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CBNK logo CBNK
Upturn stock ratingUpturn stock rating
CBNK logo

Capital Bancorp (CBNK)

Upturn stock ratingUpturn stock rating
$34.5
Last Close (24-hour delay)
upturn advisory
PASS
  • BUY Advisory
  • SELL Advisory (Profit)​
  • SELL Advisory (Loss)​
  • Profit
  • Loss
  • Pass (Skip investing)
Upturn Stock infoUpturn Stock info Stock price based on last close
*as per simulation
(see disclosures)
Time period over
  • ALL
  • YEAR
  • MONTH
  • WEEK

Upturn Advisory Summary

08/28/2025: CBNK (1-star) is currently NOT-A-BUY. Pass it for now.

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

Very few follow this stock; limited insights, higher-risk early investing.

1 Year Target Price $38

1 Year Target Price $38

Analysts Price Target For last 52 week
$38 Target price
52w Low $23.77
Current$34.5
52w High $36.26

Analysis of Past Performance

Type Stock
Historic Profit 25.85%
Avg. Invested days 49
Today’s Advisory PASS
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 08/28/2025

Key Highlights

Company Size Small-Cap Stock
Market Capitalization 572.13M USD
Price to earnings Ratio 12.97
1Y Target Price 38
Price to earnings Ratio 12.97
1Y Target Price 38
Volume (30-day avg) 4
Beta 0.7
52 Weeks Range 23.77 - 36.26
Updated Date 08/29/2025
52 Weeks Range 23.77 - 36.26
Updated Date 08/29/2025
Dividends yield (FY) 1.16%
Basic EPS (TTM) 2.66

Analyzing Revenue: Products, Geography and Growth

Revenue by Products

Product revenue - Year on Year

Earnings Date

Report Date -
When -
Estimate -
Actual -

Profitability

Profit Margin 21.09%
Operating Margin (TTM) 32.64%

Management Effectiveness

Return on Assets (TTM) 1.49%
Return on Equity (TTM) 13.36%

Valuation

Trailing PE 12.97
Forward PE 8.35
Enterprise Value 336621152
Price to Sales(TTM) 2.79
Enterprise Value 336621152
Price to Sales(TTM) 2.79
Enterprise Value to Revenue 2.79
Enterprise Value to EBITDA -
Shares Outstanding 16583500
Shares Floating 10933529
Shares Outstanding 16583500
Shares Floating 10933529
Percent Insiders 30.25
Percent Institutions 42.13

ai summary icon Upturn AI SWOT

Capital Bancorp

stock logo

Company Overview

overview logo History and Background

Capital Bancorp, Inc. was founded in 1989. Initially focused on serving the Washington D.C. metropolitan area, it has grown through strategic acquisitions and organic growth to become a prominent community bank.

business area logo Core Business Areas

  • Commercial Banking: Provides a range of commercial lending and deposit services to businesses, including term loans, lines of credit, and commercial real estate financing.
  • Retail Banking: Offers a variety of retail banking products, including checking accounts, savings accounts, mortgage loans, and consumer loans.
  • Treasury Management: Provides cash management services to businesses, including online banking, lockbox services, and ACH processing.
  • Mortgage Banking: Provides mortgage banking products that includes mortgage originations, sales, and servicing activities

leadership logo Leadership and Structure

The leadership team includes James J. MacAleer (Chairman & CEO). The organizational structure is typical of a regional bank, with various departments overseeing lending, operations, finance, and compliance. They report to the board of directors.

Top Products and Market Share

overview logo Key Offerings

  • Commercial Loans: Commercial loans are a key offering, catering to small and medium-sized businesses. No specific market share data is available. Competitors include other regional and national banks (e.g., Bank of America, PNC).
  • Mortgage Products: Offers a range of mortgage products. Market share data is unavailable. Competitors include Rocket Mortgage, Wells Fargo.
  • SBA Loans: Capital Bancorp provides SBA (Small Business Administration) loans. The competion is among regional, community and national banks.

Market Dynamics

industry overview logo Industry Overview

The banking industry is currently facing challenges from rising interest rates, increased regulatory scrutiny, and competition from fintech companies.

Positioning

Capital Bancorp positions itself as a community-focused bank that provides personalized service and customized solutions. They have a local market presence.

Total Addressable Market (TAM)

The TAM for banking services in the Mid-Atlantic region is estimated to be significant. Capital Bancorp is positioned to capture a portion of this TAM through its focus on local businesses and personalized service.

Upturn SWOT Analysis

Strengths

  • Strong local market presence
  • Experienced management team
  • Strong customer relationships
  • Diversified loan portfolio

Weaknesses

  • Smaller scale compared to larger national banks
  • Limited geographic reach
  • Vulnerable to economic downturns in the Mid-Atlantic region

Opportunities

  • Expansion into new markets
  • Increased demand for commercial loans
  • Adoption of new technologies
  • Strategic acquisitions

Threats

  • Rising interest rates
  • Increased regulatory scrutiny
  • Competition from fintech companies
  • Economic downturn

Competitors and Market Share

competitor logo Key Competitors

  • Sandy Spring Bancorp (SASR)
  • Eagle Bancorp (EGBN)
  • First Bancorp (FBNC)

Competitive Landscape

Capital Bancorp faces competition from larger national banks and other regional banks. Its advantages include its local market presence and personalized service. Disadvantages include its smaller scale.

Growth Trajectory and Initiatives

Historical Growth: Capital Bancorp has experienced growth through acquisitions and organic expansion.

Future Projections: Future growth projections are based on analyst estimates, which are not readily available.

Recent Initiatives: Recent initiatives may include expanding into new markets, launching new products, or investing in technology.

Summary

Capital Bancorp is a regional bank with a strong presence in the Mid-Atlantic region. The company has experienced growth through acquisitions and organic expansion. The company's strengths include its experienced management team and strong customer relationships. Its weaknesses include its smaller scale compared to larger national banks and limited geographic reach.

Peer Comparison

Sources and Disclaimers

Data Sources:

  • SEC filings, Company website, Third-party financial data providers.

Disclaimers:

This analysis is based on available information and is not financial advice. Market data is subject to change.

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.