Capital Bancorp Inc
CBNK Nasdaq· National Commercial Banks
Last close · Oct 23, 2026
$41.29
KIRA · Stoqly’s AI analyst, in plain words
- Capital Bancorp Inc had $245M of revenue in fiscal 2025, up 31.7% on the year before. Over five years, revenue changed +12.8% a year on average.
- Capital Bancorp Inc made $57.2M of net profit in fiscal 2025. From fiscal 2017 to 2025, diluted EPS grew 23.8% a year.
- Capital Bancorp Inc returned $19.0M to shareholders in fiscal 2025. The diluted share count rose 14.5%.
- It earned 15.1% on shareholders’ money. Running costs took 63.3% of revenue (the efficiency ratio; lower is better).
Market cap
$676M
P/E
12.1x
Revenue
$245M
Net income
$57.2M
Return on equity
15.1%
Efficiency ratio
63.3%
Capital Bancorp Inc in 30 seconds · fiscal 2025
Are sales growing?
+31.7%
Yes. Sales grew 31.7% last year.
Does it make a profit?
23.3%
Yes. It keeps 23.3% of every sale as profit.
How lean are its costs?
63.3%
Average. Running costs take 63.3% of revenue.
How much does it earn on its capital?
15.1%
Good. It earns 15.1% a year on shareholders’ money.
How is the share priced?
12.1x
One share costs 12.1 times its yearly profit per share.
What Capital Bancorp Inc does
No business description yet.
- Fiscal year ends
- December 31, 2025
- Latest annual report
- 10-K · Mar 16, 2026
- Legal name
- Capital Bancorp Inc
- CIK
- 0001419536
Capital Bancorp Inc · CBNK
Results and finances
The last 5 fiscal years. Amounts in USD.
| Fiscal year | FY21 | FY22 | FY23 | FY24 | FY25 |
|---|---|---|---|---|---|
| Sales and profit | |||||
| Revenue | $167M | $170M | $167M | $186M | $245M |
| Revenue growth | 24.7% | 1.6% | −2.0% | 11.8% | 31.7% |
| Net interest income | $117M | $141M | $142M | $155M | $196M |
| Operating margin | — | −2.6% | −2.8% | −2.0% | — |
| Net income | $40.0M | $41.8M | $35.9M | $31.0M | $57.2M |
| Net margin | 23.9% | 24.6% | 21.5% | 16.6% | 23.3% |
| Diluted EPS | $2.84 | $2.91 | $2.55 | $2.12 | $3.41 |
| Cash | |||||
| Cash from operations | $132M | $51.4M | $47.4M | $34.9M | $69.7M |
| Dividends paid | $1.4M | $3.1M | $3.9M | $5.3M | $7.3M |
| Share buybacks | $0.0M | $0.0M | $8.8M | $1.4M | $11.7M |
| Share count change | 2.0% | 2.0% | −2.0% | 4.0% | 14.5% |
| Debt and strength | |||||
| Cash and short-term investments | $183M | $80.4M | $54.0M | $205M | $256M |
| Loans, net | $1.5B | $1.7B | $1.9B | $2.6B | $2.9B |
| Deposits | $1.8B | $1.8B | $1.9B | $2.8B | $3.1B |
| Shareholders' equity | $198M | $224M | $255M | $355M | $402M |
| Interest coverage | — | −0.4x | −0.1x | — | — |
| Returns and quality | |||||
| Return on equity | 22.4% | 19.8% | 15.0% | 10.2% | 15.1% |
| Return on tangible equity | 20.2% | 18.7% | 14.1% | 9.7% | 15.8% |
| Efficiency ratio | 65.8% | 64.2% | 66.5% | 67.8% | 63.3% |
Insiders bought, 12 months
$0.0M
0 insiders
Insiders sold, 12 months
$0.1M
1 insider
Of sales under plans
0%
$0.0M
How to read these numbers
- Revenue:
- Total sales reported in the income statement.
- Net income:
- Profit after all expenses, interest and tax.
- Efficiency ratio:
- Noninterest expense as a share of revenue. Lower is better for banks.
- Return on equity:
- Net income as a share of average shareholders' equity.
- Return on tangible equity:
- Net income to common over equity minus goodwill and intangibles.
- Diluted EPS:
- Net income per diluted share.
Capital Bancorp Inc · CBNK
Charts and comparison
Ten years at a glance, and how it stacks up against similar companies.
Revenue
Net income
Return on equity and efficiency ratio
Loans and deposits
Dividends and buybacks
Diluted EPS
KIRA
At $41.29 a share, the company is worth $676M: 12.1 times its earnings of the last four quarters.
Source: SEC EDGAR XBRL filings (CIK 0001419536). Data updated October 24, 2026. For information only — not investment advice. Check the original filings before relying on any figure.