Capital Bancorp Management

Management criteria checks 3/4

Capital Bancorp's CEO is Ed Barry, appointed in Sep 2012, has a tenure of 12.25 years. total yearly compensation is $1.12M, comprised of 54% salary and 46% bonuses, including company stock and options. directly owns 2.14% of the company’s shares, worth $10.37M. The average tenure of the management team and the board of directors is 0.7 years and 9.4 years respectively.

Key information

Ed Barry

Chief executive officer

US$1.1m

Total compensation

CEO salary percentage	54.0%
CEO tenure	12.3yrs
CEO ownership	2.1%
Management average tenure	less than a year
Board average tenure	9.4yrs

Recent management 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

CEO Compensation Analysis

How has Ed Barry's remuneration changed compared to Capital Bancorp's earnings?
Date	Total Compensation	Salary	Company Earnings
Sep 30 2024	n/a	n/a	US$32m
Jun 30 2024	n/a	n/a	US$34m
Mar 31 2024	n/a	n/a	US$33m
Dec 31 2023	US$1m	US$604k	US$36m
Sep 30 2023	n/a	n/a	US$36m
Jun 30 2023	n/a	n/a	US$37m
Mar 31 2023	n/a	n/a	US$41m
Dec 31 2022	US$1m	US$563k	US$42m
Sep 30 2022	n/a	n/a	US$43m
Jun 30 2022	n/a	n/a	US$43m
Mar 31 2022	n/a	n/a	US$41m
Dec 31 2021	US$1m	US$500k	US$40m
Sep 30 2021	n/a	n/a	US$39m
Jun 30 2021	n/a	n/a	US$37m
Mar 31 2021	n/a	n/a	US$32m
Dec 31 2020	US$1m	US$500k	US$26m
Sep 30 2020	n/a	n/a	US$21m
Jun 30 2020	n/a	n/a	US$17m
Mar 31 2020	n/a	n/a	US$17m
Dec 31 2019	US$1m	US$500k	US$17m
Sep 30 2019	n/a	n/a	US$15m
Jun 30 2019	n/a	n/a	US$14m
Mar 31 2019	n/a	n/a	US$13m
Dec 31 2018	US$764k	US$400k	US$13m
Sep 30 2018	n/a	n/a	US$9m
Jun 30 2018	n/a	n/a	US$9m
Mar 31 2018	n/a	n/a	US$8m
Dec 31 2017	US$649k	US$400k	US$7m

Compensation vs Market: Ed's total compensation ($USD1.12M) is below average for companies of similar size in the US market ($USD2.22M).

Compensation vs Earnings: Ed's compensation has been consistent with company performance over the past year.

CEO

Ed Barry (54 yo)

12.3yrs

Tenure

US$1,118,793

Compensation

Mr. Edward F. Barry, also known as Ed, is Chief Executive Officer of Capital Bancorp, Inc. and Capital Bank, National Association since September 2012. He has been a Director of Capital Bancorp, Inc. since...

Leadership Team

Name	Position	Tenure	Compensation	Ownership
Edward Barry	President	12.3yrs	US$1.12m	2.14% $ 10.4m
Steven Poynot	President of Capital Bank	no data	US$533.21k	0.033% $ 159.3k
Dominic Canuso	Chief Financial Officer	less than a year	no data	0.012% $ 58.6k
Constance Egan	Chief Accounting Officer	1.8yrs	no data	no data
Anguel Lindarev	Executive VP & Chief Information Officer	less than a year	no data	no data
Jacob Dalaya	Executive VP & Chief Strategy Officer	1.2yrs	no data	0.0013% $ 6.3k
Todd Warren	Senior VP & Market Executive for the Greater Chesapeake & Baltimore Regions	less than a year	no data	no data
James Witty	Senior VP & Director of Contractor Banking	less than a year	no data	no data

0.7yrs

Average Tenure

51yo

Average Age

Experienced Management: CBNK's management team is not considered experienced ( 0.7 years average tenure), which suggests a new team.

Board Members

Name	Position	Tenure	Compensation	Ownership
Edward Barry	President	9.9yrs	US$1.12m	2.14% $ 10.4m
Deborah Ratner-Salzberg	Independent Director	8.9yrs	US$69.10k	0.36% $ 1.7m
Mary Scully	Independent Director	1.4yrs	US$16.40k	0.082% $ 396.9k
Marc McConnell	Director	less than a year	no data	1.32% $ 6.4m
Joshua Bernstein	Independent Director	12.9yrs	US$87.44k	5.23% $ 25.4m
C. Brannan	Independent Director	6yrs	US$71.70k	0.031% $ 152.0k
Scot Browning	Director	22.9yrs	US$572.53k	3.1% $ 15.1m
Randall Levitt	Independent Director	12.9yrs	US$103.64k	6.15% $ 29.9m
Steven Schwartz	Independent Chairman of the Board	22.9yrs	US$188.96k	4.39% $ 21.3m
James Whalen	Independent Director	23.9yrs	US$166.56k	5.88% $ 28.6m
Jerome Bailey	Independent Director	3yrs	US$150.56k	0.81% $ 3.9m
Fred Lewis	Independent Director	1.8yrs	US$134.36k	0.13% $ 649.8k

9.4yrs

Average Tenure

62yo

Average Age

Experienced Board: CBNK's board of directors are considered experienced (9.4 years average tenure).

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 Management

Management criteria checks 3/4

Key information

Recent management updates

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

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

Independent Director recently bought US$50k worth of stock

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.

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