0%FY 2022: 23.2%FY 2023: 17.4%FY 2024: 12.8%FY 2025: 18.8%
FY 2016 5y median 18.8% FY 2025
ROE 14.2%
FY 2016: 13.3%FY 2017: 8.9%FY 2018: 11.1%FY 2019: 12.7%FY 2020: 16.2%FY 2021: 20.2%FY 2022: 18.7%FY 2023: 14.1%FY 2024: 8.7%FY 2025: 14.2%
FY 2016 5y median 14.2% FY 2025
ROIC 4.0%
FY 2016: 8.3%FY 2017: 5.9%FY 2018: 8.6%FY 2019: 8.4%FY 2020: 11.6%FY 2021: 15.5%FY 2022: 11.5%FY 2023: 11.1%FY 2024: 7.1%FY 2025: 4.0%
FY 2016 5y median 11.1% FY 2025
ROA 1.6%
FY 2016: 1.0%FY 2017: 0.7%FY 2018: 1.2%FY 2019: 1.2%FY 2020: 1.4%FY 2021: 1.9%FY 2022: 2.0%FY 2023: 1.6%FY 2024: 1.0%FY 2025: 1.6%
FY 2016 5y median 1.6% FY 2025

Growth (YoY)

Revenue 25.3%
FY 2016: 31.0%FY 2017: 3.1%FY 2018: 19.0%FY 2019: 26.1%FY 2020: 36.6%FY 2021: 18.0%FY 2022: 3.5%FY 2023: 14.7%FY 2024: 17.3%FY 2025: 25.3%
FY 2016 FY 2025
Operating Income 68.8%
FY 2016: 27.8%FY 2017: -9.4%FY 2018: 25.9%FY 2019: 28.0%FY 2020: 54.7%FY 2021: 53.3%FY 2022: 0.7%FY 2023: -14.8%FY 2024: -9.5%FY 2025: 68.8%
FY 2016 FY 2025
EPS (diluted) 60.4%
FY 2016: 26.3%FY 2017: -25.0%FY 2018: 88.9%FY 2019: 18.6%FY 2020: 54.5%FY 2021: 51.9%FY 2022: 2.5%FY 2023: -12.4%FY 2024: -16.9%FY 2025: 60.4%
FY 2016 FY 2025
Free Cash Flow 105.5%
FY 2016: -53.3%FY 2017: 386.4%FY 2018: -20.4%FY 2019: -203.6%FY 2020: 118.9%FY 2021: 2444.4%FY 2022: -62.3%FY 2023: -9.2%FY 2024: -27.6%FY 2025: 105.5%
FY 2016 FY 2025

Financial Health

Current Ratio 0.1×
FY 2016: 0.1×FY 2017: 0.1×FY 2018: 0.1×FY 2019: 0.1×FY 2020: 0.2×FY 2021: 0.2×FY 2022: 0.2×FY 2023: 0.1×FY 2024: 0.1×FY 2025: 0.1×
FY 2016 5y median 0.1× FY 2025
Quick Ratio 0.1×
FY 2016: 0.1×FY 2017: 0.1×FY 2018: 0.1×FY 2019: 0.1×FY 2020: 0.2×FY 2021: 0.2×FY 2022: 0.2×FY 2023: 0.1×FY 2024: 0.1×FY 2025: 0.1×
FY 2016 5y median 0.1× FY 2025
Debt / Equity 0.1×
FY 2016: 0.5×FY 2017: 0.4×FY 2018: 0.2×FY 2019: 0.4×FY 2020: 0.2×FY 2021: 0.2×FY 2022: 0.6×FY 2023: 0.2×FY 2024: 0.1×FY 2025: 0.1×
FY 2016 5y median 0.2× FY 2025
Net Debt / EBITDA 0.3×
FY 2016: -0.1×FY 2017: -1.2×FY 2018: -0.5×FY 2019: -2.6×FY 2020: -2.9×FY 2021: -2.6×FY 2022: 1.2×FY 2023: -0.1×FY 2024: -3.9×FY 2025: 0.3×
FY 2016 5y median -0.1× FY 2025
Interest Coverage 1.1×
FY 2016: 2.4×FY 2017: 1.8×FY 2018: 1.6×FY 2019: 1.4×FY 2020: 2.7×FY 2021: 8.2×FY 2022: 5.4×FY 2023: 1.1×FY 2024: 0.7×FY 2025: 1.1×
FY 2016 5y median 1.1× FY 2025

Dividends

Dividend Yield 1.6%
FY 2016: 0.0%FY 2017: 0.0%FY 2018: 0.0%FY 2019: 0.0%FY 2020: 0.0%FY 2021: 0.4%FY 2022: 0.9%FY 2023: 1.2%FY 2024: 1.3%FY 2025: 1.6%
FY 2016 5y median 1.2% FY 2025
Payout Ratio 12.8%
FY 2016: 0.0%FY 2017: 0.0%FY 2018: 0.0%FY 2019: 0.0%FY 2020: 0.0%FY 2021: 3.5%FY 2022: 7.4%FY 2023: 10.9%FY 2024: 17.0%FY 2025: 12.8%
FY 2016 5y median 10.9% FY 2025

Annual · latest fiscal year ends 2025-12-31