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Capital Bancorp, Inc. operates as the bank holding company for Capital Bank, N.A., provides various banking products and services to businesses, not-for-profit associations, and entrepreneurs in the United States. It operates through four divisions: Commercial Banking, Capital Bank Home Loans, OpenSky, Windsor Advantage. The company offers a range of deposit products, including checking and savings, time, interest bearing and noninterest-bearing demand, and money market accounts, as well as certificates of deposit; and secured, partially secured, and unsecured credit cards. It also originates residential mortgages; issues trust preferred securities; and provides residential and commercial real estate, construction, and commercial and industrial loans; servicing, processing, and packaging of Small Business Administration and U.S. Department of Agriculture 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, small residential builders and individuals, and financial institution clients, including Capital Bank. Capital Bancorp, Inc. was founded in 1974 and is headquartered in Rockville, Maryland.
5-year financial trends. Figures in USD millions.
Latest fiscal year: 2025
Year-by-year revenue, profitability, and cash flow (USD millions, last 10 years)
| Year | Revenue | EBITDA | Net Profit | FCF | ROE | Rev Growth 1Y | NP Growth 1Y |
|---|---|---|---|---|---|---|---|
| 2025 | $241M | - | $57M | $67M | 14.2% | 31.3% | 84.6% |
| 2024 | $184M | - | $31M | $33M | 8.7% | 11.4% | -13.7% |
| 2023 | $165M | - | $36M | $45M | 14.1% | -2.0% | -14.2% |
| 2022 | $168M | - | $42M | $50M | 18.7% | - | - |
| 2021 | - | - |
Income statement, balance sheet, and cash flow as reported
Consolidated Figures in USD Millions.
| Metric | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|---|
| Total Revenue | - | 168.28 | 164.87 | 183.72 | 241.19 |
| Operating Revenue | - | 168.28 | 164.87 | 183.72 | 241.19 |
| Selling General And Administration | - | 49.12 | 54.92 | 62.40 | 78.43 |
| Interest Income | - | 150.65 | 183.21 | 213.30 | 260.87 |
| Interest Expense | - | 10.04 | 41.68 | 58.56 | 64.88 |
| Net Interest Income | - | 140.61 | 141.53 | 154.75 | 195.99 |
| Pretax Income | - | 54.23 | 46.22 | 41.83 | 74.94 |
| Tax Provision | - | 12.43 | 10.35 | 10.86 | 17.77 |
| Tax Rate For Calcs | - | 0 | 0 | 0 | 0 |
| Tax Effect Of Unusual Items | - | 0 | 0 | -1.02 | -0.80 |
| Net Income Continuous Operations | - | 41.80 | 35.87 | 30.97 | 57.17 |
| Net Income From Continuing And Discontinued Operation | - | 41.80 | 35.87 | 30.97 | 57.17 |
| Net Income From Continuing Operation Net Minority Interest | - | 41.80 | 35.87 | 30.97 | 57.17 |
| Net Income | - | 41.80 | 35.87 | 30.97 | 57.17 |
| Net Income Common Stockholders | - | 41.80 | 35.87 | 30.97 | 57.17 |
| Net Income Including Noncontrolling Interests | - | 41.80 | 35.87 | 30.97 | 57.17 |
| Normalized Income | - | 41.80 | 35.87 | 33.88 | 59.73 |
| Diluted NI Availto Com Stockholders | - | 41.80 | 35.87 | 30.97 | 57.17 |
| Basic Average Shares | - | 14.02 | 14 | 14.58 | 16.58 |
| Diluted Average Shares | - | 14.36 | 14.08 | 14.66 | 16.77 |
| Reconciled Depreciation | - | 1.43 | 0.47 | 2.21 | 3.87 |
| Total Unusual Items | - | - | 0 | -3.93 | -3.36 |
| Total Unusual Items Excluding Goodwill | - | - | 0 | -3.93 | -3.36 |
| Special Income Charges | - | - | 0 | -3.93 | -3.36 |
| Restructuring And Mergern Acquisition | - | - | 0 | 3.93 | 3.36 |
| Gain On Sale Of Security | - | 0 | 0 | -2.62 | 0 |
| General And Administrative Expense | - | 42.90 | 48.75 | 56.04 | 72.17 |
| Other Gand A | 39.24 | - | - | - | - |
| Salaries And Wages | - | 42.90 | 48.75 | 56.04 | 72.17 |
| Selling And Marketing Expense | - | 6.22 | 6.16 | 6.36 | 6.26 |
| Occupancy And Equipment | - | 4.86 | 5.67 | 8.24 | 11.39 |
| Professional Expense And Contract Services Expense | - | 11.01 | 9.27 | 7.85 | 10.96 |
| Other Non Interest Expense | - | 42.42 | 39.28 | 41.37 | 46.95 |
Financial Services sector peers, ranked by market cap
| Company | Ticker | Market Cap | P/E | P/B | ROE | EV/EBITDA |
|---|---|---|---|---|---|---|
| Capital Bancorp, Inc.this co. | CBNK | $531M | 9.29↓ discount | 1.32 | 14.2% | - |
| Civista Bancshares, Inc. | CIVB | $542M | 11.73 | 1.00 | 8.5% | - |
| Unity Bancorp, Inc. | UNTY | $539M | 9.31 | 1.56 | 16.8% | - |
| Bridgewater Bancshares, Inc. | BWB | $532M | 11.54 | 1.18 | 10.2% | - |
| Flushing Financial Corporation | FFIC | $524M |
| - |
| - |
| - |
| - |
| - |
| 27.76 |
| 0.74 |
| 2.7% |
| - |
| Better Home & Finance Holding Company | BETR | $521M | -3.14 | 14.01 | -446.1% | -7.65 |
| Kearny Financial Corp. | KRNY | $518M | 19.86 | 0.69 | 3.5% | - |
| Chaince Digital Holdings Inc. | CD | $517M | -101.45 | 11.75 | -11.6% | -131.93 |
| Home Bancorp, Inc. | HBCP | $513M | 11.14 | 1.18 | 10.6% | - |
| Peer Median | - | 11.34 | 1.18 | 6.0% | -69.79 | |