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CBNK logo CBNK
Upturn stock ratingUpturn stock rating
CBNK logo

Capital Bancorp (CBNK)

Upturn stock ratingUpturn stock rating
$33.58
Last Close (24-hour delay)
Profit since last BUY8.46%
upturn advisory
Consider higher Upturn Star rating
BUY since 41 days
  • BUY Advisory
  • SELL Advisory (Profit)​
  • SELL Advisory (Loss)​
  • Profit
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Upturn Stock infoUpturn Stock info Stock price based on last close
*as per simulation
(see disclosures)
Time period over
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Upturn Advisory Summary

06/30/2025: CBNK (1-star) has a low Upturn Star Rating. Not recommended to BUY.

Upturn Star Rating

rating

Not Recommended Performance

These Stocks/ETFs, based on Upturn Advisory, consistently fall short of market performance, signaling caution before investing.

Number of Analysts

rating

4 Analysts rated it

Limited analyst coverage, niche firm, research info may be scarce.

1 Year Target Price $35.5

1 Year Target Price $35.5

Analysts Price Target For last 52 week
$35.5Target price
Low$19.42
Current$33.58
high$34.31

Analysis of Past Performance

Type Stock
Historic Profit 34.26%
Avg. Invested days 46
Today’s Advisory Consider higher Upturn Star rating
Upturn Star Rating Upturn stock ratingUpturn stock rating
Upturn Advisory Performance Upturn Advisory Performance 3.0
Stock Returns Performance Upturn Returns Performance 3.0
Upturn Profits based on simulationUpturn Profits based on simulation Profits based on simulation
Upturn Profits based on simulationUpturn Profits based on simulation Last Close 06/30/2025

Key Highlights

Company Size Small-Cap Stock
Market Capitalization 555.73M USD
Price to earnings Ratio 13.58
1Y Target Price 35.5
Price to earnings Ratio 13.58
1Y Target Price 35.5
Volume (30-day avg) 4
Beta 0.69
52 Weeks Range 19.42 - 34.31
Updated Date 06/30/2025
52 Weeks Range 19.42 - 34.31
Updated Date 06/30/2025
Dividends yield (FY) 1.19%
Basic EPS (TTM) 2.47

Analyzing Revenue: Products, Geography and Growth

Revenue by Products

Product revenue - Year on Year

Earnings Date

Report Date -
When -
Estimate -
Actual -

Profitability

Profit Margin 20.3%
Operating Margin (TTM) 34.72%

Management Effectiveness

Return on Assets (TTM) 1.35%
Return on Equity (TTM) 12.19%

Valuation

Trailing PE 13.58
Forward PE 8.35
Enterprise Value 301293632
Price to Sales(TTM) 2.94
Enterprise Value 301293632
Price to Sales(TTM) 2.94
Enterprise Value to Revenue 2.93
Enterprise Value to EBITDA -
Shares Outstanding 16564300
Shares Floating 10913913
Shares Outstanding 16564300
Shares Floating 10913913
Percent Insiders 30.11
Percent Institutions 39.36

Analyst Ratings

Rating 2
Target Price 35.5
Buy -
Strong Buy 3
Buy -
Strong Buy 3
Hold 1
Sell -
Strong Sell -
Strong Sell -

ai summary icon Upturn AI SWOT

Capital Bancorp

stock logo

Company Overview

overview logo History and Background

Capital Bancorp, Inc. (CBNK) was founded in 1989 and is headquartered in Rockville, Maryland. Initially focused on serving the Washington, D.C. metropolitan area, it has grown through strategic acquisitions and organic expansion to become a diversified financial services company.

business area logo Core Business Areas

  • Commercial Banking: Provides a range of banking services to businesses, including commercial loans, lines of credit, and treasury management services.
  • Retail Banking: Offers personal banking services such as checking and savings accounts, mortgages, and personal loans.
  • Capital Commercial Real Estate Lending: Specializes in financing commercial real estate properties.
  • Government Contracting Lending: Specializes in providing financial services to government contracting.

leadership logo Leadership and Structure

James J. MacAlister is the Chairman and CEO. The organizational structure includes various departments such as commercial lending, retail banking, finance, and operations, each headed by senior executives reporting to the CEO.

Top Products and Market Share

overview logo Key Offerings

  • Commercial Loans: Commercial loans are a core product, generating a significant portion of the company's revenue. Market share data for specific loan types is not readily available at the company level. Competitors: Bank of America, Wells Fargo, Truist.
  • Commercial Real Estate Loans: Capital Bancorp specializes in commercial real estate loans, targeting developers and investors. Competitors: EagleBank, United Bank.
  • Government Contracting Lending: Offer financial services to government contracting business. Competitors: Wells Fargo, PNC, M&T Bank

Market Dynamics

industry overview logo Industry Overview

The banking industry is currently characterized by increasing interest rates, regulatory scrutiny, and technological disruption. Consolidation is ongoing, with larger banks acquiring smaller institutions.

Positioning

Capital Bancorp is positioned as a community-focused bank with a strong presence in the Mid-Atlantic region. Its competitive advantage lies in its personalized service and local market knowledge.

Total Addressable Market (TAM)

The US banking market is estimated to be in the trillions of dollars. Capital Bancorp targets the Mid-Atlantic region and segments such as commercial real estate and government contracting, focusing on a smaller, niche market.

Upturn SWOT Analysis

Strengths

  • Strong presence in the Mid-Atlantic region
  • Experienced management team
  • Focus on relationship banking
  • Diversified loan portfolio
  • Strong deposit growth

Weaknesses

  • Smaller size compared to national banks
  • Limited geographic reach
  • Susceptible to interest rate risk
  • Higher cost of funds

Opportunities

  • Expansion into new markets
  • Acquisitions of smaller banks
  • Increased demand for commercial loans
  • Growth in fintech partnerships

Threats

  • Increased competition from larger banks
  • Economic downturn
  • Regulatory changes
  • Cybersecurity threats
  • Rising interest rates

Competitors and Market Share

competitor logo Key Competitors

  • EWBC
  • UMB
  • BOH

Competitive Landscape

Capital Bancorp faces competition from larger national banks and regional players. Its advantages include local market knowledge and personalized service, while its disadvantages include smaller size and limited resources.

Growth Trajectory and Initiatives

Historical Growth: Historical growth can be assessed by analyzing past revenue and profit growth rates from the company's financial statements.

Future Projections: Future growth projections can be found in analyst reports and company presentations.

Recent Initiatives: Recent initiatives can be found in press releases and investor presentations.

Summary

Capital Bancorp is a regional bank with a strong presence in the Mid-Atlantic. It benefits from a diversified loan portfolio and focus on relationship banking. However, its smaller size and limited geographic reach pose challenges. Growth opportunities exist through expansion and acquisitions, but it faces threats from larger banks and economic downturns.

Peer Comparison

Sources and Disclaimers

Data Sources:

  • Company filings (10-K, 10-Q)
  • Press releases
  • Analyst reports
  • Company website

Disclaimers:

This analysis is based on publicly available information and is for informational purposes only. It should not be considered financial advice. Market share estimates are approximate and may not reflect precise figures.

Upturn AI SummarizationUpturn AI Summarization AI Summarization is directionally correct and might not be accurate.

Upturn AI SummarizationUpturn AI Summarization Summarized information shown could be a few years old and not current.

Upturn AI SummarizationUpturn AI Summarization Fundamental Rating based on AI could be based on old data.

Upturn AI SummarizationUpturn AI Summarization AI-generated summaries may have inaccuracies (hallucinations). Please verify the information before taking action.

About Capital Bancorp

Exchange NASDAQ
Headquaters Rockville, MD, United States
IPO Launch date 2018-09-26
President, CEO & Director Mr. Edward F. Barry
Sector Financial Services
Industry Banks - Regional
Full time employees 389
Full time employees 389

Capital Bancorp, Inc. operates as the bank holding company for Capital Bank, N.A. that provides various banking products and services to businesses, not-for-profit associations, and entrepreneurs in Maryland, Virginia, and the District of Columbia. 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.