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Capital Bancorp CBNK Q3 2025 earnings

Reported October 27, 2025 · Before market open

Revenue$62.0MBeat by $909.7K
EPS$0.72Miss by $0.16
Revenue estimate$61.1M
EPS estimate$0.88

Next report

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

Financials

Q3 2025

Income statement

See full
Revenue$63.1M+40.2%
Operating income-$923.0K+8.4%
Net income$15.1M+73.7%
EPS (diluted)$0.89+43.5%

Balance sheet

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Cash & equivalents$188.9M+20.5%
Total debt$4.9M+12.1%
Total equity$394.8M+40.9%
Total assets$3.4B+32.4%

Cash flow

See full
Operating cash flow$32.9M—
CapEx$1.2M—
Free cash flow$31.7M+17,484%

Valuation & ratios

Valuation

as of 09/30/25
See full
Market cap$529.01M+47.9%
Enterprise value$345.03M+68.0%
P/E10.7×-0.4×
P/S2.2×+0.1×

Profitability

See full
Operating margin-1.6%-0.4pp
Net margin20.8%+1.8pp
FCF margin32.6%+23.6pp

Returns & leverage

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Return on equity14.7%+2.3pp
Debt / equity0×0.0×

Segments

By product

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Credit card fees$4.5M+11.2%
Government loan servicing revenue$4.3M—
Mortgage banking revenue$1.9M+2.4%
Service charges on deposits$425.0K+80.9%
Government lending revenue$14.0K—

FAQ

When did Capital Bancorp report Q3 2025 earnings?
Capital Bancorp (CBNK) reported Q3 2025 earnings on October 27, 2025 before market open.
What were Capital Bancorp's Q3 2025 revenue and EPS?
Capital Bancorp reported revenue of $62.0M and eps of $0.72 for Q3 2025.
Did Capital Bancorp beat estimates in Q3 2025?
Revenue beat the consensus estimate of $61.1M by $909.7K. EPS missed the consensus estimate of $0.88 by $0.16.
How did Capital Bancorp's Q3 2025 results compare year-over-year?
Compared to the same quarter a year prior, revenue grew 37.8% from $45.0M a year earlier and eps grew 9.1% from $0.66.
Where can I find Capital Bancorp's Q3 2025 SEC filings?
You can read the 8-K earnings release (0001419536-25-000099) and the 10-Q periodic report (0001419536-25-000111) directly on SEC EDGAR. The filing index links above go to sec.gov.