Capital Bancorp (CBNK) Financials

$27.63 +0.38 (+1.39%)

Closing price 04/17/2025 04:00 PM Eastern

Extended Trading

$27.63 0.00 (0.00%)

As of 04/17/2025 04:05 PM Eastern

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

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

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

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

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

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

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

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

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

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

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.

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 4/18/2025 by MarketBeat.com Staff

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Capital Bancorp (CBNK) Financials

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Capital Bancorp (CBNK) Financials

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