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Capital Bancorp CBNK Q4 2025 Annual earnings

Reported January 26, 2026 · Before market open

Revenue$62.7MBeat by $1.7M
EPS$0.91Beat by $0.12
Revenue estimate$61.1M
EPS estimate$0.79

Next report

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

Financials

Q4 2025

Income statement

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Revenue$62.7M+11.6%
Net income$15.0M+99.6%
EPS (diluted)$0.91+112%

Balance sheet

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Cash & equivalents$255.6M+24.5%
Total debt$4.6M-22.1%
Total equity$401.8M+13.1%
Total assets$3.6B+12.5%

Cash flow

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Operating cash flow$18.5M-28.8%
CapEx$421.0K-79.1%
Free cash flow$18.0M-24.5%

Valuation & ratios

Valuation

as of 12/31/25
See full
Market cap$465.39M-1.4%
Enterprise value$214.4M-21.3%
P/E8.1×-7.1×
P/S1.9×-0.6×

Profitability

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Net margin23.3%+6.7pp
FCF margin29.4%+11.8pp

Returns & leverage

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Return on equity15.1%+5.0pp
Debt / equity0×0.0×

Segments

By product

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Credit card fees$4.8M+29.6%
Government loan servicing revenue$4.0M+1.1%
Mortgage banking revenue$2.0M+7.6%
Service charges on deposits$371.0K+53.9%
Government lending revenue--100%

FAQ

When did Capital Bancorp report Q4 2025 earnings?
Capital Bancorp (CBNK) reported Q4 2025 earnings on January 26, 2026 before market open.
What were Capital Bancorp's Q4 2025 revenue and EPS?
Capital Bancorp reported revenue of $62.7M and eps of $0.91 for Q4 2025.
Did Capital Bancorp beat estimates in Q4 2025?
Revenue beat the consensus estimate of $61.1M by $1.7M. EPS beat the consensus estimate of $0.79 by $0.12.
How did Capital Bancorp's Q4 2025 results compare year-over-year?
Compared to the same quarter a year prior, revenue declined 11.9% from $71.2M a year earlier and eps grew 102.1% from $0.45.
Where can I find Capital Bancorp's Q4 2025 SEC filings?
You can read the 8-K earnings release (0001419536-26-000006) and the 10-K periodic report (0001419536-26-000073) directly on SEC EDGAR. The filing index links above go to sec.gov.