Capital Bancorp, Inc. is a holding company, which engages in the provision of commercial and consumer banking services through its subsidiary, Capital Bank, NA. The company is headquartered in Rockville, Maryland. The company went IPO on 2018-09-26. (Capital Bank), a commercial-focused community bank. The company operates four divisions: Commercial Banking, Capital Bank Home Loans (CBHL), OpenSky, and Windsor Advantage. The Commercial Banking division operates primarily in the Washington, D.C. and Baltimore metropolitan areas and focuses on providing personalized service to commercial clients. Capital Bank Home Loans and OpenSky both leverage Capital Bank’s national banking charter to operate national consumer business lines. Capital Bank Home Loans acts as its residential mortgage origination platform and OpenSky provides nationwide, digitally originated and served, secured, partially secured, and unsecured credit cards to under-banked populations. The Windsor Advantage division is engaged in servicing, processing and packaging of SBA and USDA loans for its financial institution clients.
Financials in millions USD. Fiscal year is February - January.
Breakdown
TTM
12/31/2025
12/31/2024
12/31/2023
12/31/2022
12/31/2021
Revenue
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Revenue Growth (YoY)
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Cost of Revenue
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Gross Profit
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Selling, General & Admin
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Research & Development
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Operating Expenses
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Other Non Operating Income (Expenses)
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Pretax Income
74
74
41
46
54
53
Income Tax Expense
17
17
10
10
12
13
Net Income
57
57
30
35
41
40
Net Income Growth
90%
90%
-14%
-15%
3%
60%
Shares Outstanding (Diluted)
16.49
16.76
14.64
14.08
14.4
14.1
Shares Change (YoY)
-2%
15%
4%
-2%
2%
2%
EPS (Diluted)
3.46
3.4
2.11
2.54
2.91
2.84
EPS Growth
89%
61%
-17%
-12%
2%
52%
Free Cash Flow
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32
45
49
132
Free Cash Flow Per Share
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Gross Margin
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Operating Margin
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Profit Margin
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Free Cash Flow Margin
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EBITDA
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EBITDA Margin
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D&A For EBITDA
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0
0
0
0
EBIT
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EBIT Margin
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Effective Tax Rate
22.97%
22.97%
24.39%
21.73%
22.22%
24.52%
Follow-Up Questions
What are Capital Bancorp Inc's key financial statements?
According to the latest financial statement (Form-10K), Capital Bancorp Inc has a total asset of $3,606, Net profit of $57
What are the key financial ratios for CBNK?
Capital Bancorp Inc's Current ratio is 1.12, has a Net margin is 0, sales per share of $0.
How is Capital Bancorp Inc's revenue broken down by segment or geography?
Capital Bancorp Inc largest revenue segment is Commercial Bank, at a revenue of 96,582,000 in the most earnings release.For geography, United States is the primary market for Capital Bancorp Inc, at a revenue of 186,156,000.
Is Capital Bancorp Inc profitable?
yes, according to the latest financial statements, Capital Bancorp Inc has a net profit of $57
Does Capital Bancorp Inc have any liabilities?
yes, Capital Bancorp Inc has liability of 3,204
How many outstanding shares for Capital Bancorp Inc?
Capital Bancorp Inc has a total outstanding shares of 16.38