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Capital Bancorp (CBNK)



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Upturn Advisory Summary
08/28/2025: CBNK (1-star) is currently NOT-A-BUY. Pass it for now.
1 Year Target Price $38
1 Year Target Price $38
3 | Strong Buy |
0 | Buy |
1 | Hold |
0 | Sell |
0 | Strong Sell |
Analysis of Past Performance
Type Stock | Historic Profit 25.85% | Avg. Invested days 49 | Today’s Advisory PASS |
Upturn Star Rating ![]() ![]() | Upturn Advisory Performance ![]() | Stock Returns Performance ![]() |
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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 |
Upturn AI SWOT
Capital Bancorp

Company Overview
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.
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 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
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
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
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.
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://capitalbankmd.com |
Full time employees 389 | Website https://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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