CBNK
Capital Bancorp Inc
Next earnings Jul 16, 2026 · consensus $0.84 EPS, $67.8M rev
Last earnings +1.4% on 2026-04-27
$35.21
▲ +1.70%$35.21▲ +10.48%
over 1Y
L $26.41EODHDH $35.21
Earnings Dividend Split Congress buy Congress sellGrouped by date · hover a pin to expand
Today+1.7%
1W+5.2%
1M+10.5%
3M+22.0%
YTD+26.5%
1Y+10.5%
Sell
Conviction
Horizon
Medium (3–12mo)
Street · 10 analysts
Buy
Undemanding valuation (P/E 9.8); but high leverage (liabilities/equity 8.0x).
Return on equity 14.2% · latest
The read
It screens cheap (~268% below fair value), but the weak fundamentals are why — more potential value trap than bargain.
Capital Bancorp Inc shows limited reported revenue, and 14.2% ROE.
Financials · annual, by fiscal year
| Line item | FY21 | FY22 | FY23 | FY24 | FY25 |
|---|---|---|---|---|---|
| Revenue | — | — | — | — | — |
| Gross profit | — | — | — | — | — |
| Operating income | — | -$4.47M | -$4.61M | -$3.71M | — |
| Net income | $40.0M | $41.8M | $35.9M | $31.0M | $57.2M |
| Diluted EPS | $2.84 | $2.91 | $2.55 | $2.12 | $3.41 |
| Net margin | — | — | — | — | — |
Annual figures from SEC 10-K XBRL filings. Open the filing links below for full statement detail.
Key statistics
Valuation
Enterprise value—
EV / EBITDA—
EV / Sales—
EV / FCF—
P / FCF8.5
PEG (trailing)0.12
Earnings yield9.9%
FCF yield11.8%
Quality & risk
ROIC (est.)-0.7%
Free cash flow$68.0M
Total debt—
Net cash$256M
Capital returns
Buyback yield2.0%
Dividend yield (est.)1.3%
Shareholder yield3.3%
Shares Δ YoY-1.7%
Computed from SEC XBRL annual figures + the current quote. EV and ROIC use long-term + current debt where filed; estimates, not investment advice.
Disclosure timeline
SEC · 8-Ks + reportsSome governance/structural items recently, but no outright red flags.
Recent filings
all on EDGAR ↗8-KPeriod ending 2026-06-172026-06-17open ↗8-KPeriod ending 2026-05-282026-06-01open ↗10-QPeriod ending 2026-03-312026-05-08open ↗8-KPeriod ending 2026-04-272026-04-27open ↗ARSPeriod ending 2025-12-312026-04-07open ↗DEF 14APeriod ending 2026-05-282026-04-07open ↗4Period ending 2026-04-022026-04-06open ↗4/APeriod ending 2026-03-022026-03-23open ↗4Period ending 2026-03-182026-03-18open ↗8-KPeriod ending 2026-03-162026-03-18open ↗4Period ending 2026-03-132026-03-17open ↗10-KPeriod ending 2025-12-312026-03-16open ↗
Frequently asked
- Is Capital Bancorp Inc (CBNK) a buy?
- CBNK currently carries a Sell rating with 2/5 conviction, derived from its latest SEC filings. Undemanding valuation (P/E 9.8); but high leverage (liabilities/equity 8.0x).
- What is CBNK's fair value?
- A Modified-Graham model based on CBNK's SEC fundamentals estimates a fair value of about $129.58. It is an estimate from reported earnings, not a price target.
- Is CBNK overvalued or undervalued?
- Against a Modified-Graham fair-value estimate, CBNK currently appears undervalued relative to its SEC-grounded earnings power.
- What is Capital Bancorp Inc's quality score?
- CBNK scores 84/100 (grade A) on a SEC-grounded quality model spanning value, growth, profitability, financial health and momentum.
Sources: SEC EDGAR (CIK 0001419536, latest 10-Q filed 2026-05-08) · EODHD · as of 6/22/2026, 11:32:37 PM.
Research and education only — not financial advice. EDGAR is not a registered investment adviser or broker-dealer and gives no personalized advice. Every call is impersonal — identical for all users, generated on a schedule from SEC filings plus a delayed/third-party price feed — may be wrong or out of date, and is not a recommendation to buy or sell any security. The operator and an affiliated trading operation may hold or trade the securities EDGAR rates; see Disclosures. Past performance does not guarantee future results. Do your own research.