Capital Bancorp
Market Cap
US$200.4m
Last Updated
2021/01/23 01:13 UTC
Data Sources
Company Financials +
Executive Summary
Capital Bancorp, Inc. operates as the bank holding company for Capital Bank, N.A. More Details
Rewards
Risk Analysis
Earnings are forecast to decline by an average of 7% per year for the next 3 years
Snowflake Analysis
Flawless balance sheet and good value.
Similar Companies
Share Price & News
How has Capital Bancorp's share price performed over time and what events caused price changes?
Latest Share Price and Events
Stable Share Price: CBNK is not significantly more volatile than the rest of US stocks over the past 3 months, typically moving +/- 6% a week.
Volatility Over Time: CBNK's weekly volatility has decreased from 15% to 6% over the past year.
Market Performance
7 Day Return
1.3%
CBNK
-2.3%
US Banks
2.3%
US Market
1 Year Return
4.8%
CBNK
-6.6%
US Banks
23.7%
US Market
Return vs Industry: CBNK exceeded the US Banks industry which returned -6.6% over the past year.
Return vs Market: CBNK underperformed the US Market which returned 23.7% over the past year.
Shareholder returns
| CBNK | Industry | Market | |
|---|---|---|---|
| 7 Day | 1.3% | -2.3% | 2.3% |
| 30 Day | 7.1% | 6.8% | 4.7% |
| 90 Day | 38.6% | 30.1% | 14.5% |
| 1 Year | 4.8%4.8% | -3.2%-6.6% | 26.5%23.7% |
| 3 Year | n/a | -2.3%-10.7% | 45.0%35.4% |
| 5 Year | n/a | 77.3%54.9% | 126.2%100.9% |
Long-Term Price Volatility Vs. Market
How volatile is Capital Bancorp's share price compared to the market and industry in the last 5 years?
Simply Wall St News
5 days ago | Simply Wall St
Is Capital Bancorp, Inc. (NASDAQ:CBNK) Popular Amongst Insiders?1 month ago | Simply Wall St
Have Capital Bancorp, Inc. (NASDAQ:CBNK) Insiders Been Selling Their Stock?2 months ago | Simply Wall St
Rainbows and Unicorns: Capital Bancorp, Inc. (NASDAQ:CBNK) Analysts Just Became A Lot More OptimisticValuation
Is Capital Bancorp undervalued compared to its fair value and its price relative to the market?
49.4%
Undervalued compared to fair value
Share Price vs. Fair Value
Below Fair Value: CBNK ($14.65) is trading below our estimate of fair value ($28.96)
Significantly Below Fair Value: CBNK is trading below fair value by more than 20%.
Price To Earnings Ratio
PE vs Industry: CBNK is good value based on its PE Ratio (9.5x) compared to the US Banks industry average (12.2x).
PE vs Market: CBNK is good value based on its PE Ratio (9.5x) compared to the US market (21.3x).
Price to Earnings Growth Ratio
PEG Ratio: CBNK's earnings are forecast to decline next year, so we can't calculate its PEG ratio.
Price to Book Ratio
PB vs Industry: CBNK is overvalued based on its PB Ratio (1.3x) compared to the US Banks industry average (1x).
Next Steps
Future Growth
How is Capital Bancorp forecast to perform in the next 1 to 3 years based on estimates from 4 analysts?
-7.0%
Forecasted annual earnings growth
Earnings and Revenue Growth Forecasts
Analyst Future Growth Forecasts
Earnings vs Savings Rate: CBNK's earnings are forecast to decline over the next 3 years (-7% per year).
Earnings vs Market: CBNK's earnings are forecast to decline over the next 3 years (-7% per year).
High Growth Earnings: CBNK's earnings are forecast to decline over the next 3 years.
Revenue vs Market: CBNK's revenue (6.7% per year) is forecast to grow slower than the US market (10.6% per year).
High Growth Revenue: CBNK's revenue (6.7% per year) is forecast to grow slower 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 (11.1%).
Next Steps
Past Performance
How has Capital Bancorp performed over the past 5 years?
22.9%
Historical annual earnings growth
Earnings and Revenue History
Quality Earnings: CBNK has high quality earnings.
Growing Profit Margin: CBNK's current net profit margins (18.4%) are lower than last year (18.5%).
Past Earnings Growth Analysis
Earnings Trend: CBNK's earnings have grown significantly by 22.9% per year over the past 5 years.
Accelerating Growth: CBNK's earnings growth over the past year (38.4%) exceeds its 5-year average (22.9% per year).
Earnings vs Industry: CBNK earnings growth over the past year (38.4%) exceeded the Banks industry -3.6%.
Return on Equity
High ROE: CBNK's Return on Equity (14.2%) is considered low.
Next Steps
Financial Health
How is Capital Bancorp's financial position? (This company is analysed differently as a bank or financial institution)
Financial Position Analysis
Debt to Equity History and Analysis
Balance Sheet
Financial Institutions Analysis
Asset Level: CBNK's Assets to Equity ratio (12.6x) is moderate.
Allowance for Bad Loans: CBNK has a sufficient allowance for bad loans (192%).
Low Risk Liabilities: 96% of CBNK's liabilities are made up of primarily low risk sources of funding.
Loan Level: CBNK has an appropriate level of Loans to Assets ratio (77%).
Low Risk Deposits: CBNK's Loans to Deposits ratio (88%) is appropriate.
Level of Bad Loans: CBNK has an appropriate level of bad loans (0.8%).
Next Steps
Dividend
What is Capital Bancorp current dividend yield, its reliability and sustainability?
Dividend Yield vs Market
Notable Dividend: Unable to evaluate CBNK's dividend yield against the bottom 25% of dividend payers, as the company has not reported any recent payouts.
High Dividend: Unable to evaluate CBNK's dividend yield against the top 25% of dividend payers, as the company has not reported any recent payouts.
Stability and Growth of Payments
Stable Dividend: Insufficient data to determine if CBNK's dividends per share have been stable in the past.
Growing Dividend: Insufficient data to determine if CBNK's dividend payments have been increasing.
Current Payout to Shareholders
Dividend Coverage: Insufficient data to calculate payout ratio to determine if its dividend payments are covered by earnings.
Future Payout to Shareholders
Future Dividend Coverage: No need to calculate the sustainability of CBNK's dividend in 3 years as they are not forecast to pay a notable one for the US market.
Next Steps
Management
How experienced are the management team and are they aligned to shareholders interests?
4.0yrs
Average management tenure
CEO
Ed Barry (50 yo)
8.33yrs
Tenure
US$1,064,252
Compensation
Mr. Edward F. Barry, also known as Ed, is Chief Executive Officer of Capital Bancorp, Inc. and Capital Bank, National Association since September 2012 and serves as Director of Capital Bancorp, Inc. since ...
CEO Compensation Analysis
Compensation vs Market: Ed's total compensation ($USD1.06M) is about average for companies of similar size in the US market ($USD994.97K).
Compensation vs Earnings: Ed's compensation has increased by more than 20% in the past year.
Leadership Team
| Name | Position | Tenure | Compensation | Ownership |
|---|---|---|---|---|
| President | 8.33yrs | US$1.06m | 2.14% $ 4.3m | |
| Executive VP & COO - Capital Bank | 3yrs | US$553.50k | 0.12% $ 234.4k | |
| Executive VP & CFO | 4yrs | US$476.37k | 0.14% $ 278.4k |
4.0yrs
Average Tenure
50yo
Average Age
Experienced Management: CBNK's management team is considered experienced (4 years average tenure).
Board Members
| Name | Position | Tenure | Compensation | Ownership |
|---|---|---|---|---|
| President | 8.33yrs | US$1.06m | 2.14% $ 4.3m | |
| Independent Director | 5yrs | US$48.83k | 0.30% $ 603.0k | |
| Independent Director | no data | US$180.03k | 5.12% $ 10.3m | |
| Independent Director | 9yrs | US$61.95k | 6.84% $ 13.7m | |
| Independent Director | 4yrs | US$66.62k | 2.07% $ 4.1m | |
| Independent Director | 2.08yrs | US$41.39k | 0.010% $ 20.9k | |
| Director | 19yrs | US$528.89k | 3.51% $ 7.0m | |
| Independent Director | 9yrs | US$68.82k | 6.85% $ 13.7m | |
| Independent Chairman of the Board | 1yr | US$91.75k | 4.94% $ 9.9m | |
| Independent Director | 20yrs | US$115.95k | 6.99% $ 14.0m |
6.0yrs
Average Tenure
64yo
Average Age
Experienced Board: CBNK's board of directors are considered experienced (6 years average tenure).
Ownership
Who are the major shareholders and have insiders been buying or selling?
Insider Trading Volume
Insider Buying: CBNK insiders have only sold shares in the past 3 months.
Recent Insider Transactions
Ownership Breakdown
Dilution of Shares: Shareholders have not been meaningfully diluted in the past year.
Top Shareholders
Company Information
Capital Bancorp, Inc.'s company bio, employee growth, exchange listings and data sources
Key Information
- Name: Capital Bancorp, Inc.
- Ticker: CBNK
- Exchange: NasdaqGS
- Founded: 1998
- Industry: Regional Banks
- Sector: Banks
- Market Cap: US$200.426m
- Shares outstanding: 13.68m
- Website: https://capitalbankmd.com
Number of Employees
Location
- Capital Bancorp, Inc.
- 2275 Research Boulevard
- Suite 600
- Rockville
- Maryland
- 20850
- United States
Listings
| Ticker | Exchange | Primary Security | Security Type | Country | Currency | Listed on |
|---|---|---|---|---|---|---|
| CBNK | NasdaqGS (Nasdaq Global Select) | Yes | Common Stock | US | USD | Sep 2018 |
| 316 | DB (Deutsche Boerse AG) | Yes | Common Stock | DE | EUR | Sep 2018 |
Biography
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 entrepreneur...
Company Analysis and Financial Data Status
| Data | Last Updated (UTC time) |
|---|---|
| Company Analysis | 2021/01/23 01:13 |
| End of Day Share Price | 2021/01/22 00:00 |
| Earnings | 2020/09/30 |
| Annual Earnings | 2019/12/31 |
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.