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Capital Bancorp (CBNK) Financials

Capital Bancorp logo
$28.90 +0.30 (+1.05%)
Closing price 04:00 PM Eastern
Extended Trading
$28.90 +0.01 (+0.02%)
As of 04:31 PM Eastern
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Annual Income Statements for Capital Bancorp

Annual Income Statements for Capital Bancorp

This table shows Capital Bancorp's income and expenses over time, based on annual financial data. All values are USD millions unless otherwise specified.

Metric 2022 2023 2024
Period end date 12/31/2022 12/31/2023 12/31/2024
Net Income / (Loss) Attributable to Common Shareholders		 42 36 31
Consolidated Net Income / (Loss)		 42 36 31
Net Income / (Loss) Continuing Operations		 42 36 31
Total Pre-Tax Income 		54 46 42
Total Revenue		 170 167 186
Net Interest Income / (Expense)		 141 142 155
Total Interest Income		 151 183 213
Loans and Leases Interest Income		 144 175 203
Investment Securities Interest Income		 3.91 4.82 5.44
Federal Funds Sold and Securities Borrowed Interest Income		 2.33 3.63 4.95
Total Interest Expense		 10 42 59
Deposits Interest Expense		 7.61 40 56
Long-Term Debt Interest Expense		 2.43 2.06 2.39
Total Non-Interest Income		 29 25 31
Other Service Charges		 29 25 34
Other Non-Interest Income		 - 0.00 -2.62
Provision for Credit Losses		 6.63 9.51 18
Total Non-Interest Expense		 109 111 126
Salaries and Employee Benefits		 43 49 56
Net Occupancy & Equipment Expense		 34 31 36
Marketing Expense		 6.22 6.16 6.36
Other Operating Expenses		 26 24 24
Restructuring Charge		 - 0.00 3.93
Income Tax Expense		 12 10 11
Basic Earnings per Share		 $2.98 $2.56 $2.12
Weighted Average Basic Shares Outstanding		 14.02M 14.00M 14.58M
Diluted Earnings per Share		 $2.91 $2.55 $2.12
Weighted Average Diluted Shares Outstanding		 14.36M 14.08M 14.64M
Weighted Average Basic & Diluted Shares Outstanding		 14.15M 13.90M 16.65M
Cash Dividends to Common per Share		 $0.22 $0.28 $0.36

Quarterly Income Statements for Capital Bancorp

This table shows Capital Bancorp's income and expenses over time, based on quarterly financial data. All values are USD millions unless otherwise specified.

Metric Q3 2022 Q4 2022 Q1 2023 Q2 2023 Q3 2023 Q4 2023 Q1 2024 Q2 2024 Q3 2024 Q4 2024
Period end date 9/30/2022 12/31/2022 3/31/2023 6/30/2023 9/30/2023 12/31/2023 3/31/2024 6/30/2024 9/30/2024 12/31/2024
Net Income / (Loss) Attributable to Common Shareholders		 11 8.99 9.74 7.32 9.79 9.03 6.56 8.21 8.67 7.53
Consolidated Net Income / (Loss)		 11 8.99 9.74 7.32 9.79 9.03 6.56 8.21 8.67 7.53
Net Income / (Loss) Continuing Operations		 11 8.99 9.74 7.32 9.79 9.03 6.56 8.21 8.67 7.53
Total Pre-Tax Income 		14 12 13 9.57 13 11 8.62 11 11 11
Total Revenue		 44 41 41 42 43 41 41 44 45 56
Net Interest Income / (Expense)		 37 35 34 35 37 35 35 37 38 44
Total Interest Income		 38 41 43 45 48 47 48 51 53 62
Loans and Leases Interest Income		 36 39 41 43 45 45 46 48 50 59
Investment Securities Interest Income		 1.36 1.40 1.38 1.27 1.09 1.08 1.25 1.31 1.34 1.54
Federal Funds Sold and Securities Borrowed Interest Income		 0.53 1.18 0.76 0.82 1.27 0.78 1.13 1.03 1.22 1.57
Total Interest Expense		 1.66 6.15 8.93 9.74 11 12 13 14 14 17
Deposits Interest Expense		 1.39 4.38 7.75 9.41 11 12 13 13 14 16
Long-Term Debt Interest Expense		 0.28 1.77 1.18 0.33 0.23 0.32 0.53 0.51 0.35 1.00
Total Non-Interest Income		 7.11 5.61 6.03 6.69 6.33 5.94 5.97 6.89 6.64 12
Other Service Charges		 0.42 28 0.43 0.40 0.45 24 5.97 0.37 0.46 27
Provision for Credit Losses		 1.26 2.38 1.66 2.86 2.28 2.71 2.87 3.42 3.75 8.07
Total Non-Interest Expense		 28 27 26 30 28 27 29 29 30 38
Salaries and Employee Benefits		 11 12 13 12 12 12 13 13 13 17
Net Occupancy & Equipment Expense		 8.32 8.09 7.74 8.10 7.82 7.70 8.37 8.65 8.72 10
Marketing Expense		 1.63 0.73 0.52 2.65 1.57 1.43 2.03 2.07 1.22 1.03
Other Operating Expenses		 7.40 6.21 5.41 6.71 6.24 6.14 5.46 5.41 5.92 7.17
Restructuring Charge		 - - 0.00 0.00 0.00 - 0.71 0.08 0.52 2.62
Income Tax Expense		 3.34 2.65 2.92 2.26 3.00 2.19 2.06 2.73 2.83 3.24
Basic Earnings per Share		 $0.79 $0.64 $0.69 $0.52 $0.70 $0.65 $0.47 $0.59 $0.62 $0.44
Weighted Average Basic Shares Outstanding		 14.03M 14.02M 14.16M 14.02M 13.93M 14.00M 13.92M 13.89M 13.91M 14.58M
Diluted Earnings per Share		 $0.77 $0.63 $0.68 $0.52 $0.70 $0.65 $0.47 $0.59 $0.62 $0.44
Weighted Average Diluted Shares Outstanding		 14.37M 14.36M 14.27M 14.06M 14.02M 14.08M 13.92M 13.89M 13.95M 14.64M
Weighted Average Basic & Diluted Shares Outstanding		 14.06M 14.15M 14.04M 13.94M 13.89M 13.90M 13.89M 13.91M 16.56M 16.65M

Annual Cash Flow Statements for Capital Bancorp

This table details how cash moves in and out of Capital Bancorp's business through operations, investing, and financing, using annual figures. All values are USD millions unless otherwise specified.

Metric 2022 2023 2024
Period end date 12/31/2022 12/31/2023 12/31/2024
Net Change in Cash & Equivalents		 -103 -26 151
Net Cash From Operating Activities		 51 47 35
Net Cash From Continuing Operating Activities		 51 47 35
Net Income / (Loss) Continuing Operations		 42 36 31
Consolidated Net Income / (Loss)		 42 36 31
Provision For Loan Losses		 6.59 9.51 18
Depreciation Expense		 0.36 0.32 0.74
Amortization Expense		 0.54 0.19 0.36
Non-Cash Adjustments to Reconcile Net Income		 12 1.16 -17
Changes in Operating Assets and Liabilities, net		 -9.60 0.36 2.11
Net Cash From Investing Activities		 -198 -131 -270
Net Cash From Continuing Investing Activities		 -198 -131 -270
Purchase of Investment Securities		 -325 -190 -388
Sale and/or Maturity of Investments		 24 56 118
Other Investing Activities, net		 102 3.01 -0.13
Net Cash From Financing Activities		 44 57 386
Net Cash From Continuing Financing Activities		 44 57 386
Net Change in Deposits		 -39 138 407
Issuance of Debt		 0.00 15 -15
Repayment of Debt		 85 -85 0.00
Repurchase of Common Equity		 0.00 -8.83 -1.40
Payment of Dividends		 -3.09 -3.92 -5.28
Other Financing Activities, Net		 1.24 1.79 1.08
Cash Interest Paid		 9.48 37 55
Cash Income Taxes Paid		 12 7.70 9.10

Quarterly Cash Flow Statements for Capital Bancorp

This table details how cash moves in and out of Capital Bancorp's business through operations, investing, and financing, using quarterly figures. All values are USD millions unless otherwise specified.

Metric Q3 2022 Q4 2022 Q1 2023 Q2 2023 Q3 2023 Q4 2023 Q1 2024 Q2 2024 Q3 2024 Q4 2024
Period end date 9/30/2022 12/31/2022 3/31/2023 6/30/2023 9/30/2023 12/31/2023 3/31/2024 6/30/2024 9/30/2024 12/31/2024
Net Change in Cash & Equivalents		 -214 43 60 -21 27 -92 31 51 20 49
Net Cash From Operating Activities		 16 6.04 10 8.40 22 6.19 -3.41 13 -0.46 26
Net Cash From Continuing Operating Activities		 16 6.04 10 8.40 22 6.19 -3.41 13 -0.46 26
Net Income / (Loss) Continuing Operations		 11 8.99 9.74 7.32 9.79 9.03 6.56 8.21 8.67 7.53
Consolidated Net Income / (Loss)		 11 8.99 9.74 7.32 9.79 9.03 6.56 8.21 8.67 7.53
Provision For Loan Losses		 1.37 2.33 1.65 2.87 2.31 2.69 2.88 3.44 3.79 8.00
Depreciation Expense		 0.08 0.08 0.07 0.07 0.10 0.09 0.09 0.08 0.08 0.49
Amortization Expense		 0.25 -0.79 -0.03 0.01 0.10 0.11 0.06 0.01 -0.02 0.31
Non-Cash Adjustments to Reconcile Net Income		 5.29 0.64 -1.27 -0.53 5.76 -2.80 -1.96 -8.91 -1.35 -5.14
Changes in Operating Assets and Liabilities, net		 -2.26 -5.22 0.20 -1.33 4.41 -2.92 -11 10 -12 15
Net Cash From Investing Activities		 -78 -68 -59 -6.70 -26 -39 -58 -66 -84 -63
Net Cash From Continuing Investing Activities		 -78 -68 -59 -6.70 -26 -39 -58 -66 -84 -63
Purchase of Investment Securities		 -93 -83 -60 -54 -26 -50 -79 -67 -98 -144
Sale and/or Maturity of Investments		 1.75 18 -1.83 47 0.49 11 21 2.40 15 80
Other Investing Activities, net		 13 -3.37 3.15 0.41 -0.54 -0.01 -0.09 -0.49 -0.97 1.42
Net Cash From Financing Activities		 -152 105 108 -23 31 -59 92 104 104 86
Net Cash From Continuing Financing Activities		 -152 105 108 -23 31 -59 92 104 104 86
Net Change in Deposits		 -151 20 186 -10 34 -72 110 95 86 117
Repayment of Debt		 - 85 -75 -10 - - 0.00 10 20 -30
Payment of Dividends		 -0.84 -0.84 -0.85 -0.84 -1.12 -1.11 -1.12 -1.11 -1.39 -1.66
Other Financing Activities, Net		 0.27 0.65 0.59 0.42 0.02 0.76 0.11 0.29 -0.01 0.68
Cash Interest Paid		 1.48 5.60 5.92 11 8.76 12 13 13 12 16
Cash Income Taxes Paid		 3.62 2.93 0.04 5.55 2.12 - 0.04 0.02 0.02 9.03

Annual Balance Sheets for Capital Bancorp

This table presents Capital Bancorp's assets and liabilities at the end of each period, using annual balance sheet data. All values are USD millions unless otherwise specified.

Metric 2022 2023 2024
Period end date 12/31/2022 12/31/2023 12/31/2024
Total Assets		 2,124 2,226 3,207
Cash and Due from Banks		 20 15 25
Federal Funds Sold		 21 0.41 0.06
Interest Bearing Deposits at Other Banks		 40 39 180
Trading Account Securities		 252 208 224
Loans and Leases, Net of Allowance		 1,702 1,875 2,582
Loans and Leases		 1,729 1,903 2,630
Allowance for Loan and Lease Losses		 26 29 49
Loans Held for Sale		 7.42 7.48 21
Accrued Investment Income		 9.49 11 17
Premises and Equipment, Net		 3.39 5.07 16
Goodwill		 - 0.00 21
Intangible Assets		 - 0.00 16
Other Assets		 68 65 106
Total Liabilities & Shareholders' Equity		 2,124 2,226 3,207
Total Liabilities		 1,900 1,971 2,852
Non-Interest Bearing Deposits		 674 617 811
Interest Bearing Deposits		 1,084 1,279 1,951
Short-Term Debt		 12 27 12
Accrued Interest Payable		 1.03 5.58 9.39
Long-Term Debt		 107 22 22
Other Long-Term Liabilities		 21 21 46
Total Equity & Noncontrolling Interests		 224 255 355
Total Preferred & Common Equity		 224 255 355
Total Common Equity		 224 255 355
Common Stock		 58 55 129
Retained Earnings		 182 213 238
Accumulated Other Comprehensive Income / (Loss)		 -17 -13 -11

Quarterly Balance Sheets for Capital Bancorp

This table presents Capital Bancorp's assets and liabilities at the end of each period, using quarterly balance sheet data. All values are USD millions unless otherwise specified.

Metric Q3 2022 Q1 2023 Q2 2023 Q3 2023 Q1 2024 Q2 2024 Q3 2024
Period end date 9/30/2022 3/31/2023 6/30/2023 9/30/2023 3/31/2024 6/30/2024 9/30/2024
Total Assets		 2,009 2,245 2,228 2,272 2,324 2,439 2,561
Cash and Due from Banks		 15 14 19 14 12 19 23
Federal Funds Sold		 1.42 0.46 0.38 1.96 0.06 0.06 0.06
Interest Bearing Deposits at Other Banks		 21 125 100 130 73 117 133
Trading Account Securities		 270 256 208 206 202 208 209
Loans and Leases, Net of Allowance		 1,622 1,760 1,810 1,834 1,935 1,991 2,076
Loans and Leases		 1,648 1,786 1,837 1,862 1,965 2,022 2,108
Allowance for Loan and Lease Losses		 26 26 27 28 29 31 32
Loans Held for Sale		 6.88 9.62 10 4.84 10 19 20
Accrued Investment Income		 7.89 9.99 10 11 12 12 12
Premises and Equipment, Net		 3.21 5.37 5.49 5.30 4.50 5.55 5.96
Other Assets		 63 64 65 65 63 65 82
Total Liabilities & Shareholders' Equity		 2,009 2,245 2,228 2,272 2,324 2,439 2,561
Total Liabilities		 1,795 2,011 1,990 2,030 2,065 2,171 2,281
Non-Interest Bearing Deposits		 806 706 693 681 666 685 718
Interest Bearing Deposits		 932 1,239 1,241 1,287 1,340 1,416 1,468
Accrued Interest Payable		 0.48 1.98 3.03 5.20 6.01 6.57 8.50
Long-Term Debt		 22 32 22 22 22 32 64
Other Long-Term Liabilities		 23 20 19 22 19 20 22
Total Equity & Noncontrolling Interests		 214 235 237 243 259 268 280
Total Preferred & Common Equity		 214 235 237 243 259 268 280
Total Common Equity		 214 235 237 243 259 268 280
Common Stock		 57 57 56 55 54 55 56
Retained Earnings		 175 191 197 206 219 226 233
Accumulated Other Comprehensive Income / (Loss)		 -18 -14 -16 -18 -14 -13 -8.61

Annual Metrics And Ratios for Capital Bancorp

This table displays calculated financial ratios and metrics derived from Capital Bancorp's official financial filings.

Metric 2022 2023 2024
Period end date 12/31/2022 12/31/2023 12/31/2024
Growth Metrics		 - - -
Revenue Growth		 1.58% -2.05% 11.80%
EBITDA Growth		 0.11% -15.24% -8.14%
EBIT Growth		 0.66% -14.77% -9.50%
NOPAT Growth		 4.57% -14.19% -13.66%
Net Income Growth		 4.57% -14.19% -13.66%
EPS Growth		 2.46% -12.37% -16.86%
Operating Cash Flow Growth		 -61.09% -7.73% -26.34%
Free Cash Flow Firm Growth		 -2,175.09% 208.25% -172.38%
Invested Capital Growth		 47.90% -11.41% 28.06%
Revenue Q/Q Growth		 -1.43% 0.01% 9.03%
EBITDA Q/Q Growth		 -4.48% 1.02% 0.35%
EBIT Q/Q Growth		 -3.64% -0.92% -1.08%
NOPAT Q/Q Growth		 -2.75% 0.11% -4.61%
Net Income Q/Q Growth		 -2.75% 0.11% -4.61%
EPS Q/Q Growth		 -3.00% 0.79% -9.01%
Operating Cash Flow Q/Q Growth		 -31.38% 0.33% 129.55%
Free Cash Flow Firm Q/Q Growth		 -483.77% 978.27% -56.22%
Invested Capital Q/Q Growth		 38.30% 9.74% 13.08%
Profitability Metrics		 - - -
EBITDA Margin		 32.44% 28.07% 23.06%
EBIT Margin		 31.91% 27.76% 22.47%
Profit (Net Income) Margin		 24.59% 21.54% 16.64%
Tax Burden Percent		 77.08% 77.60% 74.04%
Interest Burden Percent		 100.00% 100.00% 100.00%
Effective Tax Rate		 22.92% 22.40% 25.96%
Return on Invested Capital (ROIC)		 14.54% 11.09% 8.94%
ROIC Less NNEP Spread (ROIC-NNEP)		 14.54% 11.09% 8.94%
Return on Net Nonoperating Assets (RNNOA)		 5.28% 3.89% 1.22%
Return on Equity (ROE)		 19.82% 14.98% 10.15%
Cash Return on Invested Capital (CROIC)		 -24.11% 23.19% -15.67%
Operating Return on Assets (OROA)		 2.60% 2.13% 1.54%
Return on Assets (ROA)		 2.00% 1.65% 1.14%
Return on Common Equity (ROCE)		 19.82% 14.98% 10.15%
Return on Equity Simple (ROE_SIMPLE)		 18.66% 14.07% 8.72%
Net Operating Profit after Tax (NOPAT)		 42 36 31
NOPAT Margin		 24.59% 21.54% 16.64%
Net Nonoperating Expense Percent (NNEP)		 0.00% 0.00% 0.00%
SG&A Expenses to Revenue		 49.07% 51.82% 52.82%
Operating Expenses to Revenue		 64.19% 66.53% 67.80%
Earnings before Interest and Taxes (EBIT)		 54 46 42
Earnings before Interest, Taxes, Depreciation and Amortization (EBITDA)		 55 47 43
Valuation Ratios		 - - -
Price to Book Value (P/BV)		 1.44 1.29 1.32
Price to Tangible Book Value (P/TBV)		 1.44 1.29 1.48
Price to Revenue (P/Rev)		 1.90 1.98 2.53
Price to Earnings (P/E)		 7.71 9.20 15.19
Dividend Yield		 1.18% 1.18% 1.27%
Earnings Yield		 12.97% 10.87% 6.58%
Enterprise Value to Invested Capital (EV/IC)		 1.05 1.07 0.77
Enterprise Value to Revenue (EV/Rev)		 2.12 1.95 1.61
Enterprise Value to EBITDA (EV/EBITDA)		 6.54 6.95 6.97
Enterprise Value to EBIT (EV/EBIT)		 6.65 7.03 7.15
Enterprise Value to NOPAT (EV/NOPAT)		 8.63 9.06 9.66
Enterprise Value to Operating Cash Flow (EV/OCF)		 7.02 6.85 8.57
Enterprise Value to Free Cash Flow (EV/FCFF)		 0.00 4.33 0.00
Leverage & Solvency		 - - -
Debt to Equity		 0.53 0.19 0.10
Long-Term Debt to Equity		 0.48 0.09 0.06
Financial Leverage		 0.36 0.35 0.14
Leverage Ratio		 9.90 9.08 8.91
Compound Leverage Factor		 9.90 9.08 8.91
Debt to Total Capital		 34.70% 16.14% 8.75%
Short-Term Debt to Total Capital		 3.52% 8.90% 3.10%
Long-Term Debt to Total Capital		 31.19% 7.24% 5.65%
Preferred Equity to Total Capital		 0.00% 0.00% 0.00%
Noncontrolling Interests to Total Capital		 0.00% 0.00% 0.00%
Common Equity to Total Capital		 65.30% 83.86% 91.25%
Debt to EBITDA		 2.16 1.05 0.79
Net Debt to EBITDA		 0.70 -0.10 -3.99
Long-Term Debt to EBITDA		 1.94 0.47 0.51
Debt to NOPAT		 2.85 1.37 1.10
Net Debt to NOPAT		 0.92 -0.14 -5.53
Long-Term Debt to NOPAT		 2.56 0.61 0.71
Noncontrolling Interest Sharing Ratio		 0.00% 0.00% 0.00%
Liquidity Ratios		 - - -
Cash Flow Metrics		 - - -
Free Cash Flow to Firm (FCFF)		 -69 75 -54
Operating Cash Flow to CapEx		 0.00% 0.00% 0.00%
Free Cash Flow to Firm to Interest Expense		 -6.90 1.80 -0.93
Operating Cash Flow to Interest Expense		 5.12 1.14 0.60
Operating Cash Flow Less CapEx to Interest Expense		 5.12 1.14 0.60
Efficiency Ratios		 - - -
Asset Turnover		 0.08 0.08 0.07
Fixed Asset Turnover		 50.98 39.39 18.08
Capital & Investment Metrics		 - - -
Invested Capital		 343 304 389
Invested Capital Turnover		 0.59 0.51 0.54
Increase / (Decrease) in Invested Capital		 111 -39 85
Enterprise Value (EV)		 361 325 299
Market Capitalization		 322 330 470
Book Value per Share		 $15.94 $18.34 $21.45
Tangible Book Value per Share		 $15.94 $18.34 $19.22
Total Capital		 343 304 389
Total Debt		 119 49 34
Total Long-Term Debt		 107 22 22
Net Debt		 39 -4.90 -171
Capital Expenditures (CapEx)		 0.00 0.00 0.00
Net Nonoperating Expense (NNE)		 0.00 0.00 0.00
Net Nonoperating Obligations (NNO)		 119 49 34
Total Depreciation and Amortization (D&A)		 0.90 0.51 1.10
Earnings Adjustments		 - - -
Adjusted Basic Earnings per Share		 $2.98 $2.56 $2.12
Adjusted Weighted Average Basic Shares Outstanding		 14.02M 14.00M 14.58M
Adjusted Diluted Earnings per Share		 $2.91 $2.55 $2.12
Adjusted Weighted Average Diluted Shares Outstanding		 14.36M 14.08M 14.64M
Adjusted Basic & Diluted Earnings per Share		 $0.00 $0.00 $0.00
Adjusted Weighted Average Basic & Diluted Shares Outstanding		 14.15M 13.90M 16.65M
Normalized Net Operating Profit after Tax (NOPAT)		 42 36 34
Normalized NOPAT Margin		 24.59% 21.54% 18.20%
Pre Tax Income Margin		 31.91% 27.76% 22.47%
Debt Service Ratios		 - - -
EBIT to Interest Expense		 5.40 1.11 0.71
NOPAT to Interest Expense		 4.16 0.86 0.53
EBIT Less CapEx to Interest Expense		 5.40 1.11 0.71
NOPAT Less CapEx to Interest Expense		 4.16 0.86 0.53
Payout Ratios		 - - -
Dividend Payout Ratio		 7.38% 10.93% 17.03%
Augmented Payout Ratio		 7.38% 35.53% 21.55%

Quarterly Metrics And Ratios for Capital Bancorp

This table displays calculated financial ratios and metrics derived from Capital Bancorp's official financial filings.

Metric Q3 2022 Q4 2022 Q1 2023 Q2 2023 Q3 2023 Q4 2023 Q1 2024 Q2 2024 Q3 2024 Q4 2024
Period end date 9/30/2022 12/31/2022 3/31/2023 6/30/2023 9/30/2023 12/31/2023 3/31/2024 6/30/2024 9/30/2024 12/31/2024
Growth Metrics		 - - - - - - - - - -
Revenue Growth		 -1.95% -5.72% -2.66% -3.96% -1.48% 0.03% 1.15% 4.57% 4.30% 37.76%
EBITDA Growth		 -3.04% -19.14% -11.34% -36.30% -11.86% 4.31% -30.79% 15.30% -11.00% 0.43%
EBIT Growth		 -4.14% -14.98% -6.89% -34.42% -11.23% -3.69% -31.72% 15.29% -10.10% -4.96%
NOPAT Growth		 -0.73% -11.61% -4.66% -36.41% -11.78% 0.44% -32.59% 12.12% -11.40% -16.58%
Net Income Growth		 -0.73% -11.61% -4.66% -36.41% -11.78% 0.44% -32.59% 12.12% -11.40% -16.58%
EPS Growth		 -2.53% -12.50% -4.23% -35.00% -9.09% 3.17% -30.88% 13.46% -11.43% -32.31%
Operating Cash Flow Growth		 -40.08% -79.57% 12.80% -58.70% 41.97% 2.58% -132.95% 53.49% -102.07% 318.28%
Free Cash Flow Firm Growth		 93.48% -285.85% -37.12% -22.56% -38.00% 147.18% 74.81% -41.28% -206.84% -261.35%
Invested Capital Growth		 11.17% 47.90% 18.27% 12.48% 11.64% -11.41% 5.37% 14.89% 24.28% 28.06%
Revenue Q/Q Growth		 0.05% -6.79% -0.74% 3.74% 2.64% -5.36% 0.38% 7.24% 2.37% 25.01%
EBITDA Q/Q Growth		 -2.59% -25.91% 15.87% -23.82% 34.78% -12.32% -19.62% 26.91% 4.03% -1.06%
EBIT Q/Q Growth		 -1.14% -19.33% 8.50% -24.21% 33.81% -12.48% -22.38% 27.98% 4.34% -7.48%
NOPAT Q/Q Growth		 -3.59% -18.97% 8.29% -24.83% 33.75% -7.74% -27.33% 25.04% 5.69% -13.13%
Net Income Q/Q Growth		 -3.59% -18.97% 8.29% -24.83% 33.75% -7.74% -27.33% 25.04% 5.69% -13.13%
EPS Q/Q Growth		 -3.75% -18.18% 7.94% -23.53% 34.62% -7.14% -27.69% 25.53% 5.08% -29.03%
Operating Cash Flow Q/Q Growth		 -22.22% -61.85% 71.54% -18.86% 167.36% -72.43% -155.09% 478.02% -103.60% 5,682.76%
Free Cash Flow Firm Q/Q Growth		 25.66% -638.41% 67.40% 31.51% 16.30% 352.48% -117.40% -284.14% -81.79% -32.76%
Invested Capital Q/Q Growth		 2.77% 38.30% -18.80% -2.54% 2.00% 9.74% -3.42% 6.26% 10.34% 13.08%
Profitability Metrics		 - - - - - - - - - -
EBITDA Margin		 33.71% 26.79% 31.27% 22.97% 30.16% 27.94% 21.40% 25.32% 25.74% 20.37%
EBIT Margin		 32.96% 28.52% 31.18% 22.78% 29.70% 27.46% 21.04% 25.11% 25.60% 18.95%
Profit (Net Income) Margin		 25.34% 22.03% 24.03% 17.41% 22.69% 22.12% 16.01% 18.67% 19.28% 13.39%
Tax Burden Percent		 76.88% 77.23% 76.96% 76.44% 76.55% 80.51% 76.09% 75.05% 75.42% 69.91%
Interest Burden Percent		 100.00% 100.00% 100.15% 100.00% 99.81% 100.04% 100.00% 99.06% 99.85% 101.14%
Effective Tax Rate		 23.12% 22.77% 23.04% 23.56% 23.45% 19.49% 23.91% 24.95% 24.58% 30.09%
Return on Invested Capital (ROIC)		 18.55% 13.02% 15.79% 11.35% 14.39% 11.38% 9.35% 10.81% 10.60% 7.19%
ROIC Less NNEP Spread (ROIC-NNEP)		 18.55% 13.02% 15.79% 11.35% 14.39% 11.38% 9.35% 10.81% 10.60% 7.19%
Return on Net Nonoperating Assets (RNNOA)		 3.13% 4.73% 2.83% 1.74% 2.15% 4.00% 1.48% 1.67% 1.99% 0.98%
Return on Equity (ROE)		 21.68% 17.75% 18.61% 13.09% 16.54% 15.38% 10.82% 12.48% 12.59% 8.18%
Cash Return on Invested Capital (CROIC)		 7.67% -24.11% -0.66% 2.74% 2.65% 23.19% 6.21% -2.34% -11.19% -15.67%
Operating Return on Assets (OROA)		 2.72% 2.32% 2.41% 1.74% 2.31% 2.10% 1.54% 1.82% 1.81% 1.30%
Return on Assets (ROA)		 2.09% 1.79% 1.86% 1.33% 1.76% 1.69% 1.17% 1.35% 1.36% 0.92%
Return on Common Equity (ROCE)		 21.68% 17.75% 18.61% 13.09% 16.54% 15.38% 10.82% 12.48% 12.59% 8.18%
Return on Equity Simple (ROE_SIMPLE)		 20.09% 0.00% 17.62% 15.64% 14.75% 0.00% 12.60% 12.54% 11.59% 0.00%
Net Operating Profit after Tax (NOPAT)		 11 8.99 9.74 7.32 9.79 9.03 6.56 8.21 8.67 7.53
NOPAT Margin		 25.34% 22.03% 24.03% 17.41% 22.69% 22.12% 16.01% 18.67% 19.28% 13.39%
Net Nonoperating Expense Percent (NNEP)		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
SG&A Expenses to Revenue		 47.27% 50.43% 51.38% 54.45% 50.55% 50.88% 56.89% 54.60% 51.77% 49.31%
Operating Expenses to Revenue		 64.16% 65.64% 64.72% 70.41% 65.02% 65.91% 71.95% 67.11% 66.07% 66.70%
Earnings before Interest and Taxes (EBIT)		 14 12 13 9.57 13 11 8.62 11 12 11
Earnings before Interest, Taxes, Depreciation and Amortization (EBITDA)		 15 11 13 9.65 13 11 8.77 11 12 11
Valuation Ratios		 - - - - - - - - - -
Price to Book Value (P/BV)		 1.47 1.44 0.98 1.05 1.08 1.29 1.11 1.06 1.27 1.32
Price to Tangible Book Value (P/TBV)		 1.47 1.44 0.98 1.05 1.08 1.29 1.11 1.06 1.27 1.48
Price to Revenue (P/Rev)		 1.83 1.90 1.36 1.49 1.57 1.98 1.72 1.68 2.09 2.53
Price to Earnings (P/E)		 7.33 7.71 5.56 6.70 7.30 9.20 8.79 8.44 10.97 15.19
Dividend Yield		 0.94% 1.18% 1.42% 1.35% 1.39% 1.18% 1.45% 1.86% 1.33% 1.27%
Earnings Yield		 13.65% 12.97% 17.97% 14.92% 13.71% 10.87% 11.38% 11.84% 9.11% 6.58%
Enterprise Value to Invested Capital (EV/IC)		 1.26 1.05 0.48 0.60 0.54 1.07 0.80 0.61 0.77 0.77
Enterprise Value to Revenue (EV/Rev)		 1.81 2.12 0.79 0.98 0.90 1.95 1.41 1.13 1.54 1.61
Enterprise Value to EBITDA (EV/EBITDA)		 5.40 6.54 2.50 3.41 3.23 6.95 5.53 4.32 6.16 6.97
Enterprise Value to EBIT (EV/EBIT)		 5.54 6.65 2.51 3.39 3.20 7.03 5.61 4.39 6.24 7.15
Enterprise Value to NOPAT (EV/NOPAT)		 7.26 8.63 3.23 4.41 4.17 9.06 7.22 5.69 8.12 9.66
Enterprise Value to Operating Cash Flow (EV/OCF)		 4.16 7.02 2.54 4.03 3.16 6.85 7.02 5.01 17.33 8.57
Enterprise Value to Free Cash Flow (EV/FCFF)		 17.27 0.00 0.00 23.33 21.46 4.33 13.30 0.00 0.00 0.00
Leverage & Solvency		 - - - - - - - - - -
Debt to Equity		 0.16 0.53 0.19 0.14 0.14 0.19 0.13 0.16 0.23 0.10
Long-Term Debt to Equity		 0.10 0.48 0.14 0.09 0.09 0.09 0.08 0.12 0.23 0.06
Financial Leverage		 0.17 0.36 0.18 0.15 0.15 0.35 0.16 0.15 0.19 0.14
Leverage Ratio		 10.37 9.90 10.02 9.85 9.37 9.08 9.25 9.24 9.24 8.91
Compound Leverage Factor		 10.37 9.90 10.03 9.85 9.35 9.09 9.25 9.15 9.23 9.01
Debt to Total Capital		 13.73% 34.70% 15.82% 12.55% 12.30% 16.14% 11.60% 14.13% 18.61% 8.75%
Short-Term Debt to Total Capital		 4.86% 3.52% 4.33% 4.44% 4.36% 8.90% 4.11% 3.87% 0.00% 3.10%
Long-Term Debt to Total Capital		 8.87% 31.19% 11.49% 8.10% 7.94% 7.24% 7.50% 10.26% 18.61% 5.65%
Preferred Equity to Total Capital		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Noncontrolling Interests to Total Capital		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Common Equity to Total Capital		 86.27% 65.30% 84.18% 87.45% 87.70% 83.86% 88.40% 85.87% 81.39% 91.25%
Debt to EBITDA		 0.59 2.16 0.82 0.71 0.74 1.05 0.80 1.00 1.50 0.79
Net Debt to EBITDA		 -0.05 0.70 -1.80 -1.78 -2.42 -0.10 -1.20 -2.09 -2.17 -3.99
Long-Term Debt to EBITDA		 0.38 1.94 0.60 0.46 0.48 0.47 0.51 0.72 1.50 0.51
Debt to NOPAT		 0.79 2.85 1.07 0.92 0.95 1.37 1.04 1.31 1.97 1.10
Net Debt to NOPAT		 -0.07 0.92 -2.33 -2.30 -3.13 -0.14 -1.56 -2.75 -2.85 -5.53
Long-Term Debt to NOPAT		 0.51 2.56 0.77 0.59 0.61 0.61 0.67 0.95 1.97 0.71
Noncontrolling Interest Sharing Ratio		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Liquidity Ratios		 - - - - - - - - - -
Cash Flow Metrics		 - - - - - - - - - -
Free Cash Flow to Firm (FCFF)		 -14 -102 -33 -23 -19 48 -8.39 -32 -59 -78
Operating Cash Flow to CapEx		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Free Cash Flow to Firm to Interest Expense		 -8.32 -16.61 -3.73 -2.34 -1.75 3.99 -0.63 -2.38 -4.11 -4.47
Operating Cash Flow to Interest Expense		 9.52 0.98 1.16 0.86 2.06 0.51 -0.26 0.95 -0.03 1.49
Operating Cash Flow Less CapEx to Interest Expense		 9.52 0.98 1.16 0.86 2.06 0.51 -0.26 0.95 -0.03 1.49
Efficiency Ratios		 - - - - - - - - - -
Asset Turnover		 0.08 0.08 0.08 0.08 0.08 0.08 0.07 0.07 0.07 0.07
Fixed Asset Turnover		 49.97 50.98 40.48 37.95 39.13 39.39 33.84 30.58 30.34 18.08
Capital & Investment Metrics		 - - - - - - - - - -
Invested Capital		 248 343 279 271 277 304 294 312 344 389
Invested Capital Turnover		 0.73 0.59 0.66 0.65 0.63 0.51 0.58 0.58 0.55 0.54
Increase / (Decrease) in Invested Capital		 25 111 43 30 29 -39 15 40 67 85
Enterprise Value (EV)		 312 361 134 164 149 325 236 191 264 299
Market Capitalization		 315 322 230 249 261 330 287 284 356 470
Book Value per Share		 $15.25 $15.94 $16.57 $16.92 $17.42 $18.34 $18.66 $19.28 $20.13 $21.45
Tangible Book Value per Share		 $15.25 $15.94 $16.57 $16.92 $17.42 $18.34 $18.66 $19.28 $20.13 $19.22
Total Capital		 248 343 279 271 277 304 294 312 344 389
Total Debt		 34 119 44 34 34 49 34 44 64 34
Total Long-Term Debt		 22 107 32 22 22 22 22 32 64 22
Net Debt		 -3.00 39 -96 -85 -112 -4.90 -51 -92 -93 -171
Capital Expenditures (CapEx)		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Net Nonoperating Expense (NNE)		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Net Nonoperating Obligations (NNO)		 34 119 44 34 34 49 34 44 64 34
Total Depreciation and Amortization (D&A)		 0.33 -0.71 0.04 0.08 0.20 0.20 0.15 0.09 0.06 0.80
Earnings Adjustments		 - - - - - - - - - -
Adjusted Basic Earnings per Share		 $0.79 $0.64 $0.69 $0.52 $0.70 $0.65 $0.47 $0.59 $0.62 $0.44
Adjusted Weighted Average Basic Shares Outstanding		 14.03M 14.02M 14.16M 14.02M 13.93M 14.00M 13.92M 13.89M 13.91M 14.58M
Adjusted Diluted Earnings per Share		 $0.77 $0.63 $0.68 $0.52 $0.70 $0.65 $0.47 $0.59 $0.62 $0.44
Adjusted Weighted Average Diluted Shares Outstanding		 14.37M 14.36M 14.27M 14.06M 14.02M 14.08M 13.92M 13.89M 13.95M 14.64M
Adjusted Basic & Diluted Earnings per Share		 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00
Adjusted Weighted Average Basic & Diluted Shares Outstanding		 14.06M 14.15M 14.04M 13.94M 13.89M 13.90M 13.89M 13.91M 16.56M 16.65M
Normalized Net Operating Profit after Tax (NOPAT)		 11 8.99 9.74 7.32 9.79 9.03 7.10 8.27 9.06 9.36
Normalized NOPAT Margin		 25.34% 22.03% 24.03% 17.41% 22.69% 22.12% 17.33% 18.81% 20.15% 16.64%
Pre Tax Income Margin		 32.96% 28.52% 31.22% 22.78% 29.64% 27.47% 21.04% 24.88% 25.56% 19.16%
Debt Service Ratios		 - - - - - - - - - -
EBIT to Interest Expense		 8.68 1.89 1.41 0.98 1.17 0.93 0.65 0.81 0.81 0.61
NOPAT to Interest Expense		 6.67 1.46 1.09 0.75 0.90 0.75 0.49 0.61 0.61 0.43
EBIT Less CapEx to Interest Expense		 8.68 1.89 1.41 0.98 1.17 0.93 0.65 0.81 0.81 0.61
NOPAT Less CapEx to Interest Expense		 6.67 1.46 1.09 0.75 0.90 0.75 0.49 0.61 0.61 0.43
Payout Ratios		 - - - - - - - - - -
Dividend Payout Ratio		 6.83% 7.38% 7.83% 9.10% 10.19% 10.93% 12.80% 13.26% 14.57% 17.03%
Augmented Payout Ratio		 6.83% 7.38% 14.41% 22.65% 29.55% 35.53% 35.75% 28.72% 24.70% 21.55%

Financials Breakdown Chart

Key Financial Trends

Capital Bancorp (NASDAQ:CBNK) has demonstrated solid financial growth over the past two years, with several key financial trends emerging from its most recent quarterly statements.

  • Net interest income has consistently increased, reaching $44.3 million in Q4 2024, up from $35.2 million in Q1 2023 and $34.9 million in Q4 2022, indicating strong core earnings from lending activities.
  • The company’s net income has grown steadily, achieving $7.5 million in Q4 2024 compared to $6.6 million in Q1 2024 and $9.0 million in Q4 2022, showing profitability improvements despite some quarterly fluctuations.
  • Total deposits have increased significantly, with net changes of $116.8 million in Q4 2024 and $109.7 million in Q1 2024, supporting asset growth and funding stability.
  • Provision for credit losses has risen moderately but remains manageable, increasing to around $8.1 million in Q4 2024 from lower levels in prior quarters, reflecting cautious credit risk management in a changing economic environment.
  • Capital levels have strengthened, as total common equity rose to $280.1 million by Q3 2024 from $259.5 million at the beginning of 2024, bolstering the company’s financial resilience.
  • The bank has maintained a consistent dividend policy, increasing cash dividends per share slightly over time (from $0.06 to $0.10 per share in recent quarters), which may attract income-focused investors.
  • Non-interest income has fluctuated, with significant swings particularly in other service charges and other non-interest income, which includes some notable negative figures in 2023, suggesting volatility in fee-related earnings.
  • Non-interest expenses, including salaries, occupancy, and marketing, have increased steadily to $37.5 million in Q4 2024, which may reflect operational expansion but also requires monitoring to ensure cost efficiency.
  • Despite improvements in earnings, net cash from operating activities has shown volatility, including a negative $464,000 in Q3 2024, which could indicate working capital or receivables management challenges in some periods.
  • Significant net cash outflows from investing activities have persisted, with purchases of investment securities exceeding sales in multiple quarters, resulting in negative cash flow from investing of $63.1 million in Q4 2024, potentially impacting liquidity if not matched by financing inflows.

Overall, Capital Bancorp displays solid fundamental growth in income and deposits, reflecting successful banking operations and expansion. However, investors should watch non-interest income volatility, higher operating expenses, and cash flow from investing trends, which might affect future profitability and liquidity. Consistent dividend payments and growing equity base offer additional support for shareholder value.

10/17/25 10:48 PM ETAI Generated. May Contain Errors.

Frequently Asked Questions About Capital Bancorp's Financials

When does Capital Bancorp's financial year end?

According to the most recent income statement we have on file, Capital Bancorp's fiscal year ends in December. Their fiscal year 2024 ended on December 31, 2024.

How has Capital Bancorp's net income changed over the last 2 years?

Capital Bancorp's net income appears to be on a downward trend, with a most recent value of $30.97 million in 2024, falling from $41.80 million in 2022. The previous period was $35.87 million in 2023. See where experts think Capital Bancorp is headed by visiting Capital Bancorp's forecast page.

How has Capital Bancorp's revenue changed over the last 2 years?

Over the last 2 years, Capital Bancorp's total revenue changed from $169.98 million in 2022 to $186.16 million in 2024, a change of 9.5%.

How much debt does Capital Bancorp have?

Capital Bancorp's total liabilities were at $2.85 billion at the end of 2024, a 44.7% increase from 2023, and a 50.1% increase since 2022.

How much cash does Capital Bancorp have?

In the past 2 years, Capital Bancorp's cash and equivalents has ranged from $14.51 million in 2023 to $25.43 million in 2024, and is currently $25.43 million as of their latest financial filing in 2024.

How has Capital Bancorp's book value per share changed over the last 2 years?

Over the last 2 years, Capital Bancorp's book value per share changed from 15.94 in 2022 to 21.45 in 2024, a change of 34.6%.


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This page (NASDAQ:CBNK) was last updated on 10/17/2025 by MarketBeat.com Staff
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