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Upturn AI SWOT - About
CBNK 
Capital Bancorp (CBNK)
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Upturn Advisory Summary
09/12/2025: CBNK (1-star) has a low Upturn Star Rating. Not recommended to BUY.
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 $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 20.07% | Avg. Invested days 44 | Today’s Advisory Consider higher Upturn Star rating |
Upturn Star Rating | Upturn Advisory Performance  3.0 | Stock Returns Performance  3.0 |
| Profits based on simulation | Last Close 09/12/2025 |
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 550.90M USD | Price to earnings Ratio 12.49 | 1Y Target Price 38 |
Price to earnings Ratio 12.49 | 1Y Target Price 38 | ||
Volume (30-day avg) 4 | Beta 0.74 | 52 Weeks Range 23.77 - 36.26 | Updated Date 09/14/2025 |
52 Weeks Range 23.77 - 36.26 | Updated Date 09/14/2025 | ||
Dividends yield (FY) 1.19% | 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 12.49 | Forward PE 8.35 | Enterprise Value 315394240 | Price to Sales(TTM) 2.69 |
Enterprise Value 315394240 | Price to Sales(TTM) 2.69 | ||
Enterprise Value to Revenue 2.69 | Enterprise Value to EBITDA - | Shares Outstanding 16583500 | Shares Floating 10931373 |
Shares Outstanding 16583500 | Shares Floating 10931373 | ||
Percent Insiders 30.27 | Percent Institutions 42.17 |
Upturn AI SWOT
Capital Bancorp
Company Overview
History and Background
Capital Bancorp, Inc. was founded in 1989. Initially known as Rockville Bank, the company has grown through organic expansion and strategic acquisitions. It rebranded to Capital Bancorp in 2017 to reflect its broader range of services and geographic footprint.
Core Business Areas
- Commercial Banking: Provides loans, deposit accounts, and other financial services to businesses.
- Retail Banking: Offers personal banking products such as checking and savings accounts, mortgages, and consumer loans.
- Capital Commercial Lending: Specializes in providing commercial lending services to growing companies.
- Government Contracting: Provides specialized banking products and financial services to government contractors
Leadership and Structure
James J. MacLean III is the current Chairman and CEO. The organizational structure includes divisions for commercial banking, retail banking, and wealth management, with a board of directors overseeing strategic direction.
Top Products and Market Share
Key Offerings
- Commercial Loans: Loans to businesses for various purposes, including working capital, equipment financing, and real estate. Market share data is not publicly available, but competitors include larger regional and national banks. Competitors: Bank of America, PNC, Truist
- Mortgage Lending: Residential mortgages for home purchase and refinance. Market share data is not publicly available. Competitors: Wells Fargo, JPMorgan Chase
- Government Contracting Services: Specialized banking products and services for government contractors. Competitors: EagleBank, Chain Bridge Bank
Market Dynamics
Industry Overview
The banking industry is currently influenced by rising interest rates, regulatory changes, and increasing competition from fintech companies. Consolidation is also a notable trend.
Positioning
Capital Bancorp is a regional bank focusing on commercial lending and government contracting services. Its competitive advantages include strong local market knowledge and personalized service. Capital Bancorp is strategically positioned to capitalize on the growing demand for banking services in its target markets.
Total Addressable Market (TAM)
The total addressable market for banking services in the Mid-Atlantic region is estimated to be in the tens of billions of dollars annually. Capital Bancorp is positioned to capture a portion of this market through its specialized services and regional focus.
Upturn SWOT Analysis
Strengths
- Strong regional presence
- Expertise in commercial lending
- Focus on government contracting
- Experienced management team
Weaknesses
- Limited geographic diversification
- Smaller scale compared to national banks
- Reliance on interest rate spreads
- Brand recognition is not as strong as competitors.
Opportunities
- Expansion into new markets
- Increased demand for commercial lending
- Growing government contracting sector
- Adoption of fintech solutions
Threats
- Rising interest rates
- Increased competition from larger banks
- Regulatory changes
- Economic downturn
Competitors and Market Share
Key Competitors
- BANA
- PNC
- BBT
Competitive Landscape
Capital Bancorp competes with larger national and regional banks, as well as smaller community banks. Its advantages include its focus on commercial lending and government contracting, while its disadvantages include its smaller scale and limited geographic diversification.
Growth Trajectory and Initiatives
Historical Growth: Historical growth rates for revenue, assets, and net income needs to be added and can be gathered from the SEC EDGAR database under CPNB.
Future Projections: Analyst estimates of future growth are not readily available but can be gathered through paid subscriptions to financial analyst services. This includes projected revenue, earnings, and asset growth.
Recent Initiatives: Recent initiatives include expansion of government contracting services and investment in digital banking platforms.
Summary
Capital Bancorp is a regional bank with strengths in commercial lending and government contracting. Its smaller size and limited geographic diversification pose challenges. Future growth depends on expanding its market reach, capitalizing on opportunities in its core business areas, and mitigating threats from larger competitors and economic conditions.
Peer Comparison
Sources and Disclaimers
Data Sources:
- SEC Filings
- Company Website
- Industry Reports
Disclaimers:
This analysis is based on available public information and is not financial advice. Market share estimates are approximate.
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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