What is Capital Bancorp's earnings per share (EPS)?

Capital Bancorp (CBNK) reported diluted earnings per share of $3.41 for fiscal year 2025. This represents a 60.8% change compared to the previous fiscal year. EPS represents the portion of a company's net income allocated to each outstanding share of common stock and is widely used to evaluate profitability on a per-share basis.

Capital Bancorp Financials

CBNK

Source SEC Filings (10-K/10-Q) Updated Dec 31, 2025 Currency USD FYE December

This page shows Capital Bancorp (CBNK) financial statements, including the income statement, balance sheet, cash flow statement, and key financial ratios. View 9 years of annual fundamentals and quarterly data, with year-over-year growth rates and compound annual growth rates (CAGR). All figures are derived from SEC filings (10-K and 10-Q reports).

Financial Health Signals

Piotroski F-Score Neutral

6/9

Capital Bancorp passes 6 of 9 financial strength tests. All 4 profitability signals pass (positive income, cash flow, and earnings quality), 1 of 2 leverage/liquidity signals pass, both operating efficiency signals pass.

Earnings Quality Cash-Backed

1.22x

For every $1 of reported earnings, Capital Bancorp generates $1.22 in operating cash flow ($69.7M OCF vs $57.2M net income). This indicates profits are well-supported by actual cash generation, not accounting adjustments.

Key Financial Metrics

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Earnings & Revenue

Revenue

$260.9M

YoY+22.3%

5Y CAGR+21.8%

Capital Bancorp generated $260.9M in revenue in fiscal year 2025. This represents an increase of 22.3% from the prior year.

EBITDA

N/A

Net Income

$57.2M

YoY+84.6%

5Y CAGR+17.2%

Capital Bancorp reported $57.2M in net income in fiscal year 2025. This represents an increase of 84.6% from the prior year.

EPS (Diluted)

$3.41

YoY+60.8%

5Y CAGR+12.8%

Capital Bancorp earned $3.41 per diluted share (EPS) in fiscal year 2025. This represents an increase of 60.8% from the prior year.

Cash & Balance Sheet

Free Cash Flow

N/A

Cash & Debt

$255.6M

YoY+24.5%

5Y CAGR+11.7%

Capital Bancorp held $255.6M in cash against $0 in long-term debt as of fiscal year 2025.

Dividends Per Share

$0.44

YoY+22.2%

Capital Bancorp paid $0.44 per share in dividends in fiscal year 2025. This represents an increase of 22.2% from the prior year.

Shares Outstanding

16M

YoY-1.7%

5Y CAGR+3.5%

Capital Bancorp had 16M shares outstanding in fiscal year 2025. This represents a decrease of 1.7% from the prior year.

Margins & Returns

Gross Margin

N/A

Operating Margin

N/A

Net Margin

21.9%

YoY+7.4pp

5Y CAGR-4.6pp

Capital Bancorp's net profit margin was 21.9% in fiscal year 2025, showing the share of revenue converted to profit. This is up 7.4 percentage points from the prior year.

Return on Equity

14.2%

YoY+5.5pp

5Y CAGR-2.0pp

Capital Bancorp's ROE was 14.2% in fiscal year 2025, measuring profit generated per dollar of shareholder equity. This is up 5.5 percentage points from the prior year.

Capital Allocation

R&D Spending

N/A

Share Buybacks

$11.7M

YoY+738.5%

5Y CAGR+25.8%

Capital Bancorp spent $11.7M on share buybacks in fiscal year 2025, returning capital to shareholders by reducing shares outstanding. This represents an increase of 738.5% from the prior year.

Capital Expenditures

N/A

CBNK Income Statement

Metric	FY25	FY24	FY23	FY22	FY21	FY20
Revenue	$260.9M+22.3%	$213.3M+16.4%	$183.2M+21.6%	$150.6M+22.2%	$123.2M+26.7%	$97.3M
Cost of Revenue	N/A	N/A	N/A	N/A	N/A	N/A
Gross Profit	N/A	N/A	N/A	N/A	N/A	N/A
R&D Expenses	N/A	N/A	N/A	N/A	N/A	N/A
SG&A Expenses	N/A	N/A	N/A	N/A	N/A	N/A
Operating Income	N/A	-$3.7M+19.5%	-$4.6M-3.2%	-$4.5M	N/A	N/A
Interest Expense	$64.9M+10.8%	$58.6M+40.5%	$41.7M+315.2%	$10.0M+53.3%	$6.5M-50.3%	$13.2M
Income Tax	$17.8M+63.7%	$10.9M+4.9%	$10.4M-16.7%	$12.4M-10.6%	$13.9M+49.2%	$9.3M
Net Income	$57.2M+84.6%	$31.0M-13.7%	$35.9M-14.2%	$41.8M+4.6%	$40.0M+54.8%	$25.8M
EPS (Diluted)	$3.41+60.8%	$2.12-16.9%	$2.55-12.4%	$2.91+2.5%	$2.84+51.9%	$1.87

Metric	Q4'25	Q3'25	Q2'25	Q1'25	Q4'24	Q3'24	Q2'24	Q1'24
Revenue	$68.6M+5.8%	$64.9M+0.5%	$64.6M+2.9%	$62.8M+1.7%	$61.7M+17.3%	$52.6M+3.9%	$50.6M+4.6%	$48.4M
Cost of Revenue	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Gross Profit	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
R&D Expenses	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
SG&A Expenses	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Operating Income	N/A	-$923K+1.1%	-$933K-3.3%	-$903K+9.1%	-$993K+1.5%	-$1.0M-28.9%	-$782K+16.0%	-$931K
Interest Expense	$18.4M+42.6%	$12.9M-24.0%	$16.9M+1.4%	$16.7M-3.8%	$17.4M+21.9%	$14.3M+5.1%	$13.6M+1.5%	$13.4M
Income Tax	$4.6M-3.3%	$4.8M+21.2%	$4.0M-9.2%	$4.4M+34.6%	$3.2M+14.7%	$2.8M+3.6%	$2.7M+32.3%	$2.1M
Net Income	$15.0M-0.2%	$15.1M+14.7%	$13.1M-5.7%	$13.9M+84.9%	$7.5M-13.1%	$8.7M+5.7%	$8.2M+25.0%	$6.6M
EPS (Diluted)	N/A	$0.89+14.1%	$0.78-4.9%	$0.82	N/A	$0.62+5.1%	$0.59+25.5%	$0.47

CBNK Balance Sheet

Metric	FY25	FY24	FY23	FY22	FY21	FY20
Total Assets	$3.6B+12.5%	$3.2B+44.1%	$2.2B+4.8%	$2.1B+3.3%	$2.1B+9.5%	$1.9B
Current Assets	N/A	N/A	N/A	N/A	N/A	N/A
Cash & Equivalents	$255.6M+24.5%	$205.3M+280.5%	$54.0M-32.9%	$80.4M-56.2%	$183.4M+24.8%	$146.9M
Inventory	N/A	N/A	N/A	N/A	N/A	N/A
Accounts Receivable	N/A	N/A	N/A	N/A	N/A	N/A
Goodwill	$26.0M+22.9%	$21.1M	$0	$0	N/A	N/A
Total Liabilities	$3.2B+12.4%	$2.9B+44.7%	$2.0B+3.8%	$1.9B+2.3%	$1.9B+8.2%	$1.7B
Current Liabilities	N/A	N/A	N/A	N/A	N/A	N/A
Long-Term Debt	N/A	N/A	N/A	N/A	N/A	N/A
Total Equity	$401.8M+13.1%	$355.1M+39.3%	$254.9M+13.8%	$224.0M+13.2%	$197.9M+24.2%	$159.3M
Retained Earnings	$292.7M+20.5%	$242.9M+13.8%	$213.3M+16.9%	$182.4M+26.2%	$144.5M+35.3%	$106.9M

Metric	Q4'25	Q3'25	Q2'25	Q1'25	Q4'24	Q3'24	Q2'24	Q1'24
Total Assets	$3.6B+6.4%	$3.4B0.0%	$3.4B+1.2%	$3.3B+4.5%	$3.2B+25.2%	$2.6B+5.0%	$2.4B+4.9%	$2.3B
Current Assets	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Cash & Equivalents	$255.6M+35.3%	$188.9M-31.2%	$274.6M-6.6%	$294.0M+43.2%	$205.3M+31.0%	$156.7M+14.8%	$136.5M+60.2%	$85.2M
Inventory	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Accounts Receivable	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Goodwill	$26.0M0.0%	$26.0M+15.5%	$22.5M-6.7%	$24.1M+14.0%	$21.1M	$0	$0	N/A
Total Liabilities	$3.2B+7.0%	$3.0B-0.5%	$3.0B+1.0%	$3.0B+4.5%	$2.9B+25.0%	$2.3B+5.1%	$2.2B+5.1%	$2.1B
Current Liabilities	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Long-Term Debt	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Total Equity	$401.8M+1.8%	$394.8M+3.9%	$380.0M+2.8%	$369.6M+4.1%	$355.1M+26.8%	$280.1M+4.6%	$267.9M+3.2%	$259.5M
Retained Earnings	$292.7M+6.8%	$274.0M+5.0%	$261.1M+4.5%	$249.9M+2.9%	$242.9M+4.2%	$233.0M+3.2%	$225.8M+3.2%	$218.7M

CBNK Cash Flow Statement

Metric	FY25	FY24	FY23	FY22	FY21	FY20
Operating Cash Flow	$69.7M+99.6%	$34.9M-26.3%	$47.4M-7.7%	$51.4M-61.1%	$132.1M+2320.3%	$5.5M
Capital Expenditures	N/A	N/A	N/A	N/A	N/A	N/A
Free Cash Flow	N/A	N/A	N/A	N/A	N/A	N/A
Investing Cash Flow	-$350.9M-30.0%	-$270.0M-106.3%	-$130.8M+34.1%	-$198.5M+16.7%	-$238.2M+38.2%	-$385.5M
Financing Cash Flow	$331.4M-14.2%	$386.4M+578.3%	$57.0M+29.2%	$44.1M-69.1%	$142.6M-65.4%	$412.1M
Dividends Paid	$7.3M+38.3%	$5.3M+34.6%	$3.9M+27.1%	$3.1M+123.2%	$1.4M	$0
Share Buybacks	$11.7M+738.5%	$1.4M-84.1%	$8.8M	$0	$0-100.0%	$3.7M

Metric	Q4'25	Q3'25	Q2'25	Q1'25	Q4'24	Q3'24	Q2'24	Q1'24
Operating Cash Flow	$18.5M-43.9%	$32.9M+880.9%	-$4.2M-118.7%	$22.6M-12.8%	$25.9M+5682.8%	-$464K-103.6%	$12.9M+478.0%	-$3.4M
Capital Expenditures	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Free Cash Flow	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Investing Cash Flow	-$141.4M-60.6%	-$88.1M-46.1%	-$60.3M+1.3%	-$61.1M+3.1%	-$63.1M+24.7%	-$83.7M-27.8%	-$65.5M-13.6%	-$57.6M
Financing Cash Flow	$189.7M+720.7%	-$30.6M-167.7%	$45.1M-64.5%	$127.2M+48.2%	$85.8M-17.8%	$104.4M+0.5%	$103.9M+12.6%	$92.3M
Dividends Paid	$2.0M-0.5%	$2.0M+20.1%	$1.7M-0.5%	$1.7M+0.5%	$1.7M+19.1%	$1.4M+25.1%	$1.1M-0.3%	$1.1M
Share Buybacks	$8.6M+2842.3%	-$312K-110.9%	$2.9M+364.2%	$618K	$0	$0	$0-100.0%	$1.4M

CBNK Financial Ratios

Metric	FY25	FY24	FY23	FY22	FY21	FY20
Gross Margin	N/A	N/A	N/A	N/A	N/A	N/A
Operating Margin	N/A	-1.7%+0.8pp	-2.5%+0.5pp	-3.0%	N/A	N/A
Net Margin	21.9%+7.4pp	14.5%-5.1pp	19.6%-8.2pp	27.8%-4.7pp	32.4%+5.9pp	26.6%
Return on Equity	14.2%+5.5pp	8.7%-5.3pp	14.1%-4.6pp	18.7%-1.5pp	20.2%+4.0pp	16.2%
Return on Assets	1.6%+0.6pp	1.0%-0.6pp	1.6%-0.4pp	2.0%+0.0pp	1.9%+0.6pp	1.4%
Current Ratio	N/A	N/A	N/A	N/A	N/A	N/A
Debt-to-Equity	7.98-0.1	8.03+0.3	7.73-0.7	8.48-0.9	9.39-1.4	10.78
FCF Margin	N/A	N/A	N/A	N/A	N/A	N/A

Metric	Q4'25	Q3'25	Q2'25	Q1'25	Q4'24	Q3'24	Q2'24	Q1'24
Gross Margin	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Operating Margin	N/A	-1.4%+0.0pp	-1.4%0.0pp	-1.4%+0.2pp	-1.6%+0.3pp	-1.9%-0.4pp	-1.5%+0.4pp	-1.9%
Net Margin	21.9%-1.3pp	23.2%+2.9pp	20.3%-1.9pp	22.2%+10.0pp	12.2%-4.3pp	16.5%+0.3pp	16.2%+2.6pp	13.6%
Return on Equity	3.7%-0.1pp	3.8%+0.4pp	3.5%-0.3pp	3.8%+1.6pp	2.1%-1.0pp	3.1%+0.0pp	3.1%+0.5pp	2.5%
Return on Assets	0.4%-0.0pp	0.4%+0.1pp	0.4%-0.0pp	0.4%+0.2pp	0.2%-0.1pp	0.3%0.0pp	0.3%+0.1pp	0.3%
Current Ratio	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Debt-to-Equity	7.98+0.4	7.59-0.3	7.92-0.1	8.06+0.0	8.03-0.1	8.14+0.0	8.10+0.1	7.96
FCF Margin	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A

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Frequently Asked Questions

What is Capital Bancorp's annual revenue?

Capital Bancorp (CBNK) reported $260.9M in total revenue for fiscal year 2025. This represents a 22.3% change compared to the previous fiscal year. Revenue measures the total income earned from the company's primary business operations before any expenses are deducted.

How fast is Capital Bancorp's revenue growing?

Capital Bancorp (CBNK) revenue grew by 22.3% year-over-year, from $213.3M to $260.9M in fiscal year 2025.

Is Capital Bancorp profitable?

Yes, Capital Bancorp (CBNK) reported a net income of $57.2M in fiscal year 2025, with a net profit margin of 21.9%.

What is Capital Bancorp's net profit margin?

Capital Bancorp (CBNK) had a net profit margin of 21.9% in fiscal year 2025, representing the share of revenue converted into profit after all expenses.

Does Capital Bancorp pay dividends?

Yes, Capital Bancorp (CBNK) paid $0.44 per share in dividends during fiscal year 2025.

What is Capital Bancorp's return on equity (ROE)?

Capital Bancorp (CBNK) has a return on equity of 14.2% for fiscal year 2025, measuring how efficiently the company generates profit from shareholder equity.

What is Capital Bancorp's operating cash flow?

Capital Bancorp (CBNK) generated $69.7M in operating cash flow during fiscal year 2025, representing cash generated from core business activities.

What are Capital Bancorp's total assets?

Capital Bancorp (CBNK) had $3.6B in total assets as of fiscal year 2025, including both current and long-term assets.

Does Capital Bancorp buy back shares?

Yes, Capital Bancorp (CBNK) spent $11.7M on share buybacks during fiscal year 2025, returning capital to shareholders by reducing shares outstanding.

How many shares does Capital Bancorp have outstanding?

Capital Bancorp (CBNK) had 16M shares outstanding as of fiscal year 2025.

What is Capital Bancorp's debt-to-equity ratio?

Capital Bancorp (CBNK) had a debt-to-equity ratio of 7.98 as of fiscal year 2025, measuring the company's financial leverage by comparing total debt to shareholder equity.

What is Capital Bancorp's return on assets (ROA)?

Capital Bancorp (CBNK) had a return on assets of 1.6% for fiscal year 2025, measuring how efficiently the company uses its assets to generate profit.

What is Capital Bancorp's Piotroski F-Score?

Capital Bancorp (CBNK) has a Piotroski F-Score of 6 out of 9, indicating neutral financial health. The F-Score evaluates nine binary signals across profitability (positive ROA, positive cash flow, improving ROA, earnings quality), leverage (decreasing debt, improving liquidity, no share dilution), and operating efficiency (improving gross margin, improving asset turnover). Scores of 7–9 indicate strong and improving fundamentals. Learn more in our complete guide to financial health indicators.

Are Capital Bancorp's earnings high quality?

Capital Bancorp (CBNK) has an earnings quality ratio of 1.22x, considered cash-backed (high quality). This ratio compares operating cash flow to net income. A ratio above 1.0x means the company generates more cash than its reported earnings, indicating sustainable, cash-backed profits. Ratios below 1.0x suggest earnings rely on accounting accruals rather than actual cash generation. Learn more in our complete guide to financial health indicators.