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Capital Bancorp CBNK Data processing and equipment

Data processing and equipment at other companies

NB Bancorp, Inc. logo
NB Bancorp, Inc.NBBK
$4.9M+96.5%
BCB Bancorp logo
BCB BancorpBCBP
$1.97M-3.8%
Eagle Bancorp logo
Eagle BancorpEGBN
$4.26M-0.8%
Western New England Bancorp logo
Western New England BancorpWNEB
$961K+3.0%
Origin Bancorp logo
Origin BancorpOBK
$3.74M+8.9%
First Internet Bancorp logo
First Internet BancorpINBK
$774K+18.0%

Segments

By segment

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OpenSky™$6.98M+1.2%
Commercial Bank$452K-0.4%
Windsor Advantage™$67K-49.6%
CBHL$49K+36.1%

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:InformationTechnologyAndDataProcessing.

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
(dollars in thousands, except per share data)Three Months Ended June 30, 2026Three Months Ended June 30, 2025Six Months Ended June 30, 2026Six Months Ended June 30, 2025
Salaries and employee benefits20,06718,46040,38436,527
Occupancy and equipment3,9422,9957,5045,905
Professional fees4,1252,4229,0904,534
Data processing7,5517,52015,31814,632
Advertising1,8161,3713,2823,150
Loan processing1,4759792,8581,722
Merger-related expenses1,3982,664
Operational and other card fraud related losses6909331,3801,836

Item 1. CONSOLIDATED FINANCIAL STATEMENTS

FAQ

What is Capital Bancorp's data processing and equipment?
Capital Bancorp (CBNK) reported data processing and equipment of $7.55M in Q2 2026.
How has Capital Bancorp's data processing and equipment changed year-over-year?
Capital Bancorp's data processing and equipment increased by 0.4% year-over-year, from $7.52M to $7.55M.
What is the long-term trend for Capital Bancorp's data processing and equipment?
Over 4 years (2021 to 2025), Capital Bancorp's data processing and equipment has grown at a -6.7% compound annual growth rate (CAGR), from $39.24M to $29.79M.
What does data processing and equipment mean?
This metric represents the total costs incurred for maintaining information technology infrastructure, software licensing, and data processing services. It reflects the bank's investment in digital capabilities and operational automation necessary to support core banking functions and customer-facing platforms. Monitoring this expense helps assess the efficiency of the bank's technological backbone and its ability to scale digital services.

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