Capital Bancorp (CBNK)
Market Price (6/23/2026): $33.36 | Market Cap: $545.3 MilSector: Financials | Industry: Regional Banks
Capital Bancorp (CBNK)
Market Price (6/23/2026): $33.36Market Cap: $545.3 MilSector: FinancialsIndustry: Regional Banks
Investment Highlights Why It Matters Detailed financial logic regarding cash flow yields vs trend-riding momentum.
Attractive yieldTotal YieldTotal Yield = Earnings Yield + Dividend Yield, Earnings Yield = Net Income / Market Cap Dividend Yield = Total Dividends / Market Cap is 11%, ERPEquity Risk Premium (ERP) = Total Yield - Risk Free Rate, Reflects the premium above risk free assets offered by the investment. is 7.3%, FCF Yield is 12% Cash is significant % of market capNet D/ENet Debt/Equity. Debt net of cash. Negative indicates net cash. Equity is taken as the Market Capitalization is -105% Attractive cash flow generationCFO/Rev LTMCash Flow from Operations / Revenue (Sales), Last Twelve Months (LTM) is 28%, FCF/Rev LTMFree Cash Flow / Revenue (Sales), Last Twelve Months (LTM) is 27% Low stock price volatilityVol 12M is 26% Megatrend and thematic driversMegatrends include Fintech & Digital Payments. Themes include Online Banking & Lending, and Digital Payments. | Trading close to highsDist 52W High is -4.7%, Dist 3Y High is -4.7% Meaningful short interestShort Interest Days-to-CoverDTC = (Short Interest Share Quantity) / (Average Daily Trading Volume). Reflects how many days it would take to cover (close out) the short interest based on average volumes. High DTC can signify an increased risk of a short squeeze. is 10.51 | Key risksCBNK key risks include [1] deposit concentration and [2] potential credit losses from its commercial real estate portfolio and OpenSky® credit card division. |
| Attractive yieldTotal YieldTotal Yield = Earnings Yield + Dividend Yield, Earnings Yield = Net Income / Market Cap Dividend Yield = Total Dividends / Market Cap is 11%, ERPEquity Risk Premium (ERP) = Total Yield - Risk Free Rate, Reflects the premium above risk free assets offered by the investment. is 7.3%, FCF Yield is 12% |
| Cash is significant % of market capNet D/ENet Debt/Equity. Debt net of cash. Negative indicates net cash. Equity is taken as the Market Capitalization is -105% |
| Attractive cash flow generationCFO/Rev LTMCash Flow from Operations / Revenue (Sales), Last Twelve Months (LTM) is 28%, FCF/Rev LTMFree Cash Flow / Revenue (Sales), Last Twelve Months (LTM) is 27% |
| Low stock price volatilityVol 12M is 26% |
| Megatrend and thematic driversMegatrends include Fintech & Digital Payments. Themes include Online Banking & Lending, and Digital Payments. |
| Trading close to highsDist 52W High is -4.7%, Dist 3Y High is -4.7% |
| Meaningful short interestShort Interest Days-to-CoverDTC = (Short Interest Share Quantity) / (Average Daily Trading Volume). Reflects how many days it would take to cover (close out) the short interest based on average volumes. High DTC can signify an increased risk of a short squeeze. is 10.51 |
| Key risksCBNK key risks include [1] deposit concentration and [2] potential credit losses from its commercial real estate portfolio and OpenSky® credit card division. |
Qualitative Assessment
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Updated on 6/10/2026
Capital Bancorp (CBNK) stock has gained about 15% since 2/28/2026 because of the following key factors:
1. Robust Balance Sheet Expansion and Strategic Segment Focus. Capital Bancorp demonstrated significant balance sheet growth in fiscal Q1 2026, which ended March 31, 2026. Total assets increased to $3.81 billion, a 13.7% year-over-year rise and a 5.6% increase from December 2025. Similarly, portfolio loans grew 13.0% year-over-year to $3.03 billion, and deposits expanded 13.9% year-over-year to $3.29 billion. This strong organic growth, particularly the 9.2% annualized loan growth and 26.1% deposit growth in Q1 2026, was further supported by the company's continued investment in and focus on scaling its OpenSky credit card division and other unsecured card products.
2. Commitment to Shareholder Returns Through Repurchase Program. On March 18, 2026, Capital Bancorp authorized a new stock repurchase program for up to $15 million or 550,000 shares, set to expire on December 31, 2026. This initiative replaced a prior $15 million program that concluded on February 28, 2026, under which 419,643 shares were repurchased. The consistent renewal and execution of share repurchase programs signal management's confidence and commitment to enhancing shareholder value.
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Capital Bancorp (CBNK) stock has gained about 15% since 2/28/2026 because of the following key factors:
1. Robust Balance Sheet Expansion and Strategic Segment Focus. Capital Bancorp demonstrated significant balance sheet growth in fiscal Q1 2026, which ended March 31, 2026. Total assets increased to $3.81 billion, a 13.7% year-over-year rise and a 5.6% increase from December 2025. Similarly, portfolio loans grew 13.0% year-over-year to $3.03 billion, and deposits expanded 13.9% year-over-year to $3.29 billion. This strong organic growth, particularly the 9.2% annualized loan growth and 26.1% deposit growth in Q1 2026, was further supported by the company's continued investment in and focus on scaling its OpenSky credit card division and other unsecured card products.
2. Commitment to Shareholder Returns Through Repurchase Program. On March 18, 2026, Capital Bancorp authorized a new stock repurchase program for up to $15 million or 550,000 shares, set to expire on December 31, 2026. This initiative replaced a prior $15 million program that concluded on February 28, 2026, under which 419,643 shares were repurchased. The consistent renewal and execution of share repurchase programs signal management's confidence and commitment to enhancing shareholder value.
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Updated on 6/10/2026
Capital Bancorp (CBNK) stock has gained about 15% since 2/28/2026 because of the following key factors:
1. Robust Balance Sheet Expansion and Strategic Segment Focus. Capital Bancorp demonstrated significant balance sheet growth in fiscal Q1 2026, which ended March 31, 2026. Total assets increased to $3.81 billion, a 13.7% year-over-year rise and a 5.6% increase from December 2025. Similarly, portfolio loans grew 13.0% year-over-year to $3.03 billion, and deposits expanded 13.9% year-over-year to $3.29 billion. This strong organic growth, particularly the 9.2% annualized loan growth and 26.1% deposit growth in Q1 2026, was further supported by the company's continued investment in and focus on scaling its OpenSky credit card division and other unsecured card products.
2. Commitment to Shareholder Returns Through Repurchase Program. On March 18, 2026, Capital Bancorp authorized a new stock repurchase program for up to $15 million or 550,000 shares, set to expire on December 31, 2026. This initiative replaced a prior $15 million program that concluded on February 28, 2026, under which 419,643 shares were repurchased. The consistent renewal and execution of share repurchase programs signal management's confidence and commitment to enhancing shareholder value.
3. Exceeding Revenue Estimates and Positive Future Earnings Outlook. While Capital Bancorp reported an earnings per share (EPS) of $0.73 for fiscal Q1 2026, missing the consensus estimate of $0.78, the company's revenue of $62.77 million surpassed the consensus estimate of $62.41 million. Despite the modest EPS miss, the stock experienced only a slight decline of 0.25% following the earnings announcement, suggesting that the market was not significantly deterred. Furthermore, analysts project Capital Bancorp's earnings to grow 9.12% in the next year, from $3.40 to $3.71 per share, indicating a positive outlook for future profitability.
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Capital Bancorp (CBNK) stock has gained about 15% since 2/28/2026 because of the following key factors:
1. Robust Balance Sheet Expansion and Strategic Segment Focus. Capital Bancorp demonstrated significant balance sheet growth in fiscal Q1 2026, which ended March 31, 2026. Total assets increased to $3.81 billion, a 13.7% year-over-year rise and a 5.6% increase from December 2025. Similarly, portfolio loans grew 13.0% year-over-year to $3.03 billion, and deposits expanded 13.9% year-over-year to $3.29 billion. This strong organic growth, particularly the 9.2% annualized loan growth and 26.1% deposit growth in Q1 2026, was further supported by the company's continued investment in and focus on scaling its OpenSky credit card division and other unsecured card products.
2. Commitment to Shareholder Returns Through Repurchase Program. On March 18, 2026, Capital Bancorp authorized a new stock repurchase program for up to $15 million or 550,000 shares, set to expire on December 31, 2026. This initiative replaced a prior $15 million program that concluded on February 28, 2026, under which 419,643 shares were repurchased. The consistent renewal and execution of share repurchase programs signal management's confidence and commitment to enhancing shareholder value.
3. Exceeding Revenue Estimates and Positive Future Earnings Outlook. While Capital Bancorp reported an earnings per share (EPS) of $0.73 for fiscal Q1 2026, missing the consensus estimate of $0.78, the company's revenue of $62.77 million surpassed the consensus estimate of $62.41 million. Despite the modest EPS miss, the stock experienced only a slight decline of 0.25% following the earnings announcement, suggesting that the market was not significantly deterred. Furthermore, analysts project Capital Bancorp's earnings to grow 9.12% in the next year, from $3.40 to $3.71 per share, indicating a positive outlook for future profitability.
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Stock Movement Drivers
Fundamental Drivers
The 14.2% change in CBNK stock from 2/28/2026 to 6/22/2026 was primarily driven by a 6.8% change in the company's Net Income Margin (%).| (LTM values as of) | 2282026 | 6222026 | Change |
|---|---|---|---|
| Stock Price ($) | 29.30 | 33.46 | 14.2% |
| Change Contribution By: | |||
| Total Revenues ($ Mil) | 235 | 245 | 4.2% |
| Net Income Margin (%) | 21.1% | 22.6% | 6.8% |
| P/E Multiple | 9.8 | 9.9 | 1.2% |
| Shares Outstanding (Mil) | 17 | 16 | 1.5% |
| Cumulative Contribution | 14.2% |
Market Drivers
2/28/2026 to 6/22/2026| Return | Correlation | |
|---|---|---|
| CBNK | 14.2% | |
| Market (SPY) | 8.8% | 32.8% |
| Sector (XLF) | 5.0% | 55.3% |
Fundamental Drivers
The 21.3% change in CBNK stock from 11/30/2025 to 6/22/2026 was primarily driven by a 7.4% change in the company's P/E Multiple.| (LTM values as of) | 11302025 | 6222026 | Change |
|---|---|---|---|
| Stock Price ($) | 27.59 | 33.46 | 21.3% |
| Change Contribution By: | |||
| Total Revenues ($ Mil) | 235 | 245 | 4.2% |
| Net Income Margin (%) | 21.1% | 22.6% | 6.8% |
| P/E Multiple | 9.2 | 9.9 | 7.4% |
| Shares Outstanding (Mil) | 17 | 16 | 1.5% |
| Cumulative Contribution | 21.3% |
Market Drivers
11/30/2025 to 6/22/2026| Return | Correlation | |
|---|---|---|
| CBNK | 21.3% | |
| Market (SPY) | 9.5% | 34.8% |
| Sector (XLF) | 1.6% | 55.5% |
Fundamental Drivers
The 5.2% change in CBNK stock from 5/31/2025 to 6/22/2026 was primarily driven by a 21.8% change in the company's Total Revenues ($ Mil).| (LTM values as of) | 5312025 | 6222026 | Change |
|---|---|---|---|
| Stock Price ($) | 31.80 | 33.46 | 5.2% |
| Change Contribution By: | |||
| Total Revenues ($ Mil) | 201 | 245 | 21.8% |
| Net Income Margin (%) | 19.1% | 22.6% | 18.3% |
| P/E Multiple | 13.8 | 9.9 | -28.4% |
| Shares Outstanding (Mil) | 17 | 16 | 2.0% |
| Cumulative Contribution | 5.2% |
Market Drivers
5/31/2025 to 6/22/2026| Return | Correlation | |
|---|---|---|
| CBNK | 5.2% | |
| Market (SPY) | 27.7% | 39.3% |
| Sector (XLF) | 7.0% | 58.1% |
Fundamental Drivers
The 106.2% change in CBNK stock from 5/31/2023 to 6/22/2026 was primarily driven by a 78.0% change in the company's P/E Multiple.| (LTM values as of) | 5312023 | 6222026 | Change |
|---|---|---|---|
| Stock Price ($) | 16.23 | 33.46 | 106.2% |
| Change Contribution By: | |||
| Total Revenues ($ Mil) | 167 | 245 | 46.4% |
| Net Income Margin (%) | 24.7% | 22.6% | -8.7% |
| P/E Multiple | 5.6 | 9.9 | 78.0% |
| Shares Outstanding (Mil) | 14 | 16 | -13.4% |
| Cumulative Contribution | 106.2% |
Market Drivers
5/31/2023 to 6/22/2026| Return | Correlation | |
|---|---|---|
| CBNK | 106.2% | |
| Market (SPY) | 85.1% | 35.6% |
| Sector (XLF) | 77.5% | 55.4% |
Price Returns Compared
| 2021 | 2022 | 2023 | 2024 | 2025 | 2026 | Total [1] | |
|---|---|---|---|---|---|---|---|
| Returns | |||||||
| CBNK Return | 89% | -9% | 4% | 20% | 0% | 19% | 155% |
| Peers Return | 50% | -40% | 14% | 13% | 7% | 8% | 34% |
| S&P 500 Return | 27% | -19% | 24% | 23% | 16% | 10% | 100% |
Monthly Win Rates [3] | |||||||
| CBNK Win Rate | 83% | 33% | 58% | 58% | 58% | 83% | |
| Peers Win Rate | 58% | 40% | 48% | 57% | 53% | 50% | |
| S&P 500 Win Rate | 75% | 42% | 67% | 75% | 67% | 50% | |
Max Drawdowns [4] | |||||||
| CBNK Max Drawdown | -22% | -22% | -33% | -23% | -25% | -14% | |
| Peers Max Drawdown | -17% | -49% | -44% | -28% | -34% | -20% | |
| S&P 500 Max Drawdown | -5% | -25% | -10% | -8% | -19% | -9% | |
[1] Cumulative total returns since the beginning of 2021
[2] Peers: BHRB, EGBN, LOB, SYF, ALLY.
[3] Win Rate = % of calendar months in which monthly returns were positive
[4] Max drawdown represents maximum peak-to-trough decline within a year
[5] 2026 data is for the year up to 6/22/2026 (YTD)
How Low Can It Go
| Event | CBNK | S&P 500 |
|---|---|---|
| 2025 US Tariff Shock | ||
| % Loss | -19.3% | -18.8% |
| % Gain to Breakeven | 23.9% | 23.1% |
| Time to Breakeven | 34 days | 79 days |
| 2023 SVB Regional Banking Crisis | ||
| % Loss | -25.4% | -6.7% |
| % Gain to Breakeven | 34.0% | 7.1% |
| Time to Breakeven | 179 days | 31 days |
| 2022 Inflation Shock & Fed Tightening | ||
| % Loss | -18.6% | -24.5% |
| % Gain to Breakeven | 22.8% | 32.4% |
| Time to Breakeven | 33 days | 427 days |
| 2020 COVID-19 Crash | ||
| % Loss | -51.6% | -33.7% |
| % Gain to Breakeven | 106.6% | 50.9% |
| Time to Breakeven | 297 days | 140 days |
| Q4 2018 Fed Policy Error / Growth Scare | ||
| % Loss | -14.9% | -19.2% |
| % Gain to Breakeven | 17.5% | 23.8% |
| Time to Breakeven | 212 days | 105 days |
In The Past
Capital Bancorp's stock fell -19.3% during the 2025 US Tariff Shock. Such a loss loss requires a 23.9% gain to breakeven.
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Asset Allocation
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| Event | CBNK | S&P 500 |
|---|---|---|
| 2023 SVB Regional Banking Crisis | ||
| % Loss | -25.4% | -6.7% |
| % Gain to Breakeven | 34.0% | 7.1% |
| Time to Breakeven | 179 days | 31 days |
| 2020 COVID-19 Crash | ||
| % Loss | -51.6% | -33.7% |
| % Gain to Breakeven | 106.6% | 50.9% |
| Time to Breakeven | 297 days | 140 days |
In The Past
Capital Bancorp's stock fell -19.3% during the 2025 US Tariff Shock. Such a loss loss requires a 23.9% gain to breakeven.
Preserve Wealth
Limiting losses and compounding gains is essential to preserving wealth.
Asset Allocation
Actively managed asset allocation strategies protect wealth. Learn more.
About Capital Bancorp (CBNK)
Capital Bancorp, Inc. (CBNK) is a bank holding company that operates through its subsidiary, Capital Bank, N.A., to provide a wide array of banking products and services. The company primarily caters to businesses, not-for-profit associations, and entrepreneurs across the United States, operating from its headquarters in Rockville, Maryland.
The company's core services include a variety of deposit products such as checking, savings, money market accounts, and certificates of deposit, in addition to credit cards. On the lending side, Capital Bancorp specializes in originating residential mortgages and offers diverse loan options, including residential and commercial real estate, construction, commercial business loans, and other consumer loans like term, car, and boat loans.
Capital Bancorp serves a broad spectrum of clients, from small to medium-sized businesses, professionals, and real estate investors to small residential builders and individuals. Its operations are structured across three main segments: Commercial Banking, Capital Bank Home Loans, and OpenSky, supported by a network of commercial bank branches and mortgage/loan offices.
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- A regional Bank of America for local businesses and real estate.
- PNC for community-level businesses and real estate investors.
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- Deposit Accounts: Offers various checking, savings, money market, and time deposit accounts, including certificates of deposit.
- Residential Mortgages: Provides loans specifically for the purchase or refinancing of residential properties.
- Commercial Real Estate and Construction Loans: Offers financing for commercial property acquisition, development, and construction projects.
- Commercial Business Loans: Provides credit facilities and term loans tailored for small to medium-sized businesses.
- Consumer Loans: Offers personal loans for various purposes, such as term loans, car loans, and boat loans.
- Credit Cards: Issues credit card products to individuals and businesses.
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Capital Bancorp (CBNK) provides banking products and services primarily to various categories of customers rather than a few major named companies. Its customer base includes:
- Small to Medium-sized Businesses and Not-for-Profit Associations: These customers utilize commercial banking services, business loans, commercial real estate loans, construction loans, and other financial products. This category also includes real estate investors and small residential builders.
- Entrepreneurs and Professionals: Individuals who operate their own businesses or provide professional services are served, likely utilizing a mix of business and personal banking products.
- Individuals: This category comprises individuals seeking residential mortgages, various consumer loans (such as car, boat, and term loans), personal checking, savings, money market accounts, certificates of deposit, and credit cards.
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- Visa Inc. (V)
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Edward F. Barry, Chief Executive Officer
Mr. Barry joined Capital Bank, N.A. as Chief Executive Officer in September 2012, overseeing the bank's expansion across the DC area and into Baltimore. Prior to his tenure at Capital Bank, he served as Senior Vice President, Product Marketing and Analytics for Capital One Bank, where he managed product, analytics, and marketing for the Small Business division, achieving significant growth in both product portfolio and new customer acquisition. He also held the position of Senior Vice President, Strategic Marketing at Bank of America, acting as the lead marketing executive for their Business Banking division. Earlier in his career, Mr. Barry was a Manager of Strategy and Transformation at E&Y/Capgemini, where he was responsible for developing and implementing initiatives for e-business customer acquisition and retention strategies.
Jacob Dalaya, Executive Vice President, Chief Financial Officer
Mr. Dalaya was appointed Chief Financial Officer of Capital Bancorp and Capital Bank, N.A. effective November 13, 2025. He joined the company in October 2023 as Chief Strategy Officer, where he was instrumental in strategic and financial planning and oversaw the acquisition of Integrated Financial Holdings, Inc. Before his time at Capital Bank, Mr. Dalaya served as a Managing Director at Webster Financial Corporation (formerly Sterling Bancorp) and held various leadership roles at Sterling Bancorp. His background also includes experience as a Vice President in the investment banking division of Keefe, Bruyette & Woods (KBW), where he focused on mergers and acquisitions and capital raising transactions, and he held positions in the financial institutions investment banking group at J.P. Morgan Securities.
Steven M. Poynot, President and Chief Executive Officer of Capital Bank, N.A.
Mr. Poynot was elevated to Chief Executive Officer of Capital Bank, N.A. on December 31, 2025. He joined Capital Bank in 2022 as President and Chief Operating Officer. Mr. Poynot brings over 25 years of experience in commercial banking to his role and continues to lead the Commercial Bank and maintain oversight of Windsor Advantage.
Anguel Lindarev, Executive Vice President and Chief Information Officer
Mr. Lindarev serves as the Executive Vice President and Chief Information Officer for Capital Bancorp.
Scot Browning, Executive Vice President, President of Specialty & CRE Lending
Mr. Browning is the Executive Vice President and President of Specialty & CRE Lending. He previously served as President of Capital Bank, N.A. since its recapitalization in 2002, during which time he played a key role in significantly expanding the commercial lending portfolio.
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Here are the key risks to Capital Bancorp (symbol: CBNK):
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Regulatory Risks related to the OpenSky Division: Capital Bancorp faces significant regulatory risks, particularly concerning its rapidly expanding OpenSky division. This division now accounts for 50% of the company's total revenue, and regulatory changes or compliance issues within this segment could jeopardize its revenue stability. The company operates in a highly regulated environment, and compliance with various banking laws and regulations, including those related to the Community Reinvestment Act and anti-money laundering, is critical.
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Credit Risks, particularly from Real Estate and Construction Loans: The company has substantial exposure to real estate and construction loans. A decline in property values or uncertainties regarding project completion could lead to significant losses. There is also a risk that the Allowance for Credit Losses (ACL) may not be sufficient to absorb potential lifetime losses, and small to medium-sized business borrowers, a key customer segment, may have fewer resources to withstand adverse economic conditions.
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Interest Rate Risks: Fluctuations in interest rates can adversely affect Capital Bancorp's earnings. This risk is particularly pronounced if there are imbalances in the interest rate sensitivities of the company's assets and liabilities, meaning that changes in market interest rates could negatively impact net interest income.
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The primary emerging threat to Capital Bancorp stems from the accelerated growth and market penetration of digital-first banks (neobanks), online lenders, and other fintech companies. These competitors offer similar banking products and services—including deposits, consumer and commercial loans, mortgages, and credit cards—often through more streamlined, technologically advanced platforms, potentially with lower fees or enhanced digital user experiences. This trend directly challenges Capital Bancorp's traditional branch-based model and its reliance on established banking infrastructure, making it increasingly difficult to attract and retain customers who prioritize digital convenience and competitive pricing.
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Capital Bancorp (CBNK) operates in the United States, and the addressable markets for its main products and services are sized for the U.S. region.
- Deposit Products (Checking and Savings, Time, Interest-Bearing Demand, and Money Market Accounts, Certificates of Deposit): The total domestic deposits held by all commercial banks in the U.S. surpassed $18.5 trillion early this month (October 2025). Community banks held 16.6% of total domestic deposits as of Q2 2025. The U.S. retail banking market, which includes savings and checking accounts, was valued at USD 0.91 trillion in 2026 and is projected to reach USD 1.11 trillion by 2031. For Certificates of Deposit specifically, the U.S. market was valued at approximately USD 1,200 billion in 2024 and is projected to reach USD 1,800 billion by 2034. Another estimate places the U.S. Certificate of Deposit Market at USD 212,125 million (or approximately $212.125 billion) in 2024, projected to grow to USD 257,305 million by 2030.
- Credit Cards: The market size of the Credit Card Issuing industry in the U.S. was $178.3 billion in 2025. The U.S. credit card market size was USD 190 billion in 2024 and is expected to reach USD 388.4 billion by 2032. Total U.S. credit card debt stood at $1.182 trillion in the first quarter of 2025.
- Residential Mortgages: The total single-family mortgage origination volume in the U.S. is expected to increase to $2.2 trillion in 2026, from $2.0 trillion expected in 2025.
- Residential and Commercial Real Estate Loans: The U.S. Real Estate Loan Market was valued at $3.5 trillion in 2024 and is projected to grow at a Compound Annual Growth Rate (CAGR) of 10.6%. The commercial real estate (CRE) mortgage market for income-producing properties is roughly $4.5 trillion. Total commercial real estate mortgage borrowing and lending totaled an estimated $498 billion in 2024.
- Construction Loans: Outstanding 1-4 unit residential construction loan volume reached $90.0 billion in Q1 2025. The U.S. commercial real estate mortgage market also includes approximately $470 billion in construction loans.
- Commercial Business Loans: Commercial and industrial loan balances in the U.S. reached over $1.63 trillion in 2023. North America's commercial lending market is projected to reach a valuation of USD 2,892.50 billion by 2025.
- Other Consumer Loans (such as term loans, car loans, and boat loans): The broader U.S. consumer lending market size is $27 trillion and is growing. The global personal loans market size was valued at USD 429.78 billion in 2025, with North America dominating the market. The U.S. personal loan market is estimated to reach USD 148.64 billion in 2026.
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Here are the 3-5 expected drivers of future revenue growth for Capital Bancorp (CBNK) over the next 2-3 years:
- Sustained Organic Loan and Deposit Growth: Capital Bancorp has demonstrated strong organic growth in both its loan and deposit portfolios. For example, in Q4 2025, the company achieved strong loan growth of $137.5 million (19.3% annualized) and deposit growth of $180.9 million (24.6% annualized). Continued robust growth in these core banking activities, particularly within its Commercial Banking segment, is expected to be a primary driver of future revenue.
- Continued Expansion and Performance of the OpenSky Secured Credit Card Business: The OpenSky secured credit card platform is a significant contributor to Capital Bancorp's profitability, accounting for 66% of net income in Q4 2025. This segment, which targets underbanked customers, generates high yields and its ongoing momentum and expansion are anticipated to drive substantial revenue growth.
- Realization of Synergies and Diversified Business Opportunities from the IFH Acquisition: The successful integration of the IFH acquisition, completed in Q4 2025, is poised to enhance Capital Bancorp's operational scale and support business diversification. Leveraging the expanded capabilities and customer base resulting from this acquisition is expected to contribute to revenue growth through new offerings and increased market penetration.
- Growth in Windsor Advantage Servicing Revenue: Capital Bancorp's Windsor Advantage segment, which provides outsourced SBA 7(a) and USDA lending platforms, is forecast for approximately 10% annual growth in its servicing revenue. This consistent and predictable revenue stream is a favorable long-term outlook component for the bank's performance.
- Optimized Net Interest Margin (NIM) through Disciplined Loan Pricing: The company has shown a notable increase in its net interest margin, with Q4 2025 NIM at 7.12%, primarily driven by higher loan yields and disciplined pricing practices throughout 2025. Maintaining and further optimizing its NIM through strategic loan pricing and effective asset-liability management will be crucial in enhancing net interest income and overall revenue.
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Capital Bancorp's (CBNK) capital allocation decisions over the last 3-5 years include the following:
Share Repurchases
- In February 2021, Capital Bancorp announced a new stock repurchase program authorizing the company to repurchase up to $7.5 million of its common stock, superseding a prior $5.0 million program.
- A previous equity buyback plan concluded on December 31, 2024, resulting in the repurchase of 543,215 shares for $9.69 million.
- In February 2025, the Board of Directors authorized a new stock repurchase program of up to $15 million, approximately 483,559 shares, which is set to expire on February 28, 2026. Additionally, for the three months ended December 31, 2025, the company repurchased and retired 304,288 shares at an average price of $28.12, totaling $8.6 million.
Share Issuance
- The company issued common stock valued at $70.9 million in connection with its acquisition of Integrated Financial Holdings, Inc. (IFH) in 2024.
- In March 2026, executive officers received equity compensation including Restricted Stock Units and stock options. For example, EVP Eric M. Suss received 1,015 Restricted Stock Units and 3,924 stock options.
Outbound Investments
- Capital Bancorp completed a merger with Integrated Financial Holdings, Inc. (IFH) in 2024, which expanded its capabilities in SBA and USDA loan servicing through Windsor Advantage.
- This acquisition of IFH contributed to an increase in noninterest income in 2024 and drove commercial loan growth in 2025.
Capital Expenditures
- Over the past twelve months, Capital Bancorp, Inc. reported -$3.27 million in capital expenditures.
- The company plans ongoing investments in technology and human capital to support profitable organic growth and potential bolt-on acquisitions.
Latest Trefis Analyses
| Title | Date | |
|---|---|---|
| DASHBOARDS | ||
| Capital Bancorp Stock Fell 12% in a Month, What Now? | 10/17/2025 |
| Title | |
|---|---|
| ARTICLES |
Research & Analysis
Invest in Strategies
Wealth Management
Peer Comparisons
| Peers to compare with: |
Financials
| Median | |
|---|---|
| Name | |
| Mkt Price | 42.08 |
| Mkt Cap | 1.4 |
| Rev LTM | 448 |
| Op Inc LTM | - |
| FCF LTM | 76 |
| FCF 3Y Avg | 103 |
| CFO LTM | 186 |
| CFO 3Y Avg | 122 |
Growth & Margins
| Median | |
|---|---|
| Name | |
| Rev Chg LTM | 9.6% |
| Rev Chg 3Y Avg | 10.5% |
| Rev Chg Q | 4.8% |
| QoQ Delta Rev Chg LTM | 1.2% |
| Op Inc Chg LTM | - |
| Op Inc Chg 3Y Avg | - |
| Op Mgn LTM | - |
| Op Mgn 3Y Avg | - |
| QoQ Delta Op Mgn LTM | - |
| CFO/Rev LTM | 36.5% |
| CFO/Rev 3Y Avg | 33.4% |
| FCF/Rev LTM | 26.0% |
| FCF/Rev 3Y Avg | 26.9% |
Segment Financials
Revenue by Segment| $ Mil | 2025 | 2024 | 2023 | 2022 | 2021 |
|---|---|---|---|---|---|
| Commercial Bank | 140 | 97 | 78 | 75 | 66 |
| OpenSky™ | 78 | 78 | 80 | 87 | 78 |
| Windsor Advantage ™ | 20 | 5 | 0 | ||
| Capital Bank Home Loans (CBHL) | 7 | 7 | 5 | 5 | 21 |
| Corporate | 0 | 3 | 3 | 2 | |
| Eliminations | 0 | 0 | 0 | ||
| Total | 245 | 186 | 167 | 170 | 167 |
| $ Mil | 2025 | 2024 | 2023 | 2022 | 2021 |
|---|---|---|---|---|---|
| Commercial Bank | 3,407 | 3,037 | 2,052 | 1,940 | 1,859 |
| OpenSky™ | 141 | 126 | 117 | 122 | 138 |
| Capital Bank Home Loans (CBHL) | 32 | 22 | 9 | 8 | 17 |
| Windsor Advantage ™ | 26 | 22 | 0 | ||
| Corporate | 278 | 245 | 218 | ||
| Eliminations | -229 | -192 | -177 | ||
| Total | 3,606 | 3,207 | 2,226 | 2,124 | 2,055 |
Price Behavior
Price Behavior
| Market Price | $33.46 | |
| Market Cap ($ Bil) | 0.5 | |
| First Trading Date | 09/26/2018 | |
| Distance from 52W High | -4.7% | |
| 50 Days | 200 Days | |
| DMA Price | $31.80 | $30.15 |
| DMA Trend | indeterminate | up |
| Distance from DMA | 5.2% | 11.0% |
| 3M | 1YR | |
| Volatility | 23.6% | 25.6% |
| Downside Capture | 42.03 | 90.55 |
| Upside Capture | 68.28 | 74.87 |
| Correlation (SPY) | 28.8% | 38.5% |
CBNK Betas & Captures as of 5/31/2026
[1] Upside and downside betas calculated using positive and negative benchmark daily returns respectively
| 1M | 2M | 3M | 6M | 1Y | 3Y | |
|---|---|---|---|---|---|---|
| Beta | 0.96 | 1.22 | 0.72 | 0.79 | 0.94 | 0.67 |
| Up Beta | 1.65 | 1.03 | 0.59 | 0.90 | 1.24 | 0.62 |
| Down Beta | 1.50 | 2.84 | 0.57 | 0.69 | 0.75 | 0.67 |
| Up Capture | 49% | 79% | 82% | 84% | 66% | 48% |
| Bmk +ve Days | 13 | 28 | 36 | 67 | 141 | 432 |
| Stock +ve Days | 11 | 23 | 34 | 66 | 126 | 386 |
| Down Capture | 79% | 179% | 84% | 73% | 105% | 85% |
| Bmk -ve Days | 7 | 13 | 27 | 57 | 109 | 318 |
| Stock -ve Days | 9 | 18 | 29 | 56 | 121 | 359 |
[1] Upside and downside betas calculated using positive and negative benchmark daily returns respectively
Based On 1-Year Data
| Annualized Return | Annualized Volatility | Sharpe Ratio | Correlation with CBNK | |
|---|---|---|---|---|
| CBNK | 8.8% | 25.7% | 0.29 | - |
| Sector ETF (XLF) | 8.6% | 14.6% | 0.35 | 57.8% |
| Equity (SPY) | 26.1% | 12.4% | 1.59 | 38.4% |
| Gold (GLD) | 24.1% | 27.5% | 0.77 | 1.2% |
| Commodities (DBC) | 18.5% | 18.8% | 0.77 | -20.3% |
| Real Estate (VNQ) | 11.8% | 13.8% | 0.57 | 34.8% |
| Bitcoin (BTCUSD) | -40.2% | 42.5% | -1.09 | 21.2% |
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Based On 5-Year Data
| Annualized Return | Annualized Volatility | Sharpe Ratio | Correlation with CBNK | |
|---|---|---|---|---|
| CBNK | 11.9% | 27.7% | 0.41 | - |
| Sector ETF (XLF) | 9.5% | 18.6% | 0.39 | 55.2% |
| Equity (SPY) | 13.4% | 17.1% | 0.61 | 39.9% |
| Gold (GLD) | 17.1% | 18.3% | 0.76 | 1.2% |
| Commodities (DBC) | 7.5% | 19.4% | 0.28 | 3.4% |
| Real Estate (VNQ) | 2.1% | 18.9% | 0.01 | 37.3% |
| Bitcoin (BTCUSD) | 9.4% | 54.1% | 0.37 | 19.0% |
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Based On 10-Year Data
| Annualized Return | Annualized Volatility | Sharpe Ratio | Correlation with CBNK | |
|---|---|---|---|---|
| CBNK | 10.8% | 46.7% | 0.44 | - |
| Sector ETF (XLF) | 13.2% | 22.2% | 0.54 | 55.2% |
| Equity (SPY) | 15.4% | 18.0% | 0.73 | 47.1% |
| Gold (GLD) | 12.2% | 16.1% | 0.62 | 4.8% |
| Commodities (DBC) | 6.0% | 18.0% | 0.26 | 13.0% |
| Real Estate (VNQ) | 5.4% | 20.7% | 0.23 | 46.3% |
| Bitcoin (BTCUSD) | 59.9% | 66.8% | 1.00 | 16.9% |
Smart multi-asset allocation framework can stack odds in your favor. Learn How
Returns Analyses
Earnings Returns History
Updated 6/3/2026| Forward Returns | |||
|---|---|---|---|
| Earnings Date | 1D Returns | 5D Returns | 21D Returns |
| 4/27/2026 | -4.6% | -3.2% | 0.5% |
| 1/26/2026 | 2.0% | 7.9% | 4.1% |
| 10/27/2025 | -2.9% | -5.4% | -3.6% |
| 7/28/2025 | -7.8% | -9.2% | 0.1% |
| 4/28/2025 | 7.0% | 12.0% | 15.1% |
| 1/27/2025 | 4.4% | 4.5% | 4.6% |
| 10/28/2024 | -1.2% | -0.3% | 12.3% |
| 7/22/2024 | 1.5% | 4.4% | 2.1% |
| ... | |||
| SUMMARY STATS | |||
| # Positive | 14 | 13 | 17 |
| # Negative | 10 | 11 | 7 |
| Median Positive | 2.5% | 4.5% | 4.6% |
| Median Negative | -2.2% | -2.9% | -3.6% |
| Max Positive | 7.0% | 12.0% | 21.7% |
| Max Negative | -7.8% | -9.2% | -11.6% |
| Forward Returns | |||
|---|---|---|---|
| Earnings Date | 1D Returns | 5D Returns | 21D Returns |
| 4/27/2026 | -4.6% | -3.2% | 0.5% |
| 1/26/2026 | 2.0% | 7.9% | 4.1% |
| 10/27/2025 | -2.9% | -5.4% | -3.6% |
| 7/28/2025 | -7.8% | -9.2% | 0.1% |
| 4/28/2025 | 7.0% | 12.0% | 15.1% |
| 1/27/2025 | 4.4% | 4.5% | 4.6% |
| 10/28/2024 | -1.2% | -0.3% | 12.3% |
| 7/22/2024 | 1.5% | 4.4% | 2.1% |
| 4/22/2024 | -1.1% | -1.3% | 2.1% |
| 1/22/2024 | -0.4% | -1.7% | -11.6% |
| 10/23/2023 | 2.8% | 3.4% | 5.9% |
| 7/27/2023 | -2.4% | -3.5% | -5.7% |
| 4/21/2023 | -2.1% | -2.9% | 1.1% |
| 1/25/2023 | -4.8% | -3.3% | -8.5% |
| 10/20/2022 | 0.6% | 0.7% | 0.9% |
| 7/20/2022 | 4.7% | 9.8% | 20.8% |
| 4/20/2022 | 2.2% | -0.9% | -3.2% |
| 1/26/2022 | 1.0% | -1.6% | -1.8% |
| 10/25/2021 | 4.9% | 4.4% | 12.3% |
| 7/22/2021 | 1.5% | 8.9% | 13.9% |
| 4/22/2021 | 0.1% | 4.7% | 0.8% |
| 1/27/2021 | 4.4% | 2.1% | 12.5% |
| 10/27/2020 | -0.7% | 8.3% | 21.7% |
| 7/23/2020 | 4.7% | 1.9% | -1.3% |
| SUMMARY STATS | |||
| # Positive | 14 | 13 | 17 |
| # Negative | 10 | 11 | 7 |
| Median Positive | 2.5% | 4.5% | 4.6% |
| Median Negative | -2.2% | -2.9% | -3.6% |
| Max Positive | 7.0% | 12.0% | 21.7% |
| Max Negative | -7.8% | -9.2% | -11.6% |
SEC Filings
Expand for More| Report Date | Filing Date | Filing |
|---|---|---|
| 03/31/2026 | 05/08/2026 | 10-Q |
| 12/31/2025 | 03/16/2026 | 10-K |
| 09/30/2025 | 11/10/2025 | 10-Q |
| 06/30/2025 | 08/08/2025 | 10-Q |
| 03/31/2025 | 05/09/2025 | 10-Q |
| 12/31/2024 | 03/17/2025 | 10-K |
| 09/30/2024 | 11/12/2024 | 10-Q |
| 06/30/2024 | 08/09/2024 | 10-Q |
| 03/31/2024 | 05/10/2024 | 10-Q |
| 12/31/2023 | 03/15/2024 | 10-K |
| 09/30/2023 | 11/09/2023 | 10-Q |
| 06/30/2023 | 08/09/2023 | 10-Q |
| 03/31/2023 | 05/10/2023 | 10-Q |
| 12/31/2022 | 03/15/2023 | 10-K |
| 09/30/2022 | 11/09/2022 | 10-Q |
| 06/30/2022 | 08/09/2022 | 10-Q |
| Report Date | Filing Date | Filing |
|---|---|---|
| 03/31/2026 | 05/08/2026 | 10-Q |
| 12/31/2025 | 03/16/2026 | 10-K |
| 09/30/2025 | 11/10/2025 | 10-Q |
| 06/30/2025 | 08/08/2025 | 10-Q |
| 03/31/2025 | 05/09/2025 | 10-Q |
| 12/31/2024 | 03/17/2025 | 10-K |
| 09/30/2024 | 11/12/2024 | 10-Q |
| 06/30/2024 | 08/09/2024 | 10-Q |
| 03/31/2024 | 05/10/2024 | 10-Q |
| 12/31/2023 | 03/15/2024 | 10-K |
| 09/30/2023 | 11/09/2023 | 10-Q |
| 06/30/2023 | 08/09/2023 | 10-Q |
| 03/31/2023 | 05/10/2023 | 10-Q |
| 12/31/2022 | 03/15/2023 | 10-K |
| 09/30/2022 | 11/09/2022 | 10-Q |
| 06/30/2022 | 08/09/2022 | 10-Q |
| 03/31/2022 | 05/10/2022 | 10-Q |
| 12/31/2021 | 03/15/2022 | 10-K |
| 09/30/2021 | 11/09/2021 | 10-Q |
| 06/30/2021 | 08/06/2021 | 10-Q |
| 03/31/2021 | 05/10/2021 | 10-Q |
| 12/31/2020 | 03/15/2021 | 10-K |
| 09/30/2020 | 11/09/2020 | 10-Q |
| 06/30/2020 | 08/10/2020 | 10-Q |
| 03/31/2020 | 05/11/2020 | 10-Q |
| 12/31/2019 | 03/16/2020 | 10-K |
| 09/30/2019 | 11/13/2019 | 10-Q |
| 06/30/2019 | 08/12/2019 | 10-Q |
Insider Activity
Updated 4/26/2026| # | Owner | Title | Holding | Action | Filing Date | Price | Shares | Transacted Value | Value of Held Shares | Form |
|---|---|---|---|---|---|---|---|---|---|---|
| 1 | Canuso, Dominic C | Direct | Sell | 11132025 | 27.95 | 3,400 | 95,030 | 40,080 | Form | |
| 2 | Levitt, Randall James | Montrose Lending Group, LLC | Sell | 8282025 | 34.37 | 37,338 | 1,283,307 | 2,062,200 | Form | |
| 3 | Levitt, Randall James | Montrose Lending Group, LLC | Sell | 8282025 | 34.41 | 2,662 | 91,599 | 3,349,401 | Form | |
| 4 | Canuso, Dominic C | EVP, Chief Financial Officer | Direct | Buy | 7312025 | 31.11 | 600 | 18,666 | 150,386 | Form |
| 5 | Barry, Edward F | Chief Executive Officer | Direct | Buy | 6182025 | 27.78 | 1,204 | 33,447 | 4,164,028 | Form |
| # | Owner | Title | Holding | Action | Filing Date | Price | Shares | Transacted Value | Value of Held Shares | Form |
|---|---|---|---|---|---|---|---|---|---|---|
| 1 | Canuso, Dominic C | Direct | Sell | 11132025 | 27.95 | 3,400 | 95,030 | 40,080 | Form | |
| 2 | Levitt, Randall James | Montrose Lending Group, LLC | Sell | 8282025 | 34.37 | 37,338 | 1,283,307 | 2,062,200 | Form | |
| 3 | Levitt, Randall James | Montrose Lending Group, LLC | Sell | 8282025 | 34.41 | 2,662 | 91,599 | 3,349,401 | Form | |
| 4 | Canuso, Dominic C | EVP, Chief Financial Officer | Direct | Buy | 7312025 | 31.11 | 600 | 18,666 | 150,386 | Form |
| 5 | Barry, Edward F | Chief Executive Officer | Direct | Buy | 6182025 | 27.78 | 1,204 | 33,447 | 4,164,028 | Form |
| 6 | Suss, Eric M | EVP and CHRO | Direct | Buy | 6122025 | 32.85 | 169 | 5,552 | 1,948,761 | Form |
| 7 | Suss, Eric M | EVP and CHRO | Direct | Buy | 6122025 | 27.78 | 199 | 5,528 | 1,638,298 | Form |
| 8 | Poynot, Steven M | President and COO | IRA | Buy | 5162025 | 33.35 | 750 | 25,012 | 175,188 | Form |
Industry Resources
| Financials Resources |
| Federal Reserve Economic Data |
| Federal Reserve |
| FDIC Data |
| American Banker |
| The Banker |
| Banking Technology |
| Regional Banks Resources |
| Bank Director |
| Independent Banker |
| S&P Global Market Intelligence |
External Quote Links
| Y Finance | Barrons |
| TradingView | Morningstar |
| SeekingAlpha | ValueLine |
| Motley Fool | Robinhood |
| CNBC | Etrade |
| MarketWatch | Unusual Whales |
| YCharts | Perplexity Finance |
| FinViz |
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Core Cache Last Updated: 6/22/2026