Capital Bancorp Future Growth

Future criteria checks 5/6

Capital Bancorp is forecast to grow earnings and revenue by 30.1% and 20.4% per annum respectively. EPS is expected to grow by 21.9% per annum. Return on equity is forecast to be 13.7% in 3 years.

Key information

30.1%

Earnings growth rate

21.9%

EPS growth rate

Banks earnings growth	10.8%
Revenue growth rate	20.4%
Future return on equity	13.7%
Analyst coverage	Low
Last updated	09 Dec 2024

Recent future growth updates

Recent updates

Capital Bancorp (NASDAQ:CBNK) Has Announced That It Will Be Increasing Its Dividend To $0.10

Jul 26

Capital Bancorp (NASDAQ:CBNK) Has Announced A Dividend Of $0.06

May 06

Capital Bancorp (NASDAQ:CBNK) Is Due To Pay A Dividend Of $0.06

Oct 30

Capital Bancorp GAAP EPS of $0.77 beats by $0.04, revenue of $43.79M beats by $1.24M

Oct 20

Capital Bank names new COO

Oct 11

Capital Bancorp goes ex-dividend tomorrow

Aug 04

Capital Bancorp GAAP EPS of $0.80 beats by $0.19, revenue of $43.76M beats by $0.51M

Jul 20

Capital Bancorp: Anticipated Decline In Mortgage Refinancing To Drag Earnings

Mar 25

Earnings and Revenue Growth Forecasts

NasdaqGS:CBNK - Analysts future estimates and past financials data (USD Millions)
Date	Revenue	Earnings	Free Cash Flow	Cash from Op	Avg. No. Analysts
12/31/2026	256	56	N/A	N/A	3
12/31/2025	238	50	N/A	N/A	3
12/31/2024	185	27	N/A	N/A	3
9/30/2024	158	32	15	15	N/A
6/30/2024	157	34	38	38	N/A
3/31/2024	156	33	34	34	N/A
12/31/2023	157	36	45	47	N/A
9/30/2023	157	36	44	47	N/A
6/30/2023	159	37	38	41	N/A
3/31/2023	162	41	49	53	N/A
12/31/2022	163	42	50	51	N/A
9/30/2022	167	43	74	75	N/A
6/30/2022	168	43	85	85	N/A
3/31/2022	167	41	87	87	N/A
12/31/2021	164	40	132	132	N/A
9/30/2021	161	39	144	144	N/A
6/30/2021	154	37	108	109	N/A
3/31/2021	140	32	57	57	N/A
12/31/2020	123	26	5	5	N/A
9/30/2020	108	21	-29	-29	N/A
6/30/2020	96	17	-35	-35	N/A
3/31/2020	91	17	-26	-26	N/A
12/31/2019	89	17	-28	-27	N/A
9/30/2019	83	15	-25	-24	N/A
6/30/2019	77	14	-7	-6	N/A
3/31/2019	73	13	16	17	N/A
12/31/2018	72	13	27	28	N/A
9/30/2018	69	9	23	25	N/A
6/30/2018	68	9	N/A	26	N/A
3/31/2018	65	8	N/A	36	N/A
12/31/2017	61	7	N/A	35	N/A
12/31/2016	59	9	N/A	8	N/A
12/31/2015	47	7	N/A	17	N/A

Analyst Future Growth Forecasts

Earnings vs Savings Rate: CBNK's forecast earnings growth (30.1% per year) is above the savings rate (2.6%).

Earnings vs Market: CBNK's earnings (30.1% per year) are forecast to grow faster than the US market (15.2% per year).

High Growth Earnings: CBNK's earnings are expected to grow significantly over the next 3 years.

Revenue vs Market: CBNK's revenue (20.4% per year) is forecast to grow faster than the US market (9.1% per year).

High Growth Revenue: CBNK's revenue (20.4% per year) is forecast to grow faster than 20% per year.

Earnings per Share Growth Forecasts

Future Return on Equity

Future ROE: CBNK's Return on Equity is forecast to be low in 3 years time (13.7%).

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Company Analysis and Financial Data Status

Data	Last Updated (UTC time)
Company Analysis	2024/12/22 01:33
End of Day Share Price	2024/12/20 00:00
Earnings	2024/09/30
Annual Earnings	2023/12/31

Data Sources

The data used in our company analysis is from S&P Global Market Intelligence LLC. The following data is used in our analysis model to generate this report. Data is normalised which can introduce a delay from the source being available.

Package	Data	Timeframe	Example US Source ^*
Company Financials	10 years	Income statement Cash flow statement Balance sheet	SEC Form 10-K SEC Form 10-Q
Analyst Consensus Estimates	+3 years	Forecast financials Analyst price targets	Analyst Research Reports Blue Matrix
Market Prices	30 years	Stock prices Dividends, Splits and Actions	ICE Market Data SEC Form S-1
Ownership	10 years	Top shareholders Insider trading	SEC Form 4 SEC Form 13D
Management	10 years	Leadership team Board of directors	SEC Form 10-K SEC Form DEF 14A
Key Developments	10 years	Company announcements	SEC Form 8-K

^* example for US securities, for non-US equivalent regulatory forms and sources are used.

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.

Analysis Model and Snowflake

Details of the analysis model used to generate this report is available on our Github page, we also have guides on how to use our reports and tutorials on Youtube.

Learn about the world class team who designed and built the Simply Wall St analysis model.

Industry and Sector Metrics

Our industry and section metrics are calculated every 6 hours by Simply Wall St, details of our process are available on .

Analyst Sources

Capital Bancorp, Inc. is covered by 8 analysts. 4 of those analysts submitted the estimates of revenue or earnings used as inputs to our report. Analysts submissions are updated throughout the day.

Analyst	Institution
David Bishop	Hovde Group, LLC
Daniel Cardenas	Janney Montgomery Scott LLC
Feddie Strickland	Janney Montgomery Scott LLC

Capital Bancorp Future Growth

Future criteria checks 5/6

Key information

Recent future growth updates

Price target increased by 8.1% to US$28.50

Consensus EPS estimates increase by 13%

Consensus EPS estimates fall by 18%, revenue upgraded

Consensus EPS estimates fall by 11%, revenue upgraded

Price target increased by 8.5% to US$25.40

Price target decreased by 8.6% to US$24.00

Recent updates

Independent Director exercised options to buy US$215k worth of stock.

President exercised options and sold US$137k worth of stock

Investor sentiment improves as stock rises 16%

Third quarter dividend of US$0.10 announced

Third quarter 2024 earnings: EPS misses analyst expectations

Capital Bancorp, Inc. Declares Cash Dividend on Its Common Stock, Payable on November 20, 2024

Price target increased by 8.1% to US$28.50

Capital Bancorp, Inc. completed the acquisition of Integrated Financial Holdings, Inc. from a group of shareholders.

Independent Director recently bought US$50k worth of stock

Capital Bancorp (NASDAQ:CBNK) Has Announced That It Will Be Increasing Its Dividend To $0.10

Second quarter dividend increased to US$0.10

Second quarter 2024 earnings: EPS and revenues exceed analyst expectations

Capital Bancorp, Inc. Declares Cash Dividend, Payable on August 21, 2024

Investor sentiment improves as stock rises 17%

Capital Bancorp, Inc. and Capital Bank, N.A. Appoint Dominic C. Canuso as New Chief Financial Officer, Effective July 15, 2024

Independent Director exercised options to buy US$217k worth of stock.

Independent Chairman of the Board exercised options to buy US$141k worth of stock.

Consensus EPS estimates increase by 13%

Capital Bank Appoints Jim Witty as Senior Vice President - Director of Contractor Banking

Consensus EPS estimates fall by 18%, revenue upgraded

First quarter 2024 earnings: EPS misses analyst expectations

Capital Bancorp, Inc. Declares Cash Dividend, Payable on May 22, 2024

Consensus EPS estimates fall by 11%, revenue upgraded

Capital Bancorp, Inc., Annual General Meeting, May 16, 2024

Capital Bancorp, Inc. (NasdaqGS:CBNK) entered into a definitive agreement to acquire Integrated Financial Holdings, Inc. (OTCPK:IFHI) for $66.3 million.

Capital Bancorp, Inc. (NasdaqGS:CBNK) entered into a definitive agreement to acquire Integrated Financial Holdings, Inc. (OTCPK:IFHI) for $66.3 million.

Capital Bancorp, Inc. Appoints Marc McConnell as Board of Director

Full year 2023 earnings: EPS exceeds analyst expectations while revenues lag behind

President exercised options and sold US$76k worth of stock

Upcoming dividend of US$0.08 per share at 1.4% yield

Fourth quarter dividend of US$0.08 announced

Full year 2023 earnings: EPS exceeds analyst expectations while revenues lag behind

Capital Bancorp, Inc. Reports Net Charge-Offs for the Fourth Quarter Ended December 31, 2023

Price target increased by 8.5% to US$25.40

Independent Director exercised options to buy US$218k worth of stock.

Independent Chairman of the Board exercised options to buy US$229k worth of stock.

President exercised options and sold US$109k worth of stock

Capital Bank Appoints Jacob Jake Dalaya as Chief Strategy Officer

Upcoming dividend of US$0.08 per share at 1.6% yield

Third quarter 2023 earnings: EPS and revenues exceed analyst expectations

Capital Bancorp, Inc. Declares Cash Dividend on Its Common Stock, Payable on November 22, 2023

Independent Director recently bought US$108k worth of stock

New minor risk - Dividend sustainability

Second quarter 2023 earnings: EPS misses analyst expectations

Capital Bancorp, Inc. Declares Quarterly Dividend, Payable on August 23, 2023

Mary Ann Scully, Joins Capital Bancorp, Inc.’s Board of Directors

Capital Bancorp, Inc. Announces Chief Financial Officer Changes, Effective June 26, 2023

Capital Bancorp (NASDAQ:CBNK) Has Announced A Dividend Of $0.06

Capital Bancorp Declares Quarterly Cash Dividend Payable on May 31, 2023

Price target decreased by 8.6% to US$24.00

Independent Director recently bought US$259k worth of stock

Full year 2022 earnings: EPS and revenues miss analyst expectations

Investor sentiment deteriorates as stock falls 16%

President exercised options and sold US$145k worth of stock

Insufficient new directors

Capital Bancorp, Inc. Announces Board Changes

Consensus EPS estimates fall by 16%

Price target decreased by 7.2% to US$27.38

Capital Bancorp, Inc. Reports Net Charge-Offs for the Quarter Ended December 31, 2022

Capital Bancorp, Inc. Declares Quarterly Cash Dividend, Payable on February 22, 2023

Full year 2022 earnings: EPS and revenues miss analyst expectations

Independent Director exercised options to buy US$299k worth of stock.

Independent Director exercised options to buy US$369k worth of stock.

President exercised options to buy US$482k worth of stock.

Capital Bancorp (NASDAQ:CBNK) Is Due To Pay A Dividend Of $0.06

Capital Bancorp, Inc. Declares Quarterly Cash Dividend, Payable on November 23, 2022

Third quarter 2022 earnings: EPS and revenues exceed analyst expectations

Capital Bancorp, Inc. Announces Net Charge Off for the Third Quarter of 2022

Capital Bancorp GAAP EPS of $0.77 beats by $0.04, revenue of $43.79M beats by $1.24M