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Capital Bancorp CBNK OpenSky™ — Loan servicing rights (government guaranteed)

Other segment segments

Commercial Bank
$292K+149%
CBHL
$0
Windsor Advantage™
$0

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Other financials

Income statement

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Revenue$65.3M+7.5%
Operating income-$923.0K+8.4%
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

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Operating cash flow$21.8M-3.6%
CapEx$552.0K+8.0%
Free cash flow$21.1M-5.6%

Valuation

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Market cap$607.8M+16.3%
Enterprise value$197.37M-22.1%
P/E10.8×-1.3×
P/S2.4×0.0×

Profitability

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Operating margin-1.6%-0.4pp
Net margin22.2%+2.6pp
FCF margin28.4%-0.5pp

Returns & leverage

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Return on equity14.1%+0.7pp
Debt / equity0.0×

Where this comes from

Reported directly by Capital Bancorp in its filing.

Tagged under the XBRL concept cbnk:NoninterestIncomeServicingAsset.

The source filing: Capital Bancorp’s 10-Q, filed August 7, 2026.

Filed
Aug 7, 2026, 3:21 PM EDT
Fiscal quarter
Q2 FY2026
Calendar quarter
Q2 2026
Accession
0001419536-26-000112
For the Three Months Ended June 30, 2026 / (in thousands)For the Three Months Ended June 30, 2026 / Commercial Bank(2)(3)For the Three Months Ended June 30, 2026 / Open Sky™Windsor Advantage™CBHLConsolidated
Mortgage banking revenue2781,6821,960
Government lending revenue1,2071,207
Government loan servicing revenue(1)(1,256)6,5595,303
Loan servicing rights (government guaranteed)292292
Other (loss) income61830147795
Total noninterest income1,5484,4256,5591,82914,361
Noninterest expenses
Salaries and employee benefits12,0483,7922,6251,60220,067

Item 1. CONSOLIDATED FINANCIAL STATEMENTS

FAQ

What is Capital Bancorp's opensky™ — loan servicing rights (government guaranteed)?
Capital Bancorp (CBNK) reported opensky™ — loan servicing rights (government guaranteed) of $0 in Q2 2026.
What does opensky™ — loan servicing rights (government guaranteed) mean?
This represents the capitalized value of rights to service government-guaranteed loans within the OpenSky segment. It reflects the long-term value of fee-based income streams generated from managing these specific loan portfolios on behalf of investors.

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