CBNK - NASDAQ

Capital Bancorp, Inc.

CBNK·NASDAQ

$31.48

-2.5%

Financial ServicesBanks - Regional

Capital Bancorp, Inc. operates as the bank holding company for Capital Bank, N.A. that provides various banking products and services to businesses, not-for-profit associations, and entrepreneurs in the United States. It operates through Commercial Banking, Capital Bank Home Loans, and OpenSky segments. The company offers a range of deposit products and services, including checking and savings, time, interest bearing demand, and money market accounts, as well as certificates of deposit; and credit cards. It originates residential mortgages and offers residential and commercial real estate, construction, and commercial business loans, as well as other consumer loans, such as term loans, car loans, and boat loans to small to medium-sized businesses, professionals, real estate investors, and small residential builders and individuals. It operates through four commercial bank branches, four mortgage offices, and one loan production office. The company was founded in 1974 and is headquartered in Rockville, Maryland.

Statements Value Model

At a Glance

Live Snapshot

Market Cap$512.75M

EPS3.4500

P/E Ratio9.12

Earnings Date07/16/2026

3.61B

Assets

12%

3Y+70.0%

5Y+92.0%

10Y+298.0%

3.20B

Total Liabilities

12%

3Y+69.0%

5Y+87.0%

10Y+284.0%

401.98M

Total Equity

13%

3Y+79.0%

5Y+152.0%

10Y+468.0%

Capital Bancorp, Inc. Funding & Solvency Profile

CBNK · NASDAQ

Current Assets

Cash & Cash Equivalents30.89M

Net Receivables25.83M

Inventory0.00

Other Current Assets0.00

Total Current Assets287 M

Non-Current Assets

Property, Plant & Equipment15.07M

Goodwill & Intangible Assets39.22M

Long-Term Investments2.96B

Other Non-Current Assets290.67M

Total Non-Current Assets3 B

Total Assets

3.61B

Financial Health Analysis

Current Ratio

0.13x

Warning: Liquidity concerns. Current assets may not be sufficient to cover short-term obligations.

Debt-to-Equity Ratio

7.97x

High financial leverage. Heavy reliance on debt may indicate increased financial risk and potential solvency concerns.

Working Capital

-1962399000

Negative working capital indicates short-term liabilities exceed short-term assets—potential liquidity stress.

Asset Composition

8% Current

Capital-intensive business with significant long-term investments in property, equipment, or intangibles.

Financial Health Insight

Financial stress indicators: Both liquidity and leverage metrics raise concerns. The company may face challenges meeting obligations and should focus on strengthening its balance sheet.

Capital Bancorp, Inc. Balance Sheet

CBNK • NASDAQ

Capital Bancorp, Inc. Balance Sheet	Dec 2025	Dec 2024	Dec 2023	Dec 2022	Dec 2021	Dec 2020	Dec 2019	Dec 2018	Dec 2017	Dec 2016	Dec 2015	Dec 2006	Dec 2005	Dec 2004
ASSETS
CURRENT ASSETS
Cash and Cash Equivalents	30.9M	205.3M	53.6M	59.7M	179.7M	144.5M	113M	32.4M	48.5M	34M	19.9M	0.0	0.0	0.0
Short-Term Investments	230.1M	102.7M	84.6M	252.5M	184.5M	99.8M	60.8M	46.9M	54M	48M	39.2M	0.0	0.0	0.0
Cash & Short-Term Investments	261M	308M	138.2M	312.2M	364.2M	244.3M	173.8M	79.4M	102.6M	82M	59.1M	0.0	0.0	0.0
Net Receivables	25.8M	16.7M	11.5M	9.5M	7.9M	8.1M	4.8M	4.5M	3.9M	3.2M	2.8M	0.0	0.0	0.0
Accounts Receivables	25.8M	16.7M	11.5M	9.5M	7.9M	8.1M	4.8M	4.5M	3.9M	3.2M	2.8M	0.0	0.0	0.0
Prepaids	0.0	0.0	0.0	0.0	0.0	0.0	0.0	90K	1.5M	0.0	0.0	0.0	0.0	0.0
Other Current Assets	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	13.2M	7.9M
Total Current Assets	286.8M	324.6M	149.7M	321.7M	372.1M	252.5M	178.6M	83.9M	108M	85.2M	61.9M	0.0	13.2M	7.9M
NON-CURRENT ASSETS
Property, Plant, and Equipment (Net)	15.1M	15.5M	5.1M	3.4M	3.3M	4.5M	6.1M	3M	2.6M	2.2M	2.6M	5.8M	5.2M	4.6M
Goodwill	26M	21.1M	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0
Intangible Assets	13.2M	15.8M	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	16.8K	0.0	0.0	0.0
Goodwill & Intangible Assets	39.2M	36.9M	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	16.8K	0.0	0.0	0.0
Long-Term Investments	3B	2.7B	2B	1.7B	1.6B	1.6B	1.2B	1B	903.7M	804M	671.7M	1.6M	3.5M	2.4M
Tax Assets	15M	16.7M	12.3M	13.8M	9.8M	6.8M	4.3M	3.7M	3.4M	4.4M	2.9M	2.8M	2.3M	1.4M
Other Non-Current Assets	290.7M	89.4M	53.3M	73M	46.8M	12.4M	10.7M	7M	8.3M	9.8M	4.4M	-10.1M	449.9M	358M
Total Non-Current Assets	3.3B	2.9B	2.1B	1.8B	1.7B	1.6B	1.2B	1B	918M	820.4M	681.5M	0.0	460.9M	366.4M
Other Assets	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	564.7M	0.0	0.0
Total Assets	3.6B	3.2B	2.2B	2.1B	2.1B	1.9B	1.4B	1.1B	1B	905.6M	743.4M	564.7M	474.1M	374.3M
LIABILITIES
CURRENT LIABILITIES
Total Payables	8.7M	9.4M	5.6M	1M	473K	1.1M	1.8M	1.6M	1.1M	776.3K	611.8K	0.0	0.0	0.0
Accounts Payable	8.7M	9.4M	5.6M	1M	473K	1.1M	1.8M	1.6M	1.1M	776.3K	611.8K	0.0	0.0	0.0
Short Term Debt	0.0	0.0	0.0	10M	10M	10M	0.0	5.2M	13.1M	11.4M	20.5M	7M	11.2M	24.8M
Tax Payables	0.0	0.0	0.0	0.0	0.0	0.0	9K	90K	0.0	0.0	0.0	0.0	0.0	0.0
Other Current Liabilities	2.2B	2.8B	1.9B	1.8B	1.8B	1.7B	1.2B	955.2M	904.9M	790.9M	629.8M	-7M	180.9M	132.8M
Total Current Liabilities	2.2B	2.8B	1.9B	1.8B	1.8B	1.7B	1.2B	962M	919M	803.1M	650.9M	0.0	192.1M	157.6M
NON-CURRENT LIABILITIES
Long Term Debt	52.1M	34.1M	49.1M	119.1M	24.1M	26M	47.6M	17.4M	17.6M	21.6M	26.6M	53M	52M	41.5M
Deferred Tax Liabilities (Non-Current)	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	251K	205K	169K
Other Non-Current Liabilities	903M	46.4M	20.7M	11.5M	25.7M	28M	19.4M	11.1M	9.3M	10.2M	6.3M	-53.2M	201.2M	149.2M
Total Non-Current Liabilities	955M	80.4M	69.7M	130.5M	49.8M	54M	67.1M	28.5M	26.8M	31.7M	32.8M	0.0	253.4M	190.9M
Other Liabilities	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	529.7M	0.0	0.0
Total Liabilities	3.2B	2.9B	2B	1.9B	1.9B	1.7B	1.3B	990.5M	945.9M	834.9M	683.8M	529.7M	445.5M	348.5M
SHAREHOLDERS' EQUITY
Common Stock	164K	167K	139K	141K	140K	138K	139K	137K	115K	111.4K	102.3K	16.2M	14.3M	14.1M
Additional Paid-In Capital	0.0	128.6M	54.5M	58.2M	54.3M	50.6M	51.6M	49.3M	27.1M	24.6M	22.7M	0.0	32K	0.0
Retained Earnings	286.7M	237.8M	213.3M	182.4M	144.5M	106.9M	81.6M	65.7M	53.2M	46.1M	36.6M	19.1M	15M	11.7M
Accumulated Other Comprehensive Income/Loss	-5.8M	-11.5M	-13.1M	-16.8M	-1.1M	1.7M	13K	-595K	-247K	-31.3K	195.8K	-338K	-689K	-22K
Other Total Stockholders' Equity	120.9M	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0
Total Stockholders' Equity	402M	355.1M	254.9M	224M	197.9M	159.3M	133.3M	114.6M	80.1M	70.7M	59.7M	35M	28.6M	25.8M
Total Equity	402M	355.1M	254.9M	224M	197.9M	159.3M	133.3M	114.6M	80.1M	70.7M	59.7M	35M	28.6M	25.8M
SUMMARY
Total Liabilities & Equity	3.6B	3.2B	2.2B	2.1B	2.1B	1.9B	1.4B	1.1B	1B	905.6M	743.4M	564.7M	474.1M	374.3M
Total Investments	3.2B	2.8B	2.1B	2B	1.8B	1.7B	1.3B	1.1B	957.8M	852M	710.8M	1.6M	3.5M	2.4M
Total Debt	52.1M	34.1M	49.1M	129.1M	34.1M	36M	47.6M	22.6M	30.6M	33M	47.1M	60M	63.2M	66.3M
Net Debt	21.2M	-171.2M	-4.5M	69.3M	-145.7M	-108.5M	-65.3M	-9.9M	-17.9M	-986.5K	27.2M	60M	63.2M	66.3M
Shares Outstanding	16,583,500	16,583,500	16,583,500	16,583,500	16,583,500	16,583,500	16,583,500	16,583,500	16,583,500	16,583,500	16,583,500	16,583,500	16,583,500	16,583,500

SEC Filings

CBNK - Filing history and reports

Filing Type	Filing Date	Period Ending	Fiscal Year	Actions
8-K 8-K 2026 N/A	June 01, 2026	May 28, 2026	2026	View Filing
10-Q 10-Q 2026 Q1 Q1	May 08, 2026	March 31, 2026	2026	View Filing
8-K 8-K 2026 N/A	April 27, 2026	April 27, 2026	2026	View Filing
DEF 14A DEF 14A 2026 N/A	April 07, 2026	May 28, 2026	2026	View Filing
8-K 8-K 2026 N/A	March 18, 2026	March 16, 2026	2026	View Filing
10-K 10-K 2025 FY FY	March 16, 2026	December 31, 2025	2025	View Filing
8-K 8-K 2026 N/A	February 10, 2026	February 06, 2026	2026	View Filing
8-K/A 8-K/A 2026 (Amended) N/A	January 28, 2026	January 26, 2026	2026	View Filing
8-K 8-K 2026 N/A	January 26, 2026	January 26, 2026	2026	View Filing
8-K 8-K 2025 N/A	December 31, 2025	December 24, 2025	2025	View Filing

Showing 1 to 10 of 154 filings

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