Capital Bancorp Financials
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).
Profitability recovered faster than balance-sheet growth, pointing to better asset productivity rather than a simple expansion of the asset base.
Between FY2024 and FY2025, net income climbed far faster than total assets, lifting ROA from1.0% to1.6% and ROE from8.7% to14.2% . That pattern says the FY2025 rebound came from earning more on each dollar already on the balance sheet, not just from carrying a larger one.
The business still runs with a highly levered balance sheet: liabilities remain about 8.0x equity, so a modest change in asset returns can create a much larger swing in shareholder returns. That helps explain why ROE moved more sharply than ROA as profitability improved.
The balance sheet is also being built with retained earnings, not just outside funding: dividends paid were
Financial Health Signals
Based on FY2025 annual data, averaged across the last 3 years for performance metrics (most-recent year weighted highest). How this score is calculated →
Health score ≠ stock price. This rates the quality of Capital Bancorp's business: profitability, growth, balance sheet strength. It doesn't tell you whether the stock is a good buy at today's price. Not financial advice. Use it alongside valuation analysis and your own research.
Capital Bancorp's revenue surged 22.3% year-over-year to $260.9M, reflecting rapid business expansion. This strong growth earns a score of 66/100.
Capital Bancorp has elevated debt relative to equity (D/E of 7.98), meaning the company relies heavily on borrowed funds. This high leverage results in a low score of 0/100, reflecting increased financial risk.
Capital Bancorp's ROE of 14.2% shows moderate profitability relative to equity, earning a score of 39/100. This is up from 8.7% the prior year.
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.
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
Earnings & Revenue
Capital Bancorp generated $260.9M in revenue in fiscal year 2025. This represents an increase of 22.3% from the prior year.
Capital Bancorp reported $57.2M in net income in fiscal year 2025. This represents an increase of 84.6% from the prior year.
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
Capital Bancorp held $255.6M in cash against $0 in long-term debt as of fiscal year 2025.
Capital Bancorp paid $0.44 per share in dividends in fiscal year 2025. This represents an increase of 22.2% from the prior year.
Capital Bancorp had 16M shares outstanding in fiscal year 2025. This represents a decrease of 1.7% from the prior year.
Margins & Returns
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.
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
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.
CBNK Income Statement
| Metric | Q1'26 | Q4'25 | Q3'25 | Q2'25 | Q1'25 | Q4'24 | Q3'24 | Q2'24 |
|---|---|---|---|---|---|---|---|---|
| Revenue | $68.0M-1.0% | $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 |
| 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 | $20.3M+13.4% | $17.9M+1.0% | $17.7M-4.0% | $18.5M+2.2% | $18.1M+9.4% | $16.5M+23.7% | $13.3M+0.6% | $13.3M |
| Operating Income | N/A | N/A | -$923K+1.1% | -$933K-3.3% | -$903K+9.1% | -$993K+1.5% | -$1.0M-28.9% | -$782K |
| Interest Expense | $18.6M+1.2% | $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 |
| Income Tax | $3.9M-17.0% | $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 |
| Net Income | $12.0M-20.1% | $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 |
| EPS (Diluted) | $0.73 | N/A | $0.89+14.1% | $0.78-4.9% | $0.82 | N/A | $0.62+5.1% | $0.59 |
CBNK Balance Sheet
| Metric | Q1'26 | Q4'25 | Q3'25 | Q2'25 | Q1'25 | Q4'24 | Q3'24 | Q2'24 |
|---|---|---|---|---|---|---|---|---|
| Total Assets | $3.8B+5.6% | $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 |
| Current Assets | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Cash & Equivalents | $399.3M+56.2% | $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 |
| 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% | $26.0M0.0% | $26.0M+15.5% | $22.5M-6.7% | $24.1M+14.0% | $21.1M | $0 | $0 |
| Total Liabilities | $3.4B+6.1% | $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 |
| 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 | $408.9M+1.8% | $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 |
| Retained Earnings | $302.8M+3.4% | $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 |
CBNK Cash Flow Statement
| Metric | Q1'26 | Q4'25 | Q3'25 | Q2'25 | Q1'25 | Q4'24 | Q3'24 | Q2'24 |
|---|---|---|---|---|---|---|---|---|
| Operating Cash Flow | $21.8M+18.0% | $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 |
| 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 | -$72.1M+49.0% | -$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 |
| Financing Cash Flow | $194.0M+2.3% | $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 |
| Dividends Paid | $2.0M-1.1% | $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 |
| Share Buybacks | $3.6M-58.4% | $8.6M+2842.3% | -$312K-110.9% | $2.9M+364.2% | $618K | $0 | $0 | $0 |
CBNK Financial Ratios
| Metric | Q1'26 | Q4'25 | Q3'25 | Q2'25 | Q1'25 | Q4'24 | Q3'24 | Q2'24 |
|---|---|---|---|---|---|---|---|---|
| Gross Margin | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Operating Margin | N/A | N/A | -1.4%+0.0pp | -1.4%0.0pp | -1.4%+0.2pp | -1.6%+0.3pp | -1.9%-0.4pp | -1.5% |
| Net Margin | 17.7%-4.2pp | 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% |
| Return on Equity | 2.9%-0.8pp | 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% |
| Return on Assets | 0.3%-0.1pp | 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% |
| Current Ratio | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Debt-to-Equity | 8.31+0.3 | 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 |
| 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.
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 to 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.
How financially healthy is Capital Bancorp?
Capital Bancorp (CBNK) scores 20 out of 100 on our Financial Profile, indicating weak overall financial health. This composite score evaluates six dimensions: profitability (operating margin), revenue growth, leverage (debt-to-equity), liquidity (current ratio), cash flow quality (free cash flow margin), and shareholder returns (return on equity). Each dimension is normalized against standard financial benchmarks. Learn more in our complete guide to financial health indicators.