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Capital Bancorp (CBNK) Financials

Capital Bancorp logo
$32.04 -0.39 (-1.20%)
Closing price 05/23/2025 04:00 PM Eastern
Extended Trading
$32.04 0.00 (0.00%)
As of 05/23/2025 05:32 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 2024 2023 2022
Period end date 12/31/2024 12/31/2023 12/31/2022
Net Income / (Loss) Attributable to Common Shareholders		 31 36 42
Consolidated Net Income / (Loss)		 31 36 42
Net Income / (Loss) Continuing Operations		 31 36 42
Total Pre-Tax Income 		42 46 54
Total Revenue		 186 167 170
Net Interest Income / (Expense)		 155 142 141
Total Interest Income		 213 183 151
Loans and Leases Interest Income		 203 175 144
Investment Securities Interest Income		 5.44 4.82 3.91
Federal Funds Sold and Securities Borrowed Interest Income		 4.95 3.63 2.33
Total Interest Expense		 59 42 10
Deposits Interest Expense		 56 40 7.61
Long-Term Debt Interest Expense		 2.39 2.06 2.43
Total Non-Interest Income		 31 25 29
Other Service Charges		 34 25 29
Other Non-Interest Income		 -2.62 0.00 -
Provision for Credit Losses		 18 9.51 6.63
Total Non-Interest Expense		 126 111 109
Salaries and Employee Benefits		 56 49 43
Net Occupancy & Equipment Expense		 36 31 34
Marketing Expense		 6.36 6.16 6.22
Other Operating Expenses		 24 24 26
Restructuring Charge		 3.93 0.00 -
Income Tax Expense		 11 10 12
Basic Earnings per Share		 $2.12 $2.56 $2.98
Weighted Average Basic Shares Outstanding		 14.58M 14.00M 14.02M
Diluted Earnings per Share		 $2.12 $2.55 $2.91
Weighted Average Diluted Shares Outstanding		 14.64M 14.08M 14.36M
Weighted Average Basic & Diluted Shares Outstanding		 16.65M 13.90M 14.15M
Cash Dividends to Common per Share		 $0.36 $0.28 $0.22

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

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

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

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

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

Annual Metrics And Ratios for Capital Bancorp

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

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

Quarterly Metrics And Ratios for Capital Bancorp

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

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

Frequently Asked Questions About Capital Bancorp's Financials

When does Capital Bancorp's fiscal year end?

According to the most recent income statement we have on file, Capital Bancorp's financial year ends in December. Their financial 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. Check out Capital Bancorp's forecast to explore projected trends and price targets.

How has Capital Bancorp 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 5/25/2025 by MarketBeat.com Staff
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