Capital Bancorp (CBNK) Stock Price, News & Analysis

Company Overview

Capital Bancorp (NASDAQ:CBNK) is a bank holding company headquartered in Raleigh, North Carolina. Through its wholly owned subsidiary Capital Bank, the company provides a comprehensive range of commercial and consumer banking services. Capital Bancorp operates a network of branches across the Southeastern United States, primarily serving communities in North Carolina, South Carolina, and Georgia, and leverages local market expertise to support small and medium-sized businesses, professional firms, and individual customers.

The company’s core offerings include business checking and savings accounts, commercial and industrial lending, real estate financing, and treasury management solutions. Capital Bank supports commercial real estate development, owner-occupied property loans, equipment financing, and specialty agriculture lending. For consumers, the bank offers personal checking and savings products, residential mortgage loans, and installment loan options. Additionally, Capital Bancorp delivers digital banking services such as online and mobile banking, electronic funds transfers, remote deposit capture, and automated cash management tools.

Since its establishment in 2005, Capital Bancorp has pursued a strategy of measured growth through both organic expansion and targeted acquisitions. By investing in technology and refining its product platforms, the company has strengthened its commercial lending capabilities and enhanced customer service. Its relationship-driven approach emphasizes personalized financial solutions and local decision-making, aligning resources to meet the evolving needs of its clients and maintain credit quality across its portfolio.

Capital Bancorp’s management team combines decades of experience in banking, finance, and community development. The executive leadership, headed by the President and Chief Executive Officer, oversees business strategy, risk management, and operational excellence. The board of directors comprises seasoned professionals and regional business leaders who provide governance and strategic guidance. Through disciplined financial management and a commitment to community engagement, Capital Bancorp aims to drive sustainable growth and create long-term value for its shareholders and stakeholders.

Key Stats

• Today's Range: $34.85 to $35.53
• 50-Day Range: $28.28 to $35.52
• 52-Week Range: $19.84 to $35.53
• Volume: 51,885 shs
• Average Volume: 49,355 shs
• Market Capitalization: $591.68 million
• P/E Ratio: 14.32
• Dividend Yield: 1.13%
• Price Target: $34.50
• Consensus Rating: Moderate Buy

Capital Bancorp Stock Analysis - MarketRank™

Capital Bancorp scored higher than 82% of companies evaluated by MarketBeat, and ranked 259th out of 907 stocks in the finance sector. Scores are calculated by averaging available category scores, with extra weight given to analysis and valuation.

Analyst's Opinion

• Score: 1.3 / 5
• Analyst Rating: Moderate Buy

Consensus Rating

Capital Bancorp has received a consensus rating of Moderate Buy. The company's average rating score is 2.50, and is based on 1 buy rating, 1 hold rating, and no sell ratings.

Amount of Analyst Coverage

Capital Bancorp has only been the subject of 1 research reports in the past 90 days.

Earnings and Valuation

• Score: 2.5 / 5
• Proj. Earnings Growth: 10.41%

Earnings Growth

Earnings for Capital Bancorp are expected to grow by 10.41% in the coming year, from $3.17 to $3.50 per share.

Price to Earnings Ratio vs. the Market

The P/E ratio of Capital Bancorp is 14.32, which means that it is trading at a less expensive P/E ratio than the market average P/E ratio of about 25.66.

Price to Earnings Ratio vs. Sector

The P/E ratio of Capital Bancorp is 14.32, which means that it is trading at a less expensive P/E ratio than the Finance sector average P/E ratio of about 20.05.

Price to Book Value per Share Ratio

Capital Bancorp has a P/B Ratio of 1.66. P/B Ratios below 3 indicates that a company is reasonably valued with respect to its assets and liabilities.

Short Interest

• Score: 2.0 / 5
• Short Interest Level: Bearish

Percentage of Shares Shorted

2.50% of the float of Capital Bancorp has been sold short.

Short Interest Ratio / Days to Cover

Capital Bancorp has a short interest ratio ("days to cover") of 4.6.

Change versus previous month

Short interest in Capital Bancorp has recently increased by 11.63%, indicating that investor sentiment is decreasing significantly.

Dividend

• Score: 2.5 / 5
• Dividend Strength: Moderate

Dividend Yield

Capital Bancorp pays a meaningful dividend of 1.13%, higher than the bottom 25% of all stocks that pay dividends.

Dividend Growth

Capital Bancorp has only been increasing its dividend for 3 years.

Dividend Coverage

The dividend payout ratio of Capital Bancorp is 16.13%. This payout ratio is at a healthy, sustainable level, below 75%.

Dividend Sustainability

Based on earnings estimates, Capital Bancorp will have a dividend payout ratio of 11.43% next year. This indicates that Capital Bancorp will be able to sustain or increase its dividend.

Sustainability and ESG

• Score: 2.5 / 5
• Environmental Score: -0.83

Percentage of Shares Shorted

2.50% of the float of Capital Bancorp has been sold short.

Short Interest Ratio / Days to Cover

Capital Bancorp has a short interest ratio ("days to cover") of 4.6.

Change versus previous month

Short interest in Capital Bancorp has recently increased by 11.63%, indicating that investor sentiment is decreasing significantly.

News and Social Media

• Score: 1.9 / 5
• News Sentiment: 0.43

News Sentiment

Capital Bancorp has a news sentiment score of 0.43. This score is calculated as an average of sentiment of articles about the company over the last seven days and ranges from 2 (good news) to -2 (bad news). This is a lower news sentiment than the 0.73 average news sentiment score of Finance companies.

News Coverage This Week

MarketBeat has tracked 3 news articles for Capital Bancorp this week, compared to 2 articles on an average week.

Company Ownership

• Score: 4.2 / 5
• Insider Trading: Acquiring Shares

Insider Buying vs. Insider Selling

In the past three months, Capital Bancorp insiders have bought more of their company's stock than they have sold. Specifically, they have bought $25,012.00 in company stock and sold $0.00 in company stock.

Percentage Held by Insiders

31.59% of the stock of Capital Bancorp is held by insiders. A high percentage of insider ownership can be a sign of company health.

Percentage Held by Institutions

56.14% of the stock of Capital Bancorp is held by institutions. High institutional ownership can be a signal of strong market trust in this company.

CBNK Stock Analysis - Frequently Asked Questions

How have CBNK shares performed this year?

Capital Bancorp's stock was trading at $28.50 on January 1st, 2025. Since then, CBNK shares have increased by 24.6% and is now trading at $35.5150.

How were Capital Bancorp's earnings last quarter?

Capital Bancorp, Inc. (NASDAQ:CBNK) announced its earnings results on Monday, April, 28th. The financial services provider reported $0.88 earnings per share for the quarter, beating the consensus estimate of $0.67 by $0.21. The financial services provider earned $58.60 million during the quarter, compared to analyst estimates of $57.54 million. Capital Bancorp had a net margin of 14.43% and a trailing twelve-month return on equity of 15.04%.

When did Capital Bancorp IPO?

Capital Bancorp (CBNK) raised $30 million in an initial public offering (IPO) on Wednesday, September 26th 2018. The company issued 2,200,000 shares at $12.50-$14.50 per share. Keefe, Bruyette & Woods (A Stifel Company) and Stephens served as the underwriters for the IPO and Sandler O’Neill + Partners and Hovde Group were co-managers.

How do I buy shares of Capital Bancorp?

Shares of CBNK stock can be purchased through any online brokerage account. Popular online brokerages with access to the U.S. stock market include Charles Schwab, E*TRADE, Fidelity, and Vanguard Brokerage Services.

What other stocks do shareholders of Capital Bancorp own?

Based on aggregate information from My MarketBeat watchlists, some other companies that Capital Bancorp investors own include NVIDIA (NVDA), Meta Platforms (META), Broadcom (AVGO), Advanced Micro Devices (AMD), Adobe (ADBE), ServiceNow (NOW) and Arista Networks (ANET).

Company Calendar

• Last Earnings: 4/28/2025
• Record date for 5/28 Dividend: 5/12/2025
• Ex-Dividend for 5/28 Dividend: 5/12/2025
• Dividend Payable: 5/28/2025
• Today: 7/06/2025
• Next Earnings (Estimated): 7/28/2025
• Fiscal Year End: 12/31/2025

Industry, Sector and Symbol

• Stock Exchange: NASDAQ
• Sector: Finance
• Industry: BANKS - NORTHEAST
• Sub-Industry: Banking
• Current Symbol: NASDAQ:CBNK
• CIK: 1419536
• Web: capitalbankmd.com
• Phone: (301) 468-8848
• Fax: 301-762-2991
• Employees: 270
• Year Founded: 1988

Price Target and Rating

• Average Stock Price Target: $34.50
• High Stock Price Target: $35.00
• Low Stock Price Target: $34.00
• Potential Upside/Downside: -2.9%
• Consensus Rating: Moderate Buy
• Rating Score (0-4): 2.50
• Research Coverage: 2 Analysts

Profitability

• EPS (Trailing Twelve Months): $2.48
• Trailing P/E Ratio: 14.32
• Forward P/E Ratio: 11.20
• P/E Growth: N/A
• Net Income: $30.97 million
• Net Margins: 14.43%
• Pretax Margin: 19.39%
• Return on Equity: 15.04%
• Return on Assets: 1.66%

Debt

• Debt-to-Equity Ratio: 0.09
• Current Ratio: 1.03
• Quick Ratio: 1.01

Sales & Book Value

• Annual Sales: $244.71 million
• Price / Sales: 2.42
• Cash Flow: $2.56 per share
• Price / Cash Flow: 13.88
• Book Value: $21.45 per share
• Price / Book: 1.66

Miscellaneous

• Outstanding Shares: 16,660,000
• Free Float: 11,395,000
• Market Cap: $591.68 million
• Optionable: Optionable
• Beta: 0.69