Capital Bancorp, Inc. (CBNK) Stock

Capital Bancorp, Inc. (CBNK) is a Financials stock trading at $36.54 (as of 2026-08-21), with a market capitalization of $595.25M and a trailing P/E of 11.2. Figures are sourced from first-party U.S. SEC EDGAR filings and market data.

Capital Bancorp, Inc. is the bank holding company for Capital Bank, N.A., providing deposit products and lending services through Commercial Banking, Capital Bank Home Loans, and OpenSky. Its customers include businesses, not-for-profit organizations, and entrepreneurs in the United States, with services delivered via commercial bank branches and mortgage and loan production offices.

Understand Capital Bancorp, Inc.: how it makes money

Capital Bancorp is the bank holding company for Capital Bank, N.A., providing deposit products and lending to businesses, not-for-profit associations, and entrepreneurs in the United States, including commercial banking, home loans, and an OpenSky credit card program. It makes money by funding loans and credit card receivables with customer deposits and earning related fee income.

Bank profitability is mainly driven by how the company turns its deposit base into interest-earning loan and credit card balances, while credit quality pressures show up in nonperforming assets, nonaccrual loans, and special mention loans.

Business quality (Solid): Investor focus for this quarter is on deposit scale and deposit protection, plus asset quality indicators. The provided operational view includes several asset-quality measures (nonperforming assets, nonaccrual loans, special mention loans) and shows net charge-offs at 0.0, but it also shows nonperforming and special mention balances that can become future credit costs. Segment-level revenue mapping to official segments is not provided in the facts here.

Valuation: At 10× earnings, CBNK trades 21% below the Banking average (13×). Note: one-time items can distort reported P/E.

Bull case

Net charge-offs are reported at 0.0: This suggests limited realized credit losses in the latest quarter relative to the asset-quality indicators tracked.
Deposits have a meaningful insured and protected share: Insured and Protected Deposits Percentage is 67.0, which can reduce funding risk compared with uninsured deposits.
OpenSky remains an active product line: OpenSky Deposit Balances are 0.17 USD_B and OpenSky Credit Card Accounts are 588200, indicating ongoing customer activity and funded balances.

Bear case

Asset quality is not pristine: Nonperforming Assets are 0.06 USD_B and Nonaccrual Loans are 0.04 USD_B, which can lead to higher future credit costs or impaired earnings.
A pipeline of weaker credits exists: Special Mention Loans are 0.07 USD_B, indicating credits that may migrate to worse categories.
Some revenue lines appear minimal: Government lending and government loan servicing revenue KPIs provided are 0.0, so earnings sensitivity is more likely tied to core deposit, lending, and OpenSky-related performance.

Valuation — source: SEC EDGAR (first-party)
Price	$36.54
Market Cap	$595.25M
P/E Ratio	11.2
EV / EBITDA	3.6
Price / Book	1.41
Price / Sales	2.20
DCF Value (model)	$76.40
DCF Upside vs Price	109.1%

Profitability & Growth — source: SEC EDGAR
Revenue (TTM)	$260.87M
Net Margin	21.9%
Revenue Growth (YoY)	22.3%
EPS Growth (YoY)	62.7%

Valuation vs Sector & Industry
Stock P/E	11.2
Sector P/E (Financials)	15.1
Industry P/E (Banking)	12.9
vs Sector	-26.3%
vs Industry	-13.6%

Smart-Money Activity — SEC Form 4 / 13F / Congressional disclosures
Top Institutional Holder	BlackRock, Inc. ($21.47M)
Institutional Holders Tracked	10

Company
Sector	Financials
Industry	Banking
CEO	Edward F. Barry
Employees	389
Country	US
IPO Date	2018-09-26

Related Companies (Business model: Universal / Commercial Bank; 8 closest by market cap; US-domiciled)

Data as of 2026-08-21.

Figures sourced from U.S. Securities and Exchange Commission (SEC EDGAR) filings and market data. Not personalized investment advice.