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Capital Bancorp

CBNK

Capital Bancorp, Inc. is a bank holding company that operates primarily through Capital Bank, N.A., a commercial-focused community bank.

Market cap
$648.58M+29.2%
Revenue$253.9M+15.1%
Net income$56.4M+30.3%
EPS (diluted)$3.40+28.3%
Trailing twelve months · change vs. prior year

Earnings

Next report

Oct 26, 2026 (In 3 weeks)
Revenue estimate$69.0M
EPS estimate$0.91

Financials

Q2 2026

Income statement

See full
Revenue$65.3M+7.5%
Net income$14.3M+8.5%
EPS (diluted)$0.87+11.5%

Balance sheet

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Cash & equivalents$418.3M+52.3%
Total debt$7.8M+55.6%
Total equity$422.2M+11.1%
Total assets$3.9B+14.8%

Cash flow

See full
CapEx$552.0K+8.0%

Valuation & ratios

Valuation

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Market cap$648.58M+29.2%
Enterprise value$238.15M-25.7%
P/E11.5×+1.4×
P/S2.6×+0.4×

Profitability

See full
Net margin22.2%+2.6pp

Returns & leverage

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Return on equity14.1%+0.7pp
Debt / equity0×0.0×

Segments

By product

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Government loan servicing revenue$5.3M+45.5%
Credit card fees$4.4M+2.3%
Mortgage banking revenue$2.0M+11.7%
Government lending revenue$1.2M-61.2%
Service charges on deposits$409.0K+56.1%

Competitors

Profile

Capital Bancorp, Inc. is a bank holding company that operates primarily through Capital Bank, N.A., a commercial-focused community bank. The company provides relationship-driven banking services to businesses and entrepreneurs while leveraging a national banking charter to operate specialized consumer credit and mortgage platforms. Its value proposition centers on advice-based financial solutions and technology-enabled platforms for niche markets like under-banked populations and government-guaranteed loan servicing.

Competitive position

A niche-focused regional bank that differentiates through specialized national verticals in credit cards and SBA servicing while maintaining a strong community banking presence in the Mid-Atlantic.

GeographiesUnited States, Washington D.C. Metro, Maryland, North Carolina, Florida, Illinois
Customer segmentsSMEs, Under-banked Consumers, Financial Institutions, Non-profit Organizations
Business modelB2B Banking, B2C Consumer Lending, Fee-based Servicing, Marketplace Lending
SuppliersFederal Reserve System, Core Processing Systems, Secondary Mortgage Markets, Credit Bureaus
CustomersSmall Business Owners, Retail Mortgage Borrowers, Subprime Credit Card Users, Community Financial Institutions
Listed2018
Employees299.0
CEOEdward F. Barry
FilingsSEC EDGAR

FAQ

What is Capital Bancorp's market cap?
Capital Bancorp (CBNK) has a market capitalization of $648.6M and trades on NASDAQ.
What is Capital Bancorp's revenue and profitability?
Capital Bancorp generated $253.9M in trailing twelve-month revenue with net income of $56.4M, representing a net margin of 22.2%. The latest reported period is Q2 2026.
Who are Capital Bancorp's competitors?
Capital Bancorp's key competitors include JPMorgan Chase & Co., PNC Financial Services Group, Inc., Byline Bancorp, Inc. Common Stock, and others. These companies compete in similar markets and product categories.
Who does Capital Bancorp partner with?
Capital Bancorp's notable partners include SBA, USDA.
What subsidiaries does Capital Bancorp have?
Capital Bancorp's subsidiaries include Capital Bank, N.A., Windsor Advantage, West Town Bank & Trust, and others.
Where is Capital Bancorp headquartered?
Capital Bancorp is headquartered in United States of America and employs approximately 299 people. It has been publicly traded since 2018.