Capital Bancorp, Inc.
CBNKFinancial ServicesNASDAQBanks - Regional
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Daily timeframeCapital Bancorp, Inc. operates as the bank holding company for Capital Bank, N.A., provides various banking products and services to businesses, not-for-profit associations, and entrepreneurs in the United States. At a $521.1M market cap, Capital Bancorp, Inc. ranks as a small-cap company within financial services. It operates through four divisions: Commercial Banking, Capital Bank Home Loans, OpenSky, Windsor Advantage.
Market Cap
$521.1M
Beta
0.55
P/E (TTM)
9.64
P/E (Fwd)
8.56
EPS (TTM)
$3.32
EPS (Fwd)
$3.74
ROE
14.2%
ROA
1.5%
Cash
$405.6M
Total Debt
$59.8M
Free CF
—
52W Change
-1.0%
Annual Financials
Cash vs Debt
Capital Bancorp, Inc. holds $405.6M in cash against $59.8M in total debt, giving it a net cash position. This means the company could theoretically pay off all its debt and still have cash remaining. Return on equity stands at 14.2%, which is decent for the sector. ROE measures how effectively a company uses shareholder capital to generate profits. ROA of 1.5% is on the lower side, which is common in asset-heavy industries. Revenue has grown from $168.3M (2022) to $241.2M (2025), reflecting a 43% increase over the period.
The relatively low beta of 0.55 suggests CBNK is a less volatile holding compared to the broader index. With cash comfortably exceeding debt, CBNK has financial flexibility that may help navigate uncertain periods. These risk factors are not exhaustive — macroeconomic shifts, regulatory changes, and competitive dynamics can all influence Capital Bancorp, Inc.'s trajectory.