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Capital Bancorp CBNK Operating Lease Liability - Undiscounted Excess Amount

Operating Lease Liability - Undiscounted Excess Amount at other companies

BCB Bancorp logo
BCB BancorpBCBP
$959K-20.7%
Customers Bancorp logo
Customers BancorpCUBI
$6.22M-10.3%

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 us-gaap:LesseeOperatingLeaseLiabilityUndiscountedExcessAmount.

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
(in thousands)June 30, 2026June 30, 2026
20272,007
20281,863
20291,792
20301,431
2031 and thereafter777
Total future lease payments9,345
Discount of cash flows(1,513)
Present value of net future lease payments$$7,832

Item 1. CONSOLIDATED FINANCIAL STATEMENTS

FAQ

What is Capital Bancorp's operating lease liability - undiscounted excess amount?
Capital Bancorp (CBNK) reported operating lease liability - undiscounted excess amount of $1.51M in Q2 2026.
How has Capital Bancorp's operating lease liability - undiscounted excess amount changed year-over-year?
Capital Bancorp's operating lease liability - undiscounted excess amount increased by 131.3% year-over-year, from $654K to $1.51M.
What does operating lease liability - undiscounted excess amount mean?
This represents the difference between the total undiscounted future lease payments and the present value of those payments recorded on the balance sheet. It effectively quantifies the interest component embedded within operating lease obligations. It is a measure of the financing cost inherent in the lease portfolio.

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