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Capital Bancorp CBNK Q1 2025 earnings

Reported April 28, 2025 · Before market open

Revenue$58.6MBeat by $1.2M
EPS$0.88Beat by $0.21
Revenue estimate$57.4M
EPS estimate$0.67

Next report

Oct 26, 2026 (in 3 months)
Revenue estimate$69.2M
EPS estimate$0.91

Financials

Q1 2025

Income statement

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Revenue$58.6M+43.0%
Operating income-$903.0K+3.0%
Net income$13.9M+112%
EPS (diluted)$0.82+74.5%

Balance sheet

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Cash & equivalents$294.0M+245%
Total debt$5.5M+57.0%
Total equity$369.6M+42.4%
Total assets$3.3B+44.1%

Cash flow

See full
Operating cash flow$22.6M+762%
CapEx$194.0K+179%
Free cash flow$22.4M+712%

Valuation & ratios

Valuation

as of 03/31/25
See full
Market cap$471.81M+62.9%
Enterprise value$183.31M-11.8%
P/E12.3×+3.4×
P/S2.3×+0.6×

Profitability

See full
Operating margin-1.8%-0.5pp
Net margin18.8%-0.8pp
FCF margin28.9%+8.8pp

Returns & leverage

See full
Return on equity12.2%-1.0pp
Debt / equity0×0.0×

Segments

By product

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Credit card fees$3.7M-4.1%
Government loan servicing revenue$3.6M—
Mortgage banking revenue$1.8M+26.0%
Government lending revenue$1.1M—
Service charges on deposits$258.0K+24.6%

FAQ

When did Capital Bancorp report Q1 2025 earnings?
Capital Bancorp (CBNK) reported Q1 2025 earnings on April 28, 2025 before market open.
What were Capital Bancorp's Q1 2025 revenue and EPS?
Capital Bancorp reported revenue of $58.6M and eps of $0.88 for Q1 2025.
Did Capital Bancorp beat estimates in Q1 2025?
Revenue beat the consensus estimate of $57.4M by $1.2M. EPS beat the consensus estimate of $0.67 by $0.21.
Where can I find Capital Bancorp's Q1 2025 SEC filings?
You can read the 8-K earnings release (0001419536-25-000058) and the 10-Q periodic report (0001419536-25-000063) directly on SEC EDGAR. The filing index links above go to sec.gov.