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CBNK 
Capital Bancorp (CBNK)
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Upturn Advisory Summary
11/05/2025: CBNK (1-star) is currently NOT-A-BUY. Pass it for now.
Upturn Star Rating
Not Recommended Performance
These Stocks/ETFs, based on Upturn Advisory, consistently fall short of market performance, signaling caution before investing.
Number of Analysts
4 Analysts rated it
Very few follow this stock; limited insights, higher-risk early investing.
1 Year Target Price $35
1 Year Target Price $35
| 3 | Strong Buy |
| 0 | Buy |
| 1 | Hold |
| 0 | Sell |
| 0 | Strong Sell |
Analysis of Past Performance
Type Stock | Historic Profit 18.11% | Avg. Invested days 44 | Today’s Advisory PASS |
Upturn Star Rating | Upturn Advisory Performance  3.0 | Stock Returns Performance  2.0 |
| Profits based on simulation | Last Close 11/05/2025 |
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 468.23M USD | Price to earnings Ratio 9.63 | 1Y Target Price 35 |
Price to earnings Ratio 9.63 | 1Y Target Price 35 | ||
Volume (30-day avg) 4 | Beta 0.68 | 52 Weeks Range 24.52 - 36.26 | Updated Date 11/6/2025 |
52 Weeks Range 24.52 - 36.26 | Updated Date 11/6/2025 | ||
Dividends yield (FY) 1.50% | Basic EPS (TTM) 2.93 |
Analyzing Revenue: Products, Geography and Growth
Revenue by Products
Product revenue - Year on Year
Earnings Date
Report Date 2025-11-03 | When After Market | Estimate 0.85 | Actual 0.72 |
Profitability
Profit Margin 22.36% | Operating Margin (TTM) 35.32% |
Management Effectiveness
Return on Assets (TTM) 1.67% | Return on Equity (TTM) 14.72% |
Valuation
Trailing PE 9.63 | Forward PE 8.35 | Enterprise Value 313432320 | Price to Sales(TTM) 2.11 |
Enterprise Value 313432320 | Price to Sales(TTM) 2.11 | ||
Enterprise Value to Revenue 2.48 | Enterprise Value to EBITDA - | Shares Outstanding 16589241 | Shares Floating 10916716 |
Shares Outstanding 16589241 | Shares Floating 10916716 | ||
Percent Insiders 30.36 | Percent Institutions 42.26 |
Upturn AI SWOT
Capital Bancorp
Company Overview
History and Background
Capital Bancorp, Inc. was founded in 1989 and is headquartered in Rockville, Maryland. It operates as the holding company for Capital Bank, N.A. It has grown organically and through acquisitions to serve the Washington, D.C., metropolitan area and beyond.
Core Business Areas
- Commercial Banking: Provides a range of commercial banking services, including lending, deposit accounts, and cash management solutions for businesses.
- Retail Banking: Offers retail banking services such as checking and savings accounts, mortgages, and personal loans to individuals.
- Wealth Management: Provides investment and wealth management services to individuals and families.
Leadership and Structure
The company is led by a board of directors and a senior management team. James J. MacAleer is the Chairman and CEO. The organizational structure includes various departments responsible for different aspects of the business, such as lending, operations, and finance.
Top Products and Market Share
Key Offerings
- Commercial Real Estate Loans: Provides financing for commercial real estate projects. Market share data is not publicly available at a granular level. Competitors include large national banks and other regional banks.
- Small Business Loans (SBA): Offers Small Business Administration (SBA) loans to small businesses. Market share data is not publicly available at a granular level. Competitors include large national banks and other regional banks specializing in SBA lending.
- Deposit Accounts: Offers various deposit accounts, including checking, savings, and money market accounts. Market share data is not publicly available at a granular level. Competitors include all banks in the region.
Market Dynamics
Industry Overview
The banking industry is highly competitive and regulated. It is influenced by factors such as interest rates, economic conditions, and regulatory changes.
Positioning
Capital Bancorp is positioned as a community-focused bank providing personalized service and local market expertise. Its competitive advantage lies in its responsiveness and local decision-making.
Total Addressable Market (TAM)
The TAM includes all banking customers in its geographic footprint. Capital Bancorp is positioned to capture a share of this market by focusing on relationship banking and serving the needs of local businesses and individuals.
Upturn SWOT Analysis
Strengths
- Strong local market knowledge
- Experienced management team
- Focus on customer relationships
- Solid capital base
Weaknesses
- Smaller scale compared to larger banks
- Geographic concentration
- Limited brand recognition outside of the region
Opportunities
- Expansion into new markets
- Increased demand for commercial lending
- Adoption of new technologies
- Acquisition opportunities
Threats
- Increased competition from larger banks
- Economic downturn
- Rising interest rates
- Regulatory changes
Competitors and Market Share
Key Competitors
- Bank of America (BAC)
- Wells Fargo (WFC)
- PNC Financial Services (PNC)
Competitive Landscape
Capital Bancorp competes with larger national and regional banks. Its advantage lies in its local market knowledge and personalized service. Disadvantages stem from its smaller scale and limited resources.
Growth Trajectory and Initiatives
Historical Growth: Historical growth has been driven by organic expansion and acquisitions.
Future Projections: Future projections are dependent on economic conditions and company performance. Analyst estimates vary.
Recent Initiatives: Recent initiatives include investments in technology and expansion of commercial lending activities.
Summary
Capital Bancorp is a regional bank with a strong focus on commercial lending and customer relationships. Its local market expertise and personalized service provide a competitive advantage. However, its smaller size and geographic concentration pose challenges. The company should continue to invest in technology and explore expansion opportunities to drive future growth.
Similar Stocks
Sources and Disclaimers
Data Sources:
- SEC Filings
- Company Website
- Analyst Reports
Disclaimers:
This analysis is for informational purposes only and should not be considered financial advice. Market conditions and company performance can change rapidly.
AI Summarization is directionally correct and might not be accurate.
Summarized information shown could be a few years old and not current.
Fundamental Rating based on AI could be based on old data.
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 | Website https://ir.capitalbankmd.com |
Full time employees 389 | Website https://ir.capitalbankmd.com | ||
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.
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