Capital Bancorp Financials

CBNK

Key Financial Metrics

Revenue

$213.3M

YoY+16.4%

5Y CAGR+21.0%

Capital Bancorp generated $213.3M in revenue in fiscal year 2024. This represents an increase of 16.4% from the prior year.

EBITDA

N/A

Free Cash Flow

N/A

Net Income

$31.0M

YoY-13.7%

5Y CAGR+12.9%

Capital Bancorp reported $31.0M in net income in fiscal year 2024. This represents a decrease of 13.7% from the prior year.

EPS (Diluted)

$2.12

YoY-16.9%

5Y CAGR+11.9%

Capital Bancorp earned $2.12 per diluted share in fiscal year 2024. This represents a decrease of 16.9% from the prior year.

Cash & Debt

N/A

Dividends Per Share

$0.36

YoY+28.6%

Capital Bancorp paid $0.36 per share in dividends in fiscal year 2024. This represents an increase of 28.6% from the prior year.

Shares Outstanding

17M

YoY+19.7%

5Y CAGR+3.7%

Capital Bancorp had 17M shares outstanding in fiscal year 2024. This represents an increase of 19.7% from the prior year.

Gross Margin

N/A

Operating Margin

-1.7%

YoY+0.8pp

Capital Bancorp's operating margin was -1.7% in fiscal year 2024, reflecting core business profitability. This is up 0.8 percentage points from the prior year.

Net Margin

14.5%

YoY-5.1pp

5Y CAGR-6.0pp

Capital Bancorp's net profit margin was 14.5% in fiscal year 2024, showing the share of revenue converted to profit. This is down 5.1 percentage points from the prior year.

Return on Equity

8.7%

YoY-5.3pp

5Y CAGR-4.0pp

Capital Bancorp's return on equity was 8.7% in fiscal year 2024, measuring profit generated per dollar of shareholder equity. This is down 5.3 percentage points from the prior year.

R&D Spending

N/A

Share Buybacks

$1.4M

YoY-84.1%

5Y CAGR+30.4%

Capital Bancorp spent $1.4M on share buybacks in fiscal year 2024, returning capital to shareholders by reducing shares outstanding. This represents a decrease of 84.1% from the prior year.

Capital Expenditures

N/A

CBNK Income Statement

Metric	FY24	FY24	FY23	FY22	FY21	FY20
Revenue	$213.3M+16.4%	$183.2M+21.6%	$150.6M+22.2%	$123.2M+26.7%	$97.3M+18.3%	$82.2M
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	-$3.7M+19.5%	-$4.6M-3.2%	-$4.5M	N/A	N/A	N/A
Interest Expense	$58.6M+40.5%	$41.7M+315.2%	$10.0M+53.3%	$6.5M-50.3%	$13.2M-16.8%	$15.8M
Income Tax	$10.9M+4.9%	$10.4M-16.7%	$12.4M-10.6%	$13.9M+49.2%	$9.3M+60.1%	$5.8M
Net Income	$31.0M-13.7%	$35.9M-14.2%	$41.8M+4.6%	$40.0M+54.8%	$25.8M+52.8%	$16.9M
EPS (Diluted)	$2.12-16.9%	$2.55-12.4%	$2.91+2.5%	$2.84+51.9%	$1.87+54.5%	$1.21

Metric	Q3'25	Q2'25	Q1'25	Q3'25	Q3'25	Q2'25	Q1'25	Q4'24
Revenue	$64.9M+0.5%	$64.6M+2.9%	$62.8M	N/A	$52.6M+3.9%	$50.6M+4.6%	$48.4M	N/A
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	-$923K+1.1%	-$933K-3.3%	-$903K	N/A	-$1.0M-28.9%	-$782K+16.0%	-$931K	N/A
Interest Expense	$12.9M-24.0%	$16.9M+1.4%	$16.7M	N/A	$14.3M+5.1%	$13.6M+1.5%	$13.4M	N/A
Income Tax	$4.8M+21.2%	$4.0M-9.2%	$4.4M	N/A	$2.8M+3.6%	$2.7M+32.3%	$2.1M	N/A
Net Income	$15.1M+14.7%	$13.1M-5.7%	$13.9M	N/A	$8.7M+5.7%	$8.2M+25.0%	$6.6M	N/A
EPS (Diluted)	$0.89+14.1%	$0.78-4.9%	$0.82	N/A	$0.62+5.1%	$0.59+25.5%	$0.47	N/A

CBNK Balance Sheet

Metric	FY24	FY24	FY23	FY22	FY21	FY20
Total Assets	$3.2B+44.1%	$2.2B+4.8%	$2.1B+3.3%	$2.1B+9.5%	$1.9B+31.5%	$1.4B
Current Assets	N/A	N/A	N/A	N/A	N/A	N/A
Cash & Equivalents	N/A	N/A	N/A	N/A	N/A	N/A
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	$21.1M	$0	$0	N/A	N/A	N/A
Total Liabilities	$2.9B+44.7%	$2.0B+3.8%	$1.9B+2.3%	$1.9B+8.2%	$1.7B+32.7%	$1.3B
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	$355.1M+39.3%	$254.9M+13.8%	$224.0M+13.2%	$197.9M+24.2%	$159.3M+19.5%	$133.3M
Retained Earnings	$237.8M+11.5%	$213.3M+16.9%	$182.4M+26.2%	$144.5M+35.3%	$106.9M+30.9%	$81.6M

Metric	Q3'25	Q2'25	Q1'25	Q3'25	Q3'25	Q2'25	Q1'25	Q4'24
Total Assets	$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+4.4%	$2.2B
Current Assets	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Cash & Equivalents	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
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	$26.0M+15.5%	$22.5M-6.7%	$24.1M+14.0%	$21.1M	$0	$0	N/A	$0
Total Liabilities	$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+4.7%	$2.0B
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	$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+1.8%	$254.9M
Retained Earnings	$274.0M+5.0%	$261.1M+4.5%	$249.9M+5.1%	$237.8M+2.1%	$233.0M+3.2%	$225.8M+3.2%	$218.7M+2.5%	$213.3M

CBNK Cash Flow Statement

Metric	FY24	FY24	FY23	FY22	FY21	FY20
Operating Cash Flow	$34.9M-26.3%	$47.4M-7.7%	$51.4M-61.1%	$132.1M+2320.3%	$5.5M+120.1%	-$27.2M
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	-$270.0M-106.3%	-$130.8M+34.1%	-$198.5M+16.7%	-$238.2M+38.2%	-$385.5M-105.1%	-$188.0M
Financing Cash Flow	$386.4M+578.3%	$57.0M+29.2%	$44.1M-69.1%	$142.6M-65.4%	$412.1M+39.6%	$295.3M
Dividends Paid	$5.3M+34.6%	$3.9M+27.1%	$3.1M+123.2%	$1.4M	$0	N/A
Share Buybacks	$1.4M-84.1%	$8.8M	$0	$0-100.0%	$3.7M+902.7%	$371K

Metric	Q3'25	Q2'25	Q1'25	Q3'25	Q3'25	Q2'25	Q1'25	Q4'24
Operating Cash Flow	N/A	N/A	$22.6M	N/A	N/A	N/A	-$3.4M	N/A
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	N/A	N/A	-$61.1M	N/A	N/A	N/A	-$57.6M	N/A
Financing Cash Flow	N/A	N/A	$127.2M	N/A	N/A	N/A	$92.3M	N/A
Dividends Paid	N/A	N/A	$1.7M	N/A	N/A	N/A	$1.1M	N/A
Share Buybacks	N/A	N/A	$618K	N/A	N/A	N/A	$1.4M	N/A

CBNK Financial Ratios

Metric	FY24	FY24	FY23	FY22	FY21	FY20
Gross Margin	N/A	N/A	N/A	N/A	N/A	N/A
Operating Margin	-1.7%+0.8pp	-2.5%+0.5pp	-3.0%	N/A	N/A	N/A
Net Margin	14.5%-5.1pp	19.6%-8.2pp	27.8%-4.7pp	32.4%+5.9pp	26.6%+6.0pp	20.6%
Return on Equity	8.7%-5.3pp	14.1%-4.6pp	18.7%-1.5pp	20.2%+4.0pp	16.2%+3.5pp	12.7%
Return on Assets	1.0%-0.6pp	1.6%-0.4pp	2.0%+0.0pp	1.9%+0.6pp	1.4%+0.2pp	1.2%
Current Ratio	N/A	N/A	N/A	N/A	N/A	N/A
Debt-to-Equity	8.03+0.3	7.73-0.7	8.48-0.9	9.39-1.4	10.78+1.1	9.71
FCF Margin	N/A	N/A	N/A	N/A	N/A	N/A

Metric	Q3'25	Q2'25	Q1'25	Q3'25	Q3'25	Q2'25	Q1'25	Q4'24
Gross Margin	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Operating Margin	-1.4%+0.0pp	-1.4%0.0pp	-1.4%	N/A	-1.9%-0.4pp	-1.5%+0.4pp	-1.9%	N/A
Net Margin	23.2%+2.9pp	20.3%-1.9pp	22.2%	N/A	16.5%+0.3pp	16.2%+2.6pp	13.6%	N/A
Return on Equity	3.8%+0.4pp	3.5%-0.3pp	3.8%	N/A	3.1%+0.0pp	3.1%+0.5pp	2.5%	N/A
Return on Assets	0.4%+0.1pp	0.4%-0.0pp	0.4%	N/A	0.3%0.0pp	0.3%+0.1pp	0.3%	N/A
Current Ratio	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Debt-to-Equity	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+0.2	7.73
FCF Margin	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A

Frequently Asked Questions

What is Capital Bancorp's annual revenue?

Capital Bancorp (CBNK) reported $213.3M in revenue for fiscal year 2024.

How fast is Capital Bancorp's revenue growing?

Capital Bancorp (CBNK) revenue grew by 16.4% year-over-year, from $183.2M to $213.3M in fiscal year 2024.

Is Capital Bancorp profitable?

Yes, Capital Bancorp (CBNK) reported a net income of $31.0M in fiscal year 2024, with a net profit margin of 14.5%.

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

Capital Bancorp (CBNK) reported diluted earnings per share of $2.12 for fiscal year 2024.

What is Capital Bancorp's operating margin?

Capital Bancorp (CBNK) had an operating margin of -1.7% in fiscal year 2024, reflecting the profitability of core business operations before interest and taxes.

What is Capital Bancorp's net profit margin?

Capital Bancorp (CBNK) had a net profit margin of 14.5% in fiscal year 2024, representing the share of revenue converted into profit after all expenses.

Does Capital Bancorp pay dividends?

Yes, Capital Bancorp (CBNK) paid $0.36 per share in dividends during fiscal year 2024.

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

Capital Bancorp (CBNK) has a return on equity of 8.7% for fiscal year 2024, measuring how efficiently the company generates profit from shareholder equity.

What is Capital Bancorp's operating cash flow?

Capital Bancorp (CBNK) generated $34.9M in operating cash flow during fiscal year 2024, representing cash generated from core business activities.

What are Capital Bancorp's total assets?

Capital Bancorp (CBNK) had $3.2B in total assets as of fiscal year 2024, including both current and long-term assets.

Does Capital Bancorp buy back shares?

Yes, Capital Bancorp (CBNK) spent $1.4M on share buybacks during fiscal year 2024, returning capital to shareholders by reducing shares outstanding.

How many shares does Capital Bancorp have outstanding?

Capital Bancorp (CBNK) had 17M shares outstanding as of fiscal year 2024.

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

Capital Bancorp (CBNK) had a debt-to-equity ratio of 8.03 as of fiscal year 2024, 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 1.0% for fiscal year 2024, measuring how efficiently the company uses its assets to generate profit.