Capital Bancorp (CBNK) Competitors

Bank of N.T. Butterfield & Son (NYSE:NTB) and Capital Bancorp (NASDAQ:CBNK) are both small-cap finance companies, but which is the superior business? We will contrast the two companies based on the strength of their profitability, institutional ownership, dividends, valuation, media sentiment, analyst recommendations, community ranking, earnings and risk.

Does the MarketBeat Community believe in NTB or CBNK?

Bank of N.T. Butterfield & Son received 196 more outperform votes than Capital Bancorp when rated by MarketBeat users. Likewise, 63.98% of users gave Bank of N.T. Butterfield & Son an outperform vote while only 53.54% of users gave Capital Bancorp an outperform vote.

Company	Underperform	Outperform
Bank of N.T. Butterfield & Son	Outperform Votes 302 63.98%	Underperform Votes 170 36.02%
Capital Bancorp	Outperform Votes 106 53.54%	Underperform Votes 92 46.46%

Is NTB or CBNK more profitable?

Bank of N.T. Butterfield & Son has a net margin of 26.51% compared to Capital Bancorp's net margin of 12.66%. Bank of N.T. Butterfield & Son's return on equity of 21.46% beat Capital Bancorp's return on equity.

Company	Net Margins	Return on Equity	Return on Assets
Bank of N.T. Butterfield & Son	26.51%	21.46%	1.56%
Capital Bancorp	12.66%	14.89%	1.64%

Do institutionals and insiders hold more shares of NTB or CBNK?

62.7% of Bank of N.T. Butterfield & Son shares are held by institutional investors. Comparatively, 56.1% of Capital Bancorp shares are held by institutional investors. 1.2% of Bank of N.T. Butterfield & Son shares are held by insiders. Comparatively, 32.5% of Capital Bancorp shares are held by insiders. Strong institutional ownership is an indication that endowments, hedge funds and large money managers believe a company will outperform the market over the long term.

Do analysts recommend NTB or CBNK?

Bank of N.T. Butterfield & Son presently has a consensus price target of $40.80, indicating a potential upside of 4.16%. Capital Bancorp has a consensus price target of $34.50, indicating a potential upside of 21.56%. Given Capital Bancorp's higher possible upside, analysts clearly believe Capital Bancorp is more favorable than Bank of N.T. Butterfield & Son.

Company	Sell Ratings	Hold Ratings	Buy Ratings	Strong Buy Ratings	Rating Score
Bank of N.T. Butterfield & Son	0 Sell rating(s)	1 Hold rating(s)	4 Buy rating(s)	0 Strong Buy rating(s)	2.80
Capital Bancorp	0 Sell rating(s)	1 Hold rating(s)	1 Buy rating(s)	0 Strong Buy rating(s)	2.50

Does the media prefer NTB or CBNK?

In the previous week, Bank of N.T. Butterfield & Son had 4 more articles in the media than Capital Bancorp. MarketBeat recorded 9 mentions for Bank of N.T. Butterfield & Son and 5 mentions for Capital Bancorp. Bank of N.T. Butterfield & Son's average media sentiment score of 1.40 beat Capital Bancorp's score of 1.38 indicating that Bank of N.T. Butterfield & Son is being referred to more favorably in the media.

Company	Very Positive	Positive	Neutral	Negative	Very Negative	Overall Sentiment
Bank of N.T. Butterfield & Son	6 Very Positive mention(s)	1 Positive mention(s)	0 Neutral mention(s)	1 Negative mention(s)	0 Very Negative mention(s)	Positive
Capital Bancorp	4 Very Positive mention(s)	0 Positive mention(s)	1 Neutral mention(s)	0 Negative mention(s)	0 Very Negative mention(s)	Positive

Which has preferable earnings & valuation, NTB or CBNK?

Bank of N.T. Butterfield & Son has higher revenue and earnings than Capital Bancorp. Bank of N.T. Butterfield & Son is trading at a lower price-to-earnings ratio than Capital Bancorp, indicating that it is currently the more affordable of the two stocks.

Company	Gross Revenue	Price/Sales Ratio	Net Income	Earnings Per Share	Price/Earnings Ratio
Bank of N.T. Butterfield & Son	$581.98M	3.20	$216.30M	$4.72	8.30
Capital Bancorp	$183.73M	2.57	$30.97M	$2.13	13.32

Is NTB or CBNK a better dividend stock?

Bank of N.T. Butterfield & Son pays an annual dividend of $1.76 per share and has a dividend yield of 4.5%. Capital Bancorp pays an annual dividend of $0.40 per share and has a dividend yield of 1.4%. Bank of N.T. Butterfield & Son pays out 37.3% of its earnings in the form of a dividend. Capital Bancorp pays out 18.8% of its earnings in the form of a dividend. Both companies have healthy payout ratios and should be able to cover their dividend payments with earnings for the next several years.

Which has more volatility and risk, NTB or CBNK?

Bank of N.T. Butterfield & Son has a beta of 0.82, indicating that its share price is 18% less volatile than the S&P 500. Comparatively, Capital Bancorp has a beta of 0.52, indicating that its share price is 48% less volatile than the S&P 500.

Summary

Bank of N.T. Butterfield & Son beats Capital Bancorp on 15 of the 20 factors compared between the two stocks.