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Capital Bancorp

Nasdaq:CBNK
Snowflake Description

Flawless balance sheet and good value.

The Snowflake is generated from 30 checks in 5 different areas, read more below.
CBNK
Nasdaq
$167M
Market Cap
  1. Home
  2. US
  3. Banks
Company description

Capital Bancorp, Inc. operates as the bank holding company for Capital Bank, N.A. The last earnings update was 70 days ago. More info.


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CBNK Share Price and Events
7 Day Returns
-1.8%
NasdaqGS:CBNK
-0%
US Banks
-1.2%
US Market
1 Year Returns
-
NasdaqGS:CBNK
-8%
US Banks
3.3%
US Market
CBNK Shareholder Return
  7 Day 30 Day 90 Day 1 Year 3 Year 5 Year
Capital Bancorp (CBNK) -1.8% 2.9% 6.6% - - -
US Banks -0% 2.7% -0.8% -8% 45.6% 46.1%
US Market -1.2% 0.8% 0.9% 3.3% 35.9% 41.7%
1 Year Return vs Industry and Market
  • No trading data on CBNK.
  • No trading data on CBNK.
Price Volatility
Industry
5yr Volatility vs Market

CBNK Value

 Is Capital Bancorp undervalued based on future cash flows and its price relative to the stock market?

Value is all about what a company is worth versus what price it is available for. If you went into a grocery store and all the bananas were on sale at half price, they could be considered undervalued.
INTRINSIC VALUE BASED ON FUTURE CASH FLOWS
Here we compare the current share price of Capital Bancorp to its discounted cash flow analysis.value.

The discounted cash flow value is simply looking at what the company is worth today, based on estimates of how much money it is expected to make in the future.
Raw Data

Below are the data sources, inputs and calculation used to determine the intrinsic value for Capital Bancorp.

NasdaqGS:CBNK Discounted Cash Flow Data Sources
Data Point Source Value
Valuation Model Excess Returns Model
Stable EPS Median Return on Equity from the past 5 years.
= Stable Book Value * Return on Equity
= $10.22 * 9.9%
$1.01
Book Value of Equity per Share Weighted future Book Value estimates from 2 analysts. $10.22
Discount Rate (Cost of Equity) See below 7.5%
Perpetual Growth Rate 10-Year US Government Bond Rate 2.7%

An important part of a discounted cash flow is the discount rate, below we explain how it has been calculated.

Calculation of Discount Rate/ Cost of Equity for NasdaqGS:CBNK
Data Point Calculation/ Source Result
Risk-Free Rate 10-Year US Govt Bond Rate 2.7%
Equity Risk Premium S&P Global 6%
Banks Unlevered Beta Simply Wall St/ S&P Global 0.6
Re-levered Beta = Unlevered beta (1 + (1- tax rate) (Debt/Equity))
= 0.597 (1 + (1- 21%) (14.25%))
0.775
Levered Beta Levered Beta limited to 0.8 to 2.0
(practical range for a stable firm)
0.8
Discount Rate/ Cost of Equity = Cost of Equity = Risk Free Rate + (Levered Beta * Equity Risk Premium)
= 2.73% + (0.8 * 5.96%)
7.5%

Discounted Cash Flow Calculation for NasdaqGS:CBNK using Excess Returns Model Model

The calculations below outline how an intrinsic value for Capital Bancorp is arrived at using the Excess Return Model. This approach is used for finance firms where free cash flow is difficult to estimate.

In the Excess Return Model the value of a firm can be written as the sum of capital invested currently in the firm and the present value of excess returns that the firm expects to make in the future.

The model is sensitive to the Return on Equity of the company versus the Cost of Equity, how these are calculated is detailed below the main calculation.

Note the calculations below are per share.

See our documentation to learn about this calculation.

NasdaqGS:CBNK Value of Excess Returns
Calculation Result
Excess Returns = (Stable Return on equity – Cost of equity) (Book Value of Equity per share)
= (9.9% – 7.5%) * $10.22)
$0.25
Terminal Value of Excess Returns = Excess Returns / (Cost of Equity - Expected Growth Rate)
= $0.25 / (7.5% - 2.73%)
$5.21
Value of Equity = Book Value per share + Terminal Value of Excess Returns
= $10.22 + $5.21
$15.43
NasdaqGS:CBNK Discount to Share Price
Calculation Result
Value per share (USD) From above. $15.43
Current discount Discount to share price of $12.18
= -1 x ($12.18 - $15.43) / $15.43
21.1%

Learn more about our DCF calculations in Simply Wall St’s analysis model .

Current Discount
Amount off the current price Capital Bancorp is available for.
Intrinsic value
21%
Share price is $12.18 vs Future cash flow value of $15.43
Current Discount Checks
For Capital Bancorp to be considered undervalued it must be available for at least 20% below the current price. Less than 40% is even better.
  • Capital Bancorp's share price is below the future cash flow value, and at a moderate discount (> 20%).
  • Capital Bancorp's share price is below the future cash flow value, but not at a substantial discount (< 40%).
PRICE RELATIVE TO MARKET
We can also value a company based on what the stock market is willing to pay for it. This is similar to the price of fruit (e.g. Mangoes or Avocados) increasing when they are out of season, or how much your home is worth.

The amount the stock market is willing to pay for Capital Bancorp's earnings, growth and assets is considered below, and whether this is a fair price.
Price based on past earnings
Are Capital Bancorp's earnings available for a low price, and how does this compare to other companies in the same industry?
Raw Data
NasdaqGS:CBNK PE (Price to Earnings) Ratio Data Sources
Data Point Source Value
Earnings Per Share * Company Filings (2019-03-31) in USD $1.04
NasdaqGS:CBNK Share Price ** NasdaqGS (2019-07-22) in USD $12.18
United States of America Banks Industry PE Ratio Median Figure of 595 Publicly-Listed Banks Companies 12.72x
United States of America Market PE Ratio Median Figure of 3,082 Publicly-Listed Companies 17.86x

* Trailing twelve months (TTM) annual GAAP earnings per share excluding extraordinary items.

** Primary Listing of Capital Bancorp.

NasdaqGS:CBNK PE (Price to Earnings) Ratio Calculation
Calculation Outcome
PE Ratio

= NasdaqGS:CBNK Share Price ÷ EPS (both in USD)

= 12.18 ÷ 1.04

11.77x

Learn more about our ratios and growth rates in Simply Wall St’s analysis model >

  • Capital Bancorp is good value based on earnings compared to the US Banks industry average.
  • Capital Bancorp is good value based on earnings compared to the United States of America market.
Price based on expected Growth
Does Capital Bancorp's expected growth come at a high price?
Raw Data
NasdaqGS:CBNK PEG (Price to Earnings to Growth) Ratio Data Sources
Data Point Source Value
PE Ratio See PE Ratio Section 11.77x
Net Income Annual Growth Rate See Future Growth Section.
Line of Best Fit* through Consensus Estimate Earnings of 2 Analysts
12.7%per year
United States of America Banks Industry PEG Ratio Median Figure of 271 Publicly-Listed Banks Companies 1.19x
United States of America Market PEG Ratio Median Figure of 2,119 Publicly-Listed Companies 1.57x

*Line of best fit is calculated by linear regression .

NasdaqGS:CBNK PEG (Price to Earnings to Growth) Ratio Calculation
Calculation Outcome
PEG Ratio

= PE Ratio ÷ Net Income Annual Growth Rate

= 11.77x ÷ 12.7%

0.92x

Learn more about our ratios and growth rates in Simply Wall St’s analysis model >

  • Capital Bancorp is good value based on expected growth next year.
Price based on value of assets
What value do investors place on Capital Bancorp's assets?
Raw Data
NasdaqGS:CBNK PB (Price to Book) Ratio Data Sources
Data Point Source Value
Book Value per Share Company Filings (2019-03-31) in USD $8.65
NasdaqGS:CBNK Share Price * NasdaqGS (2019-07-22) in USD $12.18
United States of America Banks Industry PB Ratio Median Figure of 595 Publicly-Listed Banks Companies 1.2x
United States of America Market PB Ratio Median Figure of 5,248 Publicly-Listed Companies 1.79x
NasdaqGS:CBNK PB (Price to Book) Ratio Calculation
Calculation Outcome
PB Ratio

= NasdaqGS:CBNK Share Price ÷ Book Value per Share (both in USD)

= 12.18 ÷ 8.65

1.41x

* Primary Listing of Capital Bancorp.

Learn more about our ratios and growth rates in Simply Wall St’s analysis model >

  • Capital Bancorp is overvalued based on assets compared to the US Banks industry average.
X
Value checks
We assess Capital Bancorp's value by looking at:
  1. Is the discounted cash flow value less than 20%, or 40% of the share price? (2 checks) ( Click here or on bar chart for details of DCF calculation. )
  2. Is the PE ratio less than the market average, and/ or less than the Banks industry average (and greater than 0)? (2 checks)
  3. Is the PEG ratio within a reasonable range (0 to 1)? (1 check)
  4. Is the PB ratio less than the Banks industry average (and greater than 0)? (1 check)
  5. Capital Bancorp has a total score of 4/6, see the detailed checks below.

    Note: We use GAAP Earnings per Share in all our calculations including PE and PEG Ratio.

    Full details on the Value part of the Simply Wall St company analysis model.

CBNK Future Performance

 How is Capital Bancorp expected to perform in the next 1 to 3 years based on estimates from 2 analysts?

The future performance of a company is measured in the same way as past performance, by looking at estimated growth and how much profit it is expected to make.

Future estimates come from professional analysts. Just like forecasting the weather, they don’t always get it right!
Annual Growth Rate
12.7%
Expected annual growth in earnings.
Earnings growth vs Low Risk Savings
Is Capital Bancorp expected to grow at an attractive rate?
  • Capital Bancorp's earnings growth is expected to exceed the low risk savings rate of 2.7%.
Growth vs Market Checks
  • Capital Bancorp's earnings growth is positive but not above the United States of America market average.
  • Capital Bancorp's revenue growth is expected to exceed the United States of America market average.
Annual Growth Rates Comparison
Raw Data
NasdaqGS:CBNK Future Growth Rates Data Sources
Data Point Source Value (per year)
NasdaqGS:CBNK Future Earnings Growth Rate Line of Best Fit* through Consensus Estimate Earnings of 2 Analysts 12.7%
NasdaqGS:CBNK Future Revenue Growth Rate Line of Best Fit* through Consensus Estimate Revenue of 2 Analysts 14.7%
United States of America Banks Industry Earnings Growth Rate Market Cap Weighted Average 1.8%
United States of America Banks Industry Revenue Growth Rate Market Cap Weighted Average 3.5%
United States of America Market Earnings Growth Rate Market Cap Weighted Average 14%
United States of America Market Revenue Growth Rate Market Cap Weighted Average 7.4%

*Line of best fit is calculated by linear regression .

Industry and Market average data is calculated daily.

Learn more about our growth rate calculations in Simply Wall St’s analysis model.

Analysts growth expectations
Raw Data
NasdaqGS:CBNK Analysts Growth Expectations Data Sources
Data Point Source Value
Past Financials Company Filings (3 months ago) See Below
Future Estimates Average of up to 2 Analyst Estimates (S&P Global) See Below
All numbers in USD Millions and using Trailing twelve months (TTM) annual period rather than quarterly.
NasdaqGS:CBNK Future Estimates Data
Date (Data in USD Millions) Revenue Cash Flow Net Income * Avg. No. Analysts
2020-12-31 94 17 1
2019-12-31 82 15 1
NasdaqGS:CBNK Past Financials Data
Date (Data in USD Millions) Revenue Cash Flow Net Income *
2019-03-31 73 17 13
2018-12-31 72 28 13
2018-09-30 69 25 9
2018-06-30 68 27 9
2018-03-31 65 36 8
2017-12-31 61 35 7
2016-12-31 59 8 9

*GAAP earnings excluding extraordinary items.

Super high growth metrics
High Growth Checks
  • Capital Bancorp's earnings are expected to grow by 12.7% yearly, however this is not considered high growth (20% yearly).
  • Capital Bancorp's revenue is expected to grow by 14.7% yearly, however this is not considered high growth (20% yearly).
Past and Future Earnings per Share
The accuracy of the analysts who estimate the future performance data can be gauged below. We look back 3 years and see if they were any good at predicting what actually occurred. We also show the highest and lowest estimates looking forward to see if there is a wide range.
Raw Data
NasdaqGS:CBNK Past and Future Earnings per Share
Data Point Source Value
Past Financials Company Filings (3 months ago) See Below
Future Estimates Average of up to 2 Analyst Estimates (S&P Global) See Below

All data from Capital Bancorp Company Filings, last reported 3 months ago, and in Trailing twelve months (TTM) annual period rather than quarterly.

NasdaqGS:CBNK Future Estimates Data
Date (Data in USD Millions) EPS * EPS High Estimate EPS Low Estimate Avg. No. Analysts
2020-12-31 1.20 1.24 1.18 4.00
2019-12-31 1.08 1.08 1.08 3.00
NasdaqGS:CBNK Past Financials Data
Date (Data in USD Millions) EPS *
2019-03-31 1.04
2018-12-31 1.05
2018-09-30 0.75
2018-06-30 0.73
2018-03-31 0.67
2017-12-31 0.63
2016-12-31 0.85

*GAAP earnings excluding extraordinary items.

Performance in 3 years
In the same way as past performance we look at the future estimated return (profit) compared to the available funds. We do this looking forward 3 years.
  • Unable to establish if Capital Bancorp will efficiently use shareholders’ funds in the future without estimates of Return on Equity.
X
Future performance checks
We assess Capital Bancorp's future performance by looking at:
  1. Is the annual earnings growth rate expected to beat the low risk savings rate, plus a premium to keep pace with inflation?
  2. Is the annual earnings growth rate expected to beat the average growth rate in earnings of the United States of America market? (1 check)
  3. Is the annual revenue growth rate expected to beat the average growth rate in revenue of the United States of America market? (1 check)
  4. Is the annual earnings growth rate expected to be above 20%? (1 check)
  5. Is the annual revenue growth rate expected to be above 20%? (1 check)
  6. Is the Return on Equity in 3 years expected to be over 20%? (1 check)
Some of the above checks will fail if the company is expected to be loss making in the relevant year.
Capital Bancorp has a total score of 2/6, see the detailed checks below.

Note 1: We use GAAP Net Income Excluding Exceptional Items for our Earnings in all our calculations.

Full details on the Future part of the Simply Wall St company analysis model.

CBNK Past Performance

  How has Capital Bancorp performed over the past 5 years?

The past performance of a company can be measured by how much growth it has experienced and how much profit it makes relative to the funds and assets it has available.
Past earnings growth
Below we compare Capital Bancorp's growth in the last year to its industry (Banks).
Past Earnings growth analysis
We also check if the company has grown in the past 5 years, and whether it has maintained that growth in the year.
  • Capital Bancorp's year on year earnings growth rate has been positive over the past 5 years.
  • Capital Bancorp's 1-year earnings growth exceeds its 5-year average (69.2% vs 13.3%)
  • Capital Bancorp's earnings growth has exceeded the US Banks industry average in the past year (69.2% vs 37.8%).
Earnings and Revenue History
Capital Bancorp's revenue and profit over the past 5 years is shown below, any years where they have experienced a loss will show up in red.
Raw Data

All data from Capital Bancorp Company Filings, last reported 3 months ago, and in Trailing twelve months (TTM) annual period rather than quarterly.

NasdaqGS:CBNK Past Revenue, Cash Flow and Net Income Data
Date (Data in USD Millions) Revenue Net Income * G+A Expenses R&D Expenses
2019-03-31 72.64 13.10 47.64
2018-12-31 71.87 12.77 47.25
2018-09-30 68.76 8.64 47.03
2018-06-30 67.74 8.53 44.57
2018-03-31 64.63 7.74 40.98
2017-12-31 61.41 7.11 38.79
2016-12-31 58.94 9.44 37.28
2015-12-31 47.00 7.49 30.15

*GAAP earnings excluding extraordinary items.

Performance last year
We want to ensure a company is making the most of what it has available. This is done by comparing the return (profit) to a company's available funds, assets and capital.
  • Capital Bancorp has not efficiently used shareholders’ funds last year (Return on Equity less than 20%).
  • Capital Bancorp used its assets more efficiently than the US Banks industry average last year based on Return on Assets.
  • Unable to establish if Capital Bancorp improved its use of capital last year versus 3 years ago (Return on Capital Employed) due to insufficient past data.
X
Past performance checks
We assess Capital Bancorp's performance over the past 5 years by checking for:
  1. Has earnings increased in past 5 years? (1 check)
  2. Has the earnings growth in the last year exceeded that of the Banks industry? (1 check)
  3. Is the recent earnings growth over the last year higher than the average annual growth over the past 5 years? (1 check)
  4. Is the Return on Equity (ROE) higher than 20%? (1 check)
  5. Is the Return on Assets (ROA) above industry average? (1 check)
  6. Has the Return on Capital Employed (ROCE) increased from 3 years ago? (1 check)
The above checks will fail if the company has reported a loss in the most recent earnings report. Some checks require at least 3 or 5 years worth of data.
Capital Bancorp has a total score of 4/6, see the detailed checks below.

Note: We use GAAP Net Income excluding extraordinary items in all our calculations.

Full details on the Past part of the Simply Wall St company analysis model.

CBNK Health

 How is Capital Bancorp's financial position? (This company is analysed differently as a bank or financial institution)

This company is a bank or financial institution.

Fundamentally a bank's business is based upon borrowing and lending money, for this reason they typically have high levels of debt and we analyse them differently.
Net Worth
Balance sheet
This treemap shows a more detailed breakdown of Capital Bancorp's finances. If any of them are yellow this indicates they may be out of proportion and red means they relate to one of the checks below.
Assets
Liabilities and shares
The 'shares' portion represents any funds contributed by the owners (shareholders) and any profits.
Historical Debt
Nearly all companies have debt. Debt in itself isn’t bad, however if the debt is too high, or the company can’t afford to pay the interest on its debts this may have impacts in the future.

The graphic below shows equity (available funds) and debt, we ideally want to see the red area (debt) decreasing.

If there is any debt we look at the companies capability to repay it, and whether the level has increased over the past 5 years.
Raw Data

All data from Capital Bancorp Company Filings, last reported 3 months ago.

NasdaqGS:CBNK Past Debt and Equity Data
Date (Data in USD Millions) Total Equity Total Debt Cash & Short Term Investments
2019-03-31 118.55 18.41 38.35
2018-12-31 114.56 22.73 34.72
2018-09-30 106.66 43.63 40.73
2018-06-30 86.99 29.82 68.70
2018-03-31 80.12 30.62 52.31
2017-12-31 80.12 30.62 52.31
2016-12-31 70.75 32.99 38.13
2015-12-31 59.66 47.07 20.15
BANK ANALYSIS

This company is a bank or financial institution, which is analysed accordingly below.

Below we check the amount of loans the bank has, how many of those are bad, and its ability to cover any bad loans.
  • Capital Bancorp has an acceptable proportion of non-loan assets held.
  • Capital Bancorp's liabilities are made up of primarily low risk sources of funding.
  • Loans at Capital Bancorp are broadly funded by customer deposits.
  • Capital Bancorp's level of assets compared to its equity is low (i.e. an appropriate level of borrowing to fund lending).
  • Capital Bancorp has a sufficient allowance for bad loans.
  • Capital Bancorp has an acceptable level of bad loans (less than 2%).
X
Financial health checks
We assess Capital Bancorp's financial health by checking for:
  1. Are short term assets greater than short term liabilities? (1 check)
  2. Are short term assets greater than long term liabilities? (1 check)
  3. Has the debt to equity ratio increased in the past 5 years? (1 check)
  4. Is the debt to equity ratio over 40%? (1 check)
  5. Is the debt covered by operating cash flow? (1 check)
  6. Are earnings greater than 5x the interest on debt (if company pays interest at all)? (1 check)
  7. Capital Bancorp has a total score of 6/6, see the detailed checks below.
For companies that are loss making and have been so on average in the past we replace the last 2 checks with:
  1. Does cash and short term investments cover stable operating expenses (recurring G&A and R&D) for more than 3 years? (1 check)
  2. Does cash and short term investments cover growing operating expenses (recurring G&A and R&D) for more than 3 years? (1 check)


Full details on the Health part of the Simply Wall St company analysis model.

CBNK Dividends

 What is Capital Bancorp's current dividend yield, its reliability and sustainability?

Dividends are regular cash payments to you from the company, similar to a bank paying you interest on a savings account.
Annual Dividend Income
Dividend payments
0%
Current annual income from Capital Bancorp dividends.
If you bought $2,000 of Capital Bancorp shares you are expected to receive $0 in your first year as a dividend.
Dividend Amount
Here we look how much dividend is being paid, if any. Is it above what you can get in a savings account? It is up there with the best dividend paying companies?
  • Unable to evaluate Capital Bancorp's dividend yield against the bottom 25% of dividend payers as the company has not reported any payouts.
  • Unable to evaluate Capital Bancorp's dividend against the top 25% market benchmark as the company has not reported any payouts.
Annualized Historical and Future Dividends
It is important to see if the dividend for a company is stable, and not wildly increasing/decreasing each year. This graph shows you the historical rate to count toward your assessment of the stock.

We also check to see if the dividend has increased in the past 10 years.
Raw Data
NasdaqGS:CBNK Annualized Past and Future Dividends
Data Point Source Value
Past Annualized Dividend Yield S&P Global Market Data See Below
Past Dividends per Share Company Filings/ Annualized Dividend Payments See Below
Future Dividends per Share Estimates Average of up to 2 Analyst Estimates (S&P Global) See Below
United States of America Banks Industry Average Dividend Yield Market Cap Weighted Average of 480 Stocks 3.1%
United States of America Market Average Dividend Yield Market Cap Weighted Average of 2017 Stocks 2.4%
United States of America Minimum Threshold Dividend Yield 10th Percentile 0.8%
United States of America Bottom 25% Dividend Yield 25th Percentile 1.4%
United States of America Top 25% Dividend Yield 75th Percentile 3.8%

Industry and Market average data is calculated daily.

Note all dividend per share amounts are annualized and not quarterly or other period.

NasdaqGS:CBNK Future Dividends Estimate Data
Date (Data in $) Dividend per Share (annual) Avg. No. Analysts
2020-12-31
2019-12-31

Learn more about our ratios and growth rates in Simply Wall St’s analysis model >

  • Unable to perform a dividend volatility check as Capital Bancorp has not reported any payouts.
  • Unable to verify if Capital Bancorp's dividend has been increasing as the company has not reported any payouts.
Current Payout to shareholders
What portion of Capital Bancorp's earnings are paid to the shareholders as a dividend.
  • Unable to calculate sustainability of dividends as Capital Bancorp has not reported any payouts.
Future Payout to shareholders
  • Insufficient estimate data to determine if a dividend will be paid in 3 years and that it will be sustainable.
X
Income/ dividend checks
We assess Capital Bancorp's dividend by checking for:
  1. Firstly is the company paying a notable dividend (greater than 0.8%) - if not then the rest of the checks are ignored.
  2. Is current dividend yield above the bottom 25% of dividend payers? (1 check)
  3. Is current dividend yield above the top 25% of dividend payers? (1 check)
  4. Have they paid a dividend for 10 years, and during this period has the dividend been volatile (drop of more than 25%)? (1 check)
  5. If they have paid a dividend for 10 years has it increased in this time? (1 check)
  6. How sustainable is the dividend, can Capital Bancorp afford to pay it from its earnings today and in 3 years (Payout ratio less than 90%)? (2 checks)
  7. Capital Bancorp has a total score of 0/6, see the detailed checks below.


Full details on the Dividends part of the Simply Wall St company analysis model.

CBNK Management

 What is the CEO of Capital Bancorp's salary, the management and board of directors tenure and is there insider trading?

Management is one of the most important areas of a company. We look at unreasonable CEO compensation, how long the team and board of directors have been around for and insider trading.
CEO
Ed Barry
COMPENSATION $2,252,470
AGE 49
TENURE AS CEO 6.8 years
CEO Bio

Mr. Edward F. Barry, also known as Ed, is Chief Executive Officer of Capital Bancorp, Inc. and Capital Bank, National Association since September 2012 and serves as Director of Capital Bancorp, Inc. since 2015 and as a Director of the Capital Bank, National Association since September 2012. Mr. Barry joined Capital Bank, National Association (“Bank”) as Chief Executive Officer in September 2012. Previously he was Senior Vice President, Product Marketing and Analytics for Capital One Bank (“Capital One”). Prior to Capital One, he worked at Bank of America as Senior Vice President, Strategic Marketing. Previous experience also includes Leading Project teams at E&Y/Capgemini as Manager. He is Chairman of the Board of the Mid-Atlantic Chapter of The Make-A-Wish Foundation. He also served as a Consultant at Ernst & Young/Cap Gemini. He received his Bachelor of Science in Industrial Relations from Cornell University and a Master of Business Administration from the Darden Graduate School of Business at the University of Virginia.

CEO Compensation
  • Ed's compensation has been consistent with company performance over the past year, both up more than 20%.
  • Ed's remuneration is higher than average for companies of similar size in United States of America.
Management Team

Ed Barry

TITLE
CEO & Director
COMPENSATION
$2M
AGE
49
TENURE
6.8 yrs

Alan Jackson

TITLE
Executive VP & CFO
COMPENSATION
$476K
AGE
57
TENURE
2.5 yrs

Kathy Curtis

TITLE
Executive VP & Chief Risk & Compliance Officer
AGE
72
Board of Directors Tenure

Average tenure and age of the Capital Bancorp board of directors in years:

6
Average Tenure
63
Average Age
  • The tenure for the Capital Bancorp board of directors is about average.
Board of Directors

Stephen Ashman

TITLE
Chairman of the Board
COMPENSATION
$253K
AGE
70
TENURE
17.5 yrs

Ed Barry

TITLE
CEO & Director
COMPENSATION
$2M
AGE
49
TENURE
4.5 yrs

Steven Schwartz

TITLE
Vice Chairman of the Board
COMPENSATION
$155K
AGE
65
TENURE
4.5 yrs

Joshua Bernstein

TITLE
Director
COMPENSATION
$109K
AGE
56
TENURE
7.5 yrs

James Whalen

TITLE
Director
COMPENSATION
$169K
AGE
57
TENURE
18.5 yrs

Scot Browning

TITLE
Director
COMPENSATION
$553K
AGE
57
TENURE
17.5 yrs

Randall Levitt

TITLE
Director
COMPENSATION
$135K
AGE
65
TENURE
7.5 yrs

Deborah Salzberg

TITLE
Director
COMPENSATION
$101K
AGE
65
TENURE
3.5 yrs

Michael Burke

TITLE
Director
COMPENSATION
$111K
AGE
69
TENURE
2.5 yrs

C. Brannan

TITLE
Director
COMPENSATION
$6K
AGE
61
TENURE
0.6 yrs
Who owns this company?
Recent Insider Trading
  • Capital Bancorp individual insiders have only sold shares in the past 3 months, but not in substantial volumes.
Recent Insider Transactions
Announced Type Name Entity Role Start End Shares Max Price ($) Value ($)
14. Jun 19 Sell Kathleen Yamada Individual 12. Jun 19 12. Jun 19 -4,000 $11.89 $-47,560
22. May 19 Sell Montrose Lending Group, Llc Company 21. May 19 21. May 19 -15,000 $11.90 $-178,500
19. Mar 19 Buy C. Brannan Individual 15. Mar 19 15. Mar 19 100 $11.35 $1,133
28. Sep 18 Buy Randall Levitt Individual 26. Sep 18 26. Sep 18 15,000 $12.50 $187,500
28. Sep 18 Sell Scot Browning Individual 26. Sep 18 26. Sep 18 -40,800 $11.69 $-476,850
28. Sep 18 Sell Michael Burke Individual 26. Sep 18 26. Sep 18 -56,000 $11.69 $-654,500
28. Sep 18 Sell Eric Suss Individual 26. Sep 18 26. Sep 18 -7,000 $11.69 $-81,813
28. Sep 18 Sell Edward Barry Individual 26. Sep 18 26. Sep 18 -3,000 $11.69 $-35,063
28. Sep 18 Sell Kathleen Curtis Individual 26. Sep 18 26. Sep 18 -39,800 $11.69 $-465,163
28. Sep 18 Buy Alan Jackson Individual 26. Sep 18 26. Sep 18 14,000 $12.50 $175,000
X
Management checks
We assess Capital Bancorp's management by checking for:
  1. Is the CEO's compensation unreasonable compared to market cap? (1 check)
  2. Has the CEO's compensation increased more than 20% whilst the EPS is down more then 20%? (1 check)
  3. Is the average tenure of the management team less than 2 years? (1 check)
  4. Is the average tenure of the board of directors team less than 3 years? (1 check)
  5. Capital Bancorp has a total score of 0/6, this is not included on the snowflake, see the detailed checks below.


Note: We use the top 6 management executives and board members in our calculations.

Note 2: Insider trading include any internal stakeholders and these transactions .

Full details on the Management part of the Simply Wall St company analysis model.

CBNK News

Simply Wall St News

Could Capital Bancorp, Inc.'s (NASDAQ:CBNK) Investor Composition Influence The Stock Price?

Capital Bancorp is a smaller company with a market capitalization of US$171m, so it may still be flying under the radar of many institutional investors. … See our latest analysis for Capital Bancorp NasdaqGS:CBNK Ownership Summary, July 12th 2019 What Does The Institutional Ownership Tell Us About Capital Bancorp? … As you can see, institutional investors own 26% of Capital Bancorp.

Simply Wall St -

Does Capital Bancorp, Inc. (NASDAQ:CBNK) Have A Good P/E Ratio?

The formula for price to earnings is: Price to Earnings Ratio = Share Price ÷ Earnings per Share (EPS) Or for Capital Bancorp: P/E of 11.53 = $11.94 ÷ $1.04 (Based on the year to March 2019.) Is A High Price-to-Earnings Ratio Good? … How Does Capital Bancorp's P/E Ratio Compare To Its Peers? … NasdaqGS:CBNK Price Estimation Relative to Market, June 7th 2019 Its relatively low P/E ratio indicates that Capital Bancorp shareholders think it will struggle to do as well as other companies in its industry classification.

Simply Wall St -

Can These Factors Give You An Edge In Capital Bancorp, Inc. (NASDAQ:CBNK)?

As a small-cap finance stock with a market capitalisation of US$160m, the risk and profitability of Capital Bancorp, Inc. … These reforms target banking regulations and intends to enhance financial institutions’ ability to absorb shocks resulting from economic stress which could expose banks like Capital Bancorp to vulnerabilities. … Low levels of leverage coupled with sufficient liquidity may place Capital Bancorp in a safe position in the face of adverse headwinds.

Simply Wall St -

What Kind Of Investor Owns Most Of Capital Bancorp, Inc. (NASDAQ:CBNK)?

The big shareholder groups in Capital Bancorp, Inc. … Capital Bancorp is not a large company by global standards. … institutional investors have bought into the company

Simply Wall St -

Why Capital Bancorp, Inc. (NASDAQ:CBNK) May Not Be As Risky Than You Think

As a small-cap bank with a market capitalisation of US$151m, Capital Bancorp, Inc.’s (NASDAQ:CBNK) profit and value are directly affected by economic activity. … Risk associate with repayment is measured by the level of bad debt which is an expense written off Capital Bancorp’s bottom line. … Today we will analyse Capital Bancorp’s level of bad debt and liabilities in order to understand the risk involved with investing in the bank.

Simply Wall St -

Are Insiders Selling Capital Bancorp, Inc. (NASDAQ:CBNK) Stock?

So shareholders might well want to know whether insiders have been buying or selling shares in Capital Bancorp, Inc. … But logic dictates you should pay some attention to whether insiders are buying or selling shares. … That means that an insider was selling shares at below the current price (US$11.90)

Simply Wall St -

Don't Sell Capital Bancorp Inc (NASDAQ:CBNK) Before You Read This

This article is written for those who want to get better at using price to earnings ratios (P/E ratios). … Capital Bancorp has a price to earnings ratio of 16.36, based on the last twelve months. … Price to Earnings Ratio = Price per Share ÷ Earnings per Share (EPS)

Simply Wall St -

CBNK Company Info

Description

Capital Bancorp, Inc. operates as the bank holding company for Capital Bank, N.A. that provides various commercial banking products and services to businesses, not-for-profit associations, and entrepreneurs in the United States. The company offers a range of deposit products and services, including various checking and savings accounts, certificates of deposit, money market accounts, debit cards, remote deposit capture services, online and mobile banking services, e-statements, and bank-by-mail and direct deposit services, as well as business accounts, and cash and treasury management services. It also provides lending services, such as residential and commercial real estate loans, construction loans, commercial business loans, and credit card lines, as well as loans to individuals comprising secured and unsecured installment and term loans, car loans, and boat loans. In addition, the company originates residential mortgages for sale in the secondary market; and offers short-term secured real estate financing services. It operates through five commercial bank branches, four mortgage offices, one loan production office, a limited service branch, corporate offices, and operations facilities in the greater Washington, D.C. and Baltimore, Maryland markets. The company was incorporated in 1998 and is headquartered in Rockville, Maryland.

Details
Name: Capital Bancorp, Inc.
CBNK
Exchange: NasdaqGS
Founded: 1998
$167,093,339
13,718,665
Website: http://capitalbankmd.com
Address: Capital Bancorp, Inc.
2275 Research Boulevard,
Suite 600,
Rockville,
Maryland, 20850,
United States
Listings
Exchange Symbol Ticker Symbol Security Exchange Country Currency Listed on
NasdaqGS CBNK Common Stock Nasdaq Global Select US USD 26. Sep 2018
Number of employees
Current staff
Staff numbers
204
Capital Bancorp employees.
Industry
Regional Banks
Banks
Company Analysis and Financial Data Status
Area Date (UTC time)
Company Analysis updated: 2019/07/23 01:12
End of day share price update: 2019/07/22 00:00
Last estimates confirmation: 2019/07/09
Last earnings filing: 2019/05/14
Last earnings reported: 2019/03/31
Last annual earnings reported: 2018/12/31


All dates and times in UTC. All financial data provided by Standard & Poor’s Capital IQ.

Unless specified all financial data is based on a yearly period but updated quarterly. This is known as Trailing Twelve Month (TTM) or Last Twelve Month (LTM) Data. Learn more here.