NASDAQ : CBNK
Capital Bancorp, Inc. — Financial statements
Financials · Banks - Regional · United States
Last price 41.97 USD (Oct 29, 2026, 4:00 PM EDT) · Market cap 685.31M
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Financial statements
Income statement
Fiscal year January - December; amounts in USD.
| TTM | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 | |
|---|---|---|---|---|---|---|
| Interest Income on Loans | 262.62M | 245.27M | 202.91M | 174.76M | 144.41M | 120.78M |
| Interest Income on Investments | 16.24M | 15.60M | 10.39M | 8.45M | 6.24M | 2.46M |
| Total Interest Income | 278.86M | 260.87M | 213.30M | 183.21M | 150.65M | 123.24M |
| Interest Paid on Deposits | 73.36M | 63.77M | 56.17M | 39.62M | 7.61M | 5.81M |
| Interest Paid on Borrowings | 1.81M | 1.11M | 2.38M | 2.06M | 2.43M | 742.00K |
| Total Interest Expense | 75.17M | 64.88M | 58.55M | 41.68M | 10.04M | 6.55M |
| Net Interest Income | 203.68M | 195.99M | 154.75M | 141.53M | 140.61M | 116.69M |
| Mortgage Banking Activities | 7.33M | 7.47M | 7.15M | 4.90M | 4.87M | 20.84M |
| Gain (Loss) on Sale of Investments | 153.00K | |||||
| Other Non-Interest Income | 27.87M | 23.03M | 10.00M | 1.84M | 1.77M | 1.15M |
| Total Non-Interest Income | 55.24M | 49.19M | 34.03M | 24.98M | 29.37M | 50.64M |
| Revenues Before Loan Losses | 258.92M | 245.18M | 188.78M | 166.50M | 169.98M | 167.33M |
| Provision for Loan Losses | 15.68M | 15.15M | 18.11M | 9.51M | 6.63M | 3.36M |
| Revenue | 243.24M | 230.03M | 170.67M | 156.99M | 163.35M | 163.97M |
| Salaries and Employee Benefits | 75.69M | 68.45M | 53.11M | 46.30M | 40.48M | 35.98M |
| Occupancy Expenses | 12.29M | 9.39M | 6.74M | 4.37M | 3.56M | 3.13M |
| Selling, General & Administrative | 60.80M | 52.73M | 46.32M | 44.87M | 50.37M | 54.10M |
| Other Non-Interest Expense | 21.34M | 21.15M | 16.11M | 15.22M | 14.88M | 16.52M |
| Total Non-Interest Expense | 170.12M | 151.72M | 122.29M | 110.77M | 109.11M | 110.09M |
| EBT Excluding Unusual Items | 73.13M | 78.31M | 48.38M | 46.23M | 54.23M | 53.88M |
| Other Unusual Items | -2.62M | |||||
| Pretax Income | 71.55M | 74.94M | 41.83M | 46.23M | 54.23M | 53.88M |
| Income Tax Expense | 17.12M | 17.77M | 10.86M | 10.35M | 12.43M | 13.90M |
| Net Income | 54.43M | 57.17M | 30.97M | 35.87M | 41.80M | 39.98M |
| Net Income to Common | 54.43M | 57.17M | 30.97M | 35.87M | 41.80M | 39.98M |
| Basic Shares Outstanding | 16.36M | 16.58M | 14.58M | 14.00M | 14.02M | 13.80M |
| Diluted Shares Outstanding | 16.46M | 16.77M | 14.64M | 14.08M | 14.36M | 14.08M |
| EPS (Basic) | 3.33 | 3.45 | 2.12 | 2.56 | 2.98 | 2.90 |
| EPS (Diluted) | 3.31 | 3.41 | 2.12 | 2.55 | 2.91 | 2.84 |
| Dividend Per Share | 0.50 | 0.44 | 0.36 | 0.30 | 0.23 | 0.15 |
| Effective Tax Rate | 23.93% | 23.72% | 25.96% | 22.40% | 22.92% | 25.80% |
Balance sheet
Fiscal year January - December; amounts in USD.
| TTM | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 | |
|---|---|---|---|---|---|---|
| Cash & Equivalents | 262.03M | 255.56M | 205.33M | 53.96M | 80.42M | 183.40M |
| Investment Securities | 214.49M | 159.56M | 146.35M | 170.06M | 219.77M | 156.79M |
| Mortgage-Backed Securities | 70.52M | 77.28M | 38.27M | 32.71M | 27.91M | |
| Total Investments | 214.49M | 230.08M | 223.63M | 208.33M | 252.48M | 184.70M |
| Gross Loans | 3.12B | 2.97B | 2.64B | 1.91B | 1.74B | 1.64B |
| Allowance for Loan Losses | -55.49M | -54.66M | -48.65M | -28.61M | -26.39M | -25.18M |
| Other Adjustments to Gross Loans | -4.42M | -5.61M | -7.07M | -7.64M | -8.63M | -7.22M |
| Net Loans | 3.06B | 2.90B | 2.58B | 1.87B | 1.70B | 1.61B |
| Property, Plant & Equipment | 17.53M | 15.07M | 15.53M | 5.07M | 3.39M | 3.28M |
| Goodwill | 25.97M | 25.97M | 21.13M | |||
| Other Intangible Assets | 13.99M | 14.77M | 15.82M | |||
| Loans Held for Sale | 74.25M | 25.83M | 17.06M | 7.48M | 7.42M | 15.99M |
| Accrued Interest Receivable | 23.19M | 16.70M | 16.66M | 11.49M | 9.49M | 7.90M |
| Long-Term Deferred Tax Assets | 18.21M | 14.99M | 16.67M | 12.25M | 13.78M | 9.79M |
| Other Real Estate Owned & Foreclosed | 3.86M | 86.00K | ||||
| Other Long-Term Assets | 94.13M | 98.58M | 93.57M | 52.91M | 52.32M | 43.07M |
| Total Assets | 3.80B | 3.61B | 3.21B | 2.23B | 2.12B | 2.06B |
| Interest Bearing Deposits | 2.47B | 2.06B | 1.70B | 1.15B | 987.47M | 900.66M |
| Institutional Deposits | 177.31M | 250.80M | 124.70M | 96.29M | 108.83M | |
| Non-Interest Bearing Deposits | 844.54M | 852.74M | 810.93M | 617.37M | 674.31M | 787.65M |
| Total Deposits | 3.32B | 3.09B | 2.76B | 1.90B | 1.76B | 1.80B |
| Short-Term Borrowings | 15.00M | 85.00M | ||||
| Current Portion of Long-Term Debt | 50.00M | 22.00M | ||||
| Current Portion of Leases | 1.97M | |||||
| Accrued Interest Payable | 6.84M | 8.74M | 9.39M | 5.58M | 1.03M | 473.00K |
| Long-Term Debt | 10.00M | 10.00M | 10.00M | 10.00M | ||
| Federal Home Loan Bank Debt, Long-Term | 22.00M | 22.00M | 22.00M | |||
| Long-Term Leases | 2.60M | 5.87M | 3.79M | 2.36M | ||
| Trust Preferred Securities | 2.06M | 2.06M | 2.06M | 2.06M | 2.06M | 2.06M |
| Other Long-Term Liabilities | 43.06M | 45.87M | 40.51M | 16.88M | 19.12M | 25.73M |
| Total Liabilities | 3.37B | 3.20B | 2.85B | 1.97B | 1.90B | 1.86B |
| Common Stock | 163.00K | 164.00K | 167.00K | 139.00K | 141.00K | 140.00K |
| Additional Paid-In Capital | 114.56M | 114.60M | 123.57M | 54.47M | 58.19M | 54.31M |
| Retained Earnings | 325.94M | 292.75M | 242.88M | 213.34M | 182.44M | 144.53M |
| Comprehensive Income & Other | -9.21M | -5.76M | -11.47M | -13.10M | -16.75M | -1.08M |
| Shareholders' Equity | 431.45M | 401.76M | 355.14M | 254.86M | 224.01M | 197.90M |
| Total Liabilities & Equity | 3.80B | 3.61B | 3.21B | 2.23B | 2.12B | 2.06B |
| Total Debt | 2.06M | 56.63M | 39.93M | 52.85M | 121.42M | 34.06M |
| Net Cash (Debt) | 259.97M | 198.93M | 165.40M | 1.11M | -41.01M | 149.33M |
| Net Cash Per Share | 15.80 | 11.86 | 11.30 | 0.08 | -2.86 | 10.60 |
| Filing Date Shares Outstanding | 16.33M | 16.37M | 16.65M | 13.90M | 14.15M | 14.00M |
| Total Common Shares Outstanding | 16.33M | 16.37M | 16.66M | 13.92M | 14.14M | 13.96M |
| Book Value Per Share | 26.42 | 24.54 | 21.31 | 18.31 | 15.84 | 14.17 |
| Tangible Book Value | 391.49M | 361.02M | 318.20M | 254.86M | 224.01M | 197.90M |
| Tangible Book Value Per Share | 23.98 | 22.05 | 19.10 | 18.31 | 15.84 | 14.17 |
Cash flow statement
Fiscal year January - December; amounts in USD.
| TTM | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 | |
|---|---|---|---|---|---|---|
| Net Income | 57.17M | 30.97M | 35.87M | 41.80M | 39.98M | |
| Depreciation & Amortization | 3.87M | 2.21M | 473.00K | 1.43M | 1.21M | |
| Gain (Loss) on Sale of Assets | -6.00K | 47.00K | ||||
| Gain (Loss) on Sale of Investments | -150.00K | 100.00K | 196.00K | 549.00K | 440.00K | |
| Provision for Credit Losses | 15.23M | 18.04M | 9.32M | 6.59M | 3.32M | |
| Net Decrease (Increase) in Loans Originated / Sold - Operating | -2.89M | -12.48M | -71.00K | 8.57M | 90.92M | |
| Accrued Interest Receivable | -31.00K | -762.00K | -2.00M | -1.59M | 233.00K | |
| Change in Income Taxes | -3.02M | 3.36M | 179.00K | -282.00K | ||
| Change in Other Net Operating Assets | 1.19M | -3.54M | -2.51M | -8.87M | -4.43M | |
| Other Operating Activities | -4.66M | -8.46M | -1.04M | 222.00K | -2.43M | |
| Operating Cash Flow | 69.72M | 34.93M | 47.42M | 51.39M | 132.08M | |
| Capital Expenditures | -2.37M | -2.16M | -2.16M | -1.55M | -24.00K | |
| Cash Acquisitions | 65.17M | |||||
| Investment in Securities | 1.23M | -12.19M | 49.03M | -89.23M | -89.26M | |
| Net Decrease (Increase) in Loans Originated / Sold - Investing | -345.82M | -320.65M | -180.72M | -103.92M | -117.36M | |
| Other Investing Activities | -3.92M | -126.00K | 3.01M | -3.76M | -31.59M | |
| Investing Cash Flow | -350.88M | -269.95M | -130.84M | -198.46M | -238.23M | |
| Long-Term Debt Issued | 28.00M | 15.00M | 85.00M | |||
| Total Debt Issued | 28.00M | 15.00M | 85.00M | |||
| Long-Term Debt Repaid | -10.00M | -15.00M | -85.00M | -1.95M | ||
| Total Debt Repaid | -10.00M | -15.00M | -85.00M | -1.95M | ||
| Net Debt Issued (Repaid) | 18.00M | -15.00M | -70.00M | 85.00M | -1.95M | |
| Issuance of Common Stock | 1.16M | 1.08M | 1.79M | 1.24M | 967.00K | |
| Repurchase of Common Stock | -11.73M | -1.40M | -8.83M | |||
| Common Dividends Paid | -7.30M | -5.28M | -3.92M | -3.08M | -1.38M | |
| Net Increase (Decrease) in Deposit Accounts | 331.26M | 406.99M | 137.92M | -39.06M | 145.01M | |
| Financing Cash Flow | 331.39M | 386.39M | 56.97M | 44.09M | 142.64M | |
| Net Cash Flow | 50.23M | 151.37M | -26.45M | -102.98M | 36.48M | |
| Free Cash Flow | 67.35M | 32.77M | 45.26M | 49.84M | 132.05M | |
| Free Cash Flow Margin | 29.28% | 19.20% | 28.83% | 30.51% | 80.53% | |
| Free Cash Flow Per Share | 4.02 | 2.24 | 3.21 | 3.47 | 9.38 | |
| Cash Interest Paid | 65.53M | 54.74M | 37.13M | 9.48M | 7.21M | |
| Cash Income Tax Paid | 18.75M | 9.10M | 7.70M | 11.73M | 15.92M |
Ratios
Fiscal year January - December; amounts in USD.
| TTM | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 | |
|---|---|---|---|---|---|---|
| Market Capitalization | 681.23M | 465.39M | 471.89M | 336.24M | 330.92M | 363.35M |
| Last Close Price | 41.72 | 27.86 | 27.78 | 23.22 | 22.26 | 24.54 |
| PE Ratio | 12.60 | 8.14 | 15.24 | 9.37 | 7.92 | 9.09 |
| PS Ratio | 2.80 | 2.02 | 2.77 | 2.14 | 2.03 | 2.22 |
| PB Ratio | 1.58 | 1.16 | 1.33 | 1.32 | 1.48 | 1.84 |
| P/FCF Ratio | 10.44 | 6.91 | 14.40 | 7.43 | 6.64 | 2.75 |
| P/OCF Ratio | 10.00 | 6.67 | 13.51 | 7.09 | 6.44 | 2.75 |
| Debt / Equity Ratio | 0.01 | 0.14 | 0.11 | 0.21 | 0.54 | 0.17 |
| Debt / FCF Ratio | 0.84 | 1.22 | 1.17 | 2.44 | 0.26 | |
| Net Debt / Equity Ratio | -0.60 | -0.49 | -0.47 | -0.00 | 0.18 | -0.76 |
| Net Debt / FCF Ratio | -2.95 | -5.05 | -0.03 | 0.82 | -1.13 | |
| Return on Equity (ROE) | 13.18% | 15.11% | 10.15% | 14.98% | 19.82% | 22.38% |
| Return on Assets (ROA) | 1.51% | 1.68% | 1.14% | 1.65% | 2.00% | 2.03% |
| Earnings Yield | 7.94% | 12.28% | 6.56% | 10.67% | 12.63% | 11.00% |
| FCF Yield | 9.58% | 14.47% | 6.94% | 13.46% | 15.06% | 36.34% |
| Dividend Yield | 1.34% | 1.55% | 1.27% | 1.24% | 0.98% | 0.58% |
| Payout Ratio | 15.70% | 12.76% | 17.03% | 10.93% | 7.38% | 3.46% |
| Buyback Yield / Dilution | 2.36% | -14.53% | -3.97% | 1.96% | -1.99% | -2.04% |
| Total Shareholder Return | 3.70% | -12.98% | -2.70% | 3.20% | -1.01% | -1.46% |