Capital Bancorp, Inc.

NasdaqGS:CBNK Stock Report

Mkt Cap: US$308.4m

We’ve recently updated our valuation analysis.

Capital Bancorp Valuation

Is CBNK undervalued compared to its fair value, analyst forecasts and its price relative to the market?

Valuation Score

6/6

Valuation Score 6/6

  • Price-To-Earnings vs Peers

  • Price-To-Earnings vs Industry

  • Price-To-Earnings vs Fair Ratio

  • Below Fair Value

  • Significantly Below Fair Value

  • Analyst Forecast

Key Valuation Metric

Which metric is best to use when looking at relative valuation for CBNK?

Other financial metrics that can be useful for relative valuation.

CBNK key valuation metrics and ratios. From Price to Earnings, Price to Sales and Price to Book to Price to Earnings Growth Ratio, Enterprise Value and EBITDA.
Key Statistics
Enterprise Value/Revenuen/a
Enterprise Value/EBITDAn/a
PEG Ratio8.9x

Price to Earnings Ratio vs Peers

How does CBNK's PE Ratio compare to its peers?

The above table shows the PE ratio for CBNK vs its peers. Here we also display the market cap and forecasted growth for additional consideration.
CompanyPEEstimated GrowthMarket Cap
Peer Average9.6x
NWFL Norwood Financial
9.5xn/aUS$280.4m
ESQ Esquire Financial Holdings
12.6x16.2%US$356.7m
NBN Northeast Bank
8.8xn/aUS$352.1m
FBIZ First Business Financial Services
7.5x-2.9%US$299.8m
CBNK Capital Bancorp
7.4x0.8%US$309.3m

Price-To-Earnings vs Peers: CBNK is good value based on its Price-To-Earnings Ratio (7.4x) compared to the peer average (9.6x).


Price to Earnings Ratio vs Industry

How does CBNK's PE Ratio compare vs other companies in the US Banks Industry?

0 CompaniesPrice / EarningsEstimated GrowthMarket Cap
Industry Avg.n/a6.1%
n/an/an/a

Price-To-Earnings vs Industry: CBNK is good value based on its Price-To-Earnings Ratio (7.4x) compared to the US Banks industry average (9.7x)


Price to Earnings Ratio vs Fair Ratio

What is CBNK's PE Ratio compared to its Fair PE Ratio? This is the expected PE Ratio taking into account the company's forecast earnings growth, profit margins and other risk factors.

CBNK PE Ratio vs Fair Ratio.
Fair Ratio
Current PE Ratio7.4x
Fair PE Ratio9x

Price-To-Earnings vs Fair Ratio: CBNK is good value based on its Price-To-Earnings Ratio (7.4x) compared to the estimated Fair Price-To-Earnings Ratio (9x).


Share Price vs Fair Value

What is the Fair Price of CBNK when looking at its future cash flows? For this estimate we use a Discounted Cash Flow model.

Below Fair Value: CBNK ($21.94) is trading below our estimate of fair value ($80.9)

Significantly Below Fair Value: CBNK is trading below fair value by more than 20%.


Analyst Price Targets

What is the analyst 12-month forecast and do we have any statistical confidence in the consensus price target?

The above table shows the analyst CBNK forecast and predictions for the stock price in 12 month’s time.
DateShare PriceAverage 1Y Price TargetDispersionHighLow1Y Actual priceAnalysts
CurrentUS$21.94
US$27.38
+24.8%
9.1%US$31.50US$25.00n/a4
Jan ’24US$23.54
US$28.63
+21.6%
7.8%US$31.50US$26.00n/a4
Dec ’23US$24.95
US$29.50
+18.2%
6.2%US$31.50US$26.50n/a4
Nov ’23US$24.26
US$29.50
+21.6%
6.2%US$31.50US$26.50n/a4
Oct ’23US$23.10
US$29.50
+27.7%
8.0%US$31.50US$25.50n/a4
Sep ’23US$24.50
US$28.83
+17.7%
8.3%US$31.00US$25.50n/a3
Aug ’23US$24.73
US$28.17
+13.9%
6.8%US$30.00US$25.50n/a3
Jul ’23US$21.96
US$27.50
+25.2%
8.3%US$30.00US$24.50n/a3
Jun ’23US$22.99
US$28.25
+22.9%
4.8%US$30.00US$26.50n/a4
May ’23US$22.51
US$28.25
+25.5%
4.8%US$30.00US$26.50n/a4
Apr ’23US$22.89
US$30.38
+32.7%
8.2%US$33.00US$26.50n/a4
Mar ’23US$23.31
US$31.00
+33.0%
5.1%US$33.00US$29.00n/a4
Feb ’23US$25.03
US$31.00
+23.9%
5.1%US$33.00US$29.00US$22.004
Jan ’23US$26.20
US$30.25
+15.5%
2.7%US$31.00US$29.00US$23.544
Dec ’22US$26.78
US$30.25
+13.0%
2.7%US$31.00US$29.00US$24.954
Nov ’22US$25.87
US$30.25
+16.9%
2.7%US$31.00US$29.00US$24.264
Oct ’22US$24.46
US$27.00
+10.4%
0%US$27.00US$27.00US$23.104
Sep ’22US$23.13
US$26.25
+13.5%
4.9%US$27.00US$24.00US$24.504
Aug ’22US$22.72
US$26.25
+15.5%
4.9%US$27.00US$24.00US$24.734
Jul ’22US$20.65
US$25.00
+21.1%
2.8%US$26.00US$24.00US$21.964
Jun ’22US$22.12
US$25.00
+13.0%
2.8%US$26.00US$24.00US$22.994
May ’22US$21.97
US$25.00
+13.8%
2.8%US$26.00US$24.00US$22.514
Apr ’22US$19.18
US$21.25
+10.8%
9.0%US$23.00US$18.00US$22.894
Mar ’22US$16.10
US$16.88
+4.8%
5.3%US$18.00US$16.00US$23.314
Feb ’22US$14.80
US$16.38
+10.6%
5.9%US$17.50US$15.00US$25.034

Analyst Forecast: Target price is more than 20% higher than the current share price and analysts are within a statistically confident range of agreement.


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