Capital Bancorp Stock Price, News & Analysis

Capital Bank (NYSE:CBNK) announced on Dec. 4, 2025 an expansion of its Small Business Administration (SBA) team to grow national small-business lending capabilities. The bank hired Kirk Beason as Head of SBA, Heidi Whitesell as SBA Sales Executive, Ninel Struzska as Senior Credit Officer, and Raquel Zippilli as SBA Relationship Liaison.

The hires combine multi-decade SBA, credit, sales, and underwriting experience to strengthen SBA origination, credit discipline, and program coordination as Capital Bank pursues broader national SBA lending.

Capital Bank (NASDAQ:CBNK) was named one of American Banker's Best Banks to Work For 2025, ranking #85 nationwide. This marks the bank's sixth time on the list. The program combines an anonymous employee survey (≈75% of score) with a review of workplace policies and demographics (≈25% of score). Capital Bank highlighted initiatives such as Capital Bank Immersion for onboarding and expanded integration following its acquisition of Integrated Financial Holdings (IFH) in North Carolina, South Carolina, Indiana, and Illinois. Leadership said the recognition reflects ongoing investment in employee development, wellness, rewards, and community involvement.

Capital Bancorp (NASDAQ: CBNK) announced on November 14, 2025 that Jacob Dalaya has been appointed Executive Vice President and Chief Financial Officer, effective immediately.

Mr. Dalaya was promoted from Chief Strategy Officer after leading strategic and financial planning and overseeing the acquisition of IFH; his background includes senior roles at Webster Financial, Sterling Bancorp, Keefe, Bruyette & Woods, and J.P. Morgan Securities. Capital Bank reported $3.4 billion in assets as of September 30, 2025.

Capital Bancorp (NASDAQ: CBNK) reported 3Q 2025 GAAP net income $15.1M or $0.89 EPS, with ROA 1.77% and ROE 15.57%. Core net income was $12.2M or $0.72 EPS. Book value per share rose to $23.80 and tangible book value to $21.27.

Key drivers: Gross loans $2.82B (3Q growth $82.2M; +$714.5M YoY including IFH acquisition), NIM 6.36% (up 32 bps QoQ), and net PAA $5.5M. Total deposits $2.91B; customer deposits up YoY. Board declared a $0.12 cash dividend payable Nov 26, 2025.

Capital Bancorp (NASDAQ: CBNK) reported strong Q2 2025 financial results with GAAP net income of $13.1 million, or $0.78 per share, and a return on assets (ROA) of 1.60%. The company demonstrated robust growth across key metrics, with core net income of $14.2 million, or $0.85 per share.

Notable achievements include gross loan growth of $61.4 million (9.2% annualized) in Q2, and total deposit growth of $49.4 million (6.9% annualized). The company maintained a strong net interest margin of 6.04% and increased its quarterly cash dividend by 20% to $0.12 per share.

The integration of the IFH acquisition continues to progress, contributing to year-over-year growth with $373.5 million in acquired loans and $459.0 million in deposits. The company's fee revenue remained strong at 21.6% of total revenue, while maintaining an allowance for credit losses ratio of 1.73%.

Capital Bank (CBNK) has launched a new digital banking platform in partnership with Q2, marking a significant advancement in its digital transformation strategy. The upgraded platform features enhanced digital treasury management capabilities and is designed to provide a secure, modern banking experience for business customers. The platform offers consistent cross-device access and provides the scalability needed for geographic and customer segment expansion.

CEO Ed Barry emphasized that this launch represents a strategic move to scale the bank and better serve complex business needs in an increasingly digital economy while maintaining their personal touch. President and COO Steve Poynot highlighted that the platform enables the bank to extend its relationship-first approach into the digital space.

Capital Bancorp (NASDAQ: CBNK) has announced a significant expansion of its Commercial Banking operations in Delaware with the addition of three experienced relationship managers. The expansion team includes Ritchie Francia in Sussex County's Rehoboth Beach area, along with Sarah Ferguson and John Hassiepen in Greater Wilmington.

All three bankers are recognized as top performers with recent prestigious sales awards in commercial banking. The strategic move is part of Capital Bank's broader Mid-Atlantic growth strategy, aimed at strengthening its commercial banking presence across Maryland, Delaware, Virginia, and surrounding areas.

Capital Bancorp reported strong Q1 2025 results with net income of $13.9 million, or $0.82 per share, marking significant growth from Q4 2024's $7.5 million. The bank achieved a robust return on assets of 1.75% and core net income of $14.9 million.

Key highlights include:

• Book value per share increased to $22.19
• Gross loans grew by $48.2 million (7.4% annualized)
• Total deposits expanded by $129.4 million (19% annualized)
• Net interest margin rose to 6.05%
• Fee revenue reached $12.5 million, representing 21.4% of total revenue

The successful integration of IFH contributed significantly to growth, adding $373.5 million in loans and $459.0 million in deposits. The bank declared a cash dividend of $0.10 per share, payable May 28, 2025. Strong performance metrics and diversified earnings platform position Capital Bancorp for continued growth despite potential economic uncertainties.

Capital Bancorp (CBNK) has successfully completed the operational conversion of Integrated Financial Holdings (IFH) into its systems, following their merger from October 1, 2024. The conversion, executed between February 21st and 24th, 2025, integrates IFH customer accounts into CBNK's products and services.

Former IFH subsidiaries, West Town Bank & Trust has merged with Capital Bank, N.A., while Windsor Advantage became a CBNK subsidiary. IFH customers, including those from the North Riverside, IL branch, now have access to CBNK's full range of services, locations, digital banking, and ATM network.

CBNK plans to open a new branch in Raleigh, NC on March 3, 2025. The company has maintained communication with customers since October 2024 to ensure a smooth transition.