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Capital Bancorp CBNK Operating Income

Discontinued — last reported Q3 '25

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Other financials

Income statement

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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

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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$615.41M+17.7%
Enterprise value$204.98M-19.1%
P/E10.9×-1.2×
P/S2.4×+0.1×

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 us-gaap:OperatingIncomeLoss.

The source filing: Capital Bancorp’s 10-Q, filed November 10, 2025.

Filed
Nov 10, 2025
Fiscal quarter
Q3 FY2025
Calendar quarter
Q3 2025
Accession
0001419536-25-000111
(dollars in thousands, except per share data)Three Months Ended September 30, 2025Three Months Ended September 30, 2024Nine Months Ended September 30, 2025Nine Months Ended September 30, 2024
Loan processing1,1146152,8361,462
Foreclosed real estate expenses, net112
Merger-related expenses6975203,3611,315
Operational losses9231,0082,7592,721
Regulatory assessment expenses7404832,5131,384
Other operating2,8041,8297,6855,527
Total noninterest expenses38,35429,725115,97988,705
Income before income taxes19,86711,49955,26331,056

Item 1. CONSOLIDATED FINANCIAL STATEMENTS

FAQ

What is Capital Bancorp's operating income?
Capital Bancorp (CBNK) reported operating income of -$923K in Q3 2025.
How has Capital Bancorp's operating income changed year-over-year?
Capital Bancorp's operating income increased by 8.4% year-over-year, from -$1.01M to -$923K.
What is the long-term trend for Capital Bancorp's operating income?
Over 2 years (2022 to 2024), Capital Bancorp's operating income has grown at a -8.8% compound annual growth rate (CAGR), from -$4.47M to -$3.71M.
What does operating income mean?
Gross profit minus all operating expenses (SG&A, R&D, D&A). Measures the profit from core business operations before interest, taxes, and non-operating items.

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